davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
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: WELLS FARGO & COMPANY (MA)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NY)

Venmo froze my account and then required I provide proof of my identity to them which I did immediately and received no updates, no contact info no addiontal information whatsoever until a week later when I was told after an investigated they had determined I violated their business practices, they have permanently closed my account and they would not be releasing any remaining funds ( XXXX ) for up to 180 days. no explanation, no phone number or email exists for that department even after calling Venmo customer support I was told they know nothing about those investigations beyond seeing my account was in fact frozen and being looked at. there is no recourse, they will not even disclose what the violation was. no info at all was provided to me.
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NJ)

My spouse and I had a joint Citi Priority account with Citibank , N.A . We closed the account because it no longer met our needs. We withdraw funds from the account to do so, but accidentally withdraw {$0.00} too much ( XXXX cents ). When we realised this, we transferred {$5.00} to cover the {$0.00}, and closed the account. 

Citibank, however, kept the account open because it had a balance associated with it, and then began applying both monthly service fees and overdraft fees on these monthly service fees. Three months after we closed the account, we have begun receiving repeated collection notices for an increasing overdue amount that grows each month, even though the account has now been closed by Citibank. The amount that Citibank now says is owing is {$120.00}. They have been sending mail requiring payment every few days. When we tried to call them, the representative went through Citibank 's rationale for all of their charges, put us on hold, and then the line went dead. 

This seems unreasonable, at a minimum. We would like Citibank to stop sending these notices and to admit its mistake in not closing the account when requested to do so. We are happy for them to keep the {$4.00} or so that we overpaid.
Consumer complaint received 2020-08-13
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: EQUIFAX, INC. (FL)

The following account ( s ) must be deleted from my credit report as a result of fraud : 1. Identity Theft XXXX  XXXX Account XXXX : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities. 

2. Identity Theft XXXX  XXXX  Account Number : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This account is on my credit report as a result of fraud. I did not apply for this account and it does not belong to me. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities.
Consumer complaint received 2020-08-13
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$490.00}, {$6600.00}, {$14000.00}, {$290.00}, {$65000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$490.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$290.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$65000.00} -This is not my account.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

I bring my all bank statement year XXXX and when I get there a banker said nothing wrong with my bank statement.and my all dispute was not all resolve. My tax return last XXXX was cash to Wells Fargo without my knowledge. Case not resolve.
Consumer complaint received 2020-08-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

Due to Covid 19 we requested information to Flagstar bank about a mortgage forbearance plan In XXXX. We decided not to go that route because we could still make payments with savings. Months later after diligently making all payments we decided it was time to get in a forbearance plan. They informed us that we already were in a forebarance plan and it ended XXXX. We tried to explain we just requested information and told the mortgage loan officer no to the forebarance plan in XXXX. We also did not sign any documents. However they said that there was nothing they could do and that we agreed to it. However, they have no proof besides us just asking for information. I spoke with XXXX supervisor of the west coast ( XX/XX/12 ) XXXX XXXX and she said there was nothing I can do besides calling back tomorrow. She gave me no corporate number or place to file a complaint. We are so sad and devastated that in such hard times Flagstar is refusing to help its customers. We never agreed to a forebarance plan. What can we do to fight this?
Consumer complaint received 2020-08-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (TX)

My Venmo got frozen a few months ago, and the executive office has mail me an letter saying they are going to hold my funds up to 180 days then I can withdrawal on or before XX/XX/2020. But right now, I'm unable to login to my old Venmo account due to I changed my phone number and I had my old phone number linked to my old account so I'm unable to receive code to verify my account, I tried to login with old device but it still asked me to sent a code to old phone number XXXX.
Consumer complaint received 2018-11-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (FL)

On XXXX, XX/XX/2018, Hunter Warfield ( Bill Collector ) contacted me at XXXX which is an observed Holiday and known inconvenient time in which was a violation of FDCPA laws. They first would only ask for me by name and would not tell me where they were calling from which is a violation of TCPA laws. They did not tell me that the call was being recorded at the onset of the call in which also is in violation of Florida law. 

I had let them know that it was an observed holiday and an inconvenient time and they did not care and they were quite rude in regards to speaking with me, again before I was to sit down for XXXX dinner. I had called back and asked to speak with a manager who I had told that they were contacting me on an observed Holiday and he did not care and became rude with me as his only care was my bill. 

On XX/XX/XXXX they had contacted me again on my cell phone while I was at work. Again asking for me by name and not telling me who they were until I was upset. Once this occurred I had spoken with them in regards to the holiday call and they did not care and were rude. I let him know I was going to speak with my lawyer into the matter to see if this was legal. The individual became even more rude and disconnected the call after he was insisting I give him my lawyers contact information. I had told him I would connect with my attorney prior to them speaking with him in which he just threatened he has 14 days to contact him. I had called them back and spoke with someone else in regards to how I would not be threatened or spoken too in that manner and that I was reporting them to the XXXX/CFPB and possibly my State Attorney General. 

This type of business practice must stop. I have told them where my bills are and when I can make payment and they do not care and just become more rude. They have contacted me many times prior to this but I was not tracking it as I am now. I have seen that there is over 500 reports against them with the XXXX XXXX in which I have filed mine as well now. I need assistance in this manner.
Consumer complaint received 2020-08-10
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: LendUp Loans LLC (MO)

I have a loan with LENDUP, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXXXXXX XXXX, XXXX, LENDUP, XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-07-12
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. (FL)

Hello! a family member of mine opened accounts in my name and I have a bunch of fraudulent inquiries on my credit report that I didn't authorize. I've attached my Identity theft report, and proof of my ID.
Consumer complaint received 2021-07-12
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: EQUIFAX, INC. (FL)

Hello, I have contacted XXXX, Equifax and XXXX  regarding inaccurate information reporting on my credit report about " XXXX XXXX XXXX XXXX XXXX '' I think the agencies bureau act intentionally reporting false information on my credit report.
Consumer complaint received 2018-11-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bankers Auto Acceptance (CA)

XXXX XXXX employee, XXXX, calls me repeatedly. I paid my XXXX payment but they will not put it towards my car because I did not have insurance at the time. I sent my new insurance to the company and they deny to have ever gotten it. Ive talked to XXXX several times and she just laughs at me and continuously yells over the phone that its my problem and I need to fix it. After wanting my current insurance, they started to ask for months prior ( XXXX ) when they should have it because I turned in the insurance documents to the XXXX and they sent the documents to XXXX XXXX. They want to charge me XXXX again, because the money I paid towards my car payment now went to them as insurance fees. They continuously send me letters saying I am in collections now. They sent someone to my house to take my car or threaten to take it because it was 10 days late after taking my money for insurance fees. 
The photos provide the letters sent to my house about collections, my old insurance, my new insurance company and a bank statement as to when I paid my car in XXXX.
Consumer complaint received 2022-02-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rausch Sturm LLP (MD)

I had a XXXX credit card for years, paid never had a problem until I purchased an expensive television ( {$2000.00} ) in XXXX that stopped working after 6 month. XXXX would not fix the television and I was not paying the full amount for a television that didn't work. Fast forward to XXXX of XXXX my daughter and I had a joint an account with XXXX bank my daughter called me crying said telling me that her money was frozen for my garnishment from XXXX ( South Dakota ), XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX SD  XXXX. I had no idea this was happening at first the real confusion came with the fact it was XXXX. XXXX final gave us the information of who to contact Rausch Sturm, LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX WI XXXXXXXX. It took us weeks to get through. When I finally got thru they were no help I never received anything from the XXXX XXXX Courts or from Rausch Sturm , LLP letting me know anything let alone be legally served with this garnishment. The amount taken was from the account was {$3000.00} the principal amount of the judgment was {$3000.00} they never sent conformation that the money was taken or received until XX/XX/XXXX when I finally got thru to them again. I was trying to refinance my home and it was stopped because of this garnishment of property. To this day {$540.00} is still being held by XXXX for the garnishment I contacted this Rausch Sturm, LLP law firm again asking that they please fix this situation consider I was never notified and they had their money but all they did was refile with the XXXX XXXX Courts to request for garnishment again. I don't understand why or how this is still a problem. This is causing me not to be able to go thru with the refi and has already went passed the date so they have raised the interest rate.
Consumer complaint received 2020-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

A full explanation is to be found in the attached correspondence, which was sent to FedLoan Servicing directly, however, please accept this summary. In XXXX FedLoan Servicing confirmed that my employer, the XXXX XXXX XXXX, was a qualifying employer under the XXXX XXXX XXXX XXXX program. They confirmed this several additional times via annual recertifications. In XXXX, nearly five years into what would have been a 10-year repayment schedule, I received a letter stating that they had certified my employer 's eligibility in error and were retroactively withdrawing credit for all of the qualifying payments I had made to that point. 

I made career and repayment decisions based on the certification of my employer 's eligibility and planned on loan forgiveness after making 120 monthly payments. As a result, I worked in a XXXX XXXX XXXX and earned less income than I might have otherwise. I also participated in the recommended repayment program and made lower payments, which resulted in interest adding to the balance of my loans faster than I was repaying them. 

This exact issue was litigated by the XXXX XXXX XXXX, which prevailed on the basis that the Department of Education had harmed borrowers and violated the law. I sent a formal appeal letter to FedLoan Servicing describing the situation and the harm they had caused me but was sent a form rejection letter. Upon calling to discuss the matter further one of their customer service agents said something to the effect of my letter being " bla bla bla. ''
Consumer complaint received 2020-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2020 To Whom This May Concern : I've spent last three days starting on XX/XX/XXXX trying to find out why my Vantage Score displayed on the Chase Credit Journey dropped from XXXX to XXXX practically overnight. I've contacted XXXX who is the credit bureau connected to the Chase Credit Journey website and Chase Customer Service then Chase Credit Specialist Unit and also the Chase Credit Journey Customer Service. I've ordered all my credit reports from all the three credit bureaus and there wasn't anything significant on any that would indicate a decline of 139 points. I have disputed a few minor discrepancies such as wrong telephone numbers or addresses and they were addressed. I have also been told by the credit bureaus that my score was unavailable with no explanation. I've never made a late payment on my only credit card, Chase Freedom or applied for a loan, mortgage or anything as of the like, period. I've asked for advice from Chase and XXXX and was told to ask a Licensed Credit Advisor.  I'm on Social Security Disability and by no means can afford to pay a Credit Advisor. Someone needs to give me an explanation for all this confusion and take responsibility for this mistake or mix up. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I was charged interest of {$22.00} on an item I did not have possession of. The purchase was made XX/XX/XXXX for a refrigerator in the amount of {$960.00}. It was supposed to be delivered on XX/XX/XXXX. I went to Home Depot and cancelled the order on XX/XX/XXXX. My statement shows I received a credit of {$950.00} ( don't know why {$10.00} difference, but that's not the problem ). It also shows an interest charge of {$22.00} on XX/XX/XXXX for the refrigerator I NEVER HAD POSSESSION of. This is continuing the rip off by Home Depot of what they describe as " practices complying with all applicable laws ''. No wonder they push for paperless statements. 
I recently filed complaint XXXX against Home Depot 's billing.
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I am XXXX XXXX working as a XXXX/XXXX in which my business has been detrimentally effected by this pandemic. I applied for an economic injury disaster loan ( EIDL ) through the Small Business Association ( SBA ) on XX/XX/2020. I was approved for {$20000.00} on XX/XX/2020 and my chase account was funded on XX/XX/2020. Two days later, I tried to access my funds at a chase ATM and the transaction was declined. I was then given a receipt with a XXXX number to call. I tried to call in but unfortunately the wait time was over an hour. The next day, I decided to head down to the nearest Chase branch and speak with a Branch Manager. Assuming chase just wanted to verify my identity, I brought with me all supporting documentation, three forms of ID, SS Card, and my signed Loan Authorization and Agreement ( LA & L ) directly from the SBA. On XX/XX/2020, I spoke with Branch Manager XXXX XXXX and explained my situation to her. She verified 2 forms of ID and stated she would call the specialist/fraud department to see what was going on. Upon her return she stated that i would need to provide a EIN number or Article of Organization in order to access my funds. Why do I need this information if I'm an XXXX XXXX???? I then explained to her that since I structure XXXX XXXX as an XXXX XXXX by law I dont need that information to operate XXXX XXXX. I opened this personal account specifically for this loan plus accounting reasons and to fulfill all the necessary requirements and guidelines regarding this loan. Its not right that they are freezing this money solely because it was deposited in a personal account instead of a business account when the SBA clearly verified all my account information prior to disbursement of funds. Due to these poor business practices, I have no capitol to pay rent or feed my kids. I relied on this loan for many business needs/payroll to myself especially and this bank has crippled me from carrying out my day to day operations. Its totally unacceptable that they freeze my funds when SBA clearly approved me for the funds to be deposited into my personal checking account due to me being an XXXX   XXXX. This bank clearly needs to do more research on the laws and requirements surrounding independent contractors because we are not required to have EIN numbers or Business Accounts
Consumer complaint received 2020-08-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (CA)

We applied for refinance and the whole process tool 6 months. 
The problem was not the delay, but how unprofessional the Citibank people were. Why never kept us in loop or give us any updates. 
We lost almost 6 months in the process and lost other good offers from other banks. 



XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX  ( 2 days ago ) to XXXX Hi XXXX, It has been 2 weeks since I sent my latest updated documents and 1 weeks since my complaint for escalation. I have not heard back from you. I checked loan status online and it shows no progress since XX/XX/XXXX. With no response and no correct information I feel we are in dark and have no information to make any decision. It has costed me lot of money with high interest rate for 5 months + interest rate for heloc + appraisal money. 

While waiting for your response on escalation for a week and still waiting, I have shopped around and I am getting same interest rate of 2.875 % for XXXX arm from other bank. I do think the product and term provided by Citibank is the best and that is why I chose to go with Citibank at the first place. But if the loan does not close and keep costing me money then there is no point for me to wait. 

At this point, I feel that if you can not give me guaranteed closing date in this month, then I would prefer to cut my losses and go with XXXX arm with other bank. 

I will wait for your reply until Wednesday morning and if I dont hear back from you with guaranteed date then please cancel my application and return the appraisal fees. 

Thanks, XXXX
Consumer complaint received 2021-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NC)

my husband lost his job XX/XX/XXXX do you to Covid we were unable to make our mortgage payment from XX/XX/XXXX through XX/XX/XXXX the company my mortgage was with that offered me the forbearance plan that would be good through XX/XX/XXXX sold my loan in XXXX to a new company. That company is not working with me to get the, What I thought was a Covid forbearance, And was scheduled to be deferred but that's not happening with the new company my goal is to refinance this loan as soon as I get this taken care of but they are not working with me I am at a loss they keep telling me My mortgage is XXXX days past due