davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

Carrington Mortgage bought my VA mortgage from XXXX XXXX. Ive owned the home for 16 years. In XX/XX/2021, my electronic payment from my bank did not go through. I had no idea. Later, I received a late payment notice via mail. I just assumed that it was in error ( with XXXX, I didn't always pay on the first of the month, and had 10 days before it was late... .Never had a late payment with XXXX XXXX XXXX to my recollection ). I just assumed the payment went through after Carrington sent the notice. Then in XXXX, I paid. Received a late notice. XXXX and XXXX, same thing. Because this had already happened for 3 months, in XXXX, XXXX, I actually paid attention to the date I paid the mortgage. I took the initiative to try and figure out what was going on and to my surprise, the XXXX XXXX payment was never charged to my bank account. Carrington was reatroactively applying monthly payments and charging me late fees. They never informed me that a payment was missing. They assert that they called my primary telephone number. That number was a landline number in XXXX XXXX 's database, that was discontinued more than 10 years ago. They never called me on my cell. As a result, I can't move at the end of the Summer as I had planned since XXXX XXXX requires 12 months of no late payments. This is really a problem for me and my family.
Consumer complaint received 2021-02-23
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: Bread Financial Holdings, Inc. (DC)

XX/XX/2021 I called to make and payment via the phone on my XXXX XXXX Comenity Bank card account number ending in XXXX, the representative decline and refuse to take my payment and instruction me to make the payment in person at a local retail store. Currently, the District of Columbia has no retail store, the next available store to my home is more than 20 miles away. 15 days later, Comenity back reported one 30 days later payment to all credit agencies. 

I recently placed a call on XX/XX/XXXX to inquire about the unfair reporting and was transferred to an account manager who apologized and process my payment of {$66.00} vis my debit card via the phone. 

Had the representative processed my payment in XXXX it could have prevented the negative reporting which lowered my score 31 points. 

Comentiy Bank did not provide fair credit consumer rights nor practice and treated me fairly.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

In care of : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2024 Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, IA XXXX Dear Sir/Madam, I am writing to exercise my rights under the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically regarding the disclosure of nonpublic personal information to nonaffiliated third parties. 
As per Section 6804 of the FCRA, I wish to exercise my right to opt-out of the disclosure of my nonpublic personal information to any nonaffiliated third party. This letter serves as my formal request to prevent any such disclosures in accordance with the law. 
I understand that under the FCRA regulations, I have the right to prevent the disclosure of my information by financial institutions to third parties. I hereby exercise this right and request that you refrain from sharing any of my nonpublic personal information with nonaffiliated third parties. 
Please acknowledge receipt of this request in writing to confirm that my request has been processed accordingly. I would appreciate it if this opt-out request is promptly applied to my account and any relevant databases under your jurisdiction. 
If there are any forms, procedures, or further documentation required to complete this request, please inform me promptly so that I may fulfill the necessary requirements. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of this opt-out request as soon as possible. 
Sincerely, XXXX XXXX ( Please only contact me via the XXXX MAIL. )
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IL)

I have setup automatic payments with American Express for several months. I do this in order to 1 ) pay off the full balance my credit card every month and 2 ) avoid interest charges. 

For my statement ending on XXXX, my automatic payment of {$6200.00} was processed via auto pay XXXX. I was under the impression that this would prevent me from being charged interest afterward. However, I was assessed an interest charge of {$280.00} on XX/XX/XXXX. 

I called American Express to try to fix this issue and they were of no help. They essentially told me they can not guarantee interest will not be charged after an autopay is made. 

This practice does not seem fair to me as a consumer. If paying off the full balance by the due date does not prevent interest charges, what does?
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The items listed below are reporting on my personal credit file and were found in my reports with 3 credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$290.00} XXXX XXXX SELF-REPORTED XXXX Balance : {$100.00} ; XXXX SELF-REPORTED XXXX Balance : {$32.00} ; XXXX SELF-REPORTED XXXX Balance : {$20.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$290.00} : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX  XX/XX/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 XXXXXX/XX/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 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 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 2022-03-02
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. (GA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX BANK XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12.00} XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXXA XXXX Balance : {$100.00} XXXX XXXX XXXX XXXXT XXXX Balance : {$3700.00}
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am XXXX XXXX and I am submitting this complaint myself. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : ( XXXX LT XXXX )
Consumer complaint received 2024-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/year> I took a private taxi from hotel in XXXX XXXX XXXX XXXX to the airport. The agreed price was {$46.00} USD. At the end of the ride, the driver had me scan my credit card using a reader attached to his phone. He showed me the agreed price of {$46.00} USD in the XXXX peso equivalent before charging my card. However the initial card I used was being declined due to this being an unrecognized foreign transaction. This happened twice, so I switched cards. The first 2 times the driver showed me the price, but the last time he did not. I am not sure if it was intentional or a mistake by the driver as he was rushing, but he charged my card {$460.00} USD for the taxi ride, adding an extra digit to the end of the charge. This time using the second card, the charge was accepted the first time and the payment processed. I did not realize until in the airport when connected to WiFi of the charged amount. When I disputed the claim with my credit card company, and provided the screenshot proof of the original declined transaction they said they can not issue me a credit due to it being not enough proof. I was told to contact the merchant, however it was a taxi, not uber and I had no way of identifying the driver or company. My logic is, I am providing the declined charge message from the initial attempt showing the agreed price that was attempted to be charged. However my card was not charged that amount. All I want to do is pay the agreed amount that I was originally charged had it not been declined. Since this was in a foreign country, with a language barrier I was unable to get more documentation. I reopened the dispute with the credit card company, and wrote them a letter with a printout of the screenshot showing the dispute charge and I received another denial letter from them one month later. The credit card company in question is JetBlue Mastercard, which is unfortunate due to my loyalty to JetBlue for my travels.
Consumer complaint received 2022-06-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Armcon Corp (CA)

I had been promised immediate treatment if I paid {$550.00} for a dental consultation and x-rays. The dentist took the money and did not fulfil the promise of immediate treatment to cure the pain I was in. 
I filed a dispute with XXXX on the credit card I used for payment and won a permenant credit of {$550.00}. 
The Dentist has not honored his contract as a credit card merchant and has filed with a collection agency for the dismissed debt including additional charges. The collection agency filed this collection with XXXX and caused my XXXX score of nearly XXXX points to drop by XXXX points. 
I need help with this abuse to restore my credit and force the Dentist to honor the contract he signed as a credit card merchant. I have found both the Dentist office and the collection agency to both be unethical in attempting to ruin my credit as retaliation to the unfavorable decision that was made against them in the dispute thy lost.
Consumer complaint received 2023-03-15
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: Tower Loan of Mississippi, Inc. (MO)

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (NV)

XXXX XXXX Paid Off through XXXX XXXX Reference Authorization Code XXXX through Representative XXXX. This account should not be reporting to any of my credit reporting agencies per agreement of remove of tradeline upon payment being paid. This needs to be removed from my account immediately and is in violation of section 604 of the Fair Credit Reporting Act ( FCRA ). Need account removed asap please. Thanks.
Consumer complaint received 2024-12-04
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ideal Collection Services, Inc. (FL)

Subject : Request for Debt Validation Pursuant to the FDCPA Dear Ideal Collection Agency, I am writing in response to your recent communication regarding an alleged debt you claim I owe. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide proper validation of this debt to ensure its validity.

Please provide the following documentation : 1. The exact amount of the alleged debt ; 2. The name and address of the original creditor ; 3. A copy of any agreement bearing my signature that demonstrates my liability for the debt ; 4. Verification of the debt or a copy of any judgment ; and 5. Proof that you, Ideal Collection XXXX, are legally authorized to collect on this debt. 



Until you provide the above documentation to verify the debt, you are legally prohibited from : Continuing collection activities, including phone calls and written communication ; Reporting the debt to any credit reporting agencies ; Initiating any legal action regarding this debt. 



Demand for Immediate Action : 1. Cease All Collection Activity : You are required to immediately halt all collection efforts, including phone calls, written communication, or credit reporting, until the requested documentation is provided.

2. Provide Debt Validation : Within 30 days, you must submit the legally required validation of this debt. Failure to do so will result in formal complaints filed with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) for violations of the FDCPA.

Failure to comply with these legal obligations may result in my pursuing legal action against Ideal Collection XXXX for attempting to collect an unverified debt, as well as damages for violations of my rights under the FDCPA. 



If this alleged debt can not be validated within the time prescribed by law, I will consider the matter closed and will request that all references to this alleged debt be removed from any credit reporting agencies. 



Thank you for your prompt attention to this matter. All future correspondence must be in writing and sent to the address listed above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PR)

On XX/XX/year>, I received a notification from Privacy Assist ( XXXX  : XXXX  ), a service I pay for, with an alert on my credit report. The alert indicated that I had a credit card debt with CAPITAL ONE that appeared on my XXXX credit report. 

I followed up to create an XXXX account and found the credit report alert. I proceeded to call XXXX for more information about the alert, and they saw that there appeared a credit card to the name of either XXXX, XXXX, or Fransua* ( can't recall well the third name ) with the last name XXXX XXXX I told the XXXX representative that my full name was XXXX XXXX XXXX XXXX. Since I'm XXXX XXXX, and in our culture, we use both our parent 's last names, they might find an account with the XXXX last names, never only using the XXXX. 

Based on the validation of my information, the XXXX representative saw that it might be an issue regarding an error of mixed accounts since there were multiple similar names, and I have never lived in XXXX, where the account appeared to be registered. Ive lived all my life in XXXX XXXX and in my actual home for the last 12 years. After checking this information, she told me that there was a chance It might not be an identity theft issue, but she had to pass the call to the fraud team, which she did. 
The following representative who attended the call validated all the information again and told me that they would open an investigation and that I should follow a few steps to complete it, which brought me to write this email.
Consumer complaint received 2022-03-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (UT)

I am recieving XXXXs from a fake banking company. They sent the offer via mail and i have the letter they sent. Its an offer for a {$1500.00} dollat loan with an intrest rate of 299 %. I know this is a scam because of the high intrest rate. Attached they have a listed website and a seemingly legit buisness. The company name is CashNetUSA. Attached is a card similar to a credit card a traditional legit bank would send as well as a website and a phone number. 
# XXXX They have another number attached where the person can call to recieve an " opt put notice '' but this is a trick just to obtain the victim phone numbers and possibly sell the number to other companies. 

The scam is they are posing as a fraudulent credit institution and they are sending it via the postal service and as an XXXX 

Thier return address is XXXX XXXX, MN permit XXXX. XXXX However its stamped with another address : XXXX XXXX XXXX., XXXX XXXX XXXX, IL XXXX. 

This is directly targeting individual residence using XXXX.
Consumer complaint received 2023-05-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc. (CA)

Cash XXXX XXXX XXXX is a Member of SIPC, which protects securities customers of its members up to {$500000.00} ( including {$250000.00} for claims for cash ) in the event the member becomes financially troubled. 

( Review more about what XXXX protects and review an explanatory brochure at their website, www.sipc.org ) XXXX XXXX XXXX XXXX, member of FINRA and SIPC and a subsidiary of Block , Inc . 
( XXXX, XXXX hereinafter referred to as " XXXX XXXX '' ). 


Hello my name is XXXX XXXX XXXX. Ive been struggling with a cash app account with obtaining my funds that are restricted with ( XXXX  XXXX XXXX XXXX, member FINRA/ SIPC and a subsidiary of XXXX XXXX XXXX XXXX XXXX XXXX that failed to ensure my ( FDIC ) {$250000.00} ) the funds failed in the event the member becomes financially troubled. I been having a variety of issues obtaining my funds that are restricted. I'm writing to you to inform you about the required steps to confirm ownership of my email address, mobile phone number or financial instruments, or verifying your information against third party databases or through other sources. 




XXXX funds i'm entitled to inquire about I certify the information provided to XXXX is accurate and consent to XXXX using such information as is necessary to fulfill Blocks federal, state and local tax payment or withholding purposes and tax filing obligations
Consumer complaint received 2022-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I HAD VENMO FOR YEARS. I TRANSFERRED {$7400.00} TO MY BANK ACCOUNT, VENMO STATED I SHOULD HAVE RECIEVED THE FUNDS THE NEXT BUSINESS DAY WHICH I DID NOT. VENMO FROZE MY ACCOUNT WITHOUT WARNING, THEN LATER THE SAME DAY CLOSED THE ACCOUNT WITH NO WAY OF ME RETAINING MY FUNDS. 

HOLDING MY FUNDS FOR NO LEGIT REASON OTHER THAN THEIR OWN FINANCIAL GAINS. AS IT STATES IN VENMOS 'TOS ' THEY CAN USE MY FUNDS TO TRADE AND GAIN INTEREST WHICH IAM NOT ENTITLED TO RECIVED ''. TO ME THATS AN INCENTIVE FOR VENMO TO FREEZE MY ACCOUNT AND OTHERS SO THAT THEY CAN PROFIT AND CAPITALIZE WITH NO REGARDS TO THE ACCOUNT HOLDER I CAN NOT ENDURE AFFORD FOR VENMO/PAYPAL TO PROFIT OFF MY FUNDS BY TRADING/CAPITALIZING. WHILE I SIT HERE IN A FINANCIAL PURGATORY THIS ISNT HOW CUSTOMERS ARE SUPPOSED TO BE TREATED IN A DIRE TIME LIKE THIS.

INFLATION IS UP, COVID-19 IS UP, PEOPLE ARE STRUGGLING GLOBALLY. I WOULD LIKE MY FUNDS RELEASED PLEASE ASAP. AMOUNT : {$7400.00},,,,, IAM REQUESTING MY FUNDS RELEASED IMMEDIATELY TO PREVENT FURTHER LEGAL ACTION. SUBJECT TO ARBITRATION