davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (OH)

1601. Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (GA)

I sent in payment for my account to Aspire shortly after I received a letter stating that my account was closed. I did not request to close this account by writing or verbally. Aspire knowingly is committing securities fraud due to the fact that all statements are noticed and are already being paid in interest on my account as a set-off. this credit card company is double dipping and has already been paid from the security interest. Aspire is in violation of 15 USC 6803 USC 6805 and is in violation of the securities exchange act. they closed my account and are still trying to collect federal reserve notes from me
Consumer complaint received 2021-01-12
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. (GA)

I noticed that i have been a XXXX of XXXXXXXX XXXX for a few years now. ( XXXX XXXX ) placed a XXXX  on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2024-03-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CUSTOMERS BANCORP, INC (PA)

I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX regarding a treatment I received for knee joint pain. I visited their office on XX/XX/2023, intending to undergo a series of five treatments targeting different aspects of my condition. However, I encountered several issues during my visits. 

During my third visit, I was informed that I could not proceed with a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was at this point, after several visits, that they reviewed my XXXX XXXX  and determined I was XXXX XXXX XXXX XXXX Consequently, XXXX XXXX ( Patient Coordinator ) offered a refund for the remaining treatments, which I accepted. However, instead of processing the refund promptly, they attempted to switch the treatments I was to receive, which I declined as they were not the treatments I had initially agreed upon. 

To undergo the treatments, I took out a {$12000.00} loan from XXXXXXXX XXXX the recommended finance lender by XXXX XXXX. Despite XXXX XXXX ' assurance of a refund, I have yet to receive the reimbursement for the treatments I did not receive. I am now requesting a full refund for the remaining treatments as promised. 

I have attached copies of relevant documentation, including receipts, correspondence, and medical records, to support my complaint. I would appreciate it if you could investigate this matter and help facilitate the refund process.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (DC)

I wired {$1000.00} dollars from Marcus by Goldman Sachs on XX/XX/23 and Marcus deleted the wire and never sent it. The bank, XXXX, that was supposed to receive it sent me an email asking why Marcus kept refusing to send money. On XX/XX/23 I then sent an online transfer of {$900.00} dollars to XXXX from Marcus by Goldman Sachs. Instead of send the money this time, Marcus lists it as pending on their end but posted on my end when XXXX never processed the funds and listed them as returned, while Marcus listed them as pending. I then asked for my money to be put in a check and sent to me and they refused my request illegallyXXXX XXXX refused and returned all Marcus by Goldman Sachs Transactions . I am requesting a trace of the {$900.00} and a check be issued to me for those funds when recovered.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Accurate Background (IN)

I honestly dont know entirely, Im not understanding why theres a theft that shows up on my background check for an employer. I know my payments are behind, but theft charges showing up on the will keep you from getting a job quicker than anything and the bank knows I lost my previous job and they cant get money i dont have. Ive told them Im going through the steps with an employer now to start working. But Ive not performed the act of theft period
Consumer complaint received 2021-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I had money taken from my account via my debit card, I caught it because i checked my account and I filled a fraudulent claim and on XXXX well fargo closed my claim dude to not finding any evidence in fraud. I had {$500.00} stolen from my account. The money that was stolen had links to then on my wells fargo app but they somehow vanished and are no longer visible on my wells fargo app summary
Consumer complaint received 2023-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WI)

on XX/XX/XXXX XXXX someone got my Coinbase account information and made many transactions overnight. I saw this the following morning and locked the account. 
Coinbase acknowledged the fraudulent activity. i '' ve had to change many email addresses and my cell #. 
coinbase will not give me access to my account. because my cell # has changed, and I cant do the 2 step identification process. 
when I locked the account my balance was much higher than what it should have been, due to the hacker moving money in and out. 
i've contacted Coinbase several times, and all that happens is a circle of emails that produce no result. They wont tell me what my balance is or any other info. It's next to impossible to deal with these people .... 
they either hang up on me, or respond with a person that speaks XXXX XXXX XXXX. ..half the time I cant understand them, they get disgusted with me and hang up. I need someone to get involved, as I'm not getting anywhere on my own and these people are to stubborn to deal with.
Consumer complaint received 2022-11-28
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. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b 1. XXXX XXXX  Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

BELOW ARE FOUR ACCOUNTS THAT ARE REPORTING AS LATE PAYMENTS. THESE ACCOUNTS ARE NOT REPORTING CORRECTLY. I HAVE NEVER PAID THESE ACCOUNTS LATE. 
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 2024-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Consumer complaint received 2023-02-13
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. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$2600.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$7400.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$25000.00}.
Consumer complaint received 2023-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

In 2009 I took out XXXX loans with AES for my higher education. I calculated my payoff time/date and knew when my outstanding balance would be cleared. This company arbitrarily decided, without warning, to under withdraw XXXX monthly payments. A move that was a clear deliberate attempt to prolong my debt and a breach in trust to the indebted, myself, in doing so. My total balance would have been paid off on the XXXX of XXXX had they continued withdrawing payments in the way that I have deliberately chosen to have automatic monthly installments dispersed. They undermined me, my choices, without warning or notification. No email contact, no paper contact through the mail, nor contact by phone. Full well knowing they could squeeze out a few more cents out of me by doing so. They have millions of borrowers nationwide. Imagine how many others they do this to on a monthly basis. You can figure it out with a general idea. By getting over on people like this they are not only behaving nefariously and in bad faith, they are also doing serious harm to people by prolonging their debt. All in an attempt to enrich themselves with a few pennies or a few extra dollars per borrower. Upon calling and speaking to a representative I was told that they can do decide how much to withdraw from me once a single loan in my outstanding balance is paid off in full. So in essence upon seeing that I was about to be paid off they defaulted my withdrawal amount to half of what I intentionally chose and calculated myself to prolong the debt for another month. Complete total XXXX. Absolutely outrageous.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: UMB FINANCIAL CORPORATION (NY)

Without any prior notice, XXXX XXXX XXXXUMB Bank ( merger ) canceled our health savings account debit card, and blocked access to our funds through their website. We were unable to pay our XXXX premiums and other health related medical and dental bills. They refused to reply to our concerns.
Consumer complaint received 2023-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

The laws are very clear under 15usc1681B, ( 2 ) In accordance with the written instructions of the consumer to whom it relates. My written consent is needed in order for this company to access file. According to15usc1681Q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

maybe this was an honest mistake but the law is very clear. Please provide the document with my wet signature giving this company my written consent to access my credit file. 
Date of inquiry : XX/XX/2021
Consumer complaint received 2017-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (ID)

On  XX/XX/2017    I made a withdrawal for {$300.00} from the  Wells Fargo  ATM,   XXXX   XXXX  ,   XXXX  . Instead of dispensing {$20.00} bills it dispensed {$5.00} bills. They ran an investigation and said that the machine showed no error. How do I proceed to recover the {$220.00} that I 'm owed.
Consumer complaint received 2018-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (LA)

I recently contacted Diversified Consultants regarding an account listed on my XXXX credit report as a paid collection. The account listed was paid to the original creditor after it was discovered that the original creditor ( XXXX XXXX XXXX ) was sending correspondence to my previous address of service and they had not updated their records to reflect my new service address. I have three separate accounts with the original creditor and have never been late with any payments on these accounts. I was assured by the original creditor that this matter would be resolved but after several attempts through mail and by phone with Diversified Consultants this paid collection still remains on my XXXX credit report. This account is the only blemish on my credit report and i respectfully ask that it be removed as it was paid as agreed upon to the original creditor.
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called BOA today and spoke to 6 customer service reps who could not help me. I paid XXXX Mortgage payments at the Branch with a teller and BOA stole my money. My payments are not reflected on my mortgage statements and BOA can not account for why my account is current and they can't find the money. 
My mortgage interest statement is off and they can't find the money? 
My home loan account number is : XXXX
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (FL)

On XXXX signed an auto loan contract with XXXX XXXX AND WELLS FARGO for 12.99 % then immediately changed to 16.88 %. 
On XXXX wells fargo tried to add {$1900.00} collateral insurance for XXXX to XXXX on the car even though we had insurance. 
Charging excessive late charges Excessive charges when payments made by telephone Clause in contract -- No cooling off period {$33000.00} for a new XXXX  XXXX XXXX Charge of {$840.00} for a XXXX XXXX XXXX XXXX XXXX for {$520.00} Repossessed on XXXX still owing {$22000.00} Wells Fargo sold car on XXXX for {$11000.00} and wanting {$14000.00} balance Had XXXX miles on car on XXXX During last year car was in my possession, Wells Fargo harrassed me constantly with multiple telephone calls within an hour, even though I had talked to someone previously and arranged for a near future payment date and continous stream of calls from numerous agents often within 2 hours of each other. 
This all happened when I was as little as 5 days past due late. 
I finally decided to let this car get repossessed voluntarily to end the mental anguish and harrasement that Wells Fargo was inflicting on me. 
Soon after on XXXX, we had to file bankruptsy. 
Wells Fargo was paid {$4400.00}.
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (PA)

In   XXXX     I went into a modification mortgage program with  Ocwen Mor tgage  Services  employed by   XXXX   XXXX  . The modified mortgage would be a fixed rate, 20 year mortgage. I was told there would be a balloon payment. However, I was never told the balloon amount and, it was not disclosed in the modification agreement I executed. I requested by e-mail before and after the execution of the modification agreement the amount of the balloon payment and it was never disclosed by the mortgage representative. The mortgage would be paid in full on  XX/XX/XXXX  and the lump sum balloon payment due at that time. Over a year into the mortgage modification and on   one of my many calls to Ocwen a customer service representative told me that the lump sum balloon payment would be {$80000.00}. Ocwen representatives have admitted that the amount of {$80000.00} was not disclosed in the documents executed. Ocwen acknowledges that their representative assisting me with the modification verbally told me the {$80000.00} amount before execution of the modification agreement. The latter is not true.
Meanwhile, payments that started at several hundred do  llars monthly have been as high as {$1500.00} plus monthly and currently {$1000.00} and rising again.
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAS LaVrar, LLC (FL)

On a recent check of my mail I see there is a collection/charge off account from RAS LaVrar LLC saying I owe a debt of {$2100.00} that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of XXXX  days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + current mailing address Letter I received from you
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX reported me to XXXX XXXX credit bureau for 3 different accounts. One of the account is {$1000.00}, the other is {$320.00}, and the is {$1300.00}. I have never done business with XXXX XXXX, I have never signed any contract with XXXX XXXX, and I certainly have never given my consent to XXXX XXXX to place fraudulent information in my credit report at XXXX XXXX. I value my right of privacy. XXXX XXXX has violated my right as a free man. I repeatedly demanded that XXXX XXXX provided me proof that I ever entered into a contract with them, I ever gave them the authorization to put any information in my XXXX XXXX report, and provided me proof and verification of the debt claimed against a free man. I have never received a response from them. XXXX XXXX clearly violated my right of privacy, my right of freedom, and etc .... I demand that XXXX XXXX cease to publish false, misleading, and fraudulent information about me to XXXX XXXX.
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica (CO)

On XXXX XXXX I attempted to transfer {$630.00} from my card with Direct Express to my mother 's account. At first the transaction was pending, then after four days it showed as paid only it never got to my mother 's account. When I called in about it I was told the payment was returned but wasn't given ay code or reason why. Y mother 's bank never received the payment to refuse it
Consumer complaint received 2023-02-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

We applied for loan modifications multiple times and we were denied. I was actually told I have too much equity in my home. I was able to scrape together enough to reinstate the mortgage the day before the foreclosure sale. It actually showed Wells Fargo as owner on XXXX XXXX XXXX XXXX XXXX website. I was able to get thier name removed. 
This bank does a lot of immoral practices if not illegal as well.