davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I recieved a call from a company called XXXX XXXXXXXX XXXX XXXXXXXX stating i owed a balance on an HSBC credit card that i had paid in full in XXXX. I have the paid in full letter from the attorney i paid this debt debt with so i emailed it to the address they provided. XXXX. I was informed that they did not accept my letter as i either paid the wrong company or my paid in full information was fraudulant. They also said they a processing a fraud case against me and this was a felony. I thought it was odd no matter what time of the day or night i called i always got XXXX ( no last name or id provided ). He said they filing in the state of Oregon where i have not lived for several years, they did not ask my current address. XXXX XXXX. I just XXXX that number and it is one of the most frequently googled numbers in XXXX CA. XXXX XXXX is the attorney that is suing me. They refused to give me an office name, Phone number or address. They are also calling others about me, my step father my mother has passed in XXXX and he has re-married. When i said i was contacting the CFPB XXXX got angry and said all documents were void and they would see me in court.
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (CO)

On XX/XX/XXXX my mortgage payment was made to PHH mortgage company. On XX/XX/XXXX they took out a second payment for XXXX causing my checking account to be overdrawn by {$3800.00}. 
I called and asked them to reverse the second mortgage charge as they were payed on the XXXX. After several phone calls they finally said they would send a check for the amount of the overdrawn funds, but it would take 20 days to get the check to me. 
I was overdrawn by {$3800.00} with no way to replace it. So I called my bank and talked to a supervisor. They were able to stop payment on the second draw on my account. Again the first draw went through and my mortgage was payed on XX/XX/XXXX as every month. 
When I went to pay my XXXX payment on XX/XX/XXXX PHH told me I was late on my XXXX payment charged me a late fee of {$170.00} but I wasnt late it was paid on XX/XX/XXXX. They applied the XX/XX/XXXX payment to XX/XX/XXXX payments. Now they refuse to reply or give me back the {$170.00} late charge back.
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

Venmo has terminated my account with no explanation and intends to keep several XXXX dollars that is mine. They have stated they will no longer respond to my emails. 

On XX/XX/XXXX I sent an email to venmo in response to them freezing my account for improper use. They did not provide any details how I violated their policy. It was a very vague email.I am a small legitimate business that hosts events so I am unsure what about my business was in violation. 

I received no response back so I followed up on XX/XX/XXXX asking for assistance with my account. 

On XX/XX/XXXX I still received no help with my business account and I sent another follow up email. 

On XX/XX/XXXX I sent an email to their support team on XXXX and received a response. we exchanged emails back and forth and said a rep would email me. 

On XX/XX/XXXX a rep email me stating After reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity. We informed you about this decision on XX/XX/XXXX. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. 

Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

Which means they closed my account with no explanation as well as stole XXXX  of dollars from my business. Im submitting a request as a last effort to get my money back before sending a letter from my lawyer.
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OH)

XX/XX/2021 purchased {$1000.00} in goods from XXXX XXXX, using PayPal. XXXX refunded {$410.00} XX/XX/XXXX and {$280.00} XX/XX/XXXX. The remaining funds of {$380.00} were supposed to be credited to PayPal within 4-6 weeks. In has been 8 weeks. I have an mail from XXXX dated XX/XX/XXXX stating that my missing refund of {$380.00} has been processed. I spoke with XXXX and PayPal XX/XX/XXXX, XXXX stated that the refund has be sent in XXXX parts : {$370.00} and {$9.00}. XXXX gave me transaction identification numbers for these transfers : XXXX and XXXX. PayPal was opening a case to find the missing money. PayPal sent me a note stating a refund was was received for {$410.00}. This is not the disputed amount. It seems that PayPal and XXXX are treating me like a ping pong ball with neither one taking responsibility for the missing {$380.00} due me. They hope that I will get frustrated and disappear, but this is nearly {$400.00} dollars of my hard earned money. These companies, especially PayPal, have been giving be the runaround for XXXX months. Please, Please, help me.
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

From the XXXX XXXX 2017 I have been locked out of my crytocurrency trading account on www.coinbase.com I have tried to contact coinbase to resolve this through email requests only to recieve automated messages and a faint promise of help " soon ''. 
Further attempts to contact coinbase through their support phone line have resulted in nothing after waiting in excess of 4 hours on " hold '' to talk to someone. 

This complete lack of service is unacceptable. 

