davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (PA)

Ive had issues with this agency since XX/XX/2021 when it was first reported on my credit. Ive filed the dispute twice and they claimed they could verify that is me, which isnt factual. However this has damaged my credit severely and I wanted it gone, so I paid {$800.00} on XX/XX/2021. I was told that it would be deleted in a matter of 2 days once I received the letter stating it has been paid. I contacted the credit bureaus ; XXXX  and XXXX  to delete it and I was told that even with the letter that they would have to wait on the agency to send it. I then contacted the agency and they told me it would take 30 days. I was under the impression that if I paid it would be deleted immediately not 1 month or more.
Consumer complaint received 2022-06-13
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: Experian Information Solutions Inc. (IA)

In XXXX of XXXX I filed a dispute with Experian by submitting a letter asking them to verify the accuracy of an account with XXXX Dispute # XXXX ( Account XXXX ) and I also advised to send me the original contracts used to verify the legitimacy of the account. They never sent information that was used to verify the account. 

In XXXX of XXXX another dispute was filed advising the same as before.. nothing was sent and the account remains. I do not owe this company and its preventing me from obtaining housing. Please get this issue resolved so that it is removed. Thanks.
Consumer complaint received 2018-12-06
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018 I ran an ad in XXXX to sell a restaurant table. I received a request from a person named XXXX via text, ph # XXXX. He said he would pay me {$400.00} for table, XXXX to go to a shipper. Yesterday I received a XXXX with a cashiers check from XXXX XXXX XXXX. I deposited the check into my checking account at Chase bank in XXXX CA at the XXXX XXXX and asked the teller if there was a hold on the check or if there was anything wrong with the check. She stated there was no hold and everything was fine. The sale was then cancelled and I deposited {$1500.00} into the shippers account : Chase bank, XXXX XXXX acct # : XXXX, checking and then was asked to XXXX XXXX the remaining {$300.00} to a XXXX XXXX from XXXX AZ, ph # XXXX or XXXX XXXX XXXX XXXX XXXX, XXXX AZ. 



When I went to check my statement this morning I learned the Cashiers Check was on hold and after calling the bank they said the check was being returned to the bank and would not payout the funds which means I lost {$1800.00}. My chief complaint is that when I asked the teller if the check was good she said it was, she never mentioned the slightest possibility that there would be a hold on it. If I was told that I never would have gone through with the transaction
Consumer complaint received 2018-04-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (VA)

On XX/XX/XXXX I took out a loan for XXXX. I called today which is XX/XX/XXXX to find out what is my payout amount and date since they have taken the information off their website. At first she told me that I had 2 more payments and the last payment is on XX/XX/XXXX, I told her that that does not equal to 2 payments, that equals to 4 payments, then she changed and said the last payment is on XX/XX/XXXX. I requested to see the documents but they are telling me they are going to forward it to another department and I should receive the information via e-mail sometime today or tomorrow. There is a lot of inconsistency with the business attempting to get more money from me. Again, they have blocked me from seeing the information online on their website, such as the loan documents, ect. I just went on their website and at the bottom I noticed is states that it don't give loans to people in Virginia, Well!! I am in Virginia. something is not right with this company!!
Consumer complaint received 2018-12-06
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: Capital Accounts, LLC (TX)

Capital Accounts received disputes 3 disputes for the account entry reflected on all of my bureau reports. In my previous correspondence to them, I have requested that they prove the debt they placed on my credit reports and alleging I owe, is indeed mine. This account is not mine. I never received a dunning letter nor any correspondence from them notifying me that they were attempting to collect a debt. My requests specifically requested that they provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable as well as complete accounting of alleged debt. To date, to no avail. Additionally, my third attempt at communicating with them, I requested a copy of the financial responsibility page, copy of signature with the provider of service to release medical information and for any bureau reporting to cease until the debt had been validated by me. Again, to date, to no avail. This erroneous, inaccurate, unverifiable entry on my reports is violating my consumer rights and has caused me denials for credit. Please see attached documents that reflect my numerous attempts to communicate with this company. 

