davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: GFS II, LLC (MI)

Hello, My name is XXXX XXXX I recently realized that my work checks were being garnished by XXXX XXXX. I purchased a XXXX XXXX XXXX on XX/XX/XXXX through XXXX XXXX XXXX and unfortunately I had to voluntarily return the vehicle to XXXX XXXX due to numerous of issues the car was having that I was coming out of pocket paying for, before it had even hit a year I was replacing many major parts on the vehicle I eventually had to give it back because the gas line on the car was broken and I was told if I continued to drive it would eventually catch fire. I returned the vehicle and was told by XXXX if they sold the vehicle I would NOT be responsible for the remaining balance on the car and if it wasnt sold I would be. I was never ever informed on if the car was sold or not so I genuinely took the no call back as if they sold it and I owed nothing. Until I seen it on my Credit several years later but that it was closed and it had been Charged off as bad debt Profit and loss write-off with XXXX on XX/XX/XXXX. I received my work check on XXXX XXXX and noticed {$300.00} was garnished from my pay I was not informed by my job that I would be being garnished from anyone, I contacted my jobs HR representative and was showed a court document stating I was being sued for {$10000.00} by XXXX XXXX for this vehicle. I contacted the courts and was told that i was severed at an address that I DO NOT LIVE AT and that i could file a motion but would still be liable to pay for the vehicle. I am a single mother I do not just have {$10000.00} and absolutely can not afford to have my checks garnished and also I feel as if I shouldnt be held accountable for this vehicle it was my very first car and I feel as if I was totally ripped off the car didnt last me but for a few months i was paying out of pocket to repair the car just to keep it afloat. I was never given any documents about being sued nor made aware that XXXX XXXX was still seeking me to pay for the vehicle.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (FL)

During the beginning of covid i was enrolled in a secured card with TD bank. I was unable to pay the bill even though they kept calling and asking for payment. After a couple months went by i decided to pay the full amount. My problem is that now i have a deliquency on my credit record and its affecting my outcome on credit worthiness. I feel very pressured by this and so i decided to go a step further and try to straighten out the fact that they didnt offer any forbeance during a pandemic and refused to remove late payments. The account was payed in full. Roughly XXXX dollars of debt. And i still have the delinquencies on my credit file. Please any assistance would be appreciated thanks.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

In accordance with Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  Account # XXXX has violated my rights 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-11-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OK)

My information was compromised in a Coinbase data breach. It was then used in a sim swap scam that began at XXXX central time XX/XX/XXXX. I attempted to reach out to XXXX support, but they have not been forthcoming or available. I lost {$600.00} in assets on XXXX. Additionally, the scammers have been charging my bank accounts and XXXX will not stop this activity or secure my information.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE FILED NUMEROUS COMPLAINTS ABOUT THIS SAME ISSUE IN THE LAST THREE YEARS!!! I NEED THIS RESOLVED ASAP! Transunion continues to report this XXXX ADVERSE ACCOUNT as open and as a closed within the last 30 days They keep re-reporting it so every month my credit score drops 30-50 points!!! I can't keep living like this!!!! SOMETHING HELP ME OR WE WILL BE DRIVE TO XXXX!!!! XXXX CLOSED THIS ACCOUNT IN XX/XX/year> AND with the help of Transunion XXXX is HOLDING ME HOSTAGE BY CONTINUING TO REPORT THIS DEBT AS NEW AND THEN CLOSED WITHIN THE LAST 30 DAYS PLEASE STOP THEM FROM DOING THIS AS WE ARE BEING DRIVEN TO EXTREME POVERTY. MY SON HAS XXXX PLEASE HAVE MERCY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (RI)

Accounts was open fraudulently which is now hurting me and stoping me from getting loans or credit cards. loans was open like Wells Fargo auto finance and XXXX XXXX  auto finance
Consumer complaint received 2023-01-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC (MS)

On XX/XX/2023 I spoke to someone at westlake financial regarding a payment arrangement for my car note in the amount of XXXX  the representative at the time assured me that my request was approved and I would not be charged any additional fees. On XX/XX/XXXX and the XXXX I received calls from this number ( XXXX ) XXXX - XXXX stating my account was past due and asking when I was making a payment I was never given this number as a contact reference from the dealership I brought the car from or the finance company. I called Westlake financial at XXXX XXXX  on XX/XX/XXXX and spoke to XXXX XXXX about my car note and I stated to her that I already spoken to a representative and made an arrangement to pay on a certain date she assured and stated to me on a recorded line that it was noted in my account that a payment would be made XX/XX/XXXX of XXXX also XXXX XXXX stated that effective immediately tomorrow I would not be receiving anymore calls from the ( XXXX ) XXXX - XXXX number anymore when I made her aware that I wasnt given this number by anyone at westlake or the car dealership she didnt confirm that was one of westlake financial numbers but instead she just got silent and said umhmm yea and proceeded to state that she would have to speak to a supervisor to get my request approved. After already speaking to a supervisor and representative 10 days before my request was already approved and granted but what XXXX XXXX mentioned to me was surprising she said I would have to secure that payment arrangement with a credit card or checking account the representative I spoke to on XX/XX/XXXX never stated anything about having to secure the payment he said I can just call their ( XXXX ) XXXX - XXXX number back and make a payment with a credit or debit card for the XXXX amount. Also the representative before XXXX XXXX stated that a {$5.00} dollar charge would be added on when making the payment over the phone with a credit or debit card and when I mentioned that to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX charge come from. I am starting to think Westlake financial is a scam company because its always something new every time I speak to a representative at this company.
Consumer complaint received 2023-01-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (GA)

On Sunday XX/XX/2023 around XXXX A lady identified herself as attorney XXXX XXXX XXXX GA XXXX # XXXX working for XXXX XXXX XXXX XXXX XXXX went to my parent 's house, knocked on their door. My dad answered the door but he doesn't speak English so my 16yrs old son who was there at the time came to the door. The lady handed him a stack of court paper over 60pages and pointed out the information on the first page and explained to him that I owed XXXX XXXX about {$10000.00}. She told him that I need to call her within 30days to resolve. She also asked him to translate that to my Dad who wasn't at the door anymore but my son said it's ok and then she drove off. He was shocked and traumatized by the information so he called me. I have to rush over to the house to get the paper and calm him down.
Consumer complaint received 2022-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX  XXXX XXXX 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.
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had initiated a dispute in XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

There is an account with XXXX that should be removed. It has been be settled and I was told it would be removed however after several conversations and follow ups it's still reporting. This needs to be deleted ASAP. 

For the XXXX XXXX car loan I was NEVER late. I am providing documentation showing how there is so many discrepancies in the reporting. How can I be paid on time with XXXX and XXXX of XXXX XXXX but late 30 days with XXXX?? How can I be late 30 days with TranUnion and XXXX in XXXX of XXXX but on time with XXXX? 
The payment status shows 30 days late yet XXXX shows its current. I need these late payments removed. 

For the XXXX XXXX account they have yet to provide documentation to me proving this is mine. This should not be reporting. This should not be on my report and should be removed immediately. They have yet to respond to any of my correspondences.
Consumer complaint received 2023-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (NH)

The letter sent to PayPal today describes what happened and is copied below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PayPal Inc . 
Attn : Billing Error Dispute Documentation Request XXXX XXXX XXXX XXXX XXXX XXXX  PayPal Case # XXXX Case Denial To Whom It May Concern : I am writing to challenge this denial of a recent order transaction in which Pay Pal took more from my credit card than the company charged me. The order totaled {$65.00} and PayPal paid the company {$81.00}.

