davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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: ERC (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-08-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

VA home loan first with XXXX then NationstsNationstar, Mr Cooper and current Rightpath Servicing. I accepted pandemic forbearance XX/XX/XXXX informed XXXX  I wanted to end program since XX/XX/2023 At that time I was in arrears about {$48000.00} however Rightpath has dragged speedy resolution by requests for duplicate docs that current I'm {$74000.00} mortgage arrears. I entered forbearance because of financial hardship having got sick with XXXX. Also because Rightpath reps over phone said my past due payments would be tacked to current contract but that was a lie I have tried to no avail for months until last week they're now working modification of my VA mortgage. My current rate when went in forbearance is 3.5 % so I thought I would keep it Right now I dunno what is happening and truly feel victimized. I'm a XXXX retired veteran XXXX  years of age ... a revolution is to allow me to keep interest as is on mortgage XXXX contract I'd love of Rightpath would waive the excess arrears they created by delaying process of ending forebearance
Consumer complaint received 2023-08-14
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 (CA)

A friend asked me to get the Venmo. App so they could send me money. I downloaded the app to my XXXX and to make sure I had it right I sent a request for XXXX dollar to my friend so they could have my account info. I was then notified that XXXX $ had been sent to me. I then linked and verified my bank account and debit card to my Venmo account. I tried to transfer the $ to my XXXX debit card but was unable to. After several attempts I used the help menu and spoke chat to a chat bot who couldn't resolve my problem and referred me to XXXX XXXX : I was then informed that my account had been frozen and I had to wait for a team of supervisors to email me to unfreeze my account
Consumer complaint received 2023-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

Fee Invoice Invoice no. : XXXX Dear Customer, From : XXXX XXXX XXXX MONEY RECEIPT - Regarding Your Payment Kindly Check Your Order Bill If You Want Refund Call Us @ Order Number XXXX XXXX ________________________________________________________ Thank you for using PayPal. 

Your Account has been charged with USD XXXX and will be going to deduct from your account with in 24 hours. If you did not recognize this transaction or want to cancel these charges. 
Please contact Toll Free Customer Support Number : XXXX ( XXXX ) XXXX Order Number : XXXX Invoice Amount : USD XXXX Invoice Date : XXXX XXXX Due Date : XXXX XXXX  Payment Mode : Online Contact Our Customer Support team XXXX ( XXXX ) XXXX
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (MA)

Chase Freedom sent me a card that I never applied for. I received the card in the mail on Friday XX/XX/XXXX. I called their customer service number on XX/XX/XXXX, and am on hold with them now.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (NJ)

XX/XX/12 received an email from Paypal that acell phone was purchased through my Paypal account. It was {$500.00}. I gave me a customer service number to make my complaint. Sadly I ended up giving my SSI, BD, pin, account number to my XXXX account. In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) called me. After the discussion I was told it was ascam. My heart dropped and I was XXXX XXXX XXXX XXXX They had me open upe crypto account, XXXX. What a terrible place I am in. I have a copy of the email but cant attach it.
Consumer complaint received 2023-08-13
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: DISCOVER BANK (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2016-11-26
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (FL)

I legitimately owe Walmart MasterCard ( Synchrony Bank ) money. But I have told them many times on the phone that I ca n't make my payments so I will be consolidating all of the credit cards I owe together for one monthly payment that will be distributed each month to all the credit cards I owe through my debt management plan that I 'm on. Yet, this number continues calling me day and night! They call in excess OVER 15 times a day, some calls are before XXXX and well after XXXX, I 've gotten calls at XXXX before. It 's gotten ridiculous, my phone rings all the time and I know it 's them.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (NJ)

I had purchased a {$500.00} XXXX from an online music shop in XXXX. The item was delivered, but I never received it so I believe it was stolen. I filed a complaint with the merchant and they refused to help, and my bank denied my claim stating the merchant said it was delivered. It should be the banks responsibility to compensate me for my stolen goods, not make me pay for something I never received. I even showed a police report to them and they refused to help.
Consumer complaint received 2016-12-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE (NJ)

To Whom It May Concern : I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. The following account does not belong to me and should be removed from my credit report immediately.
Consumer complaint received 2023-08-13
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)

Dear PayPal Support Team, I hope this email finds you well. I am writing to express my deep concern and dissatisfaction regarding an issue that has recently come to my attention. I have always valued my association with PayPal and the convenience it offers for my financial transactions. However, I regret to inform you that my experience has taken an alarming turn. 

I have recently been informed by your customer support team that an unauthorized PayPal registration has been completed using my personal information. This revelation is not only distressing but also deeply unsettling, as I have had no involvement whatsoever in this registration process. I must emphasize that I have no knowledge of these unknown PayPal accounts, and their creation has been done without my consent or knowledge. 

At this juncture, I kindly implore your assistance and expertise in thoroughly investigating this matter. It is of utmost importance to me that the truth be revealed and the responsible party behind these unauthorized registrations be identified. I am steadfast in my belief that a comprehensive inquiry will vindicate my innocence in this situation. I beseech your support in restoring the integrity of my PayPal account, which has been compromised due to this unfortunate incident. 

To validate my identity and substantiate my claims, I have attached a copy of my State Photo ID with this email. I trust that this document will serve as concrete evidence of my identity and underscore my commitment to resolving this matter diligently. Moreover, I am more than willing to provide any additional information or documents necessary to facilitate a swift and effective resolution. 

I understand that PayPal is committed to upholding the security and trust of its users, and I am confident that your team will handle this issue with the utmost professionalism and care. I appreciate your prompt attention to this matter and anticipate a positive and expedient resolution. 

Thank you for your understanding, assistance, and continued dedication to ensuring a safe and secure platform for all users.
Consumer complaint received 2016-11-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NC)

I went in to open a Business Bank account. I refuse to give my Social Security Number. Rep refused to open Bank account, I was told it was the law to give my SSN. I told them it is not required by Law. I had my passport and EIN to open the account.
Consumer complaint received 2023-08-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (SC)

Ive had a vehicle with US Auto sales for 5 years ( XXXX XXXX XXXXXXXX ) the car was priced for {$18000.00}. Here it is, once they changed to Westlake Portfolio I now owe XXXX like how?!? Ive been double billed several of times which makes it extremely difficult to keep up with payments. I now have no choice but to surrender the vehicle and take a hit on my credit because the car had a mechanical issue that I reported BEFORE my warranty expired. They waited until it was expired to attempt to fix the issue and then tell me they couldnt cover the mechanical issue because my warranty is up. Now I barely drive the car cause it cost more to keep it then to carpool.
Consumer complaint received 2023-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (TX)

US Auto went out of business and sold our contracts to a 3rd party collection agency. With the selling of the contracts many of the agreements were broken such as warranty, gap insurance, etc. The 3rd party company our contracts were sold to does not have the same amount owed, they are unable to honor any of the agreements that were made between is the customer and US Auto.
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

I made an uninformed decision on XX/XX/2017, when I entered this consumer transaction with JP Morgan Chase. 15 U.S Code 1601 ( a ), I was uninformed of the basic facts with two consenting parties and with a clear understanding of what was in the agreement. There is no evidence of indebtedness, the only evidence of indebtedness was the agreement that is null avoid due to the information not being clear and conspicuous. In order to have adequate notice, there must be pertinent facts clearly and conspicuously so that I could have reasonably noticed it and understood its meaning 15 U.S. Code 1602 ( k ). A computer generating pages of terms of agreements can not be adequate notices that everyone can understand.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
Consumer complaint received 2017-01-12
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC (NJ)

