davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

My wife and I applied for a refinance in early XX/XX/XXXX of our Florida property and we were consequently denied because Bayview Loan Servicing LLC is now claiming that our loan modification was more than 180 days delinquent. This was not on the credit reports when we got the original mortgage loan in XX/XX/XXXX. Our account with Bayview ( XXXX ) has been paid as agreed since the contract started in XX/XX/XXXX. We have diligently been working with Bayview since XX/XX/XXXX and provided them with the necessary documentation to resolve this issue. We have supporting documents including a payment history from Bayview Loan Servicing showing pay as agreed and that our loan is current. We even filed a dispute with XXXX to have this remove from the credit report. XXXX is in agreement that the loan was paid as agreed. We had made several attempts at communications with Bayview 's customer service department only to get the same response that we need to send over the credit report to us to review and we will get back to you. This is has been happening for the past 2 months with no resolve in sight. Can some one please help us to resolve this as it is ruining out credit standing. Thank you!
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BlueChip Financial (WA)

I was contacted last year in XXXX from a harassing debt collector in XXXX saying I owed XXXX money. I was harassed at work so I took charge. I filed complaints and was contacted on XX/XX/XXXX from XXXX   stating they were sorry and were buying the debt back and the account would be noted as paid in full and all collections would cease. They stated in an email this would take a few business days. Fast forward to today XX/XX/XXXX. I get a call from an XXXX XXXX stating I owed XXXX XXXX dollars and would need to pay in full to keep from getting sued, I then contacted XXXX and was told they are in the process of still buying the debt back meanwhile I am being threatned with court and wage garnishment.
Consumer complaint received 2023-08-30
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 (AZ)

I hope this message finds you well. I am writing to respectfully appeal the permanent limitation that has been placed on my PayPal account ( XXXX ). I believe there has been a misunderstanding or an error in this matter. 

Firstly, I would like to express my genuine surprise and concern regarding the account limitation. To my knowledge, I have always abided by PayPal 's policies and guidelines. I have not engaged in any activities that could potentially violate the terms of use. Therefore, I am led to believe that this limitation might have been placed due to an inadvertent mistake. 

I kindly request that you review my account activity thoroughly. I am confident that upon re-evaluation, you will find no breach of PayPal 's policies from my end. It is of utmost importance to me that my account be reinstated, allowing me to resume my transactions without disruption. 

I understand that PayPal has stringent security measures in place, and I truly appreciate those efforts to ensure a safe online environment for all users. However, in this particular instance, I am convinced that an error has occurred. I kindly ask that you conduct a comprehensive review of my account and its recent activities to rectify this matter. 

I rely on my PayPal account for various essential transactions, both personal and professional, and the current limitation has caused me significant inconvenience. I earnestly appeal to your sense of fairness and justice to re-investigate this case and, if deemed appropriate, lift the limitation on my account. 

I genuinely value the services that PayPal provides, and I hope to continue using them with the same level of trust and satisfaction that I have experienced so far. Your prompt attention to this matter is greatly appreciated. 

Thank you for your time and consideration. I look forward to a positive resolution of this issue.
Consumer complaint received 2023-08-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TN)

XXXX XXXX apartments refused to dispute my charges, of {$430.00} and handed it to a IQ Data. When IQ Data first reached out, the representative was verbally aggressive towards me when I told him that I needed him to reach back out to the apartment complex because I didn't agree to the charges. He told me that because I didn't want to pay, it would reflect on my credit report. The calls stopped and it was reported on my credit report on XX/XX/XXXX. I then started getting calls three times a day every day. Then they called me at my office in XX/XX/XXXX. I told them not to call back so they started harassing me on my personal phone instead. I finally answered and ask for a dispute again. They had me send my concerns and proof at XXXX. I sent it to them on XXXX but the calls didn't stop after. I told them I had sent it. I sent them a desist letter asking them to stop harassing me on XXXX and it was delivered XX/XX/XXXX. Following that letter, they called me on XX/XX/XXXX and they called my husband two times right after calling me to dispute the debt with XXXX XXXX. I sent a request to the three main creditors, XXXX, XXXX, and XXXX, to dispute the credit inquiry. They followed up with a letter, on XXXX letting me know that they will not conduct an investigation to dispute the charges and are charging me {$38.00} in fees plus XXXX percent per annum. Apparently I know owe them {$480.00}. I never agreed to paying late fees or the debt that they keep saying that I owe.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

hello, the former employer did not confirm my salary check in the bank, because of which my bank account was blocked and then completely closed, due to the fact that he does not answer calls and does not confirm the salary check that he paid me for my work earlier. his phone works, I wrote him requests for his XXXX to confirm this check, but he said that he would not confirm until I publicly apologized to him, and also said that I should sign a paper stating that I had no claims against him and only after that he will confirm this paycheck. I want to clarify when I got a job with him, we did not have such conditions. i have gone many times to the bank they tell me there is nothing they can do and that i have to ask him to confirm the check or find his number to which he will answer, but he does not have another number, he is just trying to create problems for me by blocking my account.
Consumer complaint received 2023-08-18
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America did a hard inquiry on me and reported to Credit Bureau on XX/XX/XXXX, I never applied for anything with Bank of America, similar issue last year XX/XX/XXXX. I have called several times and went to a local branch, received conflicting answers. I want the Bank to verify this and NEVER do a hard inquiry on my record without my permission.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OR)

