davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (ME)

I had a modification with Flagstar Bank in XX/XX/XXXXwith my then Husband, in XXXX we were divorced and I applied for another modification on my own. I went to court and Flagstar took forever missing documents and everything else. My house almost foreclosed and 2 weeks after court they called me at work and said they could help. For the beginning I said I need my ex-husband off of the modification and they said not a problem. I signed all the documents. I had lots of questions when I got the paper work and no one would call me back or answer my emails. The modification paperwork came in and The breakdown of my trail payments had myself and my ex-husband. The modification agreement has us as a husband and wife with me signing as the borrower. My ex deeded the land to me because Flagstar asked that of him. They also had a letter from my ex saying he has n't given any money towards the mortgage since XXXX. New gave me a new principal balance then added on a XXXX promissory note in my name only as the borrower. With the already new principal balance of XXXX. So I went from a current unpaid balance of XXXX to XXXX + XXXX = XXXX. I am so upside down on this modification that I ca n't do anything and to top it off they only asked for my income my ex was not involved and Flagstar knew he needed to come off the note from XXXX. This paper work is so screwed up and they wo n't do anything for me. Can someone help or tell me what to do. My name must have come up for the class action lawsuit because I received another check this past weekend. PLEASE HELP ME OR SHOW ME THE WAY!!!
Consumer complaint received 2022-01-27
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: Paypal Holdings, Inc (WA)

My PayPal Business Debit card was stolen. On the morning of XX/XX/2022 between XXXX XXXX it was used for 4 separate transactions at XXXX # XXXX in XXXX, WA. I immediately followed PayPal 's policy and opened a dispute for each transaction in their resolution center ( 4 total ) and filed a police report. On XX/XX/XXXX PayPal closed one of the disputes with a denial ( for the transaction in the amount of {$250.00} ), claiming the card was in my possession ( 2 of the other disputes were closed in my favor on XX/XX/XXXX and the remaining one is still pending. ) Their reason for denying my claim is wrong and does not make sense. XXXX has video footage of the transaction, and my apartment complex also has door access logs and video proving I was home at the time. I explained this to PayPal and attached the police report. Also, the transactions in question were only minutes apart, and the one they denied my claim for was the last one to occur, at XXXXXXXX XXXX. So by denying that case while accepting 2 others, PayPal is claiming they agree that the card was stolen and used fraudulently, but that somehow I had it back in my possession minutes later and made an authorized transaction, which is not logical at all. 

PayPal refuses to explain their specific reason for denial or connect me with anyone who made the decision. They will not let me appeal unless I have more documentation to add, but also won't tell me what evidence they have or need, and the main evidence ( video footage ) is something they need to follow procedures with XXXX and my apartment complex to get.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I called Equifax and let them know that my credit report is showing the wrong person 's information on it and needed help fixing my credit report information. The gentlemen on the line told me that I was wrong and everything matched on my credit report. Not only am I looking at it in the computer but my refinancing company is questioning and requesting proof on accounts that are not mine, I called one of the credit cards on file and they verified that it was the wrong XXXX. My date of birth, addresses, social security number, jobs, loans everything is mixed with someone who has the same first name but different everything else. He refused to help me so I had to file 9 different requests there were too many for me to file all on line. I sent a copy of my ID, SSN to show them they have the wrong information. They sent me a letter with the other person 's information telling me the problem is fixed. Yet, all the information remains mixed up. I need assistance in fixing my credit report it's messing up my credit and delaying my refinancing.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: PREFERRED CREDIT INC (FL)

I have been disputing the late payments showing on my account for PREFERRED CREDIT INC which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Consumer complaint received 2021-05-17
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: CITIBANK, N.A. (CT)

I ordered a XXXX present ( Laptop ) for my daughter that was supposed to be delivered on XX/XX/2020. I only opened the Best Buy Credit Card to receive the extra discount on the laptop. I never received it. This item was supposed to be signed for on delivery. When I checked with XXXX  I was told it was left at the front desk, I live in a house. I contacted Best Buy they stated their was nothing they can do, so now Im being charged to pay for something that someone else is enjoying.
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Transunion? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-27
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: Experian Information Solutions Inc. (NC)

On XX/XX/2021, I sent letters to consumer reporting agency requesting that they cease the reporting of XXXX accounts noted on my consumer report. Along with that letter, was enclosed supporting letter from the court that acknowledged that the court DO NOT report to the consumer reporting agency. It is clear that the accounts noted on the report did not report that information and that the consumer reporting agency accepted or paid for stolen information on me. The agency claims that the account was verified and will remain on the report. That is either a lie or an error. The agency has failed to release its source of verification and I have not given any company permission to report this private information. The consumer reporting agency has chosen to violate my consumer right to privacy, and report information that is unfair and inequitable. Its reporting has added severe stress and is causing me physical and mental anguish. I am being taken advantage of and it is making me ill.
Consumer complaint received 2022-01-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lending Club Corp (AZ)

Lending Club Bank is attempting to collect an alleged debt that is unvalidated pursuant to 15 USC 1692g, furthermore Lending Club bank gave me no notice of my right to dispute the alleged debt pursuant to 15 USC 1692g ( XXXX ). I am the consumer and the only one that can validated my obligation to any alleged debt pursuant to 15 USC 1692g. I have request that Lending Club Bank cease and desist all communications with me in relation to the alleged debt pursuant to 15 USC 1692c ( c ). I also request that the name and address of the original creditor to whom the alleged debt is owed pursuant to 15 USC 1692g ( b )
Consumer complaint received 2022-01-27
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: Affirm Holdings, Inc (MI)

I was in the market for a mattress and I came across and offer to use affirm to purchase it. I then filled out the application online and it told me I already had an account. I contacted affirm and the confirmed the email address and the debit card being used to make the payments before the default of payments is not mines. Then after their investigation they came back and told me I'm still liable for the payments of something I didn't receive and have no knowledge of. I've contacted the company several times, filled out police report and their identity theft/fraud form.I still have gotten no results.
Consumer complaint received 2022-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NV)

I requested XXXX XXXX to be canceled XX/XX/XXXX. I had {$0.00} balance on my account. I moved and kept equipment to possibly reactivate service at new address. Apartment management said no equipment can be attached to the building. It took several months to get the response from apartment management. I was contacted by XXXX XXXX XXXX by mail and phone. We discussed the amount owed and that it is for the equipment I had not returned. I returned all equipment XX/XX/XXXX. I still received statements through USPS requesting I pay the account balance for the equipment. I contacted XXXX several times telling them I had returned all eequipment.I emailed copies of the returned equipment shipment invoice. The charge still wasn't removed from my account. I spoke to several customer service agents and I was told by one agent that the equipment has been received but not entered into my account file. The agent assured me that the account would be updated and the balance would be removed. I received another phone call from XXXX again requesting me to pay the amount due and that it is now because the service was not deactivated as I requested by phone on XX/XX/XXXX. I no longer had service and also the equipment was packaged and still in moving boxes. The problem is now after XXXX received the equipment, the amount said due was now for service apparently not deactivated as I requested on XX/XX/XXXX. XXXX  can access the account to see that the service was not being used. I would not move to a new address without deactivating service knowing I would continue being charged monthly. Please if someone can help resolve this incorrect information as it has affected my credit score significantly. The account was supposed to be closed and I I returned the equipment as requested and the amount due was supposed to be removed and the balance should be {$0.00}. Please respond with any help and or advice regarding this dispute. 
Thank you, XXXX XXXX
Consumer complaint received 2022-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (CO)

On XX/XX/2021 i was victim of a fraud where i tried to reach out XXXX customer service and ended up calling a spoofed number XXXX XXXX XXXX that presented to me as XXXX but it was a fraudsters call center. They also gave me the number XXXX XXXX XXXX. 

I asked that i wanted to process a return and they induced me to use XXXX setting up a recipient on my XXXX account to emails below : XXXX XXXX I ended up sending {$1300.00} to XXXX with transaction number XXXX. I have a police investigator working this issue ( Police report : XXXX ) and requested XXXX to provide the recipient bank that resulted to be Regions bank in Alabama. Police is asking now Regions bank to give details of the account owner that received the funds and we request to have the funds returned because they are fraudsters and they are stealing money from people.
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo fails to honor any debit purchases because of illegal identity requirements and blocking Debit card usage! The Pin is NOT enough for Wells Fargo to process a transaction! They wrongly withhold or block my purchases stating they need further verification above and beyond pin to make a purchase! That is incredibly stupid and corrupt! The pin IS WHAT Identifies the cardholder is the account holder! They do this intentionally to illegally freeze funds in an account and improve their asset allocations and standings! They refuse account holders their rights to their own money and force situations into day and week-long struggles that improve their superficial outlook and is really fraud! Wells Fargo Executives are corrupt and design ways to gain from account holder 's assets against their will! They are criminal and you have knowingly let it continue after thousands of reports have been filed against them! The FTC is a BIG part of the problem! YOU need to take action or report to law enforcement agencies that can and will take action against these crooks that call themselves a bank! Get the FBI or whoever you need to arrest these criminal executives and put them behind bars! Millions of Americans are wrongfully, and intentionally led to great loss by this institution, and it is time you held account holders with a greater regard than the corrupt banker! Wells Fargo does not abide by law! It is time to start arresting them like you would a bank robber! The bank is the robber in their situation!
Consumer complaint received 2022-09-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

XX/XX/26 received email from Chime that my account was terminated. 

My savings account has over XXXX XXXX I emailed 3 times to the support email offered and XXXX response. 

I used another persons chime XXXX  to access contact chat as I cant access my account anymore, in order to actually speak with a person. 

The person was rude and unhelpful. He could not tell me why the account was closed. He told me the best he could do was expedite an email. So I resent an email and he said he expedited this was 8-9 hours ago and still no response. 

He also told me my money would be returned after 30 days. When questioned if it was safe to send a check that large he got snippy and said maam, youll get your money I also inquired about what they do to protect that large amount traveling through mail and again, got no answer. 

I have reached out to XXXX as well. 

I just want my account unlocked so I can transfer my money to a safe account. 

I feel like Chime is committing fraud and I would like the company to be investigated.
Consumer complaint received 2022-01-27
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. (NY)

XXXX is reporting the foolowing cases as removed when they are not and is being reported as open and duplicated muliple times on a continuous basis. 
The followibg acconts are : XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX These accounts are being reported as removed and the are clearly not deleted and being reported as open monthy and nor removed. Some of the above are reported also a removed and missed payment and continues to be reported on my XXXX, Transunion and XXXX credit profile and being reported to credit services who profit of old information.
Consumer complaint received 2024-03-08
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. (ID)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

The company has repeatedly called me and has called me in the past with incorrect information. 

Most recently they have started calling at around XXXXXXXX XXXX and XXXXXXXX XXXX, and now finally at XXXXXXXX XXXX when they were previously calling mid-afternoon to early-evening. 
The late calls are very inconvenient as blocking the number does not prevent them from calling me, they just call on a new number.
Consumer complaint received 2022-01-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Cottonwood Financial Ltd. (WI)

Cottonwood Financial DBA The Cash Store XXXX denied loans and attempted to collect on a debt that was discharged in a XXXX XXXX Bankruptcy. 
XXXX XXXX Collection attempts were made post discharge on a related third party. 
The third party was denied a loan based on the Bankruptcy discharge of a related family member, the collection attempt was made at the store and by phone. 

Collection attempt was made at the store in XXXX XXXX, WI when a new application was submitted. 

Bankruptcy is a civil right which Cottonwood Financial/The Cash Store chooses to disregard.
Consumer complaint received 2022-01-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC. (FL)

NOTICE YOU BROKE THE LAW To : XXXX XXXX XXXX XXXX, XXXX XXXX President On XX/XX/22 I, XXXX XXXX a consumer received a letter from XXXX BANK stating that they sold or has been used or transferred my personal information or shared my financial information with another corporation or entity without my written consent or authority. Pursuant to 15 USC 1681g ( XXXX ). I am a victim of Identity Theft caused by XXXX BANK Racketeering activities and unfair business practices and may be liable under Title XXXX crimes and criminal procedure. Pursuant to 15 USC 1681 ( a ) ( XXXX ) Congress made it clear that the banking system is dependent upon my consumer report being fair and accurate to me. Congress also made it clear pursuant to 15 USC 1681 ( a ) ( XXXX ) that consumer reporting agencies ( EQUIFAX ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You ( EQUIFAX ) allowing XXXX BANK to furnish inaccurate, unverified accounts along with selling or transferring my personal identification or financial information makes me the consumer, a high-risk Victim for Identity Theft. XXXX BANK actions have caused me to lose confidence in the banking system as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as a result. If you would like to do business with me, I am demanding that ALL XXXX accounts be removed or deleted from my consumer file and consumer report IMMEDIATELY or be subject to Civil and Criminal actions pursuant to Federal Laws. 
See EXHIBIT A, EXHIBIT B and EXHIBIT C for violations pursuant to Federal Law 15 USC 1681g ( XXXX ). 
Regards, XXXX XXXX Copy to : Federal Deposit Insurance Corporation ( FDIC.GOV Consumer Complaint Department XXXX Federal Trade Commission ( FTC.GOV Consumer Complaint Department )
Consumer complaint received 2019-01-16
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)

This account was already blocked by the FTC and outlined in my complaint the charges showing as charge-offs are not only incorrectly displayed but also the result of unauthorized charges the account was closed behind me because of it and the deposit held for the remainder of the charges by the bank