davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: TD BANK US HOLDING COMPANY (FL)

Buyer and seller entered into a contract to purchase real property in a common residential agreement. There was a mortgage contingency and the buyer chose TD bank to obtain a mortgage. Contractually, the closing date was to be XX/XX/2016. TD BANK issued a clear to close on XX/XX/2016. Sellers moved out and went under contract to purchase another home based on the contingency being removed. Closing was still delayed until XX/XX/XXXX because of various issues, but both parties had signed ALL required paperwork on XX/XX/2016, both the buyer and TD bank wired funds to the closing agent. However, TD BANK REFUSED T FUND THE LOAN BECAUSE OF " underwriting '' concerns. It is now 3 days later, funding has not yet been authorized, and the parties are not being told why, if it will get resolved, or when. TD BANK IS HOLDING at least XXXX families hostage and are not communicating at all.
Consumer complaint received 2022-09-06
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. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 2015-05-08
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (NY)

I 've defaulted on my Discover card payments due to being out of work. I have spoken to the creditor several times and advised them I will call to arrange payment as soon as I am back to work. 

At XXXX they called every XXXX days, which is fine. They began calling me XXXX times back to back, hanging up after XXXX or XXXX rings and then immediately calling back. This has happened XXXX times. This morning I was going to answer and they kept hanging up on me before I could. 

This directly violates FDCPA call frequency regulations, and the hangups are harassment.
Consumer complaint received 2016-01-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

i live on ssi and capital one let me have XXXX credit cards and credit XXXX gave me a credit card also payday loans gave me advance on my ssi knowing i couldnt pay it back im barely getting by and i will not be able to pay these debts then i was a victim of loan fraud XXXX called me saying he would pay off my debt if i first sent him a cash advance on all my cards well i did not send it because money gram said it was probably a scam you dont wire money to individuals only companies
Consumer complaint received 2017-10-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CO)

Chase has an issue understanding what an available balance is. When the consumer facing side shows an available balance, it apparently means unavailable in the Chase system in their benefit. On multiple occasions, including last night, my direct deposit is displayed in my available balance and then an hour later transactions are posted to my account, and despite the consumer facing side showing and available balance of {$1900.00} at approx. XXXX I was charged an overdraft fee at approx. XXXX for a transaction that displayed as being posted at approx. XXXX. I have been told by Chase that their system has no time stamp of when the consumer facing side shows the available balance addition of the direct deposit or the time stamp for when transaction are actually posted as being paid from my account. I find that excuse to be an insufficient explanation.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MD)

Hi, I submitted a request to have PMI removed from my conventional loan. Flagstar denied my request because they stated I was late even though my loan ( forebearance ) was covered under the COVID 19-Mortage Relief Act regarding negative reporting. The COVID19 Mortgage Relief Act states the following : ( 3 ) may not report any adverse information to a credit rating agency ( as defined under section 603 of the Fair Credit Reporting Act with respect to any payments on the loan that were due during the forbearance period, if such payments are made before the end of the 12-month period. ) ; and Flagstar refuses to use the information provided on my credit report regarding my on time mortgage payments as a means to approve my request for PMI removal. The information provided to the credit bureaus shows no late payments even though I was under the forebearance plan via Flagstar. Flagstar representatives assured me verbally before I accepted the forebearance plan that this action will have no bearing on my credit reports or any request to modifiy my loan via COVID-19 Mortage Relief Act. Based on the law, you can not use foreberance issues that fall within COVID-19 Mortgage Relief Act to penalize a borrower that is requesting the removal of PMI. 

I am requesting the removal of PMI ASAP.
Consumer complaint received 2016-09-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo Financial National Bank charged me XXXX in interest on a loan that was to be a promotion. I made payments for 6 months on this loan and was charged monthly interest and yet was charged from the time I originally got the loan. So Wells Fargo is charging me double interest on this loan, as a penalty. It is unfair that they are doing this.
Consumer complaint received 2016-09-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo employees withdraw funds from account to purchase personal items. when funds were deposited into account for loan payment, the balance did not decrease for several months. After receiving notification for payment not being paid, I personally went and discuss to employees that why are different Wells Fargo branches sending no payment notifications. They said not to worry everything is taken care of.
Consumer complaint received 2023-04-05
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 ; CPS XX/XX/2022.
Consumer complaint received 2022-09-06
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: Spring Oaks Capital, LLC (MD)

In accordance with the Fair Credit Reporting Act, Spring Oaks Capital LLC has violated my rights. 