There is some information that does n't belong to me. 
I 've never lived in any other state outside of XXXX ; I 've noticed there is an address " XXXX XXXX, in XXXX state " this information is not mine.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX I utilized accumulated points ( XXXX the equivalent of {$590.00} ) to reserve a rental car in XXXX XXXX XXXX, starting XX/XX/2023 until XX/XX/2023. Got a confirmation # XXXX. This booking was done through Chase Travel. A Trip I.D . # XXXX was issued to me. Pick up time of XXXX at XXXX XXXX XXXX was arranged. We would be picked up at the airport and shuttled to the XXXX XXXXXXXX XXXX XXXX XXXX location. We arrived by XXXX XXXX flight # XXXX that was on time. Upon reaching the arrival area, no XXXX XXXX Representative could be seen. Call the XXXX XXXX XXXX # listed on the voucher and the phone was not answered. We had to scramble for transportation by taxi as no cars we available from other companies. Upon reaching our accommodation we called Chase XXXX and complained about not being pickup nor being able to reach the company by phone. Requested a refund of points. On Sunday XX/XX/2023 we received an apology from Chase XXXX for the delay in answering our refund request. On Monday XX/XX/XXXX, XXXX we received correspondence from Chase XXXX stating that request was denied ; Reason : I did not qualify for a Security Deposit Check. I who hold a Chase card through which the car was rented. I never got the car nor points back. XX/XX/2023, I responded to denial of returning my points. XX/XX/2023 got an additional denial to another request flied. Made several calls to Chase Travel submitting request for reinstatement of points only to be taken through what was called an escalation to 2 or three experts in the travel department and the ultimate denial. On XXXX XXXX an expert with Chase Travel wrote to say I was awarded 7500 Goodwill points. I lost 47272 points and I need a complete restoration. In my opinion that would only be fair. Chase Bank needs to take responsibility for that. I was instructed to make an appeal. Embarking on the appeal process revealed it to be a sham. I was asked for the Trip I. DXXXX # XXXX. When I provided it, they respond that that # could not be found therefore I could not proceed. It was nothing but another exercise in frustration to help in defrauding us.
Consumer complaint received 2023-10-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (CA)

I was contacted by a person representing themselves as XXXX XXXX, a XXXX  national living in XXXX, XXXX. He sounded legitimate, so I agreed to what seemed like a too good to be true offer at the risk of {$49.00} to begin with. He had me attempt the transfer through a company called Wise, which has acted in extremely bad faith, threatened and coerced me, to make payments to them through unusual and uncustomary means requiring me to share excessive personal information such as copies of my passport with them, to the point of refusing my payment to clear the matter up rather than accept any usual and customary form of payment such as personal check, credit or debit card, XXXX or XXXX. 

On XX/XX/2023 XXXX XXXX used his access to my ads account on XXXX to create an unauthorized XXXX account, which apparently was bad enough that it immediately violated XXXX XXXX community policies and caused my XXXX, and all XXXX  accounts ( XXXX ) to be disabled. 

In retrospect, it appears that Wise may be involved in some kind of money laundering scheme with this person representing themselves as XXXX XXXX. I suspect I was being set up for a much larger transfer and identity theft due to the proposed deal with XXXX XXXX. Furthermore, with his, confirmed by bank transfer, connection to XXXX, I have become somewhat concerned that this money laundering may have some connection to XXXX XXXX
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Discover Bank Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 section A states I have a right to privacy.

15 U.S.C. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF THE WEST (MO)

On or about XX/XX/XXXX I XXXX XXXX opened a checking account thru bank of the west online I had to verify my personal identifiable information by providing a picture of my Driver 's license and provided my social thereafter I was notified I had until XX/XX/2023 to fund my account for it to remain open! I intended and even used routing and account number on my federal tax refund to be direct deposited in my bank of the west checking account yesterday XX/XX/2023 when I called online customer service and a local branch in XXXX I was notified my account has been closed! Bank of the west closed a new account of mine without any due notice to me even still getting text messages attached showing I had until XX/XX/XXXX to fund it! Now my taxes will be rejected and mailed to me and bank of the west caused me economic harm and potential violation of Missouri human rights violations since I'm of diversity and they did this without notice! Shame on Bank of the West for causing me economic harm! How u gon na have me verify my identity online via my ID and SS # and then close the account without any notice or without merit!
Consumer complaint received 2016-09-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MN)

I am a consumer who experience the fraud of Wells Fargo and opening accounts. My children are XXXX and there was a business account opened by someone else in my name without any paperwork being signed by me in XXXX, MN. I went into the branch at XXXX, MN and it resulted in the account being closed and I preferred another bank.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CT)

My student loans were moved to NelNet as the provider. I opted into the " SAVE '' plan but the payments did not lower for me, so for the past month I have submitted requests on their website from my account to change my payment plan. The website has many options for self-serve, but all my requests go un-answered and never change. I try to call but receive messages for long wait times, and even when I wait, I get hung up on.

I need someone to contact me and actually help fix my Student Loan plan before my payment is due on XX/XX/2023.
Consumer complaint received 2023-08-10
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the fair credit reporting act, XXXX XXXX XXXX ACCT # XXXX has violated my rights.

15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A section states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure