davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NV)

Hello, I am a US citizen and Nevada resident. I have ample evidence to support all claims I made in this complaint. I have been trying to transfer my crypto off of PayPal for a month and have spent hours on phone calls with them for weeks now.. They have permitted 3 transfers to go through to 2 different wallets but seem to randomly block some. At this moment I am completely unable to transfer my assets off their platform. Their system sometimes allows use of my phone number registered to my PayPal account for XXXX and sometimes gives the message This type of phone number isn't supported.. Check your number and try again. I have a standard US phone number with XXXX. I have been careful to stay within their weekly transfer limits and carfollowed all their security procedures. I have had an account with them for 20 years. A few times PayPal has attempted to blame XXXX wireless for PayPals internal sporadic firewall issue. I have had lengthy conversations with XXXX which I have been a customer for over 20 years as well. PayPal additionally claimed my address for my phone did not match the address I have on file with PayPal. These are just a sample of the creative excuses they have come up with. They have never been able to explain why 3 transfers were permitted to my wallets and now they are blocking them. I want not forewarn you that if they say I have the option to sell my asetts on their platform I can then withdraw US dollars- this is entirely unacceptable because I will incur a substantial fee from PayPal and this is a taxable event and I am not wanting to incur a tax bill at this moment. I
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Subject : A {$1000.00} withdrawal that I knowing did not make. ; Reference The second phone call with Wells Fargo with XXXX XXXX and XXXX, the Wells Fargo investigator, XX/XX/XXXX On XX/XX/XXXX, I went to the Wells Fargo ( WF ) Branch, office, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, Ca, XXXX, to deposit {$1000.00} in {$20.00} bills at one of the outside ATMs. All the ATMs are located outside next to each other in row. The ATM accepted 30 bills and rejected 20 bills. After the {$600.00} deposit, I have a paper receipt showing the {$600.00} deposit at XXXX tried to deposit the remaining {$400.00}, but the ATM rejected my debit card. Taking my debit card I went inside to deposit {$400.00} left which took about 7 minutes.The teller told me the ATM would only accept 30 items. IThe next morning I looked at my WF account on my I phone and saw the online receipt for the {$400.00} deposit at XXXX XXXX, and an online withdrawal receipt for {$1000.00} at XXXX XXXX. I.am respectively requesting documentation of the phone call and what the conclusions were by Wells Fargo of the following items. 1. Verbally, what I understood was that the camera ATM records were reviewed and nothing was observed. What did that mean?. Was i recorded taking the money? There are 3 ATMs at that location, I used the extreme left ATM, nearer the street..Was that the ATM camera reviewed or is there only one camera for all 3 ATMs? 2. The Wells Fargo letter of XX/XX/XXXX, states a {$1000.00} withdraw was made at XX/XX/XXXX, XXXX XXXX. My {$600.00} deposit was made at XXXX. Wells Fargo started that time stamp was not important. Why not?. 3, Request that the camera records be reviewed for 65 minutes, starting at XXXX XXXX  to see if anyone else picked up any dispensed money.. I can potentially claim stolen property funds on my tax return Thanks you
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On : XX/XX/2021 my checking account was scammed/fraudulently of {$1000.00}. 
my bank info. : Fifth Third Bank Src Trac # Seg - Serial # - Date Posted - Amount - Description - A - XXXX - - XX/XX/2021 - {$780.00} - Sent XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX - - XX/XX/2021 - {$210.00} - Sent XXXX XXXX ID XXXX As of present time and regardless of the many items of info. I furnished Fifth Third Bank ; including XXXX County Sheriff 's report ; I have not received any compensation or replacement of funds. Also, I NEVER used XXXX! The {$1000.00} stolen was used to buy XXXX gift cards under the name of XXXX XXXX. 
Thank You for your help.
Consumer complaint received 2020-05-30
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 have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XX/XX/2015. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NE)

Chase locked my online access due to unusual activity and told me to call XXXX. I called and after a long runaround from various departments, they said the Savings and Checking account is restricted due to an unresolved claim. I was told that I could visit a branch to withdraw my funds with a personal banker. I drove four hours to visit a branch and was told that they could not help me. I spent days on the phone trying to get help and being treated badly by this company. l 've accepted the fact that they are going to close the account after 10 days and l 've been calling and asking them to just close it out immediately so they can give me back my money. Now l 'm stressing about are they going to even give me my money back, how are they going to give it back to me. My savings account has {$8000.00} in it which is everything that I have and I don't even know what to do because I do not have an address for them to send a check to due to losing my place of living with no access to my money. Now that all the claims are closed and there are no pending issues I should have help to withdraw or transfer my funds. This is unacceptable for Chase to treat so many people this way. I am a single mother with no other means and Chase should be ashamed for the way they treat their customers.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I signed up for the Transunion Credit Reporting and thought it was free. I used it for a couple days then decided it was no longer needed. Now, I've been making payments on my credit card for months and didn't understand why my balance wasn't really changing. I looked to see if there were any other charges besides interest and there were. I tried logging into my account but when I get to the security question it will not let me pick one to answer. I've called them over the past week and sat on hold every time for hours at a time.
Consumer complaint received 2020-05-30
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (PA)

I have reached out to The DEPARTMENT OF Education to change the incorrect information. I was never late 90 days in XXXX because I was and still am a current student. I had a in school deferment at the time. I have sent this information to the credit bureaus and to Navient/ Dept of Education . Nothing has been resolved yet.
Consumer complaint received 2022-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card per FEDERAL LAW 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or other services on credit. Notice, congress said ANY card, the credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. I sent them a certified letter XX/XX/2021 and got noticed that they received it. Pursuant to 15 USC 1681a ( 2 ) ( B ) these transactions should be removed from my consumer report expeditiously. I am demanding that you block and remove these transactions from my report as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41. Your office is on notice you have 30 days.
Consumer complaint received 2021-04-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I recently sent a dispute letter to XXXX XXXX and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: RFNA, LP (GA)

XXXX XXXX  has been reporting in account payment amount to my credit report, which is hurting my credit report .I called XXXX XXXX several time to update my credit report and there were no response. 180 days late is inaccurate
Consumer complaint received 2023-08-06
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: CBC Companies, Inc. (VA)

I am a victim of identity theft and have been in contact with the three major credit bureaus to remove fraudulent information. I recently applied for a rental home with a property management company called XXXX XXXX. I was denied the ability to rent due to a consumer report from Amrent. I have never heard of this company, nor did I ever give this company permission to access my personal information. When I called Amrent to dispute fraudulent information, my call was dropped. I have called multiple times since and have been unable to reach anyone. This is incredibly frustrating as I shouldn't be penalized for fraudulent activity.
Consumer complaint received 2020-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ive disputed these accounts with the credit bureau and asked for them to remove these items on my credit report. Not only do I not have any recollection of these items per the FCRA they have yet to be verified to be my accounts and are currently MAJOR REPORTING VIOLATIONS on my credit report. These issues are hurting my credit in a major way and I simply want them to be removed.
Consumer complaint received 2021-06-04
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: ACIMA CREDIT, LLC (PA)

On XXXX XXXX Acima credit added a derogatory mark on my credit report per XXXX. Upon further research this account was transferred/sold and am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According FCRA Acima credit has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2024-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (LA)

My loan was sold to new company, Mr. Cooper. They did not pay for insurance renewal when funds were in escrow. Insurance company was aware of sell and Mr. Cooper cashed claims check for previous damage during the time they failed to pay renewal of insurance. When I was notified my home did not have insurance I obtained a new policy within days of notification and provided Mr. Cooper with proof of Insurance. Mr.Cooper claims to have purchased insurance which was back dated six months and wants to charge me {$2000.00}. The policy supposedly purchased by Mr. Cooper was purchased in XXXX and was supposedly effective XXXX of previous year, when I provided proof of insurance when they notified me of the situation. They said on recorded line they only knew of the situation on XX/XX/XXXX thought the policy they claim to purchase was supposed to be in effect. The insurance company that made the false paperwork, XXXX, is also owned by the same investment group. I called for assistance in the situation and was offered no help. I recorded the conversation. I was told the issue would be submitted for review and I would be contacted. Over two weeks have passed and I have not gotten a response.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

Banks wont let me open an account based on false problem with XXXX  XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX XXXX. 
Also, I had a problem with Wells Fargo years ago where they would not honor a refund check they sent me and was lost.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (TX)

I checked my credit score on XX/XX/2024 using XXXX 's credit score system and I notice that my score had a drastic drop but I do not recall any late payment for any accounts. I had this happen to me last year in XXXX with the same issue as well. When I requested a credit report from XXXX I saw this account that I have no knowledge of under adverse account. The account was for SUNRISE CREDIT SERVICES XXXX with a balance of {$600.00} with the original creditor being XXXX I already filed an account dispute with XXXX and believe this might potentially be action made by someone impersonating me.
Consumer complaint received 2023-03-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc. (NJ)

On XXXX XXXX the salesman assisted me with the purchase of XXXX  XXXX XXXX at XXXX XXXX and/or CarMax intentionally withheld pertinent information to complete the sales. There are many fees within the given finance charge that are a violation of 15 USC 1605. XXXX XXXX and/or CarMax falsely and illegally obtained XXXX. I sent letters to both companies on XX/XX/XXXX disputing but have not heard back as of yet.
Consumer complaint received 2024-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (GA)

I have been told by my mortgage company Newrez that they have placed lender based insurance on my property due to me not having insurance from XXXX of XXXX to the present. I live in a condo so my building and my insurance information is needed. I have been providing them the proof of insurance documentation since XXXX of XXXX, when this was brought to my attention and my payments went up almost {$400.00}, showing that we have been current the entire time and they have yet to apply the update to my payment information, therefore requesting that I pay the difference. I have called numerous times and get a different answer on every call. The most recent being that they just updated the account XX/XX/XXXX with the proof of insurance and that I will have to wait an additional XXXX days to have this addressed, while I am also required to keep calling and checking the status. Meanwhile, I am getting collections notices and calls stating that I have not made payments. The supervisor that I spoke with today stated that I am being allowed to make my payments in the amount of my " previous '' disclosed amounts in the mean time, which I have made monthly. I am not being helped and in the mean time it feels like they are ripping me off.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (MD)

On XX/XX/2024, I received an email thanking me for signing up for a Chime account. I did not sign up for this account. I contacted the company and had the account canceled. I asked them to give me more information about opening the account but received no answer.
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (FL)

The debt collector XXXX XXXX I, XXXX, communicated with me without first sending written notification of the debt, which should have legally included the official name of the creditor, the alleged amount of debt owed, and a notification that the debtor has the right to dispute the debt in question. The debt collector communicated with me using my email address, telephone number, and text number, yet they never offered me " any '' method to opt-out. The incessant phone calls were made in an attempt to harass and intimidate me into paying a debt that has never been validated and which I believe is the result of identity theft- which I have been a victim of at least twice in the past 10 years. The company violated the 7in7 rule by making repetitious harassing and threatening calls to my phone during a seven-day period. The debt collectors made false claims, including but not limited to the fact that they worked for Citi Bank and that I must provide my DOB, address, and social security number to verify my identity before they could discuss the debt with me. 

During the first week of XX/XX/2024, I received a form letter in the mail from the law office of XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. This form letter stated that a lawsuit had been filed ( Case # XXXX ) and notified me that I was being offered a resolution proposal for {$2400.00} in connection with File # XXXX is my understanding that the debt collectors actions described in this complaint violate provisions of the Fair Debt Collection Practices Act ( FDCPA )
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (PA)

My credit card company I have had for over 5 years have decreased my balance from XXXX to XXXX without notifying me. 

Upon research I found out it might because of missed payments which I did not miss any. I have proof that I have made my payments on time but they have been returned by the financial institution I was using which is a different bank that did not recognize the transaction. 

I called customer service, explained the situation, had them notating in the account and they still lowered my balance without warning or notification. 

When I called to ask why my available balance was only {$800.00} after I had basically payed off my {$1500.00} balance customer service said they sent me a letter with the reasons, letter I have not even received yet. 

I have to say learning about credit cards and credit score has been a journey. This is something that is not taught in school and one have to learn the ropes by ourselves. I have been studying and learning how to properly utilize my credit cards and now that I am paying my balance off they decide to lower my limit.

This actions not only affect me in my credit score and profile also affect me in the future plans I have of being a homeowner.
Consumer complaint received 2022-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

Navient is giving me conflicting information for needing to complete my IBR/not complete it, whether in forberance/or not, and not accepting the online IBR application that I've completed -- despite being directed to it to reinstate my IBR. 

I need the CFPB to sort this out. 
Screenshots below. 

XXXX
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One has repeated denied transactions due to their fraud screening even after identity verification. I admire progress in companies flagging transactions " out of profile '' but Capital One has denied my last 4 ( all ) transactions in less than a week. All of which, I either verified my identity via their procedure, or attempted to do so. After being flagged repeatedly ( I actually gave advance notice of the 3rd transaction while verifying the 2nd charge and was still blocked ), I have been asked to provide further verification. 
Of greater to interest to you, is not only is this inconvenient, but when I tried to file a complaint with Capital One, I was told it was another department and I could not file a complaint until I went thru a higher level of identity verification ( which could take days ). 
I was of the opinion that any consumer could file a complaint, even if I was not an existing customer of the institution? I believe this is a direct violation of one or your existing rules. I additionally tried Capital One 's mobile site & website and did not find filing a complaint on either site intuitive.