The order from the company as well as information from the tracking company clearly states that the cup holders purchased were part of a XXXX Sale and included an additional 20 % off and free shipping if XXXX were purchased. I authorized payment for the {$65.00} as you can see on the order confirmation ( enclosed ). The PayPal confirmation paid out {$81.00} with no explanation of the discrepancy. I challenged this additional {$16.00} and asked to have it returned to my charge card and you denied this. 

I received a response from PayPal that the case was denied after contacting the company because the difference was due to additional fees, shipping charges, or currency conversion rates. 
The items price was listed in the ad in XXXX dollars, shipping was free, there was no mention of any additional fees, and New Hampshire has no sales tax so that should not have been charged. 

If you received a request for more than the amount listed on the order, you should have notified me before paying it out. I would not have ordered the items that included this additional charge. 

This is XXXX of the few times that I have ordered something from a XXXX ad and believed that if it was a scam, I would have been protected by paying through PayPal. I am very disappointed that this is not the case. You should have notified me that they were trying to take more money than I authorized. 

Please refund my credit card with the additional {$16.00} that I was charged. 


Sincerely, XXXX XXXX XXXX ( XXXX ) Cc : Consumer Financial Protection Bureau
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XX/XX/2023 - I reviewed my free annual Experian credit report information - none of my current or past account information is viewable or disputable via this company. Despite Experian 's acknowledgment that they do not have any information regarding my current or past account information, Experian has created and is sharing an erroneous credit score that is impacting my reputation and creditworthiness. There are no online options for me to dispute the missing information, by phone or fax. It is unacceptable that this company and others are willing to report unverified erroneous information that is impacting the lives of customers 24 hours a day/7 days week but they are not required to maintain viable dispute processes 24/7. Please note that other credit reporting companies XXXX and XXXX both have the information that Experian is missing- perhaps Experian should pay for and use their respective credit monitoring services to maintain the integrity of their consumer credit reports.
Consumer complaint received 2023-12-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

I was in the final week of closing on a property in Texas. The house was supposed to close on XX/XX/XXXX in Texas. On Monday, XX/XX/XXXX, I was emailed ( along with my lender ) at XXXX and asked for contact info for the buyer. The display name of the email was the same person who I have been working with at XXXX XXXX based in XXXX. The actual email was " XXXX '' which is different from the real email of XXXX XXXX contact. The loan officer for my lender responded with my name, email and phone number. About XXXX minutes later, I received an email asking me to wire the funds to close on the property, without anyone else on copy. This email came from the loan officer as the display name, but it was actually the same XXXX  noted above. I responded to their email multiple times and they provided the wire instructions. I wired {$100000.00} to XXXX XXXX XXXX, however, did not list the beneficiary as the scammer requested. Instead I put XXXX XXXX on the recipient 's as the receiver account name. I used the account number provided on the scammer 's wiring instructions XXXX. When at closing to sign documents, I told the closer that I wired the closing funds. The closer called the title company, and title said they didn't receive it. Then I contacted my loan officer, and he said he didn't provide the wiring info. That's when I looked back at the emails and realized it was a fraud. I contacted Chase Bank that day ( XX/XX/XXXX ) to recall and reverse the wire. I also submitted an XXXX case to the XXXX  the same night and have been in contact with an agent. He said the resolution needs to come from the banks, but that the scammer 's account was frozen, and the money is held by XXXX XXXX XXXX. A few of the XXXX address in the different scam email headers are XXXX XXXX XXXX Since this happened, I have visited Chase Bank ( multiple branches on XXXX, XXXX, XXXX, XXXX ) and called the recipient bank ( XXXX XXXX ) multiple times. I called Chase Bank 's wire department every day for the first XXXX weeks, and called the consumer complaint department many times. I have called XXXX XXXX XXXX branches ( including the one where the account holder is ) as well as the general customer support. Chase has tried numerous times to contact XXXX XXXX XXXX. According to Chase, XXXX XXXX XXXX has not responded or even acknowledged receipt. Chase then closed the recall due to XXXX XXXX not responding. During a visit and a follow up call to Chase, I successfully reopened the recall case and asked to escalate. I also filed a complaint with Chase bank for closing the case after about XXXX weeks of it being opened. When I contact XXXX XXXX, they will not give much information since I do not have an account with them. They said they do respond to messages and are unsure why Chase would claim XXXX XXXX hasn't responded. I am also filing a police report and will be emailing the executive teams at both banks today.
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have been told by Bank America that they can help me with overdraft fees due to my financial circumstances which I have communicated that I am trying to get the account back to a positive balance I just needed help and if they can remove the fees that I was told that would help tremendously. After a death in the family mentally I was unable to work therefore, it resulted in all my bills being piled up and at this time I am currently trying to be current on all of my bills. I do not have other income besides myself. At one point i needed to seek XXXX  outpatient treatment due to the severity of a illness. Im trying my best to pay off all debts. Today iam asking for help that I was told. Im not asking for all fees to be removed. But Im being charged fees when I have communicated my financial hardship and I had to choose between eating or paying back a debt. I will pay this debt I just need help. Im also now being threatened that they will close out the account charge it off and report me to XXXX XXXXs because of financial situation. I have not ever been in this position its very hard.
Consumer complaint received 2019-12-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NM)