Avoid using coinbase if you can.
Consumer complaint received 2024-02-28
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

I received a gift card from the Vanilla Gift Card Company purchased at XXXX XXXX. It was supposed to have {$150.00}. The card did not work at all and the company has not been replaced the funds.
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (CA)

I am writing to dispute a collection account on my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other relevant consumer credit laws, including 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). I am requesting that you investigate the following account and, if found to be inaccurate, remove it from my credit report in accordance with the FCRA.

Account Information : Creditor Name : Consumer Adjustment Co Date of First Delinquency : XX/XX/2023 Amount : {$640.00}
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions. '' Under 15 U.S.C 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. 
Please update the following accounts as paid, never late.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (IN)

XXXX  customer service would not remove the inaccurate items on my credit report. 
XXXX XXXX needs to be removed, that's not my last name. 
XXXX XXXX, I don't have a hyphenated last name XXXX XXXX XXXX in XXXX Indiana is not a correct address of mine. 
XXXX XXXX XXXX in XXXX KS is not an address of mine XXXX XX/XX/XXXX is not an employer. 

Factual data XX/XX/XXXX is not an authorized hard inquiry XXXX XXXX XX/XX/XXXX is not an authorized hard inquiry XXXX XXXX XX/XX/XXXX is not an authorized hard inquiry. 
These need to be removed asap.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (IL)

As I have no account with you, nor am I your customer, nor have I entered in a contract with you, I request the following information to which I am entitled under Title 15 USC 1692 et. seq., theFair Debt Collection Practices Act ( FDCPA ) : Jefferson Captial System Account number : XXXX Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

What is your authorization of law for your collection of information?

What is your authorization of law for your collection of this alleged debt?

Please evidence of your authorization to do business in my state.

Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter.

According to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and promptly, will work as a waiver to any claims in this matter, and will entitle me to presume that you sent your letter in error and that the matter is permanently closed. 
This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only and is not a statement, election, or waiver of status. I look forward to your prompt reply. I am insistent that you also send a copy of this dispute to the original creditor so that they do not report this on my Credit Report. I further insist that if you have reported me to a Credit Reporting Company, you tell them that I am disputing this debt.
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Our escrow payments went up to over XXXX per month at the beginning of the year. This is in addition to the XXXX increase from 2023. Upon contacting my tax assessor she informed me that taxes did not go up, they went down. I contact the bank because I have lived in my house over 23 years and never had such a sustainably increase and have always been in good standing with our escrow account.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (MO)

Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given u written unwritten verbal and non verbal. Per 15 USC 6802, also in conjunction with 16 cfr 313.1, privacy act of 1974 and mainly protected by FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (AZ)

XX/XX/20 and XX/XX/20 XXXX  processed/ran 2 fraudulent credit inquiries made by CitiBank N A, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX. 
I have communicated with XXXX and CitiBank since XX/XX/20. I had informed both of them that I do no business with CitiBank - no account, credit card, loan or anything. 
My XXXX  communications via telephone started XX/XX/20 to dispute above fraudulent inquiry, XX/XX/20 to place fraud alert ( which was done. ) On-going communications included calling about their dispute resolution outcome - I didn't create XXXX  account to review their outcome online but called and was informed the CitiBank inquiry would remain on my credit report. On XX/XX/20 I received another alert from my credit monitoring service for another fraudulent inquiry by XXXX - again listing the CitiBank listed above. XX/XX/20 I called XXXX and was given information on how to file a complaint with XXXX. 
My CitiBank communications via telephone started XX/XX/20. I made on-going telephone calls for days to CitiBank and was transferred to every imaginable department they had, provided exhaustive personal information and told they didn't see an account, credit card or loan application/created in my name. I also spoke with their Identity Theft Solutions Department with same outcome - nothing in my name or social security number. When I received the second alert on XX/XX/20 and called CitiBank Identity Theft Solutions Department on XX/XX/20 and today XX/XX/20 - both times they told me they didn't see anything in my name or social security number.
Consumer complaint received 2017-11-03
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Windham Professionals, Inc. (FL)

They are making calls my job when asked not to do so. The last call was placed XXXX/XXXX/17. I work at a XXXX XXXX that does not wish to take these calls.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MN)

Citibank received a copy of my bankruptcy discharge notice from the United States XXXX Court XXXX XXXX Minnesota on XXXX XXXX in regards to all of my debt with Citibank has been discharged under Chapter XXXX bankruptcy. Citibank is in violation of The Equal Credit Opportunity Act ( ECOA ) under federal law by not allowing me to apply or get a Citibank XXXX Credit Card.
Consumer complaint received 2024-02-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation (NC)