When the lease on my BMW X3 was coming to the end I met with BMW of XXXX dealer and negotiated all the financial obligations on my part related to the end of the lease agreement. As such I paid them negotiated amount of money.Thereafter, I turn over to a dealer my old car and I have negotiated a new lease agreement for a new car- I signed a new lease on XX/XX/XXXX. Subsequently on XX/XX/XXXX I received an email from a dealer informing me to come and pick up permanent license plates ( see Attachment ). When I arrived to the delaership I was told that I would not received my license plates until I pay them {$580.00}. In fact, XXXX XXXX XXXX, a dealer informed me that this amount {$580.00} I own to BMW FinancialServices for end of the lease charges XX/XX/XXXX ; that was when I returned my previously leased car from BMW of XXXX. At that point, I told the dealer that I have not received any demand for payment from the BMW Financial Services since I leased my previous car in XX/XX/XXXX. As such, I strongly objected to the dealer '' s demand for payment telling him that this is an extortion to demand from me to pay for unsubstantiated claim from 2013 year.In addition, I asked the dealer why he did not mention that I had any outstanding balance with the BMW Financial Services when I had negotiated a new lease. In response the dealer said, that he just recently learned from the BMW Financial Services that I owned them money. Again, I asked him to show me any document to proof that i owned money to BMW FS but he did not have any such document.At that point, I left the dealership without paying any money. Shortly after, I received an email from the dealer demanding {$580.00} to be paid to BMW Financial Services ( see email ). Because my temporary license plates were closed to expiration date, I went back to the delership and they accepted my payment of {$400.00}. In my opinion this is unprecedented that BMW Financial Services had fabricated that I owned them money since XX/XX/XXXX. I have not seen or receive any documents from BMW Financial Services showing that I owned them any money.
Consumer complaint received 2023-08-13
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: WELLS FARGO & COMPANY (CA)

I am not sure but I had checking accounts with XXXX  XXXX XXXX. Wells Fargo and XXXX Bank. And I just heard about your order to XXXX  XXXX XXXX to pay customers. I may be a client that these banks owe money to. But I dont know how to make sure
Consumer complaint received 2023-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

I PULLED MY CREDIT REPORT ON XXXX TO FIND NOTHING BUT COLLECTION COMPANIES REPORTING TO ALL THREE CREDIT BUREAUS OF ACCOUNTS THAT I HAVE NO KNOWLEDGE OF. I HAVE NEVER RECEIVED NOTICE OR PHONE CALLS REGARDING THESE ACCOUNTS. THE COLLECTION COMPANIES ARE AS FOLLOWS : 1. XXXX XXXX XXXX  XXXX- ACCOUNT XXXX  XXXX ( NO KNOWLEDGE ) 2. XXXX XXXX XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) 3. XXXX XXXX  - ACCOUNT XXXXXXXX  ( NO KNOWLEDGE 4. XXXX  XXXX  XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) THESE TWO COLLECTION COMPANIES ARE REPORTING THE SAME ONE ACCOUNT AND IT APPERAS THAT IC SYSTEMS , INC HAD THE ACCOUNT FIRST AND THEN SOLD IT TO XXXX XXXX. IC SYSTEMS FELL TO STOP REPORTING THE ACCOUNT, NOW THERE IS TWO COLLECTION COMPANIES REPORTING THE SAME ACCOUNT. 
5. IC SYSTEMS , INC -ACCOUNT XXXX XXXX XXXX ( NO KNOWLEDGE ) 6. XXXX  XXXX  ( NO KNOWLEDGE )
Consumer complaint received 2023-08-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, my husband and I opened a Certificate of Deposit ( CD ) account in the amount of {$5000.00} with Wells-Fargo Bank XXXX  XXXX XXXX XXXX in XXXX XXXX , CA with Assistant Branch Manager XXXX XXXX , NMLSR ID XXXX. 
I visited that same branch and attempted to close out the account and withdraw the funds on XX/XX/XXXX. 
Initially, I was told by the teller that they did not have a record of our CD account. 
I then met with Branch Manager XXXX XXXX, NMLS ID : XXXX. 
He searched the bank records and found a computer record that showed that our account had been closed on XX/XX/XXXX. 
He stated that the bank would have written a Cashiers Check to us in the amount of {$5000.00}. 
As I did not recall ever having cashed out this account, I carefully searched our bank records at home and discovered that we have NO RECORD in our bank statements or check registers from that time period of having deposited funds in the amount of {$5000.00} in late XXXX early XX/XX/XXXX to either our checking or savings accounts. Neither do we have copies of a receipt of a cashiers check or record of closing the account. 

