davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I received a XXXX XXXX XXXX XXXX which led to XXXX XXXX XXXX after my XXXX XXXX XXXX of almost 2yrs. It was towards the end that my Servicer was told by Bank to recall the note and STOP accepting payments which they did. I have an electronic trail of their rejection and receiving of my continuous months, years, decades prior. 18 years Ultimately, they did Foreclose, ( reason used was I ABANDONED my property while I still lived therebWAS ON IT. XXXX, Not XXXX  XXXX, but my physical body was AND all they took my home. And sold it while I was in it the VERY SAME DAY a Tuesday. 
Sheriff came and New owners KEPT EVERYTHING I OWNED after living there over 18 years, including my pets! Putting me a XXXX  person out on the street to walk away, me not knowing anything. 
As My immediate family had began to pass away a couple years prior to my XXXX  XXXX, the rest of my immediate family at the onset of my XXXX  XXXX, then up thru my first thru 6th quarters of my XXXX, XXXX, Leaving me all alone with no where to turn. It was only the fact I was on auto payments that they did not have a real cause to Foreclose. I had been on auto pay for everything because was most convient. 
I was raised by my grandparents but knew and visited regularly my biological parents as they began to pass first before my Injury. As I couldn't even think to go to my adopted parents funerals. As I was not only in shock but still in shock at this happening now almost two years ago. But now I am able to think and realize this has got to be wrong. They took my home and EVERYTHING I OWNED BY NEW OWNERS. I had valuable stuff as my extra homeowners insurance can show and I had EQUITY. I'm still basically out in the heat and cold waking up to a nightmare reality. 
PLEASE SOMEONE WHAT CAN I DO?
Consumer complaint received 2021-03-22
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 (CA)

Paypal closed my account for no reason and nobody can help me out, there are never any representative available, they held the money for 180 days since XX/XX/XXXX and it over already, my children need help from me, and i really need this money back to me, this is my email : XXXX and the Reference ID : XXXX
Consumer complaint received 2021-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current (FL)

Hello ... I have a mobile banking account with an online banking company called Current. My issue is that there was an unauthorized charge to my account of {$390.00} from some travel company called XXXX ... I filed a dispute on that unauthorized charge on XX/XX/2021. Turns out, on XX/XX/2021 I get an email from the mobile bank Current saying that my dispute has been closed, with no errors found, and therefore no credit will be issued to me. The bank ruled in favor of the unknown merchant, nor did I not find any further suppport from this bank and they just will not do anyyhing further, and I unjustly lost {$390.00}.
Consumer complaint received 2017-03-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GOLD KEY CREDIT, INC. (FL)

I have XXXX charges of XXXX from Gold Key credit XXXX medical bills. 

I opted to pay off these stated debts as this debt collector has been submitting these debts upwards of 5-7 years old as new debt month to month causing ongoing detriment for years which far exceeds the value of the debt. 

IN contacting Gold Key, THEY agreed that paying off the XXXX debts they would fully remove the debt from my credit. 

According to my bank statement, this was paid in full on XX/XX/2016 in the total amount, {$130.00}. 
PURCHASE AUTHORIZED ON XX/XX/XXXX GOLD KEY CREDIT ( XXXX XXXX FL XXXX CARD XXXX To date, the promise from Gold Key to remove this debt has not been fulfilled as it still shows on all credit reporting agencies with mis-leading, false or inaccurate information.
Consumer complaint received 2019-12-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Gordon, Aylworth & Tami, P.C. (OR)

On XX/XX/2019, I returned by mail with receipt the written interrogatories that the company sent me. Included in that was my sworn statement that I was NOT employed and that I was receiving Social Security XXXX 

On XX/XX/2019, I received a notice of garnishment from the attorney that is the subject of this dispute. I called and talked to XXXX and then to XXXX, explaining that I had not worked for the company listed for almost a decade and that the ownership had changed. XXXX told me that he had information that I was currently employed by the company. I said I would like a copy of that information as I had just made a sworn statement that I was not employed. I asked if they intended to take me to court for perjury since they claimed to have proof that I was employed and XXXX said No. 