DELETE THIS ENTRY IMMEDIATELY AND SEND A FULL, UPDATED COPY OF MY CREDIT REPORTS THAT REFLECTS THE AFOREMENTIONED OUTCOME.
Consumer complaint received 2018-04-10
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. (MD)

I was interested in tickets to a XXXX  XXXX basketball game. I searched on line on XX/XX/17 and found 2 tickets that I was interested in for {$160.00}. I provided my credit card information to the seller and discovered that the tickets were available only electronically. This was not suitable since the tickets were a XXXX gift. I then declined the tickets. I have an email from the vendor stating " You have declined the ticket ( s ) offered by XXXX XXXX. This offer is no longer valid ''. I was surprised to see that I was charged {$160.00} when I received my credit card bill. I disputed the charge with the bank and my claim was denied. I appealed to the bank and my claim was again denied. The bank states that " we can't confirm you're due a credit because the merchant has no record of you cancelling the request within policy guidelines ''. The merchant 's policy is that orders can not be cancelled. I contend that the offer for tickets was declined, so that there was no order to be cancelled. I spoke by telephone with the bank, and their supervisor explains that the bank can not refund the {$160.00}.
Consumer complaint received 2022-06-13
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. (FL)

I, XXXX XXXX Consumer and natural person, am aware of all rights that I have and which are protected by the congress under the fair credit reporting act ( FCRA ). The list of Accounts Below has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name- XXXX XXXX Account Number- 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 report agency can not furnish A account without MY WRITTEN instructions
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (CA)

Mercedes benz financial has reported a 30 day late on my credit report and it is in error. I was not late with the account payment. I kept explaining to them that their reporting on my credit report was incorrect. late amount is {$1900.00} in XXXX 2022. 

15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :
Consumer complaint received 2022-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

My mortgage loan with Caliber was transferred on XX/XX/22 to XXXX ( XXXX XXXX ) with only XXXX weeks notice. I am currently receiving assistance with 18 months of forward payments from the XXXX program which they are aware of. Furthermore, I do believe this is the reason behind being transferred to their affiliate company. However, I did reach out to XXXX and advised them of the transfer and provided them the letter received. My loan # XXXX remained the same. My payments are supposed to be trans to XXXX for up to 60 days received to Caliber. The payment from XXXX for XX/XX/22 has yet to be sent to XXXX causing me to fall delinquent. I am very concerned as this is ultimately in my opinion the reason they transferred the mortgage., to cause more issues. I have heard XXXX is their affiliate company who handles delinquent mortgages. XXXX payment was sent out on XX/XX/22 and has yet to be posted or trans from Caliber and XXXX payment will be sent out on XX/XX/22. No explanation from XXXX as to why or where. No information pertaining to HAF assistance was related to XXXX.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (AZ)

I paid off a Barclays credit card. It was applied to the incorrect account. I now have a negative balance and the card that was supposed to be paid off still has a balance. I called Barclays and was told that the only way to correct this was for them to send me a check. I have waited over 3 weeks. In the mean time, they are charging me interest on the card that was to be paid off and holding the {$1500.00} dollars. According to customer service, the check was never sent. Today I have been on hold for XXXX  minutes only to be told that the system is " down ''. I asked to be sent to a supervisor and I'm still waiting. This is fraud. They are holding {$1500.00} and charging interest on the other account. I can not talk to anyone who can help. Please help me fix this.
Consumer complaint received 2021-11-19
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 ()

I have gotten an email from paypal today XX/XX/2021 that my account has been permanently block and they closed it because I have " violated user agreemnts '' and I didn't do anything new that might be considered as a violation of the user agreements the main problem is that I hold XXXX XXXX dollars on that account and my online business is going to be shattered if I dont get that money back
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given u written unwritten verbal and non verbal per 15 USC 6802. 
Upload to cfpb have u tried to remove : yes For inquiries use 15 USC 1681 permissible purposes : 16 cfr 313 privacy of consumer information
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Equifax says they have not received any information from first federal since XX/XX/XXXX Other reporting agencies have revived the XXXX file from first federal and updated accordingly Spoke with XXXX XXXX ( XXXX ). And he says Equifax doesnt have any information from them since XX/XX/XXXX.
Consumer complaint received 2018-04-18
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. (NC)

On XX/XX/XXXX, I sent in a request to the credit bureaus to investigate errors on my credit report. Over 30 day have passed, and I have yet to hear back from them.
Consumer complaint received 2022-07-21
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: ALLY FINANCIAL INC. (IN)

15 USC 1681 Section 602 A. States I have a the right to privacy.

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

15 USC 1692C States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collect may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692B States that they may not use any language of symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Consumer complaint received 2022-06-13
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: BMO Bank, N.A. (LA)

Someone tried to an open account on XX/XX/2022 and XX/XX/2022 with my personal information and it wasnt me. It was identity theft and fraud. Ive contacted the credit bureaus, and I put a freeze on my credit. Ive also contacted identifytheft.gov. My next step is to get a police report.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : U.S. DEPARTMENT OF EDUCATION Account # XXXX, Account Name : U.S. DEPARTMENT OF EDUCATION Account # 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 2021-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NY)