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

15 USC 1692 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CO)

Transworld Systems Inc account # XXXX states I owe XXXX to XXXX XXXX XXXX 
Opened XX/XX/XXXX I don't have a contract with XXXX XXXX. My lease ended XXXX XXXX XXXX  I was out of the apartment XXXX XXXX XXXX 
Gave notice 90 days in advance. 
See notice attached.
Consumer complaint received 2022-09-06
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. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I HAVE PAID ALL MY BILLS ON TIME FOR 50 YEARS AND MAINTAINED A XXXX CREDIT SCORE, XX/XX/2015 I WAS HURT IN AN ACCIDENT AND DID NOT HAVE INSURANCE, ONE OF THE DOCTOR BILL WENT TO COLLECTIONS AND I DID SETTLE THE BILL, BUT NEVER RECEIVED SETTLEMENT LETTER, MY CREDIT REPORT IS AS FOLLOWS : DEROGATORY PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION TO SHORT PROPORTION TO CREDIT LINITS TO HIGHON REVOLVING ACCOUNTS TO MANY INQUIRIES IN THE LAST 12 MONTHS THE NUMBER OF INQUIRES HAS ADVERSLY EFFECTED THE CREDIT SCORE
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (UT)

I received a call, text and an email on XX/XX/2019 from Citibank regarding transactions made using my credit card. I spoke with a representative and she told me that I had transactions all over the world using my credit card. I requested to the representative to tell me the amounts and dates of the purchases, she told me one by one and I didn't recognize purchases done overseas. She said that all transactions were going to be cancelled and I won't need to be worried about anything. A few days later I found that a couple of the fraudulent charges were actually processed and paid for more than {$28000.00} so I called Citibank again. Citibank representative told me that the amount was going to be investigated. Among the steps that Citibank processes in this situation is to contact the merchant for proof of the purchase. They said in a few days I will receive a call from the investigator but it never happened. 
I called back to Citibank a week later and I spoke with a fraud supervisor and she told me that the fraud amount was still under investigation and it could take a while for the investigation to be completed. This amount in dispute is on my bill with a {$13000.00} amount due as a minimum payment. My credit score has dropped 150 points. I requested the fraud amount in dispute on my account with Citibank be given a temporary credit while under investigation which they said would be done in a few hours. This never happened. A week later called again and they told me that they had no record about the conversation that I had with the fraud supervisor. 

I made two questions to the Citibank representatives which they couldn't answer : Why are we dealing with this huge amount which is covered by fraud protection : why were they able to remove or credit the account with the other amounts in dispute and not this large one? 
How did a charge that was more than {$10000.00} MORE than my credit limit gets processed, approved, and paid?
Consumer complaint received 2015-05-05
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I called the lender and told them to take the money out three days later although they said they would do it they did not. This caused suck a huge strain on my bank account that I had to close it down. Now they say I owe XXXX and I will lose my job.
Consumer complaint received 2016-05-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Accounts Management, Inc (SD)

I contacted XXXX to get information on what debt they are collecting on. When I asked for them to send me whose debt they were collecting on - myself, my husband, or my son, and who they were collecting for and the amounts each they refused because they said they had already mailed that information out. They are trying to collect on medical bills through a small claims lawsuit.
Consumer complaint received 2020-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc. (IL)

Hello, Nation Wide Credit Co has made a fraudulent credit reporting on my credit report thereby damaging my credit score and access to credit. The accounts that were reported under my name to the credit bureaus do not belong to me. I have NO KNOWLEDGE NOR I HAVE EVER RECEIVED ANY SERVICES mentioned on the debt. I have attached three pictures of the debt accounts. These accounts were reported to credit bureaus on XX/XX/XXXX but the company did put negative remarks on my report going as far back as XXXX thereby immensely damaging my credit rating and score.
Consumer complaint received 2016-05-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

In XXXX 2015 my wife was in an a single care auto accident which cause over {$40000.00} in medical bills. USAA has failed to provide insurance as prescribed and pay for over 15 years. Their failure has negatively affected my wifes credit. Preventing us to move forward to purchase a home. We 've asked USAA to refinance a car loan to lower the rate an increase her debt to income. Even though the mistake is theirs they told us we had to wait 90 days. I 've asked repeatedly through various departments and reps for an explanation letter and have been refused. Also, USAA has doubled our insurance premium without explanation and without paying off my wifes medical bills.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Around XX/XX/XXXX, I applied for credit through capital one. They approved me and then said I had to make a down payment of {$99.00} and that my credit limit was only {$200.00}. This violates my rights as a consumer under the truth in lending act and fair debt collection practices act. I did a credit sale to extend my own credit back to me, capital one ran my credit, using my credit card ( social security card ) making it a consumer credit transaction meaning all finance charges were paid indirectly by me when my credit was ran. Asking me for a down payment is illegal and not following the protocols of debt collection is also illegal.
Consumer complaint received 2015-11-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (FL)

I had a loan that is over 11 years old that I took out with my ex-wife. In my divorce decree it was stated that she assumed any and all responsibility for the debt associated with the house since she sold the home without my consent. Also the statute of limitations on this debt is well over the 4 years per XXXX law where the loan was taken out and over the 5 years per XXXX law where I currently live. This violates the Fair credit laws on the statute of limitations and my rights for freedom from the law that is meant to protect me from such actions.
Consumer complaint received 2015-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc. (SC)

In XXXX of XXXX we purchased a home in XXXX, Ohio. After we had lived there for about a year, we discovered that we had bought an " over-inflated '' home. Although it was over-inflated, we continued to make payments. The private owner that we were involved with processed a shady loan for us. During this time ; not only did our loan get sold three times but the payments increased nearly three times than when the lloan first originated. The broker did jail time when all the loans got investigated. This property has sold twice since XXXX. But yet there is a {$30000.00} loan balance that a loan company inTexas is reporting us " late '' every month on our credit file.
Consumer complaint received 2023-08-24
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 (TX)

To the PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account XXXX. I firmly believe that this limitation has occurred due to a misunderstanding or an unfortunate error, as I have always strived to adhere to PayPal 's policies and guidelines since the inception of my account. 

I want to emphasize that I have not engaged in any activities that would violate PayPal 's terms of use or policies. The services provided by PayPal have been an integral part of my financial transactions, and I have always maintained utmost transparency in my dealings. This unexpected limitation has left me puzzled and distressed, as it goes against my track record of responsible and ethical account usage. 

I kindly request PayPal to initiate a comprehensive review of my case. I am confident that a closer examination will confirm my consistent compliance with PayPal 's regulations. It is my sincere hope that this appeal will lead to the restoration of my account 's full functionality. 

I understand the necessity of maintaining a secure and trustworthy platform for all users. I am committed to working closely with PayPal to address any concerns or issues that may have led to this regrettable situation. I genuinely value the convenience and security that PayPal offers, and I am eager to continue benefiting from its services. 

In conclusion, I respectfully ask for the opportunity to re-establish the trust that my account has previously maintained. I believe in PayPal 's commitment to fairness and justice, and I am confident that a re-evaluation of my case will demonstrate my dedication to upholding PayPal 's values. 

Thank you for your time and consideration. I eagerly await your response and the possibility of having my PayPal account reinstated. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NV)

MY LOAN SERVICER HAS NOT PAID MY COUNTY TAXES THAT WHERE DUE IN XXXX AND ARE NOW ACCRUING LATE FEES. I HAVE ATTEMPTED TO EMAIL AND CALL MULTIPLE TIMES. THE EMAIL RESPONSES I HAVE GOTTEN ADVISE ME TO CALL, WHEN I CALL ALL I GET IS AN AUTOMATED MESSAGE.
Consumer complaint received 2015-08-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (TX)

I discussed loan payment arrangements with Wells Fargo Auto Finance, and reached an agreement. On XXXX XXXX, I authorized a withdrawal of {$400.00} from my Wells Fargo Bank Account. The next withdrawal was authorized for XXXX XXXX. Instead, Wells Fargo Auto withdrew the second payment on XXXX XXXX. I filed a dispute, but Wells Fargo Bank refused to investigate, denied the dispute, and did not even contact me to discuss the dispute. 
The Wells Fargo Auto agent I spoke with, XXXX, agreed to the arrangements due to financial hardship based on medical and the recent Texas XXXX situation. 
It is my opinion that the money was withdrawn from my Wells Fargo bank account on XXXX XXXX because my paycheck was direct deposited on that date. The paycheck for the XXXX provides funds for my housenote and utilities. I had explained that to the Wells Fargo agent during our XXXX XXXX discussion ; that is why the agreement for the second payment was for XXXX XXXX. My account is now overdrawn by XXXX, and Wells Fargo refuses to address this issue or reverse the payment until XXXX XXXX. It seems to me they would rather repossess the car, after 8 years of payments, rather than wait XXXX week for the next payment.