davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo mis led me and my spouse to not make house payments which forced our homes into foreclousre. We both were told that this would not happen and it did. The results had years of damage to our credit scores which cost us severe finacial damages.
Consumer complaint received 2022-10-22
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. (NC)

XXXX has failed to respond to XXXX and XXXX, thus violating and depriving me of due process with causing me to not be Given a fair and reasonable opportunity to be successful at this dispute, clearly illegal. 

Answer my disputes properly,, pay me {$1000.00} statutory fine, and {>= $1,000,000} for punitive damages.
Consumer complaint received 2022-08-24
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. (NY)

On XX/XX/22 XX/XX/22 XX/XX/22 I contacted XXXX about a account investigation even called Numerous times, the account never been updated or investigated. Account XXXX 15 U.S.C 1681 section 602 A. Section 2 states I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 its also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May Not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Consumer complaint received 2022-08-24
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-10-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MN)

This dealership is full of CROOKS!! I bought a truck with XXXX miles on it, the transmission blows after just 2 months, they just wash their hands taking no accountability saying they only cover 1 month, XXXX miles to pass me off to their incompetent Ally insurance company, and nightmare of roadside assistance that was called, I have had the Ally Warranty company lied to me no less than 3 times as their representative yells at me over the phone to hang up! The roadside assistance lied just as many times, and failed to retrieve my truck at least 3 times. They were never even the one to tow my vehicle as it was finally given a tow 4 days later, after I was informed it would be towed within 50 mins. These people are dishonest, and have zero credibility behind their word! They just wash their hands of you have any issues with their hobbeled vehicles as I call them first with my issues while they just shuffle me off to others! I have lose 2 days of work calling them, having them give me no issues, as my truck is now out for 2 weeks and still not repaired!!! The loan, and product they sold me are an absolute scam!!!
Consumer complaint received 2020-04-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc. (DC)

Their personal online banking hosting area of their website doesn't provide me with a rundown of my account statements. If they are not able to provide customers with account statements online, then they need to be mailing them to us on a monthly basis. I funded my personal loan through Earnest.com and SST is a third party provider that takes the payments. 

I've made phone calls in the past requesting they provide me with an account statement each month and that hasn't been fulfilled. I expressed to them that for some odd reason when I log into my online portal to access my account, it says that I don't have permissions to see my statements, which is odd. Their system looks archaic and I find it mind boggling that this provider doesn't have an adequate mechanism to provide customers with their account statements.
Consumer complaint received 2022-10-22
Product: Credit card or prepaid 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: Paypal Holdings, Inc (CA)

XX/XX/2022 PAYPAL XXXX XXXX CA XXXX {$370.00} The paypal closed my case and I cant re open the case. I havent receive my purchased and I tried to contact the person involved but not cooperating. I want a refund please. Thanks!
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK (TN)

XXXX  automatic withdrawal requested in writing to be stopped after balance paid in full. Bank continued to withdraw the amount XXXX  months in a row and even reopened the checking account after I had closed it. Each time it took several days for the funds to be returned to me rather than immediately assuming responsibility & letting their own accounts go without funds. They caused the account to overdraw & charged me XXXX overdraft fees. They did correct this error. I made XXXX different trips to the bank & they still did not do as I asked. Branch Mgr XXXX XXXX completely incompetent, had to call multiple people & still took XXXX  months to stop the withdrawal. I asked for feedback from Risk Management Director XXXX XXXX. XXXX told me that she had turned my request to her supervisor XXXX XXXX and a letter detailing the events was being sent on XX/XX/XXXX. To date ( XX/XX/XXXX ) I have received no feedback from anyone at First Horizon Bank.
Consumer complaint received 2022-10-22
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. (NC)

It has been drawn out into the open that Credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WorldRemit Corp. (AZ)

XXXX and XXXX XXXX XXXX initiated on XX/XX/XXXX through the online app of World Remit XXXX XXXX via XXXX XXXX XXXX. The wire came from XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX XXXX  converted to XXXX USD to the account of XXXX and XXXX XXXX at XXXX XXXX  account XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX is XXXX. This XXXX XXXX account had been closed in XXXX. Wire transfer phone XXXX. Since XX/XX/XXXX both parties had tried to cancel the transaction XXXX, but the financial inst refused to speak to the receiver and refused to get all parties involved to communicate and resolve the problem. XXXX called the wires group at XXXX XXXX  at XXXX and was assured that once the monies came to XXXX XXXX they would reject the transaction and send the monies back to XXXX XXXX to XXXX and XXXX account. They recommended that the sender Recall the transaction and XXXX sent an email to World Remit explaining the issue and asking for an immediate recall and return of monies to original senders account. Both XXXX and XXXX contacted World Remit who continued to avoid both parties and refused any correspondence. Please help us get our moneys back as we are not rich and can not lose such a large sum.
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (CA)