On XX/XX/2019 I disputed an account on my credit report with a factual error with XXXX  / XXXX XXXX which came back verified even when I have a letter from the creditor in dispute that I will attach to this dispute saying that the account is no longer with them, so then how did EQUIFAX verify this?????? EQUIFAX has failed to do a proper investigation. I demand that EQUIFAX provide the method of verification under section 611 of the FCRA or delete this account immediately
Consumer complaint received 2021-11-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

I made what I thought and confirmed with operators assistance my last payment of {$470.00} confirmation # XXXX XXXX! Then they sent me another bill XXXX for additional payment of {$440.00} and I immediately called and asked what is this is for when I have paid them my payoff amount? And she says you owed this more amount and I asked why and they couldn't give no descent answer. I talked to XXXX people with no descent answer my records show that I did meet my obligations, that I hope to show you with process! I did pay the remainder amount because I didn't want to mess up my credit!!!
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ENTERPRISE FINANCIAL SERVICES CORP ()

Enterprise Bank & Trust XX/XX/2023 my bank debit card was " skimmed '' and unauthorized access used on account. I contacted as soon as bank opened next morning and was passed around via phone. I went to the XXXXXXXX XXXX XXXX branch where I was treated very poorly and talked to like I was lying. Come to find out a MAJOR data breach with skimmers in this area and many many people affected. I continue to reach out after 2 weeks to get funds back or the NSF charges reversed and they say " we will '' but NEVER do. 
XXXX ) Why have the bank customers been notified of the breach? 
XXXX ) Why did the bank not have security in place to notice accounts taken to XXXX balances? 
XXXX ) Why did they judge me because I am not " pleasing '' to the eye and have a southern draw? 
XXXX weeks with a KNOWN issue to customers to issue refunds or notify customers of issues. 
The bank is Enterprise Bank & Trust. IMO the worst bank ever. People are rude and mean but 200 percent better than calling the toll free number. I am not going to get into the online banking down 8 hours a night or the old school take out before deposits to get the NSF fees.
Consumer complaint received 2023-08-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Phoenix Financial Services LLC (KS)

I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the XXXX signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.
Consumer complaint received 2021-11-19
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (WV)

I'm a closing attorney. I need to receive a payoff of a reverse mortgage from XXXX for an upcoming closing. I sent a request for a payoff for an upcoming closing on XX/XX/2021 to XXXX. I have not heard anything back. I attempted to call and was on hold on XX/XX/2021 for 2 and 1/2 hours. I attempted to call on XX/XX/2021, and waited an hour and no one picked up. This closing is scheduled for XX/XX/2021. The borrower has lost out on 2 potential previous sales of the property due to lack of payoff information. The previous closing attorney has been waiting since XXXX for payoff information.