We have copies of the receipt of {$5000.00} for the CD opened on XX/XX/XXXX with an Annual Percentage Yield of 0.21 % - renewal term 24 months. Please see attached. We also received just one Maturity Notice dated XX/XX/XXXX ( see attached ), and the business card of the branch manager that assisted us. 

We have not yet followed up about this research and discovery with Branch Manager XXXX . XXXX yet plan to. I decided to file this complaint first. 

According to several articles I located online, Wells Fargo Bank has a history of losing their customers investments and deposits. For example, according to an article dated XX/XX/XXXX, since XXXX, 568 bank customers had filed formal complaints against Wells Fargo with the Consumer Financial Protection Bureau. Seventy of those complaints came from customers in California. 
This makes me very suspicious that we may in fact be victims of similar bank fraud and I would very much appreciate having this investigated at your earliest possible convenience. 

In the meantime, we will also visit the branch and speak with Branch Manager XXXX . XXXX regarding these concerns in the near future. 

Thank you in advance for your efforts on our behalf.
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (GA)

During the last 7 years I have leased multiple cars with US Auto Sales with financing thtough there in house financing service. The first car I had was a XXXX XXXX the XXXX price on that car the day I purchased was XXXX US Auto sold it to me for XXXX grossly over charging for the vehicle. While I was doing the paper work I was told that I had to get the GAP insurance through then even tho I had full coverage. A few years into having the car it was totaled in an accident, no fault of my own when I reached out to US auto about a refund on the GAP insurance I was told that that law didnt apply to my loan and it was nothing for them to refund. I ended up getting another car from them a XXXX XXXX XXXX that I still currently had until it was repossessed two weeks ago. For what reason exactly no one can tell me. Ive been calling for weeks trying to get the location of the car to retrieve my possessions which has lead to them giving me the wrong location of where exactly the car is and how to go about getting my things. On the car which thw XXXX states is worth XXXX I still have a loan amount for XXXX. I recently looked at my credit report and it shows that both cars are still on my credit with an active lease. Which both of them should be closed out
Consumer complaint received 2020-04-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TFS FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, we were informed by Third Federal personnel that we had been denied for our mortgage refinance. They cited our income to debt ratios and the loan to value ratios were too high. Below is the email we received when we asked them to explain exactly what their ratios were. 

" Currently we require our debt to income ratios to be 28 % ( housing ) /36 % ( housing and all other debt ) Youre ratios were at XXXX Also, the loan to value needs to be at 70 % or below, you are currently at 80.9 %. '' We feel we were grossly mislead by Third Federal. Had they disclosed their requirements upfront, we would have sought another lender. We've never heard of requiring a 70 % loan to value from any lender. We have wasted valuable time ( we first applied on XX/XX/XXXX ) pursuing an application for refinance with them and were lured in with the promise of a " low cost loan '' for only {$290.00} in closing costs.
Consumer complaint received 2023-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

We contacted someone, XXXX XXXX located in XXXX, TN, though an automotive facebook group on the recommendation of someone else. We asked if he had a particular set of wheels available and he said yes. We messaged for several days and on XXXX XXXX, 2023 we negotiated a price for the wheels, he then sent an email address to use for XXXX. I questioned the name on the XXXX account that came up, XXXX, he said it was his wife. We sent the money which was {$1000.00} USD. He said he would send the tracking number the next day. He did but then we also got an email from a shipping company saying we would have to pay an additional {$1500.00} USD to have them delivered. We questioned XXXX XXXX that this was not the correct way to ship these wheels, he said it was and we questioned him again. There is a consignment number/tracking number but we found the shipping company is fake, we looked at their website. The phone number he provided on the tracking as well as the email address are invalid and when we asked for another phone number he would not provide it. I called my bank right away on XXXX XXXX, XXXX  and filed a claim but they said they could not honor it and would not refund the amount to my account. I have also filed a dispute/claim through XXXX.