Discover Bank is willfully, knowingly and illegally trying to double collect money from me by reporting a debt that they told the Internal Revenue Service ( IRS ) that they took a loss on in XXXX and reduced their tax payment liability and " issued a XXXX debt cancellation form against my name to be paid via my income taxes '' while they are still trying to collect and knowingly and willingly monthly reporting to XXXX, XXXX, and XXXX credit reporting agencies trying to collect this debt while the credit bureaus XXXX, XXXX and XXXX are knowingly and recklessly causing economic, physical and mental harm by dragging down my name and XXXX score for over 40 months 1200 days. 

It is illegal and fraudulent for any company to knowingly and willingly tell the IRS that they took a financial loss and cancelled a debt to reduce their income tax liability then turn around and still try to " double dip '' on the consumer by intentionally and falsely seeking to collect/benefit twice on same such debt. They issued a XXXX for the consumer to pay, reduce their tax liability by said amount, yet they are knowingly and willingly reporting and trying to collect this same amount every month as recently as XX/XX/XXXX despite me disputing and writing all parties several times a year. This is illegal and egregious, malicious behavior that has caused reprehensible and irreversible and substantial harm to my credit, XXXX, name and finances. I attempt several times a year to resolve this issue with Discover Bank, XXXX, XXXX and XXXX to no avail including most recently in XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX. Discover, XXXX, XXXX and XXXX all respond with dispute resolved consumer disagrees ; without actually investigating ; further causing me harm day by day. I even recently in XX/XX/XXXX wrote XXXX, XXXX and XXXX using the CFPB platform and again uploaded the IRS proof and again they responded with a reckless response and closed out the complaint. 

Discover is intentionally and purposefully still reporting monthly to the 3 credit bureaus against my name and XXXX causing me further harm day by day ; while fully knowing that they told the IRS that they took a loss and this debt was cancelled. This is illegal and purposeful. 

The Credit bureaus are also recklessly and willfully complicit by refusing to investigate, look at the paperwork provided and IRS records of company canceled the debt and Failed to investigate fraudulent, outdated errors reporting on my credit report as required by FCRA and CFPB consumer laws Discover Bank XXXX Furthermore such collections are against Federal and the State laws of California and you have violated my rights. IRS proof attached.
Consumer complaint received 2022-10-22
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. (VA)

I have submitted my FTC report to Equifax on more than one occassion. Per my attached document of my FTC report you will see that this was done on XXXX, todays date is XXXX and i am still making the same claim. which is more proof than enough thatEquifax has failed to honor my rights as i have asserted them on more than one occassion. I have contacted them via phone as well mail. i have proof via usps that shows thatEquifax has in fact received my disputes along with my identity theft reports. I have been a victim of identity theft and there has been unauthorized usage of my social security number and my information XXXX XXXX inqury are violation my rights, XXXX, XXXX XXXX, XXXX and XXXX XXXX are violating my rights. The companies listed do not have authorized use of my social security number amongst the credit reporting agencies ( equifax, XXXX and XXXX  ). I have in fact been a victim of the equifax security breach as well as the XXXX data breach which they too did not have authorize use of my social security. Now i am living my life in fear and in default because of someone else and there hiccups. i have made numerous attempts to get Equifax n to ratify this and honor my rights as a consumer which has been avoided. the said items within this complaint cfpb i would like for you to have Equifax do their job and block and delete these items from my credit report. they are causing me unspeakable harm. at my age i want to relax and live out my days vs of being in fear of being a captive because someone has my information and is using is without authorization
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I made a deposit on XX/XX/2023 to my chase checking account. They put a hold on the check that was deposited. They have already received funds and are telling me that they can not verify that the funds are available. I have called four separate times to get an answer as to why they put a hold on my check that I deposited. The check that was deposited was from another account I have with XXXX XXXX and I have spoken with the branch manager at the XXXX XXXX location where I do my banking with them. The money was withdrawn from the account on the XXXX and chase has the funds. This is the tenth time this has happened in the last six months. Now chase is charging me for overdraft fees despite the check being paid.
Consumer complaint received 2021-04-21
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. (CA)

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}, {$2500.00}, {$0.00}, {$5100.00}, {$4000.00}, {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 

-- AUTO LOAN OR LEASE 5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX  XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (IA)

Netspend has been stealing money from my XXXX deposits for the last 4 years and this month XX/XX/XXXX I had XXXX taken from my XXXX payment leaving me with XXXX for the month. I can not pay my rent and utilities because of the money not being there and netspend refuses to refund me anything. I'm in mental distress and don't know what to do, they have been doing this for years and I would like them held accountable and need advice/help and would like this investigated ASAP and would like every XXXX back that they have literally stolen from me. This company needs to be shut down immediately and investigated thoroughly and everyone they have stolen from refunded. I see XXXX lawsuits against them already and they still are being allowed to operate and rip people off. I am legally XXXX and am not able to work the numbers they have taken from my netspend account but it's in the tens of thousands, and XXXXXXXX XXXX being the largest theft of all, out of a XXXX deposit they took XXXX leaving me with XXXX and leaving me in a position to lose my apartment, my utilities being shut off, and netspend not even investigating it to give me the money back that was very much stolen. This is 100 % unexceptable and as far as I'm concerned, and I'm sure alot of other Americans feel Netspend should be shut down permanently or until a full investigation is initiated and netspend needs to pay back every XXXX + a 100 % added fee for every customers hardships that netspend has caused. I want to sue this company for XXXX XXXX dollars for my mental anguish and hardships they have caused me for the last 4 to 5 years
Consumer complaint received 2022-10-22
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. (GA)

The unverified account listed below continue to report on my credit report in violation of federal law. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
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. (NY)

The bureaus are reporting this XXXX XXXX account inaccurately. 

XXXX reports XX/XX/XXXX for the date of last activity while Equifax reports the date as being XX/XX/XXXX and XXXX reports the date as being XX/XX/XXXX. 

Also, XXXX has not legally investigated this account as XX/XX/XXXX is the last reported date. 

XXXX has never legally investigated this account as XX/XX/XXXX is listed as the last reported date, either. 

Equifax has clearly illegally re-aged this account. Also, Equifax reports additional positive payment history on a closed account.
Consumer complaint received 2022-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

I applied for the Florida Department of Economic Opportunity Homeowner Assistance Fund on XX/XX/XXXX and was finally approved XX/XX/XXXX. I am currently 4 months behind on my mortgage through TIAA/XXXX. I am XXXX with a child and have been going back and forth with SSA with reinstating my benefits since XX/XX/XXXX. I have been contacting XXXX regarding the HAF Program and inquiring about payment that was issued on my behalf from HAF on XX/XX/XXXX in the amount of {$1300.00} to cover my past due mortgage balance. Unfortunately, I have had no resolution in this matter and it seems like I am getting no answers and I been hung up on and being told to contact the third party HAF with any questions that I may have. I am trying to save my home so my child and I will not become homeless. We have the funding but XXXX is not trying to assist me with it and claim they are not aware of the programs funding. I am calling every other day and Im not getting anywhere with them.
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (TX)

I was given a vanilla gift card. I checked the balance on their web site and found out that {$490.00} of the {$500.00} dolls were already used aXXXX XXXX XXXX 
I called the company right a way. They said they put a hold on the card but I would have to call back a week later to see if they got the transaction stopped. 
I called back on XX/XX/22 they said the money had been spent. I would need to fill out and send back a form. I sent back the form. 
This company has stolen {$500.00} dollars from me. Please help.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MS)

Since XXXX i have had my account locked for an review for a month now i been wringing them everyday since sending things like selfies with my dl and passports documents verifying deposits i have been almost evicted because of late fees because i have had an account Ive called for two weeks no one can help me and i have been writing since last week and no one has responding back to me reguarding my request i dont even want they account cause this has been the absolute worst bank to be with never have your back i remember i got scammed for XXXX taking out of my account and they basically told me after 90 days they cant help me. I just want my remaining funds sent to me in a check so i never have to deal with this bank again. Another option is open the account like i was promised and let me transfer everything out. Tired of crying and being stressed bout money thats suppose to be mine and kept safe by an fdic bank chime needs to handle the customers better
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KS)

Equifax reporting my name incorrectly as XXXX XXXX XXXX. 
I repeatedly requested them to make correction and submitted proof of my name and address. I requested them any other incorrect names and addresses appear on the credit report they are providing.