davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Securus J Holdings, LLC (NY)

So the previous complaint I filed with JPay. I received a call from a 800 number. And clearly they know that the phone companies block numbers that are scams likely. They are aware of this because this is one of the problems with them. So naturally I missed the call. XXXX from corporate leaves me yet another 800. Number to call her back on. In which is the customer service number that has no way of even contacting any one in corporate. The supervisor XXXX clearly told me there is nothing he can do and he has no way to contact them other then an email. XXXX XXXX also stated she would be five if me a call back this morning. It is XXXX no call. I have tried time and time again to contact them. I have played by all their rules. I have invested over XXXX with them. And I am not even able to communicate with them. But I guess that's what happens when the CEO is in federal prison for all of this,
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (TX)

According to section 602 of the Fair Credit Reporting Act ( 15 USC 1681 ), it is crucial for consumer reporting agencies like XXXX and XXXX to carry out their responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. As a consumer, I have the right to ensure that my private information is not shared, as supported by section 6801 of the same Act. This section emphasizes that financial institutions have an ongoing obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information.

The term " Furnisher of information to credit agencies '' refers to a financial institution, as defined in the Act. Section 604 ( a ) ( 2 ) of 15 USC 1681 states that consumer reporting agencies can only furnish a consumer report if they have written instructions from the consumer in question. In this case, neither the financial institution nor the consumer reporting agencies ( XXXX and XXXX ) have my consent or written instructions to furnish my information. 

Furthermore, section 6802 ( b ) ( c ) of the Act specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about their option to exercise nondisclosure. However, the " Furnisher of information to credit agencies '' failed to inform me about this right.

Additionally, section 1681C ( a ) ( 5 ) of 15 USC states that consumer reporting agencies are prohibited from including certain adverse items of information in a consumer report, unless authorized under subsection ( b ). It is evident that the actions taken by XXXX, XXXX, and the " Furnisher of information to credit agencies '' go against these regulations. 

Therefore, I hereby revoke any and all consent given to XXXX, XXXX, and the " Furnisher of information to credit agencies, '' whether it was verbal, non-verbal, written, implied, or otherwise. It is essential that these entities respect my rights and adhere to the provisions outlined in the Fair Credit Reporting Act.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/24 I received a phone call from Wells Fargo that I have a fraudulent charge for XXXX dollars from XXXX XXXX. I disputed the charge with Wells Fargo and filed a claim. Also replaced my card. On XX/XX/24 Wells Fargo determined there was no error on this transaction and will not refund my money. I attempted to file another claim to dispute this and Wells Fargo said this is the final decision. Wells Fargo told me to contact the merchant via the phone number on the transaction and the phone number doesnt work. Wells Fargo told me to go to the merchants website which also doesnt work.
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 ONE FINANCIAL CORPORATION (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2017-06-15
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. (AL)

SOMEONE USE MY INFORMATION SOCIAL SECURITY NUMBER AND OPEN UP NUMUEROUS ACCOUNTS IN  XXXX   XXXX  WHICH I NEVER LIVED. I PROVIDED ALL MY DRIVERS LICENSE FROM  XXXX  TO  XXXX  TO SHOW WHERE I HAVE BEEN IN ALABAMA ALL MY LIFE. I AM ASKING THAT EVERYTHING PRETAINED TO  XXXX   XXXX  NEVADA BE REMOVED FROM MY CREDIT FILE.   XXXX   HAS ALREADY CORRECTED AND DELETED. TRANSUNION AND  XXXX  HAS NOT. PLEASE SEE THE FOLLOWING ACCOUNTS CHAPTER  XXXX  (  XXXX   XXXX   XXXX  NEVADA  )   XXXX   XXXX   (   XXXX   XXXX  NEVA DA )   XXXX   XXXX   (   XXXX   XXXX  NEVADA  )    XXXX   XXXX    (   XXXX   XXXX  NEVADA ) I AM SEEKING THE HELP OF THE CFPB TO ASSIST ME WITH GETTING THESE ITEMS REMOVED FROM MY CREDIT REPORT FROM TRANSUNION AND   XXXX  . AND   XXXX   XXXX   FROM  XXXX
Consumer complaint received 2023-03-04
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 (CO)

Paypal won't let me withdrawal my money. On XX/XX/XXXX, I received an email from PayPal stating that my account had been permanently limited and that I could no longer use PayPal. I had no idea why this would happen ; So I called them. It turns out they don't know either. I have emailed and called multiple times. They don't respond to emails and on calls they can't even tell me why my account has been limited. I can not withdraw my funds. I need the money. Please help. Thanks, XXXX
Consumer complaint received 2019-10-29
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. (UT)

XXXX XXXX XXXX XXXX # XXXX*** is reporting an account that I never seen before. I don't know what this is and it looks like an account for child support, in which case it is not mine as I have never paid child support. I don't know why this is on my credit but it is not mine and it needs to be removed.
Consumer complaint received 2017-06-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Santander Consumer USA Holdings Inc. (CA)

I entered into a lease contract with Chrysler Capital in  XX/XX/XXXX  I was unhappy with the vehicle and wanted to trade it in. I went to   XXXX   XXXX   and negotiated with the salesman for the purchase of a   XXXX   XXXX  . In one part of the negotiation he agreed to pay off the lease if I would put {$3000.00} down on the  XXXX . I advised him that I did not want to put {$3000.00} down on the  XXXX  because I was going to be purchasing a house soon. He came back with a deal where I did not have to put anything down on the  XXXX  but I would need to pay off my lease and they would give me {$1000.00}. I accepted the deal. He advised me to wait two weeks before calling to pay off the Chrysler. This would be after the 5 day " cooling off '' period that the dealership advertised.
When I called Chrysler Capital to end my lease they informed me that I would need to pay almost {$1000.00} in early termination fees and the vehicle would be sold at auction and I would be responsible for the negative equity. Of course, I declined and ended up with two vehicle payments and insurance fees.
In   XXXX   I entered opened escrow to purchase a house. Because I had two vehicles I was unable to qualify for a lower interest rate without having to buy down the rate. At the lender 's request, I paid off the balance on the lease. To improve my situation I attempted to trade in the Chrysler and the   XXXX   to   XXXX   XXXX   however they were unwilling to assist me.
Due to the salesman 's deceit I had to pay off my lease early yet can not turn in the vehicle early without incurring exorbitant fees, I had to pay {$7000.00} in closing costs for the mortgage because I could not qualify to add the fees to the mortgage because I had two vehicle on my credit. If the salesman had been honest with me I would either have negotiated a different deal for the  XXXX  or I would have walked away from it completely. His deceptive tactics have caused me irreparable financial hardship.
Consumer complaint received 2024-03-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

XX/XX/24 My regular payment was made via XXXX XXXX XX/XX/24 I went online and paid off the card using the current balance not the statement balance of {$390.00}. At that time I removed the auto payments. 
I received a notice that the account was paid and closed On Saturday XX/XX/24 I received a statement notice that my account was past due and I now owed {$34.00}. This is a late fee and interest. 
How can you charge interest and late fees on a closed account? 
I called customer service and they said there is nothing they can do on a closed account. This is a XXXX card, XXXX  is a now closed company and the bank Comenity Capital Bank that is now handling their close out is not handling things very well.
Consumer complaint received 2018-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (FL)

I experienced a major illness in XX/XX/2017 that required medical transport between hospitals. I had multiple bills come at once for payment. I was making payments for as much as possible to XXXX XXXX and XXXX XXXX XXXX when on XX/XX/XXXX I received a letter from Professional Collections of Maryland - XXXX XXXX XXXX XXXX XXXX, Co XXXX, number XXXX, listing creditor as XXXX, XXXX XXXX XXXX XXXX, Account XXXX. I immediately wrote a check for the full balance, mailed it to the debt collection company address above written to XXXX as that was listed as creditor. That check cleared in XX/XX/2017 and I have the check. The credit company says the ambulance company has it but has not communicated with them- the ambulance company says their billing is off -shore and they can't check to see if it has been paid. We keep getting letters and phone calls- harassing us- saying '' I will put you on hold if you don't .... '' saying we still owe the debt. We feel we are being bullied and harrassed for double payment.The debt collection company is where we sent the check that was cashed- but they state we have not paid it. The check was written to XXXX because on the bill from the debt collector that was listed as creditor on the letter they sent. We have called both companies and mailed a copy of the cancelled check to the collections company. We paid the bill on the first letter we got from the collection agency- we have the canceled check but they will not list it as paid and stop the calls and letters. We paid the entire amount on the first notice. I have copies of the canceled check but do not want to upload to the web site but can produce it when needed.
Consumer complaint received 2018-03-27
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: DISCOVER BANK (MA)

My husband passed away on XX/XX/XXXX leaving behind a Discover account that was for his business use. I provided Discover with a death certificate and they switched his account to my name, although I had not opened nor signed for the account. I have spent 16 months trying to work with them and eventually turned it over to my attorney, at an additional expense to my family, when the correspondence and phone calls became harassing. Discover has been unable to prove it is my account because it is not. Other creditors offered their condolences and immediately resolved the matter once they were informed of XXXX ' passing. I have spent countless hours with Discover while grieving and attempting to help our children. I am respectfully requesting that Discover remove my name from XXXX account and remove the account from my credit report. My attorney has requested numerous times that documentation be provided that it is my account and Discover is unable to do so. It has been 16 months and the matter needs to be resolved as quickly as possible please. The most recent correspondence from Discover is date XX/XX/XXXX and says that another investigation is happening.
Consumer complaint received 2021-09-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