Per the FCRA, I am a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation { {$1000.00} }, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). I are writing to bring to your attention a billing error related to our account, as governed by the provisions outlined in 15 U.S. Code 1666 and 12 CFR Part 1026 Regulation Z. This billing error dispute encompasses past, current, and future Certificate of Indebtedness transactions associated with the contract in place between XXXX XXXX and Regional Finance regarding my account. It has come to our attention that there has been a failure to credit our account for the Certificate of Indebtedness, particularly concerning dividend payments derived from our treasury coupon. Despite Regional Finance benefiting from dividend payments related to this certificate, a corresponding credit has not been applied to our account from the dividend payments that Regional Finance made off our treasury coupon. Moreover, this discrepancy may be in violation of the regulations set forth in 12 CFR Part 1026 Regulation Z, which governs certain aspects of credit transactions, including billing errors. We would appreciate a thorough review of our account to ensure compliance with these regulations. Additionally, we would like to highlight a non-compliance with the Electronic Funds Transfer Act ( 15 U.S.C. 1693 ) in the crediting process. Specifically, interest accrued from our treasury coupon, as outlined by the aforementioned Act, has not been duly credited to our account through the appropriate channels. We are confident that Regional Finance values its commitment to adhering to federal regulations and ensuring transparency in all financial transactions. As such, we kindly request a thorough review of our account to rectify the billing error promptly. Furthermore, we expect a detailed explanation of the discrepancies identified and the actions taken to remedy the situation.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC (IN)

I am writing to complaint to PERSONAL FINANCE/MARIN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, IN XXXX, and my name is XXXXXXXX XXXX XXXXXXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint are XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

I hope this message finds you well. My name is XXXX XXXX XXXX XXXX XXXXXXXX, and I am writing to you regarding a concerning issue I have encountered with my recent attempts to make a wire transfer from my Chase account to another American bank. I went a couple of weeks ago to your agency in XXXX and talked to XXXX XXXX about my account. 

Despite multiple attempts, my transfers are consistently delayed and denied, and I have been receiving fraud alerts from Chase. I have diligently responded to all requests for information, yet the issue persists. This has caused significant inconvenience, and I am reaching out to seek your assistance in resolving this matter promptly. 

I understand the importance of security measures in financial transactions, and I assure you that all the provided information is accurate and legitimate. The delays in processing my wire transfers are impacting my financial transactions and commitments. 

I kindly request your immediate attention to investigate and address this matter urgently. If there are any additional steps required from my end or specific information needed, please inform me promptly so that I can facilitate the resolution. 

I appreciate your prompt attention to this matter and trust that you will ensure a swift and satisfactory resolution to restore the functionality of my account for wire transfers. 

Last but not least, if not solved this situation I will ask for the help and assistance of the Consumer Financial Protection Bureau ( CFPB ) and my attorneys will sue Chase in the United States and seek compensation for the harm they are causing me and the loss of time incurred. 

Thank you for your understanding and cooperation and please send this statement to the director or the manager in charge at Chase who can promptly address this situation. 

Your urgent attention to this issue is crucial, and we hope for a swift resolution. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX debt card number XXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FIRSTBANK PUERTO RICO (PR)

XXXX XXXX FirstBank Puerto Rico, This case was opened and closed based on the Bank 's response which was not true XXXX. 

I called them numerous times and they refused to do anything about the card, they waited and it showed in my credit report. That's when I filed the previous complaint. 

They admitted by a letter that this was an " error '' even when they lied in the statement from my first complaint. 

In that letter they claim they sent the information to the credit bureaus. They said it will take 30 to 60 days for it to be cleared.

It is still showing on my credit report. I don't believe they did anything.

I need this issue resolved, please. My credit score had an impact because of this.
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (LA)

After reviewing my credit profile on XX/XX/2024 I identified a discrepancy with the account listed under Caine and Weiner and validation was requested as this is an account that I did not recognize. The credit even called me for payment where I then requested validation it wasn't given. I reviewed my credit report again on XX/XX/2024 and the account continues to be reflected on my credit report and sent a letter to the company offically requesting proof. I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed. After reviewing again on XX/XX/XXXXXX/XX/year> there have been no updates and the account is still reflecting on my report. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account not authorization to attempt to collect in the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all the information is correct.