davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Contemporary Information Corp (CA)

Hello. Thanks for your help! 

This is in regards to a full file disclosure from a speciality CRA, Contemporary Information Corp ( CIC ). 

This CRA has run numerous reports on me in the past- including- a dispute with this company back in XXXX XXXX were reporting an expunged record- in which they eventually corrected ( confirmed in a paid report run XX/XX/XXXX ). In XXXX XXXX, they ran another tenant screening report which reported a 'code XXXX Must call customer service for a manual search. ' My full file disclosure request included the below language : " I am writing to request a free annual full file disclosure ( FCRA 612 ( a ) ), including all information recorded and retained, regardless of how the information is stored, including sources for the information in the file, information about persons who have procured a consumer report, and a record of all inquiries, as mandated by the FCRA and enforced by the CFPB. Please include definitions for any coded information as also required by the FCRA. '' " While this letter of full file disclosure request and enclosed identification fully satisfies all requirements of the FCRA Regulation V, please inform me in writing if there are any issues with this request. Any noncompliance of the FCRA or FACTA will be documented and appropriate actions will be executed. '' The response of the full file disclosure was simply a clean consumer report ( attached ). 
There is : -no record of the report ran on XX/XX/XXXX ( attached ) -no record of the report ran on XX/XX/XXXX ( attached ) -no mention of the coded information on report from XX/XX/XXXX -no definitions of coded information -no record of the prior dispute -no source of information from previous dispute -no information about the persons who have procured a consumer report on me All supporting documents are attached and labeled. 

I am looking to receive a proper full file disclosure - EVERYTHING that this company has in my file - not just a clean consumer report ( CIC sent me a clean report in XXXX XXXX and somehow sent out the 'code XXXX ' report in XX/XX/XXXX ). 

In summary- CIC originally issued an inaccurate report, claimed it was fixed after a formal dispute, later issued a report with some sort of coded flag on it, and then issued me a clean report when I asked for a full file disclosure. 

These guys keep messing up my report and now are n't following proper protocol for a full file disclosure. Can I please get some assistance? Thanks!
Consumer complaint received 2024-02-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (MO)

In XXXX my son rented an apartment from XXXX XXXX  ; I was cosigner on the lease. After he moved out in XXXX, XXXX, he was informed that he owed {$750.00}. He paid it. In XXXX, XXXX, I was informed by National Credit Systems, of XXXX, GA that they were attempting to collect an unpaid debt of {$750.00} from XXXX XXXX I contacted National Credit Systems for further information that I passed on to my son. He provided a Paid statement from XXXX XXXX, dated XX/XX/XXXX, acknowledging receipt of {$750.00}, and that he owed nothing further. I sent this statement to National Credit Systems, formally initiated a dispute, and asked if they needed anything further from us to resolve it. They asked for a bank statement showing a withdrawal of {$750.00}. This was provided to them within 48 hours. In spite of a formal dispute, with documentation that the debt had been paid in their possession, National Credit Systems informed XXXX, XXXX, and XXXX that I had a debt in collection, necessitating me to file disputes with all three credit reporting companies. My credit rating dropped XXXX points. I have further provided National Credit Systems with a copy of a Money Order, made out to XXXX XXXX for {$750.00}, and cashed on XX/XX/XXXX. They say that they are investigating the matter. I contacted XXXX XXXX  directly, and received an email saying that nothing was owed, which was forwarded to National Credit Systems. In spite of being provided with proof that the debt was paid promptly in XXXX, XXXX, there is no evidence that National Credit Systems is acting to resolve this dispute and restore the damage to my credit rating.
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (DC)

I am a joint owner on a Wells Fargo Checking Account with my mother. My mom is older, on a fixed income, and has XXXX XXXX XXXXXXXX so dealing with stressful financial things is difficult. I am usually her advocate. 

She never completed opening a XXXX Account linked to the checking account. 

In XXXX of XXXX there were XXXX instances of XXXX XXXX : XX/XX/XXXX XXXX to XXXX XXXX Ref # XXXX {$990.00} XX/XX/XXXX XXXX to XXXX XXXX Ref # XXXX Void XXXX {$990.00} XX/XX/XXXX XXXX to XXXX XXXX XXXX # XXXX {$990.00} XX/XX/XXXX XXXX to Case Close Ref # XXXX Close Case XXXX {$990.00} These 4 transactions totaling almost {$4000.00} were all fradulent. 

We have called multiple times and put in multiple claims of Fraud and Wells Fargo has done nothing. I am a complete joint owner on the account. We have also gone to the bank in person ( XX/XX/XXXX ) and filed a claim. In the most recent interaction they closed my claim and refused to discuss her older claim because " the transactions originated from her online account ''.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA reporting is directly impacting my ability to obtain home mortgage. Reporting my loan which has been charged off, as 90 days late each and every month is a violation of FCRA. As the debt is charged off, factually, it can not be 90 days late. The debt is charged off. The loan is considered closed.
Consumer complaint received 2024-02-28
Product: Credit 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: GOLDMAN SACHS BANK USA (CA)

I made an online purchase with XXXX XXXX XXXX in the amount of {$220.00} on XX/XX/XXXX. My package was stolen on XXXX. I filed a police report and have photos and video of the thief. 

I disputed the transaction with Goldman Sachs and submitted the evidence. I contacted XXXX XXXX XXXX and did not receive any help. Goldman Sachs found the merchant in favor because the package was delivered. I re-opened the dispute twice and got the same result. I called Goldman Sachs customer support 10 times and got transferred to 10 different people with no actual help. I tried to escalate to a manager and got disconnected twice while I'm in mid phone conversation with 2 different managers. On the 3rd time speaking to a manager after getting transferred around, they said someone will call me in 24 hours but I still have not received any support for refund for this situation where my package was stolen with enough evidence and police report. 

I had another package stolen on the same day by the same thief but I used a different card and I got my refund right away. 

Goldman Sachs doesn't care about the customers. The reason why I used a credit card is to be protected in situation like this - not the other way around.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

My mother put money orders in my account that was saved up for us to move. They locked my account the next day ( XX/XX/XXXX ) and now they wont unlock it until her phone number and name matches. It hasnt been working for reasons that we cant figure out. Weve tried to get it fixed by XXXX XXXX which we did and it still didnt work. They said they are sending me all the money in my account except the money orders ( $ XXXX ). They keep telling me that the only way to get the money is if my mom identifies her self which by a phone number is ridiculous. She has even come in person and they still wont unlock it. I havent had money for over three weeks which caused my credit score to go down due to the fact that they closed all my accounts and is taking forever to send me my money so I cant pay any bills. They said they have to make sure this isnt fraud or something when literally they are STEALING my money. Theirs nothing that gives fraud. Someone told me that it was flagged in the first place because the money orders were from XXXX and they werent cashed until the every end of XXXX but i told her that we saved them because we were moving in XXXX.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AK)

Requested check over {$100000.00} after closing account with no notice. There has been multiple attempts to get check from Chase bank. Chase has stated they have sent the check multiple times. We have not received the check. This is causing financial hardship. We recently contacted Chase and they said it would take 72 hrs to research it. We have yet to receive a call back.
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/XXXX, I requested two money transfers from my personal bank using XXXX. 
The first transfer was sent immediately but second transfer was placed in a pending status. 
Upon my review in my Paypal account, the second transfer was changed to an echeck with a delivery time of 7-10 days without my knowledge or authorization. 
When I questioned PayPal about this, I was told that my bank had made this change, and I needed to talk to them. 
I did talk to my bank and was told and confirmed by them that the money was transferred out of my bank account on on XX/XX/XXXX. They advised me to reconnect with Paypal for further clarification, which I did. 
I called PayPal a second time and this time I asked to speak with a supervisor. I was refused. I left a call back number with PayPal to allow the supervisor to call me at their earliest convivence. I have not received a call back. 
So now I have money in a pending status without reason or explanation, which has created difficulty for me and the recepient.
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (LA)

This company has illegally obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a XXXX form and conspires to tax fraud XXXX XXXX XXXX XXXX and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False XXXX XXXX, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices XXXX XXXX XXXX. Please deleted account from your records.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (NJ)

On XX/XX/24 I filed a transaction Dispute used on my MoneyLion Checking Account and they denied me in 3 days stating it was not an error when indeed it was! I reached back out and I filed an appeal which took place on XX/XX/24. 

Today, XX/XX/24 I reach out to the company that charged me and they stated that the funds was removed from their end from my my Bank. Which I found quite interesting because I never even received a Provisional Credit from my banks behalf. I called instantly and they are stating that the investigation is still under process and that I do not qualify for a provisional Credit. Im 100 % disgusted by the customer service because they keep repeating the same thing and I can barely understand anything that is being said. I tried to get transferred to the Dispute Transaction department and they tell me that there is no way possible, they will reach out within the 90 day mark! 

I start checking the reviews for Money Lion and mostly every customer has gone through this and they never keep their end of the bargain when it comes to possible outcomes. If I would have known this I would have never put most of my hard earned money in their hands!
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (CA)

This account was under the forbearance agreement and M & T bank said they would not report late payment status, As I was protected by consumer law for forbearance agreement. When I mentioned it was affecting my credit due to late payment reported, the M & T bank officer said that is incorrect and I should report to the credit agencys as incorrect and they would fix it
Consumer complaint received 2024-02-27
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cottonwood Financial Ltd. (MN)

The company is XXXX XXXX in California. Previously I requested them to send validation to me or an address to mail payment to. They refused and said they can not do that. They falsely represent themselves as attorneys. I told them do not contact me or my family without sending me the validation letter. They continue to call multiple times and call members of my family stating they sent out documents which they never have sent anything. The number they call from is XXXX. They are not a law firm in any way
Consumer complaint received 2021-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelson Cruz & Associates LLC (MD)

I received an email on XX/XX/21 and was not given the full 30 days to validate debt prior to credit reporting. I have since emailed twice with no response. 

Thi is a clear attempt to damage my credit reputation
Consumer complaint received 2015-06-24
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: SERVICE 1ST MORTGAGE, INC. (PA)

I am deeply troubled by what has happened to my payment history as well as good credit rating after using an inadequate mortgage company to refinance my home loan. The following is a digest of what happened while going through their process. 
Mortgage CompanyXXXX XXXXSenior Loan OfficerXXXX XXXX 
Toll Free : XXXXDirect : 240-305-7886XXXX : XXXX # XXXXHistory : XXXX XXXX - Initiated original loan applicationXX/XX/XXXX XXXX - Loan is approved but we need XXXX mortgage company approvalXX/XX/XXXX XXXX - We still do n't have your approval. Please pay your XXXX payment and we will close in two weeks. 
XXXX XXXX - Since you made your mortgage payment. The amount of the loan changed and now we have to get approvals againXX/XX/XXXX XXXX - I asked XXXX about now being late for XXXX payment waiting for them to close the loan. I was instructed to NOT pay the payment we would close any day nowXX/XX/XXXX XXXX - Still no approval from XXXX or their underwriter. Again, I was told to hold off of the payment or it would delay the loan approvalMay XXXX - I was told that I was good to go and that they would set up the closing asap. 
XXXX XXXX - Apologies from XXXX XXXX but they now have to start over due to a credit change to my report. The credit change was the notation of a late payment for my XXXX mortgage. That was caused by them. 
XXXX XXXX - I was informed that the credit change has now disqualified me from my ability to be approved. The apologized and told me that there is nothing they can do. 

Summary of the Situation : The process of a simple refinance took over 4 months and due to the negligence of the loan officer, XXXX XXXX, my mortgage payment was late for the XXXX time ever. Even worse they then declined me for something that they caused. It was the most frustrating experience I have ever gone through. I also have never had a late payment of my credit report and now because of this I get unfairly penalized. 
Upon getting the notification of now being declined, I immediately paid my XXXX payment and also the XXXX payment as well as re-setup the auto payments for my account. Please feel free to look at my credit report and mortgage account to verify this. I also have saved every email from XXXX XXXX to verify their mistakes.
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I purchased a XXXX XXXX which was listed on XXXX and traveled to pick it up in person. I paid with it with Venmo and paid extra to cover the extra fee for buyer protection. 

On XX/XX/XXXX I realized the product was clearly counterfeit. It was electrically unsound, did not have the right power supply, had mis-printed buttons, had a serial number that did not register with XXXX and they had no record of it. 

I submitted photos to Venmo and explained the situation and opened a dispute. They said they would give the seller within 15 days to respond. 

On XX/XX/XXXX they told me to return the item and pay shipping costs. 

I appealed saying that it was a clearly counterfeit item that should not be returned to the fraudulent seller. I thought they had misunderstood. I also offered to ship it back if actually necessary but that it would only be fair if Venmo or the Seller covered the cost as I had traveled to pick it up in person. 

I appealed to this and opened an additional case they said would get a response. They did send emails reminding and I called in from time to time to check on the case but no one responded to my explanation and evidence of the counterfeit product and evidence. 

I got an email eventually saying it was denied. So I escalated the case and had them re-open it. I also submitted more new evidence at XXXX request. 

I did not hear back for 15 days. 

I kept asking what was going on and for a response on whether I still needed to return a counterfeit product. I never got a response. Sometimes they asked me to reply to my case manager who had never replied to me. 

Eventually I got an email saying the case was closed and no appeal could be made on XX/XX/XXXX. 

I find their buyer protection to be misleading and that the requirement to ship it back is inappropriate and unexpected and not clearly detailed enough in their product. It also doesnt well cover situations where the item was not shipped in the first place. Venmo is offering a misleading product and not living up to the protection they claim to give consumers.
Consumer complaint received 2022-10-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.
Consumer complaint received 2024-02-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (WA)

I took out a high interest loan with Net Credit paid it in full at least 2 times 3 or 4 years ago. 
I took out another line of credit of XXXX I believe in XXXX. After making a few payments I turned it over to XXXX XXXX XXXX. ( Debt management company ) I was unable to make payments in XXXX of XX/XX/XXXX. I had XXXX and was out of work. I kept in contact with both XXXX ( was very hard to get a hold of them. ) I also kept in contact with Net Credit I called them the middle of XXXX and after making 7 months of payments of {$100.00} a month. Net credit my balance was XXXX something. XXXX dropped me from their service and I was going to work out paying the XXXX owed. Well I called NetCredit the end of XXXX I asked them how much my balance owed they said I was past due XXXX dollars and my balance was XXXX. Because I defaulted they charged me all interest and fees for the time I was paying the loan. I was never told by either party about this. I think that this is wrong. It is unfair. They should be investigated. Where did the XXXX dollars go I paid them? There was no form of communication by them about this to me. So I set up XXXX a month through XXXX to take care of supposedly past due {$330.00} and XXXX a month payment through XX/XX/XXXX. 
After I made arrangements I was threatened by them that they were going to sue me basically. Come on I was trying to pay it off. I definitely have good intent. But since I got sick and had XXXX they still charged me all back interest and fees. I did pay them in full twice before. I kept in contact. By the way the customer.servuce people XXXX talked with were very nice.Wrong very wrong. Please look into them so no one else will be ripped off like I was. Thank you for your time. I was not using this loan to pay off a previous loan from them. I answered that question incorrectly. I used the loan just to get by.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I made a purchase while I was out of the country of XXXX XXXX XXXX XXXX XXXX the amount should have been XXXX dollars. When I Checked my bank account when I was back home I was charged XXXX. I disputed the amount to bank and explained that due to the currency exchange they over charged me and the bank denied my dispute of XXXX
Consumer complaint received 2024-02-27
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (WA)

Jefferson Capital Systems LLC falsely clams that I owed them {$170.00} from XXXX and unlawfully reported debt collection to XXXX and XXXX under my name. They demand payments, offer discounts but wouldn't provide any detailed informations or documentations to proof that I actually owe the money. They said that they have the power to undo the XXXX points damage on my credit score if I pay them. 

Hence, I've never set up account with XXXX nor owe any money. I called XXXX, and they also verified that there has been no account or outstanding balance ever under my name. 

I feel that Jefferson Capital tried to scam me for the money I never owed and intimidate me by making negatively impact on my credit score.