I live in a small town and I don't think that this debt collector should be able to contact people that I previously worked for and issue garnishments for wages, which is informing people, that are NOT my employer, that I owe a debt.
Consumer complaint received 2024-04-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Skrill USA, Inc. (AR)

I made a deposit in the amount of {$100.00} XX/XX/XXXX  and my account was immediately restricted. I was unable to send the money to my friend who needed it immediately. I was required to submit my identification and biometric data and instructed to wait 72 hours in order for me to gain access to my money why did they do this right after a deposit and why didn't they do it at the beginning when I set up the account why do they hold my money unnecessarily it seems to me very inconsiderate. I should have done my due diligence I can now find numerous complaints in every place XXXX XXXX XXXX  Consumer Finance Bureau everywhere that they've been doing this to people and then closing people 's account are not even giving them access to their money this seems very very shady and something needs to be done about it
Consumer complaint received 2021-07-28
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: Experian Information Solutions Inc. (TX)

XXXX XXXX is the definition of a predatory lender and should be closed down. The company violated every consumer law possible. I have listed the violations : 15 usc 1692b ( 2 ) 15 usc 1692b ( 5 ) 15 usc 1692 c ( a ) 15 usc 1692c ( b ) 15 usc 1692c ( c ) 15usc 1692 d ( 2 ) 15 usc 1692d ( 5 ) 15 usc 1692 e ( 2 ) ( a ) 15usc 1692 e ( 7 ) 15 usc 1692 f ( 1 ) 15 usc 1692 j ( a ) 15 usc 1666 d ( c ) 15 usc 1692h lawful refund of payments
Consumer complaint received 2021-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is the definition of a predatory lender and should be closed down. The company violated every consumer law possible. I have listed the violations : 15 usc 1692b ( 2 ) 15 usc 1692b ( 5 ) 15 usc 1692 c ( a ) 15 usc 1692c ( b ) 15 usc 1692c ( c ) 15usc 1692 d ( 2 ) 15 usc 1692d ( 5 ) 15 usc 1692 e ( 2 ) ( a ) 15usc 1692 e ( 7 ) 15 usc 1692 f ( 1 ) 15 usc 1692 j ( a ) 15 usc 1666 d ( c ) 15 usc 1692h lawful refund of payments
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

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.

| The accounts below have violated my rights.

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

15 U.S.c 1681 Section 604 A Section # * 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 tem 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 ) ( a ) A person shall not furnish any information relating td a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
Consumer complaint received 2019-12-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd (DE)

I received a debt collection notice dated XX/XX/2019, in response to the letter I sent a letter within 30 days ( Mailed XX/XX/2019 ) ( proof of mailing ) informing the collector to cease further collection until the debt has been validated. I have asked them to send me a breakdown of how the charges were calculated and how they came up with the bill amount. They are to stop collection on the debt, including any reporting to the bureau 's. They have reported to at least one bureau which is continuing their collection efforts, which is against the law according to section 805c and 809b of the " fair debt collection practices act '' Please have the collection account removed until the debt has been validated through the proper legal means.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

I opened the account on XX/XX/24 and had no issues transferring funds from my XXXX account into this new savings account. On XX/XX/24 I tried to transfer {$1000.00} from the BMO Alto savings account into my Chase checking account and was denied the next day, following a complete account block due to fraudulent activity claimed by XXXX. The email was sent to me on XX/XX/XXXX, stating that my account ending in XXXX was updated to add an account freeze. There was a number provided on the email XXXX bit that was to XXXX customer service who could not assist nor lift the fraud block. I was then transferred over to the fraud dept where I waited XXXX minutes then was only able to leave a message. I called back and was helped by. XXXX who informed me that I needed to provide a picture XXXX and XXXX statement from my XXXX account to XXXX. I asked if she can send me an email so that I can make sure that I send my info to the correct email but she declined and stated she was not allowed to. I then reconfirmed the email address with the rep and decided to send out the requested info so that I can have access to my account/funds. I have yet to hear back, this whole bank seems fraudulent. How can they accept my funds so fast and easily but as soon as I try to transfer some funds, I am met with restrictions? Their website states, unlimited transfers and withdrawals w/o any fees or minimums. I am finding this very hard to believe and feel these bank needs to be investigated for falsely advertising and possible committing fraud.
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (IL)

I called Chase Bank on or about XXXX XXXX, 2021 to dispute a series of billing errors that I had with the XXXX XXXX & XXXX ( XXXX, TN ). I had a block of 5 reservations for my family as we were traveling for a funeral. Upon checkout, the hotel billed me {$170.00} x 5 as a no-show fee ( {$870.00} total ). I attempted to resolve these erroneous charges directly with the hotel and was unsuccessful after several attempts. I then called Chase to file the dispute. At that time, Chase advised me they did not need any additional documentation from me although I told them I had paid receipts from all 5 of the rooms. According to Chase they could see the full hotel charges for 3 of the rooms on my credit card ( in addition to the separate cancellation fees ) so this was sufficient documentation to move forward with the dispute. A few weeks later, I began to get letters in the mail from Chase indicating the cancellation fees ( 5 total ) were valid charges. When I re-explained that myself and guests stayed in all five rooms and that I had all of the paid receipts, they asked me to go to my local Chase branch to fax the receipts. According to Chase, they would re-dispute the charges. A few weeks later, I received mailings indicating the charges were still valid. When I called Chase to inquire, I was then told my dispute was beyond the 60-day timeframe. 

Chase did not properly submit my initial dispute with XXXX correctly when I first called in because they did not obtain the paid receipts that I had although I told them I had these receipts in my presence. As a result, the valuable time elapsed and I lost my dispute right. My initial dispute would have been a much stronger case if Chase would have obtained the receipts or provided the merchant with my credit card statements which showed the paid in full amounts. 

Chase 's internal dispute resolution process disenfranchised me from the opportunity to have the strongest case against the merchant. I was clearly was taken advantage of by Chase based on their internal process. I believe this was deceptive and abusive by Chase in that I did not have an opportunity to dictate that my initial dispute should have been submitted with all five of the paid receipts that I had when I initially called to file the billing dispute. This has cost me a total of {$870.00} ( {$170.00} x 5 rooms ).
Consumer complaint received 2021-07-28
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. (PA)

The companies involved is Experian, XXXX and XXXX. I recently request my credit report from free XXXX XXXX and it's a lot of aliases on my report, old addresses, phone numbers, old employment and inquiries that i never even made. The credit bureaus are reporting information that's not associated to my account. For instance, there's an address that's on my account that's 7 hours from my home address. All of these incorrect items are stopping me from getting a home, car, etc. I would like for the incorrect items on my report to go to it's rightful owner. The credit bureaus are using public record to look up my name and end up attaching someone else file to my credit report. Please investigate the negligence of the credit reporting agencies
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Dynamic Recovery Solutions, LLC (IL)

XX/XX/2021 : Dynamic Recovery Solutions XXXX called my employer and harassed me about a debt that I do not have knowledge of. 

I have asked them not to contact me previously, and now they are calling my workplace directly.
Consumer complaint received 2021-07-28
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: EQUIFAX, INC. (FL)

I wrote the three credit bureaus, XXXX Equifax and XXXX on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I looked over my report and noticed unauthorized inquiries3 and I want them removed. 

XXXX XXXX from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX Capital One inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX  XXXX inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from XXXX XXXX
Consumer complaint received 2021-07-28
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings (AL)

received an email from a lawyer saying i owe xxx.xx, they said they tried contacting me numerous times with failed attempts. it also states that they were going to withhold my checks and contact my job/references to let them know what was going on. they stated i had 12 hours to reply to set up payment arrangements if not then they would take me to court to pay xxxx.xx. i ended up contacting the said place & they have no record of any loans by me. also looked up address that was on email & found a phone number, decided to call & they mentioned that the address doesnt match where they are located. woman on phone said it was a scam & to report it to you guys.
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-07-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Mid-South Adjustment Co., Inc. (AR)

I sent an Affidavit of Truth stating that Mid-South Adjustment CO. and XXXX XXXX XXXX violated 15 USC 1692c ( 3 ), 15 USC 1692d ( 2 ), 15 USC 1692b ( 2 ), 15 USC 1692f ( 1 ), 15 USC 1692e ( 2 ) ( A ), and 15 USC 1692e ( 3 ). I would like to state that Mid-South Adjustment COXXXX and The XXXX XXXX XXXX have violated my rights as a protected consumer under 15 USC 1692.
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Orion Portfolio Services, LLC (TX)

This company contacted me via their various alliases. I asked them to provide a validation and they produced a letter from another company. I do not know this company never had a relationship with this company and believe that they are attempting to extort me for monies I am not responsible. They should not have my information and they are attempting identity theft. They have absolutely no reason to be contacting me as I have requested validation on XX/XX/2021 they sent a fraudulant email on XX/XX/2021 not only totally out of compilance of their governing bodies compilance and procedure but not validation of all requested information and keep attempting to defraud and educated consumer. Enclosed you will find all of my exhibits and invoice. My certified copy is enclosed as I know the legal progess starts in the mail.
Consumer complaint received 2019-12-13
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: Experian Information Solutions Inc. (FL)

My information was compromised and used to obtain unauthorized credit card accounts with XXXX  XXXX XXXX for {$2800.00} and XXXX  XXXX XXXX  for {$1400.00} which was never paid and caused my credit to take a huge hit and its affecting my ability to purchase a home for my family.
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Reached out to XX/XX/XXXX to try to settle on debts that are listed on credit report, but hey claim they have NO RECORDS of any file with my name on it. They said the same thing when i called them back in XX/XX/XXXX. I have tried disputing it but have been unsuccessful. 

All i am asking is for this to be removed from my credit report as soon as possible, especially since they aren't supposed to be placing negative items on consumer reports during covid. 

Thank you.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

I had a echecking account w wells Fargo 2 yrs and I put more than XXXX a month and every month they charged me {$10.00} that's was unfair it was unfair they was continue to take saying deposit {$500.00} XXXX put three time that still charge {$10.00}, I closed that account XX/XX/2021
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.