davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (TN)

In XX/XX/2023, my ex boyfriend stole my XXXX XXXX debit card and took out a total of {$700.00} from my bank account. They sent me a new card but never refunded the money as they said they would.
Consumer complaint received 2023-06-13
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. (GA)

I have recently taken the time to look over my credit reports and noticed that my natural rights as a consumer has been violated in many ways by the Credit Agencies Transunion, XXXX and XXXX. I have tried a numerous amount of times to contact them to handle these issues and make them alert that I am aware of the violations that they have and are doing. First of all I never gave them permission to furnish ANY of my personal information on the consumer report which is a violation of 15 USC 1681b PERMISSIBLE PURPOSE OF A CONSUMER REPORT. No consent is in fact Identity theft which I am already a victim to!. Also, I would like to use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with XXXX, Transunion or XXXX through arbitration. I REJECT the arbitration clause in the interactive service agreement so please take note! Another violation that I have noticed is the great deal of inquiries that DO NOT BELONG TO ME! I am very responsible and that clearly seems that someone was trying to use my credit to get things not ME! I HAVE ALSO NOTICED LATE PAYMENTS which is a violation of 15 USC 1681s-3. consumer reports should not contain information solely as to transactions or experiences between the consumer and the person making the report so all accounts that include late payments need to be removed immediately as I have already started legal action to gain compensation for defamation of character, negligent enablement of identity fraud, Fair Debt Collections Practices Act 15 USC 1692g violations and Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616 Civil liability for willful noncompliance 15 USC 1681n.
Consumer complaint received 2023-05-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

I was placed with a temporary restriction ( Ref XXXX XXXX XXXX XXXX  on XX/XX/2023 when I received 3 payments on the same day as a personal payments. I think it is my utmost right to use PayPal as a payment receiving platform and I am allowed to receive personal transactions. 

Anyhow, Since I was being placed with a restriction, I had to provide with the right form of documentation and explanation necessary for the restriction to be uplifted. Disappointingly, in a spare of seconds, after completing the appeal steps, my account was placed with a permanent restriction. This made me as a user disappointed and disillusioned with the PayPal security system as I was not doing any gambling or any illegal activity with my PayPal account. Then how come my account must be restricted? Is this what we deserve as a consumer? 

I ask PayPal, if there were to provide additional information, I must have been asked first before putting in a restriction. Now who will be responsible for the {$2600.00} that is sitting in my PayPal with a permanent restriction without any certain reasons. I must mention that I have a personal account which is why I am literally confused what seems to be the problem. 

I must say that this act has left me astonished as I did not expect to be treated like this. 

I respectfully request the higher department of PayPal to restore my account access back to normal as I havent done anything wrong or to trick PayPal system at any stage. I am open to provide with additional piece of information if required. 

XXXX
Consumer complaint received 2023-03-01
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. (TX)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, correction, or removal of the following erroneous information on my credit report. I'm looking forward that these will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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. (TX)

Dear CFPB, I am writing to file a complaint against Chase Bank for failing to issue me a full refund for a fraudulent charge from XXXX. 

On XX/XX/2023, I was charged {$110.00} by XXXX for an item that I did not order. I immediately disputed the charge with Chase Bank. 

On XX/XX/2023, Chase Bank issued me a partial refund of {$19.00}. They claimed that the remaining {$100.00} of the charge was not fraudulent. 

I contacted Chase Bank again to dispute their decision. I provided them with evidence that the charge was fraudulent, including screenshots of the XXXX website showing that I did not order the item. 

On XX/XX/2023, Chase Bank called me and said that they had reviewed my case again and decided to issue me a full refund. However, I have not yet received the refund. 

I checked my Chase Bank account online and on my XX/XX/2023 billing statement, and I do not see any sign of a refund. I also called Chase Bank customer service and they confirmed that I have not yet been refunded. 

I am very disappointed with Chase Bank 's handling of this matter. They have failed to issue me a full refund for a fraudulent charge, and they have not been responsive to my requests for help. 

I am filing this complaint with the CFPB in hopes that you will investigate this matter and take action against Chase Bank. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2023-05-12
Product: Credit card or prepaid 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: U.S. BANCORP (CO)

I bank with US Bank and have a credit card through them, as well. I woke up to fraud charges on my credit card on the XXXX of XX/XX/2023. Called US Bank as soon as I woke up around XXXX XXXX XXXX Tried to dispute the charges that were placed throughout the night as I was sleeping. They took off every charge except for one. The charge is for {$58.00} for XXXX. I do not even golf..They have the audacity to tell me I authorized this charge. The charge was made in XXXXXXXX XXXX and was manually entered, but I live in XXXXXXXX XXXX and have never even been to XXXX Plus, I was sleeping. I have camera footage from my house and work clock-in 's to prove I was in Colorado during this fraudulent charge.
Consumer complaint received 2024-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RoundPoint Mortgage Servicing LLC (NM)

Emailed attached document on XX/XX/XXXX. This company is very difficult to communicate with. Did not receive statements XXXX XXXX, called and emailed them numerous times about that. Have filed previous complaint when loan transferred, I was not notified about charges of which I was not previously notified. They required me to contact previous mortgage servicer, and obtain information which I did, and forwarded to them. While I was waiting for their review and explanation, they assessed late charges and someone named XXXX started calling and harassing me about bill collecting.
Consumer complaint received 2016-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

My husband and I tried to do a simple refinance in XXXX 2016 with Wells Fargo bank. We have been long time customers of the bank with outstanding credit ( over XXXX score for each of us ). We were asked to submit documents multiple times for the refinance and sometimes the 'online portal ' was not working correctly, so we were encouraged to 'just email ' it to our team of refinance people ( XXXX XXXX , XXXX XXXX , and the underwriter ). As we all know, email is notoriously unsafe for the transmittal of sensitive documents. Prior to my husband and I completely pulling out of the refinance process due to Wells Fargo 's inability to complete the simple paperwork, I came across an email that showed that our home appraisal was SHARED with a couple in XXXX by the name of 'Powers ' which closely resembles our name 'Bowers ' , but only if you can not read. We came to find out that personal information was not only transmitted over email, but shared with complete strangers who 's name happened to sound the same as ours. We have since opened up another refinance with our local bank ( XXXX ) and the process is going smoothly. I have requested our appraisal fee to be refunded, but so far Wells Fargo REFUSES to give us back that lost {$350.00}. We had to come out of pocket for another appraisal with our new application with XXXX. I strongly feel that Wells Fargo should refund our appraisal fee ( at a minimum! ) for the way their refinance team handled our simple refinance. Thank you. XXXX, CA, XXXX
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive called the credit bureaus and explained to them my student loans are not late they are in deferment. Over the past 2 years since the pandemic the loans are showing missed payments when in fact they are deferred. Also, the loans were recently sold to another service provider in which they are still in deferment and the new provider is showing I have 4 missed payments. The credit bureaus are saying its showing on time, however, when I apply for credit it shows they are late and are missed payments. This is causing my score to remain stagnant and costing me more money when financing things.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

My original complaint is below. I am starting a new complaint because I have the following response to Chase bank and the CFPB and the original complaint has been closed. The only statement the company has provided is we decided to close your account because of your connection to a publicly reported financial investigation. They now further elaborated that this is specifically related to my XXXX. A quick XXXX search revealed there is someone with the same first and last name as my XXXX, and I believe even the same birthday, who lives just XXXX of us, and has been indicted and sent to prison for mortgage fraud. My XXXX is not in prison and has not been indicted for mortgage fraud. Could this be the reason they have decided to discriminate against my XXXX? 


Original Complaint : My XXXX and I recently opened a Chase XXXX account using my XXXXs birthday money so that we could fund XXXX XXXX XXXX cards they offer for children. After relatively little activity and not much either being deposited or withdrawn from the account I received a letter from Chase stating that after a periodic review they have decided to close the accounts, including my XXXX XXXX XXXXXXXX XXXX cards. They can not provide any reason whatsoever to why they decided to do this. I can't help but feel that they make it seem as if we did something wrong or shady, which makes it all the more frustrating because there is no way we could defend ourselves. It actually feels very much like discrimination.
Consumer complaint received 2023-01-15
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd (PA)

My name is XXXX XXXX, I am a Transferwise customer with email address XXXX Wise deactivated my account with funds in it and they kept the money to themselves without sending it to me. 

On XXXX XX/XX/2023, I tried the wise appeal website and noticed that wise asked for my bank details so as to refund my money which I have successfully submitted, but wise has still not refunded the money to me. 

I am submitting this complaint because I need wise to send my refund to my USD bank details I provided to them on timely manner My bank details which I submitted to wise is Routing Number : XXXX Account Number : XXXX I need wise to send the receipt of the refund this complaint. 

The email associated with my wise account is XXXX XXXX
Consumer complaint received 2023-01-15
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. (NJ)

I did a FTC report in XX/XX/XXXX and spoke with XXXX POLICE DEPARTMENT because there were XXXX student loans on my credit reports from XXXX. XXXX sent me a Packet Titled LOAN DISCHARGE APPLICATION : FORGERY and i filled it out and sent it to XXXX. On XXXX, XXXX XXXX, XXXX Closed all XXXX accounts from my XXXX, EQUIFAX AND XXXX Credit reports. In XX/XX/XXXX EQUIFAX Reopened my XXXX Accounts and added an Fraudulent account with XXXX OF XXXX For the same amount as the fraudulent XXXX Accounts, {$71000.00}. This account does not belong to me. Under 15 USC 1681 ( a ) 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( a ) 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. Multiple addresses are reporting on my profile as well.
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (CA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Radius Global Solutions, LLC, for committing identity theft. I have never given Radius Global Solutions, LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with Radius Global Solutions, LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/23, I have not received any documentary evidence, such as a trilateral contract, giving Radius Global Solutions, LLC any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Radius Global Solutions , LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Radius Global Solutions, LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Radius Global Solutions, LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Radius Global Solutions, LLC, continues its collection efforts, I will file for litigation for actual damages caused and Radius Global Solutions, LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

Repayment of my federal student loans was initially begun with XXXX. I chose the Extended Repayment Plan and was faithfully paying {$210.00} per month before the pandemic payment pauses. 
During the pause period, my loans were transferred to MOHELA. When payments were due to resume in XXXX, XXXX, MOHELA advised me that my monthly payment was {$360.00}! This change to some sort of other payment plan was done entirely without my assent or knowledge, and I believe it was illegal for MOHELA to do this. 
I called several times in XXXX, suffering hold times of more than 2 to 3 hours. Each time I spoke with a representative, they could not tell me why my payment had been changed, or even what plan I had been put on. They said they understood I wanted to be put back on Extended Repayment, back to $ XXXX, and said they would pass that on. On one call, I was told that the supervisor just said it was not possible to change my plan! I called again and asked to speak with a supervisor. This person understood my problem, and said they would place me on administrative forbearance while they worked it out. 
At the end of the administrative forbearance, nothing changed! I was sent a statement showing that my XXXX, XXXX payment was to be {$360.00}. I tried to pay the {$210.00} that I believe I owed, but was unable to do this, because the website required me to acknowledge that if I made such a payment, I was paying less than I owed, which is not true. 
At this point, I gave up with telephone calls and sent several messages to MOHELA. One letter said they were going to request a forbearance while my situation could be looked at to change the payment plan. Then I recently received a letter that appeared to say two contradictory things- it stated that I was going to be in forbearance, but then, at the very very bottom of the letter after the grid with my loans, it states that my forbearance was denied due to " overlaps ''??? 
Now I have been sent a statement that I owe three payments of {$360.00}, for a total of {$1000.00}. None of this is correct, and I worry that it will be impossible to correct soon, as MOHELA is in the process of changing to a new servicing platform. Please help!!! 
I am attaching all pertinent correspondence below.
Consumer complaint received 2023-01-15
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: STATE EMPLOYEES CREDIT UNION (SC)

State employee Credit union XXXX XXXX XXXX XXXX In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Consumer complaint received 2023-01-15
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. (PA)

I did a thorough investigation on my credit report and seen a collection on my credit report that doesn't look right. 

XXXX XXXX Date Opened : XX/XX/2022 Amount {$770.00} This account is not mine.
Consumer complaint received 2022-02-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NM)

I filed a complaint with the XXXX XXXX for unfair practices and phone harassment. Company sent a letter admitting fault but never said it was for my complaint, admitted fault for not including me in the XXXX virus static program, so they repaired my credit, and agreed to release my vehicle. XX/XX/22 I called to release my vehicle, but made several Calls back and for for XXXX hrs, never getting it released from auction.
Consumer complaint received 2023-01-15
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 — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA (AR)

On XX/XX/2020 I was in a car accident that almost XXXX me and totaled my vehicle. Since the other driver was put at fault in the accident that driver is supposed to assume responsibility and liability for my damaged vehicle. Since that person was uninsured I communicated to Kia finance America what happened and they had no sympathy for my incident and still report the vehicle on my credit as if I still have it. This is unacceptable and is keeping me from getting another vehicle. My consumer rights are being violated. My balance is being listed as {$19000.00} as of XX/XX/2020 on my credit file and this item is negatively impacting my credit report.
Consumer complaint received 2024-01-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: A/R CONCEPTS, INC. (IL)

I would like to verify my debt and therefore I am writing to request an itemized bill for the XXXX XXXX or treatments associated with my account. I want to verify the accuracy of the debt and understand the details of the charges. Also I ask collector to provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.