Herein is my Response to Wells Fargo 's answer in aforementioned Case ID XXXX Respondent to the aforementioned complaint, XXXX XXXX of Wells Fargo Executive Office , continues to ignore any and all calls and voicemails to her direct number XXXX, I called on Monday XX/XX/2021 and left voicemail to return my call, no response, I called again on XX/XX/2021 and left voicemail to return call, *zero* response to date, all calls are unanswered and go straight to voicemail. Wells Fargo refuses to provide the required 12 character code " XXXX '' as XXXX supervisor informs me : without 12 character code beginning with " XXXX  '' Im unable to report the scam on XXXX reporting service Wells Fargo keeps providing me an invalid 10 character code to use with XXXX Reporting Mechanism. ( Please see enclosed attached evidence captured from XXXX XXXX XXXX as indicated in the evidence under Payment ID : XXXX Mandates all financial institutions to provide a Payment ID that is 12 characters long. 
I remain outraged that Wells Fargo closed all ( 3 ) three previous claims *before* providing the outcome of the receiving institutions action or inaction on the case, Wells Fargo is not informing me of the action or inaction of the receiving institution, Wells Fargo is not informing me what time frame to expect receiving institution action or inaction.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

on XXXXBank of America closed my checking account I had just had a direct deposit placed in the account I also had another transfer go into this account on XX/XX/2022. I contacted to ask why had the account been closed I had already filed a claim in regards to suspicious activity the first Bank of America rep told me she didnt know a few times and told me she was the only one who could resolve the issue she then offered to transfer me to customer service knowing they would not be able to help I explained I have 3 children and Im losing my home due to this issue I was already late on rent that deposit was supposed to keep my home they did not care. I called again the next day spoke to a rep who advised me the account would be closed on XX/XX/2022 a whole month and some days later I again asked why and they would not provide any information I called again later that day and again could not get some much as an answer besides it would be closed on the XXXX of XXXX after review it does not take a month to review an account and still have not received a letter or answer by phone as to why.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NC)

Closed the account in XXXX. Have faithfully made payments and brought balance down. Asked for a settlement amount because I have paid debt and now only have fees. Fees have taken balance that was below XXXX back up above XXXX. This is extremely unfair treatment since I have paid the debt and wish to have the account closed. Called today and was given an extremely difficult time while attempting to get a pay off amount. XXXX XXXX refused to do anything except ask me if he lowered the monthly fee could I pay. The answer is no. I have paid that debt and now they are just ruining my credit for fees and extras. Furthermore how is it even legal to refuse? Even, ore insulting was his repeated question as to why I could not afford to send them XXXX dollars per month. This economy is horrible. We are surging from a pandemic and he thinks I should pay XXXX dollars a month for life! How can it not be paid in full since XXXX? I have paid them even lump sums!
Consumer complaint received 2022-10-20
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXXXXXX : {$4100.00} XXXX XXXX : {$3400.00}
Consumer complaint received 2021-11-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tesla, Inc. (NJ)

Earlier this year in XX/XX/2021, I entered in a Solar Panel installation contract with XXXX where the Company executives and Sales person said they will install Solar Panels and will power them on so i will have relief towards my Electricity bill. And for that they enrolled me into a contract. They have installed Solar Panels since XXXX months now and they are totally unresponsive about completing my project on time. Right now the solar panels have not been turned on, my advisor is not in touch with me since months and their customer support does not give any definitive dates when the project will complete. In fact i am being told that there are many customers to handle so we can not do anything and i am working with totally unresponsive people. Meanwhile my loan has started i am paying 'Interest ' on the loan for Solar Panels which are not functional. XXXX  also unduly charged my approx XXXX for electrical upgrade but it was not required and not done. That amount is also included in the loan which i am paying interest on and XXXX would not reimburse the amount until solar panels are turned on which is currently indefinite. 

I am paying a loan for a solar panel product which is stuck in indefinite timeline with unresponsive XXXX and i am paying interest on the loan plus XXXX of electrical upgrades which i never required and was not done by XXXX at all. So i am having to incur a lot of extra charges due to XXXX XXXX mismanagement and non-transparency.

Since april the solar panels have been installed and there is no attempt to expedite or provide clarity on multiple calls, emails that i have sent them. I am requesting them to reimburse XXXX $ right now so i dont pay interest on it and also that they must reimburse me for the delay in project as well as the interest i am paying for my loan unduly. I should not be charged loan amount until solar panels are functional ideally. It appears to be cheating and mismanagement to get people on loans and not start their solar panels. This is totally unethical.