davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC (MA)

Hi XXXXXXXX ; how are you? I just got off the phone with your representatives and it looks like that the account was transferred to GC SERVICES, but i was never informed and it's not even reflecting on my credit report who to contact. When i called your company and XXXX recovery team, they stated that i have to call different company which is not listed on my credit report. Please delete! I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXXXXXX XXXX in the amount of {$71.00} XXXX XXXX XXXX in the amount of {$920.00} XXXX XXXX have notified me that they have communicated to you to delete 2 accounts in the amounts of {$310.00}. Yet you are still reporting them on my credit file. If these are not removed I will be definitely be forced to sue. How can you report something that even XXXXXXXX XXXX have deemed to not belong to me. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MD)

We paid our Citi credit card statement balance of {$16000.00}, via the internet, on XX/XX/2020. Citi withdrew the funds on XX/XX/2020 from our XXXX XXXX account. However, they have told us that the funds will not post to our Citi account until XX/XX/2020. 

Why are they allowed to " hold '' funds for 14 days?
Consumer complaint received 2020-05-25
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: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank # XXXX Just learned that exgirlfriend put me on account as authorized user without my knowledge. It is now on my credit report and keeping me from aquiring a home for my XXXX children. The debt is not mine.
Consumer complaint received 2020-07-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

I've been having problems maintaining my account due to XXXX. I am still on CARES ACT XXXX. Therefore I am politely, yet sternly demanding all {$210.00} collected from me in overdraft fees from XXXX be returned to my account or risk losing me as a customer. I've been with WF for some months and I wish for it to stay that way. You guys make billions every year in overdraft fees alone and to be quite honest I hope legislation will happen within the next few years that require you guys to not charge more than a certain amount per day/ transaction. I have a kid to raise and bills to maintain, please don't get in the way of that.
Consumer complaint received 2021-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (GA)

XX/XX/XXXX chime closed my account asked me to send in information I did that they informed me they will send the funds XXXX back to XXXX XXXX which they never did they blocked me from calling sent an email that they will keep my funds
Consumer complaint received 2020-05-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (FL)

I was told to do a consumer report so that is what I am doing I am a XXXX woman I get my XXXX on a card call direct Express well my money goes in every month on the 3rd I was very sick this month I checked on the XXXX I got to put my card number and it would not take the pin number it said that it had issued me a new card I did not understand why so I asked my son to bring me my tablet and I checked it everything look just fine my money was in there nothing was being pulled out so maybe I just figured they were just sending new cards but I could not get a hold of them with the number on the back of my card I tried and it rang and it rang until it hung up and then again I tried on the XXXX I put my number in it refused to take my card number or my pin I had to do it through my social security I did it told me again that it had issued me a new card but they gave me a different address which I did not understand so I try to reach them again and stole it just rang rang and then it hung up on me and finally my son brought the mail or Friday right before it which I'm not exactly sure what day that was and there was a little card that asked me if I had changed my address that little card have a different phone number I called them on that number and I got through to them they said that they will send me some documents for me to fill out and fax to a number they gave me it took almost four days for them to do so but I did fill it out and send it back buy fax.they also said that I had to make a police report because this was identity theft because the person that caused had all my information and that's how they were able to change the address so I did what does that but the last person I spoke with said that this was the last step. The full amount that they have taken out of my account is XXXX and this is the card that is given to all Alder people that are on XXXX students that are in college that have probably experienced the same
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00}
Consumer complaint received 2020-09-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (CA)

XXXX and XX/XX/2020 I fell behind on my car loan payments. 
XX/XX/2020 I received assistance from Wells Fargo COV ID relief program which brought my loan current. 
XX/XX/2020 my car was repossessed in XXXX XXXX while I was present breaking Governor XXXX 's Stay At Home Order and also causing a Breech Of Peace. 
XX/XX/2020 Wells Fargo denies ever receiving a request from me for assistance. 
They respond with they have been calling me. 
They sent me payment reminder emails 2 x a month up until XXXX which clearly coincides with me accepting assistance in XXXX. 
XX/XX/2020 I ask Wells Fargo if they can help me and they advise me they will cover all repossession costs which total XXXX for COV ID relief. 
XX/XX/2020 they issue a NOI statement demanding the back payments with the repossession included. 
XX/XX/2020 I recieve an email from Wells Fargo saying they will honor the XXXX but will not change it on the NOI statement therefore forcing me to pay the repossession fee. 
XX/XX/2020 after paying an additional XXXX that should have been applied to my loan I recieved a letter from Wells Fargo indicating that my loan was at default for stop payment on a check that Wells Fargo lost and was also advised of a reissuenice, but decided to cash anyway.
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CO)

I was shopping at Macy 's on Sunday XX/XX/XXXX in XXXX XXXX Colorado. I wanted to use my Macy 's card. The clerk, whose name I remember is XXXX, told me my current card was expired and I had to apply to renew my card. 
I was a bit confused but agreed, he did not tell me this was a brand new credit card with American Express. I was not informed of anything. This is total fraud. 
I only knew when I looked at my receipts later where it said I had a new Macy 's American Express card and it was separate from my current card. 
I went to the service desk where people return items and someone said sorry and I believe she also lied to me, saying that in order to use my existing card again they would have to do a soft credit check anyway so no big deal and she would talk to XXXX. 
I feel violated by this action.
Consumer complaint received 2020-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

I have been trying to set up my XXXX  account to link to my PNC checking account for a long time now. Every time I try it comes up with an error that says PNC made changes to not allow me to link it. I would like to begin investing but I am unable to use my investing account because of this. The only options left are to file a complaint or change banks which I would not like to do. I need PNC to change this and allow access to transferring money to my XXXX account.
Consumer complaint received 2021-02-24
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: WELLS FARGO & COMPANY (CA)

Consumers beware! If you are a Wells Fargo customer and you notice fraudulent transactions on your chipped credit card, report it as " stolen ''. My card was in possession, it never leaves my house and is only used for utility payments, but somehow there were multiple unauthorized transactions on my card. I've contacted Wells Fargo many times about this and they insist that those transactions were in fact authorized by me simply because the card is in my possession. The unauthorized transactions total over {$1500.00}, effectively eliminating my government stimulus. I am very disappointed in Wells Fargo and its fraud department being that I've been a customer of it since I was a teen. I've read about many scandals involving Wells Fargo, and I highly suspect a Wells Fargo employee to be the culprit. I urge all consumers, if you haven't already, to switch to a different bank.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

The vehicle is a XXXX XXXX with vin XXXX and the account number XXXX. 

I paid a XXXX lease in full and returned the vehicle in pristine condition, and well under the mileage limit allowed from XXXX XXXX to XXXX XXXX. 

I was told that there may or may not be an additional payment depending on XXXX 's final evaluation of the vehicle. I was in the process of moving from XXXX  to XXXX  in XXXX and lost track and contact with the company through time. 

The account was showing a status of " Paid, closed '' previously but ended up going in to a collection status for {$380.00}. I thought there was a mistake so I disputed it and around that time my credit score decreased by 100 points. 

There was a lot of confusion so I payed the additional payment but the account status is now showing up as 24 Charge off 's. This is frustrating because its derogatory and looks bad after I paid in full as agreed for {$17000.00} plus the exiting {$380.00}, and is obviously affecting my score negatively. 

I tried contacting XXXX several times to try and come to terms on this, but I keep getting shifted around, or I need to set up a new account but don't have information to start an account etc.. They're very difficult to work with, and to get in touch with the right people seems nearly impossible.
Consumer complaint received 2018-09-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (FL)

XX/XX/2018 filed for a short sale XX/XX/2018 notification of incomplete materials submitted XX/XX/2018 materials submitted and approve XX/XX/2018 denied for expiration of materials Resubmitted in XXXX application complete XX/XX/2018 approved for sale XX/XX/XXXX nitrified of expiration of submitted materials Reapplied no communication from Ditech Mortgage or XXXX XXXX
Consumer complaint received 2021-03-28
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 ()

Paypal has closed my account for several weeks now for no reason and all my efforts to try to reach them to settle this has been futile as my funds were held with the account. I was advised to file a report on here as i feel paypal arent doing thier jobs properly and thats affecting me a great deal as i use paypal frequently and i have money stuck there. The email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-10-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (OH)

This is a brand new complaint. Affirms has not resolved the issue. I need # '' s name and address for the legal department. I keep getting hung up or told that affirm only follows XXXX policies. Do not close this complaint as duplicate because it's not resolve and needs addressed. 

affirm refuses to send me any kind of proof that i owe this loan. i do not owe because i never received the merchandise. there is no proof i received the merchandise or opened this account XXXX from affirm ( XX/XX/22 at XXXX ) said my account with affirm will be deleted and my money refunded on XX/XX/XXXX. I have this phone call recorded.I am tired of being forced to pay this loan when I do nopt have the merchandise I am tired of being lied to by affirm. I do not owe this loan and I am being XXXX  to pay. Affirm credit financed an item for me from XXXX the order number from XXXX was XXXX. The package from XXXX never arrived, although tracking shows it was delivered, I never received the package. I asked XXXX to help but they refused saying the packaged was delivered and i need to dispute the item as not received with Affirm. {$440.00}. So i finally disputed the item as not received with Affirm and i immediately got an email that says even though i disputed the item as not received with affirm their is nothing they can do because they must always follow and do anything XXXX tells them. This is ridiculous I do not have a valid loan with affirm because i never received the item. So i have no merchandise but yet I have a loan with affirm and they refuse to help in anyway and they have also threatened if i miss one payment they will ruin my credit for life. I am being XXXX  by affirm. I do not have any merchandise but they are charging me for it and refuse to help or investigate. I want this loan account cleared and marked paid in full because I DO NOT HAVE THE MERCHANDISE. Attorney general is also being contacted
Consumer complaint received 2020-09-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

I have written and mailed in letters to this company regarding my college attendance. The status of the loan reported on the credit report is incorrect it should not be delinquent it should be current or deferred I have not received any communication back from the company no correction has been Made on this account by the company. I am currently attending college and would like the credit rating to reflect current not delinquency.
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX with a Original Balance of {$250.00} is being reported as multiple lines as if I have several accounts as well and the balance has not being reported correctly.This account has been paid in full since XX/XX/2020 and it has yet to be reported correctly. despite the submission of proof.
Consumer complaint received 2020-07-07
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: JPMORGAN CHASE & CO. (PA)

Jpmcb - Card Service failure to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.
Consumer complaint received 2020-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (GA)

Enhanced Recovery has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. 


I have no idea who Enhanced Recovery is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Enhanced Recovery is indicating that an account with the account number XXXX was opened with their company in XX/XX/2020. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from Enhanced Recovery via certified mail RR # XXXX XXXX XXXX XXXX XXXX and the company has ignored my request. 


When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Enhanced Recovery as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Enhanced Recovery } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to Enhanced Recovery, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

My total Care Credit loan was for XXXX My promotional period was no interest for 18 months I paid more than than my monthly due to pay the loan off well my remaining balance was XXXX I recieve a bill for XXXX they charged me 26.99 % for the entire loan amount not the remaining balance!!
Consumer complaint received 2021-02-24
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. (PA)

I noticed fraudulent account on my credit report that are reporting inaccurately. I called these companies to dispute but they never did anything. I even sent letters to them 3 weeks ago still no reply. Multiple debt collectors have contacted me which is violation of usc 15 I want proof that I signed for these accounts and i want proof that I owe any debt.