davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
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: Account Resolution Corporation (MO)

As stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. I would like this be taken out of my credit report immediately. I reserve the right to sue your company for violating of my consumer rights as indicated under both the FDCPA and the FCRA. I will also seek damages from you if warranted. 

XXXX. They are not complying to my request to validate the debt. Also, they have failed sending any documentation bearing my signature that I have legal obligation to pay them. The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) states that you are required by federal law to send the wet ink contract bearing my signature you should send to me the original signed contract 2. They are Identifying me as Mr. XXXX on their response, My name is : XXXX XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX. FDCPA Section 807 ( 8 ) You have failed to validate the debt, this is misleading/false reporting. It must be remove from my credit report right away. 

XXXX. The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified. You must request the credit reporting agencies to remove inaccurate and incorrect information and delete it from my credit report IMMEDIATELY.
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (OH)

Placed order at center mass XX/XX/XXXX, XX/XX/XXXX I still had not received my product. I filed a dispute with Chime bank and was told it would take 3 months to get my money back. I have contacted chime multiple times with no reply other than it will take months to resolve.. the company cancelled my purchase at the end of XXXX amd have not received any product or money. Currently out XXXX
Consumer complaint received 2017-08-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

Your case ID is : XXXX My name on my paypal account is XXXX XXXX and this is my paypal account.I am the owner of this account. I have {$420.00} in my balance that I need to get out. I have waited over 180 days for the release of my money as promised. You have no right to hold my monies forever.
Consumer complaint received 2020-05-07
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. (CA)

I tried to refinance my car today XX/XX/2020 and I was not eligible to do so because when they checked my credit report there were several accounts in negative standing. I was not aware of any of these accounts because none of them belong to me ; I didn't open any of these accounts and I did not allow anyone to open these accounts in my name using my personal information. I have o idea who is responsible for opening these accounts on my behalf without my permission but I have already filed a police report with the information I currently have. I did not gain anything from these accounts such as money, goods, services or any other type of benefit and I never made any payments towards these accounts. I do not have any type of contract or agreement with any of these companies and I never gave them permission to access my credit information. I have filed this report to the best of my knowledge.
Consumer complaint received 2017-08-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC (AR)

OMEGA company has give me a bad credit for two years. one payment was missed and with out telling me they ask for XXXX. for compensation for the loss. i found out this on a credit report.now in collection and/or write off. I would like this to stop
Consumer complaint received 2017-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX, Barclaycard closed all my credit cards I have with them including a recent new card that I just received XXXX worth {$590.00} promotional offer on that was issued XX/XX/XXXX. Barclaycard closed my account right after I got the points and refuse to let me redeem the rewards, a complete switch and bait. I have been with Barclaycard for more than three years since XX/XX/XXXX, and never missed a singlepayment. They claim the reason for disclosure is too many new accounts in the past six months but I only had three accounts opened FIVE months ago. It 's disappointing to see the extremes credit card companies go to save their button line but this is completely unethical.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Resolution Corporation (TX)

This company ( Account resolution corp ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Texas this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Texas. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or 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 ; 28. The Texas Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : XXXX XXXX XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <XXXX XXXX  XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ;
Consumer complaint received 2019-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

I was a victim of a scam on XXXX marketplace. I purchased an item that was from a member whos account was not real. I had never used this means of purchasing before. I was told this was thru XXXX goods and services. When the transaction came thru, it stated goods. After I paid {$300.00} the profile was deleted and I never received my purchase. I was told that XXXX couldnt do anything and the transaction was paid via XXXX XXXX XXXX, therefore they couldnt do anything. I contacted my bank and disputed the transaction. The representative processed it incorrectly and was told this would take 10 days, not ten business days. I called 2 separate occasions. The last I was told a decision had not been made. This was incorrect, as I was denied due to the first representative incorrectly disputing the charge. I called another time and was told by the PNC representative that I was given incorrect information, and a new dispute was entered, however, due to their error, it would take 5 days and not 10 business days. I asked to speak to a manager, and was given to XXXX because she would have other solutions for me, other than waiting this time. XXXX then came on and stared she had no options for me and that her employee was misinformed. I was called today by another individual whom stated it was 50/50 that I would receive my funds back. This man was rude and hung up on me once he completed his necessary information
Consumer complaint received 2024-03-20
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TomoCredit Inc. (MI)

XXXX XXXX works at XXXX denied XXXX XXXX Never got approved Tomo Boost Never received card with steady payments XXXX XXXX Can shop at store XXXX can get XXXX change the application XXXX offered XXXX to support me never received many more I don't believe anything is going to help But I am trying to walk away from this situation without a on going failed attempt I have filed for the best mortage for my specific need. I have a XXXX with a lot expertise as a XXXX  my class is at 100 percent I have clients looking to buy from XXXX XXXX and other companies I create of XXXX XXXX that taught me how. The main problem is its often a issue that I don't qualify due to not want to share information with people that think I don't fit the nor that people with bad credit don't qualify. I also applied for basic credit with Tomo they will not realize my credit hoping Ill keep waiting no card in the mail since XXXX with more and more work pulling up
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

My Mortgage was sold to Mr. Cooper in XX/XX/XXXX or XX/XX/XXXX by XXXX XXXX. 

I made my mortgage payment via automatic deduction from my Checking account on XXXX XX/XX/XXXX. My bank processed it, have the paper work to prove same. 

Mr. Cooper on XXXX XXXX in an email is charging me XXXX dollars for a late payment and are accusing me of skipping a payment, when loan was sold. 

I contacted XXXX XXXX and they stated my XXXX payment was made to XXXX XXXX on XXXX XXXX XXXX. Six phone calls and I have been given the run around, being told they will take my money from escrow..i also make an extra payment for the balance twice a year, and XXXX XXXX stated I placed it on the principal, I should have placed it on the mortgage..Phone calls are nothing but stress I asked for an attorney, a person with a first and last name that I, could, deal with, and they told me to go out and get a subpeaona. 

Thank you
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NJ)

Last week I experienced a phishing attempt that was dealt with and I updated my password and spoke with ally fraud department. Everything seemed fine but now today I found that I was locked out of my account with no notice. I have had several payments fail due to this. I made it absolutely clear to their support that I needed this addressed immediately but was told that only the fraud team could resolve this issue during regular business. It seems they did try to call once with no voicemail and no caller ID name after I have just experienced a phishing attempt over the phone so had no clue who it was. 

This has been an ongoing problem with ally bank and seems to have no resolution in sight.
Consumer complaint received 2022-10-07
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: EQUIFAX, INC. (TX)

Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine XXXX XXXX XXXX  account XXXX is not my account. I also have some inquiries on my credit report that didnt give these companies permission to run my credit please delete these accounts immediately 15 U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts on my credit report
Consumer complaint received 2022-10-07
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. (TX)

Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine XXXX XXXX XXXX  account XXXX is not my account. I also have some inquiries on my credit report that didnt give these companies permission to run my credit please delete these accounts immediately 15 U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts on my credit report
Consumer complaint received 2024-01-30
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (NC)

Received notice from Caine & Weiner about an allegation of a debt owed. There was no sufficient evidence to support or verify the debt belongs to me. This company is in violation of the FCRA reporting standards.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the of collection that is being reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the of accused collections account and date FOLLOW AS : XXXX XXXX XXXX, XXXX  ( XXXX  ) on XX/XX/XXXX.BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW TRANSUNION is CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NJ)

Caine & Weiner contacted me by mail on XX/XX/XXXX to inform me of their intent to collect a debt identified as {$390.00} to XXXX for RA + LEGAL FORM RENEWAL 1 YEAR. I sent them a Debt Validation letter by mail on XX/XX/XXXX, which is within the required 30-day window to dispute the validity of the debt. In this letter I informed them that I do not have any responsibility for this debt, and asked them to provide documentation supporting the validity of the debt, including : ( 1 ) My agreement to pay recurring charges from the referenced entity, ( 2 ) The specific time period for which the charges are claimed to be valid, ( 3 ) Documentation that I accessed or used the services for which the entity is claiming the amount owed, during the time period for which it is claimed, and ( 4 ) Documentation that they are licensed to collect this debt in New Jersey. They did not respond to this letter. The contacted me again by email on XX/XX/XXXX requesting that I pay {$390.00}. I responded the same day by email informing them that it is a violation of the FDCPA to continue contacting me about a debt without providing the documentation I requested. I included a PDF copy of the Debt Validation letter for their records. They again did not respond. They contacted me once again on XX/XX/XXXX offering to settle the debt for {$310.00}, again failing to provide the requested documentation.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OR)

XXXX Automatic renewal for annual membership to MasterClass that I had already cancelled was charged to PayPal. 

Same day, same amount General Credit Card Deposit was applied to PayPal, referencing same transaction ID XXXX. 

XXXX XXXX refused to refund subscription. I filed dispute with XXXX credit card XXXX. 

XXXX Payment Refund and a General Credit Card Withdrawal, each for the amount of {$180.00} was applied to my PayPal account, both referencing same transaction ID as on XXXX. 

XXXX Received e-mailed notice that PayPal received notice from my credit card company that I had opened a dispute ( 9 days after I had filed ). 

XXXX A General Account Adjustment for the amount of {$180.00} was applied to my PayPal account, referencing the same transaction ID as on XXXX and XXXX. 

XXXX XXXX ( my credit card company ) issued notice to me that they had resolved my dispute. 

XXXX On phone with PayPal Customer Service for over 20 minutes trying to resolve. 

XXXX This is the first notice I have on file of debt collection on the negative balance. I continued to receive e-mailed notices, as frequently as every three days! 

XXXX See attached phone call log from this day. Never received promised call back. 

XXXX I received an e-mailed notice from PayPal stating that they have transferred my referenced account to XXXX. I responded with request for clarification, and I have received no further response, nor have I received communication from XXXX. 

XXXX My PayPal account still shows negative balance.
Consumer complaint received 2017-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Borrower mortgaged his primary residence in XXXX for {$450000.00}. The loan is presently either owned or managed by Wells Fargo and is in default. The sale date is XX/XX/XXXX. On XX/XX/XXXX borrower gave verbal authorization to Wells Fargo to speak with borrowers loan broker. The broker made 5 separate calls to Wells Fargo. The number they provide is a call center than has no authority other than to refer the matter to another department. The loan broker spoke to 5 different parties. Three of them acknowledged the authorization for the loan broker to represent borrower for one day. The last representative could not locate the authorization that 3 other representatives found. Most of them recommended that the loan broker speak with another department. In the first case he was transferred to a disconnect. In the second case he was transferred to unending music. The third transfer was back to the same call center. A fourth transfer was to an outside and apparently unrelated company. The total time spent trying to speak to someone at Wells Fargo was 2, 1/2 hours and was totally unsuccessful. Two of the representatives said that the sale date could be extended but the requirements were impossible to satisfy. A pair of representatives said that a loan modification might be possible but the loan broker was not transferred to the proper party, and it was almost certain that discussion of a loan modification would be futile. Also the rate would be unfair and punitive if it could be accomplished. It is apparent that Wells Fargo is stonewalling borrower, with the intent to go to sale so that borrower loses his home or a sale is postponed and borrower is forced to pay unreasonable rates for the near future. Equally troubling is that Wells Fargo is aware that borrower is a minority and is being treated unfairly, much more than a non-minority. Finally borrower has a new lender who will lend enough money to pay Wells Fargo everything they claim is due. This lenders primary requirement is that the notice of default be lifted. Borrower owes about {$470000.00} and the home is worth approximately {$690000.00} at market value. Borrower is also able to make the monthly payments as due, and would be far better able to make the payments on a new loan at market interest rates. Since borrower is presently making all payments monthly as due, Wells Fargo is not at risk of any loss at all by lifting the notice of default. The notice may also be invalid for legal reasons. This is bad faith on the part of Wells Fargo.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (FL)

I received a letter dated XX/XX/2024 from Truist Bank stating I owed {$59.00} which included a {$30.00} Charge-off account fee. I called on XX/XX/2024 to find out what the other charge was since once all automatic payments were stopped, I transferred the remaining balance from the account and called the bank to close all remaining accounts. I was told that the other charges were fees for inactivity in the account that I had closed. They said they would waive the {$30.00} fee but not the remaining charges. When I said that I didn't owe those as well, they stated that all of the charges would then be left outstanding.