davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL (CA)

I applied for Paypal credit - A Digital Credit Line through this link on XX/XX/2019 and made $XXXX in payment to an online businessXXXXThis is the promise:Get No Interest if paid in full in 6 months on every purchase of $XXXX or more.No card needed. Easily access PayPal Credit right from your PayPal accountThen my first statement I noticed that the minimum payment on $XXXX was $XXXX  and the amount that I needed to pay to avoid interest charges was $XXXX. I called XXXX   on XXXX XXXX and spoke to 2 representatives one in XXXX  and XXXX in Kansas to dispute this and they said that my payment was being treated as a cash advance subject to 26.24% interest rate.The final representative XXXX ID#XXXX said nothing could be done and gave me an address to write to:Corporate Escalation PaypalXXXX XXXX XXXXXXXX, FL XXXXThis is the definition of bait and switch and a predatory lending tactic.
Consumer complaint received 2018-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (IL)

Ran a check on my credit and found 2 debt collections from same company. Contacted them last week to dispute it and was told that I would receive information about the account because I have no knowledge of the accounts in question. Instead, I received a notice that I have 30 days to dispute it or I'm liable for them. I do not know anything about these accounts so I want detailed information about these accounts. I've attached the notices for your review.
Consumer complaint received 2019-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2019, I was searching an XXXX XXXX XXXX on XXXX. Found one selling for {$400.00}. On the website, it has a feature to contact seller in a chat. I did and sent the seller a message, the person replied back with a phone number ( XXXX ) XXXX-XXXX and told me to text him there. 
I texted him about condition of the phone and if it is unlocked, and other questions of the phone. he sent me few more pics of the phone besides the one on the website. I still have all the text message on my phone as evidences. He said he accept apply pay or XXXX. I remember XXXX is being advertised on my bank before in some spam email, so I decided to try it. After sending the seller the money, he no longer answered my texts and phone calls. I immediately felt suspicious and informed Wellsfargo my bank and file a claim for fraud. someone from wells fargo was on the phone with me about 40mins filing the complaint. 

Yesterday, XX/XX/2019, I got a letter saying the company denied my claim. I have the letter. it said I was the one send the money. I am not denying if I did. I am claiming I am being scammed. There is no buyer protection using XXXX. Product was never received.
Consumer complaint received 2018-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (IL)

I opened an account with coinbase in order to purchase and store bitcoins. After purchasing bitcoins, I was able to safely store them in a digital wallet and, more securely, in a digital vault. 
In order to verify withdrawal transactions from the vault that I had created, I was asked to list a secondary e-mail address as confirmation. I have since lost access to this secondary e-mail address and have not been able to withdrawal my funds from the digital vault to my digital wallet on coinbase. 
I have e-mailed them numerous times asking if this issue can be resolved. In reply, I was told that they would be able to safely transfer my funds from my vault to my wallet and that they were working on the issue. It has been over 3 months now and I am still waiting for them to resolve this issue.
Consumer complaint received 2018-03-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

Hi I have complained before but you did not help me. I was told by a lawyer to try again. Wells Fargo has XXXX me for the last 3/4 years me and my wife have lost sleep worried about my home. XX/XX/2016 I  was told by XXXX XXXX to put loan in wifes name since I was in cpt XXXX. and she would qualify for Harp 2.0 I called Wells Fargo I was only one month behind due to sickness. I was denied they said you do not qualify. XXXX also was denied on the US Gov principle reduction. Wells Fargo said no.I have called and beeged for help and they denied me everything. All the US Gov programs help everybody buit us acording to Wells Fargo. They help me one tiome and went up on rate and years and I was told get out if We can not afford it. And the Ladies name I have.I have been underwater for 5/7 years and they sunk me further in dept. The place were I resident is located has gone Bankrupt and that hurt values.I know you have read about allm the fines that Wells Fargo has paid millions for XXXX to XXXX XXXX and XXXX XXXX  so it shouild not be too hard for u to understand that Iam just a number and money rules Wells Fargo. They are the hatefull and crooked ask anybody that has tried to work a solution that may help the consumer.They screw anybody that get in there way.I need HELP PLEASE Thanks XXXX  and XXXX
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