My name is XXXX XXXX XXXX XXXX loan number is XXXX social security number is XXXX date of birth XXXX. My complaint is that community loan servicing LLC took me off a covid forbearance I've been making my payments little by little I'm a little behind. But I suppose to be on the extended forbearance .that protects me for going default I got a phone call XX/XX/2021 saying I'm past due. When I call them they claim that I'm still on forbearance. But they never updated the system. And that can cause a serious problem .also community loan servicing Insurance department sent me a letter asking me for proof of hazard flood insurance for the out side of the condo I told them that the condo association is responsible for that and the condo policy is under XXXX XXXX  all they have to do is call them to get policy information regarding that issue. And they unlawfully sent me a letter saying that they were going to raise my mortgage payment next month. Regarding the other matter the forbearance. Also they keep charging me late fees and services fees for little things .I do have money in suspense and paying little by little around a XXXX every two weeks and sometimes XXXX. I told them to keep me on forbearance until I catch up on my payments and I was affected by XXXX
Consumer complaint received 2017-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

I tried to call Customer Service at  American Express on   XX/XX/XXXX   XXXX   around   XXXX   XXXX   PST at  XXXX  and I was able to talk to various customer service representatives who provided me with various pieces of conflicting information. I spoke to  XXXX  and he advised me that I would not be able to make a payment online because they were having technical issues and that I had to call back  in 1-3 hours to  resolve the issue. I spoke to another representative who informed me that I can not make a payment over the phone because my pay-over-the-phone features have been suspended. I called around   XXXX   XXXX   and spoke to  XXXX  and  XXXX  consecutively.  XXXX  informed me that she was going to open up a case regarding my online and phone payment features but she was not able to resolve the issue concerning any late payment fee. I then spoke to another representative  XXXX  who informed me that the checking account she tried to enroll over the phone ( my  XXXX   XXXX  account ending in  XXXX  ) was suspended when I properly advised her that the account is open and is currently in good standing as I receive paychecks via Direct Deposit to this account. She was not able to provide me with any appropriate resolution on the rewards dollars I have just redeemed online 2 days ago and she informed me that it will be applied on the next billing cycle. This just goes to show tha t American Express representatives provide me with conflicting pieces of information and are unable to resolve any issues due to the runaround that have been giving me for the past two months.
Consumer complaint received 2017-06-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (TX)

I have been receiving phone calls from this company leavi ng five daily voice mails.This company Is reaching out to my family members threatening them that they must speak to me or my family member will be forced liability.
Consumer complaint received 2022-08-10
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: SYNCHRONY FINANCIAL (DE)

Im writing to Dispute a Billing Error in the full statement balance of {$4100.00}. Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.

15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.

Im requesting a full refund. The obligation again has already been paid by the United States. Please send check to address on this letter. 


Sincerely, XXXX
Consumer complaint received 2017-06-16
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: Experian Information Solutions Inc. (TX)

I have contacted   XXXX   XXXX   credit union several times, regarding an account that is being reported on behalf of a company in error. I have supplied   XXXX   XXXX   with documentation from the company, by the name of  XXXX   XXXX   XXXX . I submitted to  XXXX   XXXX  a letter that stated they are not able to provide proof of debt because they have no records of me on file.  XXXX    XXXX   has failed to delete that creditor off of my report after receiving notification from the alleged company. I have written to  XXXX   XXXX  as well as submitted to them all correspondence letters between my self as well as  XXXX   XXXX . I am requesting for the claimed debt to be deleted off of my credit file in the amount {$11000.00} reference to  XXXX  account. This has been an on going investigation since  XXXX  and the creditor has not been able to validate the claimed debt. Therefore, four months later this debt should be considered invalid and deleted.
Consumer complaint received 2018-02-01
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. (PA)

Greetings, Greetings, I have initiated disputes with Experian and XXXX XXXX to remove incorrectly reported late payments for XXXX Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my credit reports. Experian and XXXX XXXX will need to provide validated proof to be authorized to report the correct information per the Fair Credit Reporting Act. I have provided all requested documents to Experian and XXXX XXXX to get this issue resolved in which they requested. I have also reached out to the creditor but they have also fail to fully validate the account was late during the months being reported on my credit reports. The account is currently in good status with a defferd till XX/XX/XXXX. Below are the reported late months that should be updated on my Experian and XXXX XXXX credit report.. Should you need any additional information please let me know. 

Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Experian Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXXXXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX