davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I sell XXXX  items on an e-commerce site. This site only has PayPal as a payment method. PayPal holds the funds until the items are marked as delivered. I made two sales the week of XX/XX/21. As of date both items have been delivered. Once my funds were released I was having trouble making the withdrawal. I contacted PayPals support and they told me theres a temporary hold on my account and to try again in 48 hrs. A day later I then received an in app message saying my accounted was permanently suspended but when I asked why they wouldnt tell me. They said my funds would be held for 180 days. Yes, 6 months.. this is ridiculous and a laugh in the face to any adult who is paying bills during this pandemic. The message also said to refund my buyers.. the same buyers who have already received the merchandise that I havent been paid for! Ive tried to contact them several times and they keep giving me the run around. Upon XXXX searching I learned this is a common thing they do to make interest..
Consumer complaint received 2021-09-18
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. (MN)

So a credit repair agency has been sending out letters on my behalf to these credit agencies and in XX/XX/2021 my score went down again 59 points all because those letters were sent out and these students loans are so old I dont know why they are still on credit report after I complained about them to this company and Im paying a credit repair agency. Why is it so hard to remove student loans over 8 to 10 years old. Why is my credit getting damaged so bad when all the credit repair agency did was send out letters? And just 2 days ago my score went down -48 points because I missed only my first payment on my credit builder card. I made all my payments on time with that card and the one time I didnt -48 points and I owe only {$67.00} on that card! That doesnt make any sense too me Im so XXXX angry!! Ive complained about this in XXXX to this complaint agency and now I have to do it again. My credit score was at XXXX before all of this now its under XXXX.
Consumer complaint received 2022-08-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (CA)

XXXX of XX/XX/XXXX I asked for help with car payment XXXX  parent, XXXX And I am looking to rescind my contract I noticed billing errors Extremely high monthly notes And I was denied threaten to have my vehicle repossessed Until something is paid Over charged with random fees just to obtain a vehicle Paint protection fees {$890.00} XXXX XXXX {$890.00} Down payment was required and accepted 15 usc 1605- 1635 all codes broken XXXX XXXX XXXX miles XXXX XXXX {$500.00} down payment
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Neon Newco Corporation (NY)

On XX/XX/XXXX I tried to log into my account online and notice that my account was locked. I then contacted NetSpend ( Skylight prepaid card ) and was informed that my account was locked because of suspicious activity on my account. After giving them personal information they allowed me to review my account. Upon reviewing my account I found that {$3500.00} was taken from my account over a four day span ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). I inquired why they did not notified me that my account had suspicious activity. She had not answer. We than submitted a dispute for the money taken from my account. They also issue me a new debit card. However no one from the dispute department reached out to speak to me and I continue to call and try to speak with the dispute department and all I get told is someone from the dispute department will call me in 24 to 48 hours and they never call. On XX/XX/XXXX I get a letter informing me that the dispute has been investigated and they found no errors and because I did not changed my pin when they send me a new card the investigation is close. I continue to call them trying to speak to the dispute department only to be told that some will call me back in 24 to 48 hours. The last time I called was on XX/XX/XXXX and to date no one has returned my call. I need assistance getting my money there was 26 ATM withdrawal from my account and not from location that I normally go to. There was also on transaction of {$25.00} paid to XXXX XXXX on XX/XX/XXXX this they returned to me on XX/XX/XXXX. The card Netspend Visa Prepaid Card is issued by XXXX XXXX XXXX, Member FDIC, Pursuant to a license from Visa U.S.A. Inc.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Post office box  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-09-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NM)

I never tried to open an account with Wells Fargo. 
I received a letter in the mail from Wells Fargo dated XX/XX/2021, saying Thank you for your interest in an account with Wells Fargo. We were unable to open an account based on the information you provided in your online application. However, we may be able to open your account in person at a branch. Please bring at least two forms of valid identification w ith you to a Wells Fargo branch so we can verify your identity. " never tried to open an account with Wells Fargo.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act, XXXX, Transunion, XXXX has violated mt federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These Names do not belong to me and Too many On Personal Information. Errors are highlighted and Circled.
Consumer complaint received 2021-09-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2019-05-10
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. (UT)

Equifax received police reports and were requested to not use the XXXXXXXX  system system that converts disputes to numeric codes instead of actually sending physical documentation to the debt collectors which I don't know how this is legal as the FRCA states investigation have to be 100 % veritable and 100 % accurate. Not 65 %, 75 %, 45 % accurate which seem to be a violations. The detective on my police report stated the police report is the final permanent record for me to file my credit reporting disputes. The negative accounts continue to be verified and the police reports are self explanatory of the identity theft and fraud. 


Police Reports REPORT NUMBER : XXXX
Consumer complaint received 2021-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

I filed Complaint ID XXXX on XX/XX/2021 against Wells Fargo Bank XXXX I received a response from CFPB on XX/XX/2021 advising that my complaint had been closed because Wells Fargo Bank has responded. Wells Fargo 's response was that they could not help me and there was nothing more they could do. This is unacceptable and I want a further investigation into the crime that Wells Fargo has committed. On XXXX  XX/XX/2021 I wired {$81000.00} to a Wells Fargo account number. I had included a beneficiary and memo. The beneficiary on the account DID NOT match the beneficiary on my wire transfer. On XXXX  XX/XX/2021, I confirmed with Wells Fargo that my money was received and was placed on hold. I was advised on that call that I would be getting the money back. I was advised that because my money was put on hold that it would be transferred back to my bank, XXXX XXXX. I still have not had my money returned and Wells Fargo has provided me with this information : The account that I sent money to was flagged for fraudulent behavior and their relationship with the customer was terminated. Wells Fargo used the {$81000.00} that I wired into this account to indemnify another customer that was scammed by this account. Wells Fargo committed a crime of conversion by taking the {$81000.00} that could be traced back to me to send to another customer. I would like CFPB to look further into this before just closing the complaint.
Consumer complaint received 2021-09-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have disputed an unfair charge on my Equifax report 1 time through XXXX XXXX and then 8 additional times directly on Equifax, but Equifax refuses to remove it from my profile. I have been reporting this since XX/XX/2021 and even the company that sent them the supposed debt already verified and agreed over 2 months ago that I do not owe anything, but Equifax refuses to remove it. Every time I apply for credit cards or loans, are denied just because of this derogatory mark Equifax refuse to remove from my profile for no apparent reason. They refuse to answer any questions. I need law enforcement in this case.
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (PA)

I have disputed this debt with IQ Data Several times, and I've received no response at all, their first violation of the FCRA. They have continued to report the disputed debt, their second violation of the FCRA. I have even filed a XXXX  complaint against them to seer f I could get them to respond, they did not. They have refused to validate a debt at a consumers request, a violation of the FDCPA. They have illegally assessed interest, penalties and fees to the account, clearly evident on my credit. They are breaking the law and it is destroying my reputation!
Consumer complaint received 2019-10-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (OH)

The PNC website advertises a HELOC with a fixed rate lock feature. The advertisement contains a payment amount example and a rate amount with a fixed rate lock of {$50000.00}. When I inquired about this option, however, the Loan officer told me that the best rate was only available on fixed rate locks of {$75000.00} or more. This means the payment amount does not match the rate advertised. This is deceptive as they are advertising terms that are not actually available.
Consumer complaint received 2022-08-11
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, XXXXE Account Number : XXXX, XXXX Account Number : XXXX, XXXX CARD Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account XXXX : XXXX, XXXX  XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, has violated my rights. 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
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (GA)

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. 
XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 2021-09-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

Equifax, XXXX, and XXXX and state that the credit companies are not complying with their own policies in a timely manner. 
I sent disputes to bureaus and collection charge off company XX/XX/2021, XX/XX/2021, XXXX, XXXX, XXXX 2021 these are the dates my letters went out and calls Equifax told XXXX that my compliant was old but they received it and Equifax, XXXX, XXXX have accounts back added as a reattach to my report once removed off
Consumer complaint received 2021-09-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (TX)

Hello, It is my understanding that CD balancing should occur when the initial CD is released and preliminary fees are received from the title company to allow for both the lender and title co to address discrepancies. Taxes are paid in arrears in Texas, however, as of XX/XX/2021, the taxable value could have been determined by submitting a written request per the direction found on comptoller.texas.gov. 

With real estate taxes being a year behind in their collection, purchase transactions require the seller to provide a proration to the buyer towards future tax bills that will come due after closing, that will be the Buyers obligation to pay, but represent a period the seller owned the real estate. The SSP/title company that closed my loan provided the lender with a prorated amount due from the seller for taxes based on the previous years charge instead of the current year as outlined in the residential contract for my loan which was settled on XX/XX/2021. 

The escrow officer from the assigned SSP has informed me that any difference in prorations compared to the amount used at closing and the current year tax bill that comes out after closing is the responsibility of the buyer and the seller to collect from the other, and if the previous owners contact info is not on the contract I will need to go through the realtor as done prior to closing. Per RESPA, itemization and/or calculation of unpaid expenses due at closing is the responsibility of the SSP and creditor. 

The managing real estate broker responded to the inquiry citing the following - XX/XX/2021 - Once the new tax statement is released and you find out that there is indeed a shortage, any requests will be between the parties of the contract. Title and/or any Real Estate Brokerages are not a party to the contract therefore can not request on your behalf. However, I can definitely reach out to the agent who was involved and ask for the seller 's new address for you but that is all that the scope of my license will allow. Keep me in the loop when you get the updated taxes and I will be happy to reach out to XXXX again. 

I have been provided with information that does not align with the the regulations outlined in TILA/RESPA on more than one occasion during this transaction. I would be grateful if someone would review my inquiry and further clarify the rules provided in the real estate settlement agreement to determine if the aforementioned actions comply with CFPB regulations. 

Thank you
Consumer complaint received 2022-08-11
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. (NC)

In a accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (TX)

I financed a rebuilt transmission on XX/XX/XXXX at a XXXX store using Acima Credit.  The finance price was {$2500.00} if paid off in 90 days. If you do not pay the balance in 90 days the total payment over a 12 month period would be {$5300.00}. I did not know in the beginning but this is a rent to own purchase. I never received the lease agreement in the mail and I never received an email communication from them for the first 4 to 5 months. If I initially finance {$2500.00} but end up paying paying {$5300.00} over a 12 month period, then this is EXCESSIVE and predatory because i never received communication about these terms. I looked at the complaints for this company on XXXX and many customers are saying the same thing. Please look into this company on it's slick way of charging consumers EXCESSIVE and predatory rates.