AFTER RECEIVING A COURT ORDER TO REMOVE A CHAPTER XXXX FILING CASE NOXXXX THE XXXX XXXX XXXX ORDERED A NOTICE OF WITHDRAWAL FORTHWITH FROM ALL PUBLIC RECORDS. THE THREE MAJOR CREDIT REPORTING BUREAUS HAVE NOT REMOVED THIS PUBLIC RECORD EVEN AFTER THIS HAS BEEN ORDER BY THE FEDERAL BANKRUPTCY COURT CENTRAL DISTRICT.ALL 3 MAJOR BUREAUS GO THRU THIRD PARTY VENDORS AND ACCORDING TO THE FCRA ANY THIRD PARTY VENTOR VERIFYING A CONSUMERS PERSONAL INFORMATION MUST BE IDENTIFIED .AND NONE OF THE BUREAUS FOLLOW THE GUIDE LINES SET BY THE FCRA.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020, I had applied for a consumer credit card ( Propel Card ) at Wells Fargo bank. Later that day, I received an email from the bank saying that they are asking me to call a certain 1-800 number to discuss my application. When I called hostile agents informed that my application would be denied because as an immigrant I do not have the " right '' to have credit cards or credit lines in the U.S.

I am a LEGAL immigrant in the U.S.,  with a valid work visa, and an SSN, and have been in the U.S. for 12-years and counting. I have multiple credit cards from multiple banks and agencies. My credit rating is EXCELLENT, and my FICO score per XXXX is VERY HIGH. The only reason they rejected my application, according to them, is ONLY because of my immigration status.
Consumer complaint received 2019-05-21
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: SYNCHRONY FINANCIAL (VA)

Paypal issued unauthorized hard inquiries on my credit on XX/XX/XXXX. In XX/XX/XXXX, I first found this out when I contacted all three credit bureaus to see what hard inquiries I had on my account. These Credit Bureaus instructed me to contact Paypal and in XXXX I contacted Paypal. Paypal said that they would send a letter to all three credit bureaus to have the hard inquiries removed and they also sent me a physical letter saying that these unauthorized and fraudulent hard inquiries would be removed within 90 days. It is now XXXX and I still have these unauthorized hard inquiries on my credit for all three Credit Bureaus. I have contacted PayPal but they still haven't acted. My personal life has been affected and because of their fraudulent and unauthorized hard inquiries. I have to pay more for everything like financing my car and so many other areas of my life are affected. There due to Paypal 's inactivity, It is my belief that PayPal is actively trying to bring me down because I am a person of XXXX and I think the government should look into possible XXXX bias since my problems still haven't been addressed even though Paypal said that they would address it.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (CT)

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, OH XXXX The following addresses are NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX
Consumer complaint received 2019-02-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

Back in XXXX I was XXXX years old and remember being very diligent about my finances and accruing student debts. I applied for as many scholarships and grants that I could qualify for with the hope of receiving as much financial assistance that I could to utilize towards furthering my education. In XXXX I enrolled in the University XXXX XXXX XXXX where I finished my XXXX XXXX. I did this because while attending that school the tuition was roughly half that of the main campus at the University XXXX XXXX. I did all of these laborious tasks to cut down my costs for higher education. After receiving my XXXX  degree and not being able to afford to repay my student loans, I called your organization to hear my options and ask for assistance. I signed up for the deferment plan versus an income based repayment plan because the representatives stated that deferment would be the best option for me based on my financial situation. I feel as though I was mislead by not being advised to utilize the income based repayment plan, which would have been the best option so that I would not have had to use finite loan deferment time while also accruing more interest on the loans. 

Once I graduated with my XXXX degree, I realized that I couldnt afford to repay my student loans even though I was working two part time jobs. Around XXXX I was finally advised by your representatives to enter an income based repayment plan. In XXXX, I moved to XXXX XXXX, CA and it took me roughly 4 years to gain employment where I could finally afford certain necessities such as health insurance and a 401k account. Less than a year into that position, I am now required to pay student loans that I simply can not afford. The cost of living in XXXX XXXX is almost 50 % higher than the national average and in order to live in accordance with societal expectations, one must budget accordingly. The monthly payment estimator on your website states that in the current program that Im enrolled in, I will owe $ XXXX/month. That is upwards of 20 % of my take home income. The estimator does not take into consideration the cost of living expenses for residing in a more costly city like XXXX XXXX, which makes it more difficult to save towards any future goals, such as buying a home or saving for retirement.
Consumer complaint received 2018-03-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (CA)

Discover card sent the IRS a XXXX for 2016 and neither myself or my wife had a discover card. Now the IRS is claiming we owe over {$9000.00} because we did not report the XXXX on our 2016 return. Both myself and my wife pulled all bureaus on the free annual credit report site and it proves we never had a discover card. Please help!
Consumer complaint received 2018-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NJ)

Initiated a timely debit card dispute with PNC Bank through the online portal on or about XX/XX/XXXX. The above mentioned bank initiated a standard template " Debit Card Transaction Dispute Form '' dated XX/XX/XXXX, and not received in the mail until XX/XX/XXXX, the bank gives the consumer 4 days to respond, with a respond by date of XX/XX/XXXX. As in the past, the bank conveniently, has lost the completed dispute form. Therefore, proof of the completed dispute form and fax transmission confirmation is attached. Details of the debit card billing dispute have already been explained on the above mentioned form and the bank online portal.
Consumer complaint received 2020-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

On XX/XX/2020 I placed an online order with XXXX XXXX XXXX for some XXXX accessories totaling {$810.00}. These parts seemed to be in stock. XXXX XXXX  charged my credit card immediately but failed to ship my order. On XX/XX/2020 I requested XXXX XXXX  cancel my order and refund my money. After not hearing back for several days, I filed a dispute with my Credit Card Company. On XX/XX/2020 after receiving notice of the dispute, I received an email from XXXX XXXX  confirming the order cancelation. On XX/XX/2020, I received a threatening COLLECTIONS email from XXXX XXXX. This time they accused me of Cyber Theft. Apparently, two days after I filed the dispute and they indicated they canceled the order, XXXX XXXX shipped a package to the wrong address and that package is now lost. On XX/XX/2020, XXXX XXXX XXXX, with knowledge and intent, used my credit card information obtained from the XX/XX/2020 order, to illegally and fraudulently charge my XXXX Visa Card a second time. Further, they set this charge up as recurring so as to cause as much financial damage as possible. Because of XXXX XXXX actions, I had no other choice but to completely close my credit card and reopen a new card disrupting all of my recurring payments with other companies. 

Even though I won the credit card dispute and never received my order, XXXX XXXX turned me into collections. Shortly after I began receiving calls from ICSystem claiming I have unpaid debt in the amount of {$810.00}. I've sent ICSystem proof that the order had been canceled and indicated that I did not receive the shipment, they tell me that there is nothing they can do because their client ( XXXX XXXX XXXX ) insists that I owe the debt and therefore they intend to report this debt to the credit bureaus.
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

I recently looked at my credit reports and noticed that Sears/CBNA XXXX reported negative marks Paid, was past due 30,60 days late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve
Consumer complaint received 2018-03-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage keeps sending me information on a loan modification I did not request. Wells fargo home mortgage keeps advoiding what I have requested. They also send documents that has nothing to do what I have requested. 

No loan modifications documents has been requested.
Consumer complaint received 2019-05-21
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ditech Financial LLC (ND)

I recieved mailing from prodicence advocates to help refinance my mortgage I had set up with ditech financial. They sent me documents and said they could settle with them and lower my apr payment and current balance and said not to pay them nor contact them as they would do all that during the process..XXXX  XXXX was the sr case manager he was with XXXX XXXX XXXX   XXXX XXXX XXXX XXXX . XXXX XXXX XXXX : XXXX Toll-Free :  XXXX Ext. XXXX Fax : XXXX XXXX He told me to mail money orders via USPS to this address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone is XXXX which I sent them payments as advised I starting getting late payment notices via ditech I asked XXXX repeatedly bout it he said not to respond or contact or pay that he is taking care of it ..after a foreclosure notice I contacted ditech and found out I was scammed and brought to the attorney general 's attention and they investigated and was able to get my money refunded to me but has no authority of reversing my credit and I have tried asking ditech to remove my 90 day late on my credit report back XX/XX/XXXX by writing them a letter of hardship on what happened to me explained everything and they denied it I again called XX/XX/XXXX they again denied it but said they will send another request to have it removed ... please contact the attorney general out of North Dakota to search the case thank you I want the 90 day late removed from my credit report from ditech they said it will be on for 10 yrs
Consumer complaint received 2018-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Control Bureau (LA)

I contacted XXXX XXXX XXXX XXXX in XXXX XXXX, Louisiana, on XX/XX/2018 by phone to validate debts. I spoke with XXXX in the billing department and she did not have any legitimate proof that I have a debt with them. She called Account Control Bureau which is their third party collection agency and told them to remove any debts that I have associated with them because my insurance with XXXX XXXX XXXX XXXX that I've been covered with the last 5years, has covered all medical expenses.

My complaint is with Account Control Bureau collection agency who has 5 medical bills that are being reported incorrectly with XXXX and XXXX for the last 2-4 years. On the other hand XXXX have delete all 5 medical bills due to inaccurate reporting and not being able to prove the debt was mine verified and validated. 
I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I did not give permission to release any of my medical information to this third party collection agency ( Account Control Bureau ).

Account Control Bureau is reporting 5 different amounts with the same account from different creditors. 
Account number:XXXX 1. $ XXXX XXXX XXXX XXXX, XXXX 2.  $ XXXX XXXX XXXX XXXX 3. $ XXXX XXXX XXXX XXXX, XXXX 4. $ XXXX XXXX XXXX XXXX 5. $ XXXX XXXX XXXX XXXX All creditors and account control bureau have not being able to provide legitimate proof ( verify and validate that the debts is mine ) therefore since these have been reporting incorrectly, i'm requesting immediate removal.
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (CA)

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX ( XX/XX/2021 ), XXXX  XXXX XXXX XXXX ( XX/XX/2021 ), XXXX  ( XX/XX/2021 ), XXXX XXXX XXXX ( XX/XX/2021 )
Consumer complaint received 2019-05-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has added time and Almost 20k to my Mortgage. When I asked about these issues, I was told they didnt know and they had limited information. They sent me two loan mods that were done but it showed 3 years added, though they added 6. They can not tell me why my loan amount origination was modified to XXXX from XXXX. Please review the 3 pages uploaded and see the reversal of payments, and non-cash Principal adjustments. It added over 17k to my loan and Wells Fargo can not tell me why?!?!
Consumer complaint received 2019-05-21
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)

Equifax and XXXX  are reporting incorrectly that I am 60 days past due on the XXXX  - partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-02-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (AZ)

Attempted to establish dispute with Two of Three Credit Reporting Agencies. I was able to establish this with only one of the Credit Reporting Agencies : 1 ) XXXX   XXXX XXXX Therefore, this Consumer Protection Bureau Compliant is established against improper compliance with the Consumer Protection Act Fair Credit Reporting Act Compliance : 2 ) Equifax XXXX www.equifax.com 3 ) XXXX XXXX XXXX