davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-01
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: Experian Information Solutions Inc. (TX)

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 Name : XXXX XXXX  XXXX XXXX XXXX account # XXXX 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 seven 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 2021-06-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I sent to the CFPB a complaint on Credit Reporting. XX/XX/2021. Everything has to do with Wells Fargo. The CFPB has to initiate a standard of protection to the Home Owner at no fault of their own, due to Wells Fargo error, Foreclosures are basically a scam and the only ones who profit are Foreclosure Attorneys and their Mills and the Banks. 

Please review the info I sent today. The other company I mentioned are HOA 's and the Management companies they hire and they are growing in numbers and in strength. They used to be good years ago not anymore. 

What if a bank has one bad loan officer and scams the victims with out knowing it until it is to late. 

My present bank, I spoke with an employee who used to work for Wells Fargo. I told her you don't know me but I was with Wells Fargo and was informed of a certain loan officer who was not suppose to be trusted. I mentioned her name. She informed me, " I heard the same. '' Does Wells Fargo instruct their loan officers to deceive people? 

In the middle of a major dispute with Wells Fargo 's attorneys. My soon to be ex attorney will dismiss himself which saved me the trouble of firing him. He did absolutely nothing. No meeting. Nothing. No counter claim. Nothing. 

My request to CFPB that all foreclosures especially with Wells Fargo, will be mediated with a law clerk with some form knowledge of contracts or some form of fraud. Wells Fargo, breached the contract by posting my payments on the wrong account. Not applying more to principal. Opening an account which I never applied for. The list goes on. 

The number one issue when CEO XXXX said, " There was a glitch in the computer mortgage program '' How can anyone know what that glitch was. How much Wells Fargo profitted along with Foreclosure Attorneys and their Mills from that glitch. 

It will be up to CFPB and DOJ to stop foreclosures and have mediation for those who feel they were truly a victim of Wells Fargo 's Fraud. 

A Criminal Entity.
Consumer complaint received 2020-03-18
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. (CA)

I am filing this report because today XX/XX/2020 I was made aware of two accounts on my credit report that do not belong to me. The way I found out was that I went to apply for a XXXX  credit card and I did not get approved due to these two accounts in negative standing appearing on my credit report. The accounts are from XXXX XXXX and XXXX XXXX. I did not open those accounts nor have I ever opened an account with those companies. I did not allow anyone to open those accounts in my name and I do not and have never had a written/verbal contract with either of those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I have filed this report to the best of my knowledge and I have also filed a police report and a complaint with the consumer financial protection bureau.
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

On XX/XX/22 I received a text message from ( XXXX ) XXXX FreeMsg : From Fifth Third Bank : Did you attempt {$580.00} at XXXX  Shopping Center? Reply YES or NO. If YES, you will not be charged unless you try again. If NO, we will mark this transaction as fraudulent. Msg & data rates may apply. 

I have never even heard of this bank or filled an applications with them. I would like for you to investigate the credibility of this bank themselves! Thanks
Consumer complaint received 2021-06-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (PA)

XX/XX/XXXX I was forced to sign a promissory note that required I pay a reduced debt of {$26000.00} at XXXX month no interest so that a short sale on my property could be completed and my XXXX clearance as a XXXX XXXX in XXXX XXXX XXXX , would not be in jeopardy. The property sold for {$280000.00} but the original purchase price in XX/XX/XXXX was {$400000.00}. I had a XXXX XXXX arm loan originally with XXXX good until XXXX but soon after the loan was transferred to XXXX XXXX XXXX during the financial crisis. In XXXX I refinanced the smaller part of the loan ( XXXX ) with XXXX XXXX to keep the interest rate stable. ( It previously a HELOC with XXXX ) Unfortunately, the market bubble broke in XXXX and the Value of my property plummeted. I made a request in XXXX to XXXX XXXX to reduce my obligation in XXXX but I was informed that I must continue to pay this debt monthly and if I were to default I would be held responsible for {$73000.00}. I have been paying on time since the XX/XX/XXXX. This practice of denying Short-sales and requiring customers to sign promissory notes was banned after XXXX. I have email and letter communications from XXXX XXXX XXXX XXXX, XXXX XXXX, that state he would not alter the amount owed on my credit report to reflect this lesser amount owed. My other complaint is that XXXX XXXX received Bailout Monies in XXXX XXXX and XXXX which never had to be repaid according to XXXX. The soldiers and sailors relief act would not protect me as I was commissioned in XXXX XXXX XXXX at the time. I feel that the timing of my situation made me fall into a, predatory gap which allowed XXXX XXXX to take advantage of me. I hope that you can assist.
Consumer complaint received 2021-06-17
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 ()

Paypal has permanently suspended my account with no real reson, i have tried contacting them but they have done nothing to help me, i have genuinely ever done anything wrong and i have not even used the account for any financial transactions, a close friend told me i can use this site to file a report, hoping you can assist me, the email linked to my account is XXXX paitently waiting for your assistance in resolving the matter
Consumer complaint received 2022-03-26
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NJ)

SYNCHRONY XXXX  XXXX The results of the requested investigation did not produce the documentation of that investigation or update my credit profile. Therefore they have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX, XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

Do inquiry on my credit report is fraudulent its not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX phone number XXXX
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have been charged {$120.00} in fees due to a mistake or intentional misinformation by the bank and was told that those fees are not refundable. 

I opened my checking account in person at Bank of America XXXX of XXXX. I was told at the branch that I will be given a student checking account with a fee waiver. However, I have just discovered that the account that BoA gave me, which I thought and been promised to have a fee waiver, have been paying a XXXX XXXX  monthly fee for the past 7 months. I contacted the BoA regarding this issue XXXX XX/XX/XXXX around XXXX ) and was notified that my account doesn't have a fee waiver and was not setup as the student account that I was promised at the branch. They fixed the account type and gave me the fee waiver. However, only 2 out of 7 monthly fee instances were refunded.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ERC (NJ)

Please note that the debt with Enhanced Recovery Company on behalf of the original creditor has been satisfied. Creditor refuses to update my credit report to reflect {$0.00} balance. Why hasn't this been updated? I received threatening messages from this company and fear of being sued for an old debt already satisfied. A possible judgment will damage my credit for at least 7 years.
Consumer complaint received 2020-03-18
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. (CA)

I am filing this report because today XX/XX/2020 I was made aware of two accounts on my credit report that do not belong to me. The way I found out was that I went to apply for a XXXX   credit card and I did not get approved due to these two accounts in negative standing appearing on my credit report. The accounts are from XXXX 's and XXXX XXXX. I did not open those accounts nor have I ever opened an account with those companies. I did not allow anyone to open those accounts in my name and I do not and have never had a written/verbal contract with either of those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I have filed this report to the best of my knowledge and I have also filed a police report and a complaint with the consumer financial protection bureau.
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OH)

I was charged in error by a hotel for a stay in which I used points to pay for my room. The hotel says they did not charge my card, or that they charged my card and then immediately reversed the charge, yet my card is still showing the debit of {$160.00} I have called Chase and they will not refund my money. They insist on me providing documentation of points being used for the stay, when the hotel could easily provide this information. I have a life, and have now wasted over a month of phone calls and emails to dispute something. It is clear their agenda is to get me frustrated enough to just give up so they can have my money
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

THIS COMPANY IS CHARGING ME UNAUTHORIZED LATE FEES AND CHARGES ON A ACCOUNT I REQUESTED TO BE CLOSED AND BILL I PAID THEY WERE SUPPOSED TO REMOVE LATE FEES WHICH IS HOW THE COHERSED ME INTO PAYING THE BILL FOR CHARGES I DID NOT HAVE AND HAVE YET TO DO SO AND REPORTING ME LATE ON MY CREDIT REPORT I HAVE BEEN AFFECTED BY COVID AND THEY CONTINUE TO DEFAME MY NAME WHEN I HAVE STOPPED DOING BUSINESS WITH THIS FRADULENT COMPANY XX/XX/2020 2020
Consumer complaint received 2020-04-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: HYUNDAI CAPITAL AMERICA (NV)

In XXXX of 2019, I had inquired about a new vehicle purchase at my local dealership. I had been in contact with a formal sales representative i worked with in the past. He acknowledged that for the purchase of the new vehicle that I would have minimal negative equity and the dealership would cover the rest. On XX/XX/2019 I made the purchase at the dealership. When signing the paperwork, the sales representative did not disclose how much negative equity would go into the new loan. Also, no further explanation of how much my payment would go up and why. I had been lied to or mislead with false advertisements and word of mouth by the sales team. On XX/XX/2019 I attempted to return the vehicle back to the dealership. But had been lied to that it could not be returned when in fact it could have been turned in by a manufacturer purchase deal. I attempted to go through the company on how to return the vehicle but no response.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (CA)

I have been a AAA Visa member for many years, then they sold it to Commenity Bank AAA Visa I reported major fraud twice, they still have not recovered my loss and said this is not the first time they have had fraud i asked for my refund still no new card no refund
Consumer complaint received 2022-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (TX)

The peoples United bank is closing my account. I am a SSDI recipient they have failed to investigate fraud and violated FDIC regulations. Upon your response I will give you further details of where to find documents sent to other agencies asking for help. I have been defrauded and abused as a human being in medical facilities and the states of MA and CT law enforcement, courts, hospitals, and this financial institution of using an illegal committment to say I am incompetent of legal matters and defraud a SSDI recipient. XXXX XXXX and XXXX XXXX and their family and personal ; connections are trying to abuse me into dropping a very serious abuse complaint at the VA and bank fraud has been reported several times, and now they are violating FDIC regulations to close my account. Please help me I am socially XXXX do to trauma and they have all taken advantage of my condition for their own benefit. I am an SSDI recipient and have banking rights as I am in charge of my own finances. They also refused to let me update my address.
Consumer complaint received 2020-03-18
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)

A while back I lost my purse with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$31000.00} XXXX XXXX {$6000.00} XXXX  XXXX {$7000.00} XXXX  XXXX XXXX {$3800.00}
Consumer complaint received 2019-12-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (VA)

Not that The CFPB has been useful any oother time I have submitted a complaint about Ditech but to create a paper trail for the lawmakers I will involve again here goes Ditech has refused to provide the pay off quote for my loan for the last 2 years. It started when it was noted misappropriation of funds that you were already made ware of and did nothing about. Now I have sold the house and scheduled to close in a week and Ditech is telling two different things again regarding providing the pay off quote again My guess is to fudge the numbers again. I don't really understand why the web refers the CFPB to help in situation with fraudulent services like Ditech and you have no enforcing power as one of your representative stated but whatever. In addition due to fraudulent activities detected on my account with a previous insurance company ( changing the policy three times in the same policy year with notification to me ) Ditech no longer pays my insurance directly I do to ensure the matter does not repeat .Ditech every yearstates to provide proof of insurance and whenI do they demand that the mortgagee be listed Ditech Finacial LLC and its affiliates and or assigns. I have requested in writing for over 2 years the name of the affiliates and have never received a reponse. therefore Ditech was removed as the mortgagee for failure to disclose.However, Ditech called my current mortgage company and requested that it be applied again and that if I call to have it remove to cancel my insurance, ODD when I hazard insurance is required for the loan but then I get a notice stating that now itech provides Hazard insurance and they can cover me. I declined and remained with my current insurnace and had Ditech removed as the mortgagee
Consumer complaint received 2021-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MEGA CAPITAL FUNDING INC. (CA)

XX/XX/2021 we sent a payment of {$1300.00} to open an escrow account to cover property tax and insurance. as of this date the account is more than two weeks from being functional. 
Despite several telephone conversations assuring me that the mortgage company would now be responsible for those payments our insurance policy was cancelled for non-payment. This resulted in a new policy being issued at an higher rate. 
Today we received a final warning letter from Mega Capital Funding that there is no proof that we have hazard insurance and they intend to purchase a policy and bill us. 
We have several recorded conversations in which they state that the have everything they need and the escrow account will be opened and functional by a certain date. all the promised dates have passed ( the latest was XX/XX/XXXX ). 
After a long ( XXXX ) recorded conversation today, the next promise is that the escrow account will be all set-up by the first week in XXXX
Consumer complaint received 2020-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

I submitted a certified HIPAA letter to Americollect via USPS mail tracking # XXXX. The USPS website shows they received the letter on XX/XX/2020. In the letter, I requested a response in writing within 10 days advising they were processing the request but I did not receive any response. Per the FCRA guidelines, the creditor has 30 days from the date of receipt to respond/investigation to be complete or else the item must be removed from my credit file. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) validation of this debt must be produced within that timeframe. Neither was done in a timely manner. 

This item was previously disputed a few months prior and was removed from my XXXX and XXXX  report but still remains on my XXXX  report hence the reason I submitted another dispute on XX/XX/2020. 

I contacted the creditor, Americollect on XX/XX/2020 to request that they remove this debt from my XXXX  report for failure to comply with the turn around time according to the FCRA 30 day timeframe. I spoke with XXXX, a supervisor for Americollect and she advised me they completed their investigation on XX/XX/20 because they had to wait for the original creditor to send them validation. I explained to XXXX, regardless of the reason, per FCRA they must remove this debt from my credit file b/c they were past the 30 day turn around time to complete their investigation but she refused to do so. 

I am asking that this item is removed from my credit profile immediately as it is not valid, a breach of security according to the FCRA ( 15 U.S.C 1681 subtitle D of the ARRA, SEC. 13401 ) and was not responded to within the 30 day timeframe also per FCRA guidelines. 

Best Regards, XXXX XXXX
Consumer complaint received 2022-03-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Someone might have used my name, phone number and email address to open a savings account with PenFed Credit Union. I called the bank and they could not confirm how that happened. I would like to report this incase it affects my credit score.
Consumer complaint received 2022-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NH)

I am attempting to determine why Chase Bank placed a 14-calendar day hold on a remote deposit check in the amount of {$220.00}. The check cleared through the ACH network the same night the remote deposit was made. Chase indicates they are doing this to ensure the availability of funds and when I asked a rep I was told " because we can '' as the reason with no further explanation.
Consumer complaint received 2020-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (MD)

I lived in an apartment complex then named XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Sometime around the spring of XX/XX/XXXX, a representative visited me and said that they intended to renovate the apartments, and since I had occupied my apartment for ten year, it was slated for renovation. That year, I informed them that I was vacating the apartment in XXXX after ten years. 

I PAID MY RENT IN FULL. 

I vacated the apartment in XX/XX/XXXX. I was reviewing my credit report and noticed a derogatory comment from the successor company through a debt collector. They stated that I owed one month 's rent. I DO NOT OWE ANY RENT. There was dispute about the length of notice I gave them before leaving. I told them at that time that the notice was sufficient since they meant to renovate the apartment as told to me in the spring, and there were indications that they started renovating shortly after I left. The impression is that by not giving more notice they lost one month 's rent. No, they did not.