davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2016-06-29
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (FL)

On XXXX XXXX, XXXX, at XXXX PST somebody wire the Amount of {$16000.00} to a XXXX XXXX XXXX Account endi ng on XXXX ( I do not have the full Account Number only XXXX Last Digits ) from my Paypal Account without my Authoriz ation. This is Grand Theft I have contacted Paypal on several occasions, starting on XXXX XXXX, XXXX, then XXXX, then XXXX XXXX and the y said there is no issue and they do not want to help me. They always said somebody is going to help me but nobo dy contact me. 
I went to XXXX XXXX XXXX, to verify and they are willing to help me if I give them the complete Account Number wh ere the money was wire to so they can trace who it belongs to, the manager of XXXX XXXX XXXX contacted PayPal, a nd they did not want to help. They said I need a subpoena. 
I filed a Police Report. 
I do not know what to do since Paypal does not want to help me find out who stole my Money. I need to get the co mplete XXXX XXXX XXXX number so XXXX XXXX XXXX can trace the wire. 
I requested Paypal to give me the IP of the Transaction but they do not want to help me, I am sure that if we find o ut the IP we can trace who got into my Paypal Account
Consumer complaint received 2024-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (CA)

I woke up one day to a notice informing me Roundpoint mortgage had charged my escrow {$4300.00} for homeowners insurance coverage, which I already have. They never requested that I show proof of insurance, they just went ahead and procured it. 

After navigating some very rude service reps and overcoming the fact that their customer support number is literally nowhere to be found on their website, I gathered that the issue was that while their customer service department had my updated mailing address ( which they read out to me to confirm it ), their insurance department was not showing the updated address. To make things worse, the insurance departments informed me that only the customer service department can update the address ... which of course is a problem since the customer service department already has the right address. 

So there I am, a customer left hanging between two departments of a broken mortgage lender that couldn't care less about their customers if they tried.
Consumer complaint received 2016-09-14
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX XXXX XXXX - provide order that bears XXXX name. - XXXX XXXX XXXX attach the schedule stating this debt is secured or unsecured? 
XXXX XXXX XXXX - is a third party collection company whom appears to have paid a debt during a open bankruptcy that was not owed in attempt to collect from me. XXXX XXXX XXXX did not communicate with the attorney of record. 

XXXX stated : Please allow this letter to serve as XXXX XXXX XXXX XXXX XXXX 's ( " XXXX '' ) response to the complaint submitted to your office by XXXX XXXX XXXX ( the " Complaint '' ). XXXX is committed to customer service and we hope that this response addresses the concerns raised in the Complaint. 

In the Complaint, XXXX XXXX states that XXXX 's documents contain multiple non-corresponding dates ; that the transaction history appears to show that the debt has been paid ; and that XXXX has not confirmed how a lien remains on the property. XXXX will address each statement below. 

First, XXXX is unclear as to which documents XXXX XXXX is referring. XXXX 's records indicate that XXXX XXXX received a discharge of her personal obligation to repay the debt through her Chapter XXXX bankruptcy proceedings. Prior to that date, XXXX 's records indicate that the account was due for the installment payment for the month of XXXX XXXX. Due to the bankruptcy discharge, no payments on the underlying debt have been made since XXXX and XXXX 's transaction history indicates as much. A copy of the transaction history was provided to XXXX XXXX upon her request. This document shows a " due date '' in XXXX and a " trans date '' [ transfer date ] in XXXX, which is the year that XXXX obtained the right to collect payments on the account. XXXX hopes that this explanation helps to clarify some of the confusion concerning non-corresponding dates. Otherwise, XXXX denies that its transaction history or other documentation demonstrate that the debt has been paid in full or paid at all since XXXX. 

Finally, XXXX XXXX states that XXXX has not demonstrated how a lien remains on her property. On this point, XXXX believes that XXXX XXXX should seek the counsel of her bankruptcy attorney. It appears as if XXXX XXXX file a motion to avoid the subject lien within her bankruptcy proceedings, and that this motion was denied with prejudice. Otherwise, XXXX is unable to advise as to the legal reasons underlying the denial of this motion. 

XXXX hopes that this response was helpful. If XXXX XXXX has any further questions or desires any clarification concerning this response, she should not hesitate to contact XXXX.
Consumer complaint received 2024-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northstar Location Services, LLC (NJ)

Northstar Location Services , LLC has sent me a letter in the mail stating that they are a debt collector and that I owe a debt to XXXX XXXX XXXX 

I do not Owe XXXX XXXX XXXXXXXX nor Northstar Location Services , LLC the alleged debt amount of : {$1000.00} Please see attached pdf document ( s )
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX at XXXX XXXX  on the Wells Fargo app I was using on my phone. Comes to find out when, I logged in on the app. That my checking and saving accounts was close for no reason. When I have a direct deposit setup in my checking account.This issue been an on going situation with the people behind Wells Fargo on my bank account.I would like to proceed this matter further. You can contact me at the above information provided.
Consumer complaint received 2023-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

YOUR COMPLAINT Chase totally initiated this criminal action. 
This whole situation was initiated by XXXX XXXXXXXX XXXX on behalf of JPMorgan Chase Bank , N.A . Then XXXX XXXX then XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX now represented by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX. On XX/XX/2023 I did not show up for a hearing on a fraudulent foreclosure housing court hearing as I am XXXX XXXX XXXX XXXX XXXXXXXX and with XXXX XXXX XXXX XXXX XXXX XXXX XXXX highly aggravated by stresses. This XXXX XXXX XXXX is well aware of my age and health status. I filed into a Superior Jurisdiction Court being the Land Court, to address the criminal illegal foreclosure attempted on me as well as Now illegal eviction threat on me. I am legally allowed Special Accommodations in all of the courts as per XXXX laws and now this being the case this XXXX XXXX XXXX, XXXX is trying to illegally not only push thru this illegal foreclosure fake/forged documents but Now also this party is trying to evict me before 10 days the default removal time window is closed for removal of this so called default. being the 10 days from XX/XX/2023 is XX/XX/XXXX, XXXX attempted eviction is illegal as per misrepresentation forgery and photocoping present on foreclosing documents. This party was supposed to wait until at least XX/XX/2023. This party is trying to avoid my Land Court Complaint that I have filed on Friday XX/XX/2023 for Try Title, proving illegal foreclosure and other crimes done to me as an XXXX XXXXXXXX person and homeowner of 34 years. This attorney XXXX XXXX XXXX XXXX XXXX should be disbarred for this abuse to me, as well as aiding and abetting this XXXX XXXX XXXX, XXXX for criminal acts to what amounts to Premeditated murder for profit of this XXXX XXXX woman with use of an illegal foreclosure with use of emotional terrorism. Also on the early XXXX XXXX of XXXX there was an attempted Trespassing situation whereas a man entered my property ( recorded on security cameras ). I have been living here at this same address since XXXX and this has never happened before. I believe this party is XXXX XXXX XXXX, XXXX is trying to terrorize me into leaving my home to steal possession of it, to flip it for Profit, in short premeditated murder for profit, terrorizing this XXXX XXXXXXXX person. It was only 4 days after this so called default that a clerk defaulted me when I was supposed to have 10 days to remove it. Also, What gives a Clerk the authority to rule on a case? and or execution?? attached housing court docket and police report -- -this is all in addition to this dangerous aggressive predator XXXX XXXX XXXX XXXX to my door to terrorize me on XX/XX/2023 as attached.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Consumer complaint received 2024-09-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (VA)

I am filing an official complaint and request to restore full access to my account and my funds. My email associated with the account in question is XXXX I am writing to formally address a critical issue regarding the limitation of my PayPal account and the withholding of my funds. 

Below is a detailed account of the situation : I used my PayPal Balance, associated with my PayPal Debit Card, to make an ACH payments to my XXXX credit card prior to XX/XX/XXXX. These payments were successfully debited and settled on both my PayPal balance and XXXX account without any issue. 

On XX/XX/XXXX, and XX/XX/XXXX, I attempted to use my PayPal Balance again to make {$3000.00} payments to my XXXX credit card. These payments were rejected and returned by XXXX with the notification : " Your financial institution returned your credit card payment - Your financial institution returned your recent credit card payment below, and we won't try again '' ( see attached notice ). 

On XX/XX/XXXX, I received an email from PayPal indicating that my account was permanently limited due to a report of " unauthorized debit or credit card use '' associated with my account. The reference ID for this notification is XXXX ( see attached email ). 

Funds Withheld : Upon further investigation into my account limitation, I was informed that my PayPal Balance, totaling {$6600.00}, is being held until XXXX XXXX XXXX I want to emphasize that I authorized all the transactions in question. 

The issue arose from the payment rejections by PayPal and XXXX, not from any unauthorized use of my account. 

I believe that holding my funds for this extended period is unjust and constitutes a severe financial hardship. 

Therefore, I respectfully request the following : 1 ) Please review the details of my case and lift the permanent restriction on my PayPal account. 2 ) Restore full access to my PayPal Balance of {$6600.00} and my account, which is unjustly being withheld from me. 

I am officially requesting Paypal to remove any restriction on my account. Holding my funds for 6 months is causing significant financial hardship that isn't due to my fault. 

Thank you
Consumer complaint received 2023-05-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (FL)

I, XXXX XXXX principal holder, has wrote a letter to LVNV FUNDING LLCXXXX XXXX XXXX XXXX XXXX letting them know It's my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. I do not have any contract with them. I asked them to prove to me that this is a true debt. they have not responded. or removed this of my credit. 
i am willing going to arbitration if they don't remove this off and but my name in good standing. 

F.D.C.P.A. at 15 USC 1692 e.g.

title 18 section 8 ( all debt is obligation of the United States cestuiquevieact 1666 trust account pursuant 15 USC 83 banks can not loan money
Consumer complaint received 2023-05-20
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. (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 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 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 2017-01-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (MN)

XXXX has a partnership with Experian. They have a credit score on my landing page that says its mine. It was XXXX, so i went ahead and applied for a car loan. They turned me down. They told me they dont use that score but pull from Experian and XXXX. They suggested i pull the report from them, so i did and Experian is XXXX points lower. When i called to ask why no one would say, they said there is XXXX negative report, and to dispute it. I did and every since than my score has been going down daily, yet when i call they wo n't answer why even though i have a subscription with them. They refuse and either transfer me or tell me to call XXXX Its XXXX deragatory payment that is not correct. I ca n't get anyone to help me. My credit score has dropped daily since i started to ask why ...
Consumer complaint received 2023-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (TX)

DEAR CFPB I, XXXX XXXX HAD APPLIED FOR A CARD WITH WAYFAIR. I NEVER HAD A CREDIT CARD BUT A VOUCHER SAYING I WAS APPROVED WITH THEM. THEY SENT OUT A DEFECTIVE PRODUCT AND WANTED ME TO PAY THE POSTAGE TO SEND IT BACK. WE ALL CAME TO AN AGREEMENT AND THE MATTER WAS SOLVED. IN RETURN I CANCELLED THE ACCOUNT THIS WAS ABOUT A YEAR AGO. IN RETURN THE COMPANY CREDIT BUREAU BEGAN TO CALL ME AND HARASS ME XXXX XXXX XXXX. I TOLD THEM THAT I DID NOT OWE WAYFAIR ANYTHING AND HOW THE MATTER HAD BEEN SOLVED OVER A YEAR AGO. I HAVE EMAILS STATING THE ACCOUNT WAS CLOSED AND SOLVED I ALSO HAVE THE INFORMATION ON A RECORDED MESSAGE. I INFORMED XXXX XXXX XXXX AND THEY DID NOTHING BUT KEEP SENDING ME EMAILS AND CALLING ME SAYING THEY DONT CARE WHAT WAYFAIR  SAYS THAT I OWE THEM. IF THIS DONT STOP A LAWSUIT IS GOING TO BE FILED AGAINST BOTH PARTIES.
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 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  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 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 2023-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I am writing to file a formal complaint against LVNV Funding, LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : 1. Unauthorized Debt Acquisition : LVNV Funding, LLC acquired a debt from the original creditor, XXXXXXXX XXXX, without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent. 
2. Failure to Provide Verification of Debt : On XX/XX/, I sent a written request to LVNV Funding, LLC, requesting verification of the alleged debt they were pursuing against me. However, the agency failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA. 
3. Ignoring Cease and Desist Instruction : In my previous correspondence with LVNV Funding, LLC, I explicitly instructed them to cease all communication with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued to engage in collection efforts, including phone calls and letters, disregarding my rights under the FDCPA. 
These ongoing violations have caused significant distress and have infringed upon my rights as a consumer. In light of these circumstances, I am seeking the following actions : 1. Investigation : I request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into the actions of LVNV Funding, LLC to determine the extent of their violations and hold them accountable for their non-compliance with the FDCPA. 
2. Cease Collection Efforts : I demand that LVNV Funding, LLC immediately cease all collection activities related to the alleged debt until they provide valid verification as required by the FDCPA.

3. Remedial Measures : I urge the CFPB to take appropriate measures to ensure that LVNV Funding, LLC rectifies their violations, including but not limited to imposing penalties and sanctions as permitted by the FDCPA. 

Enclosed with this complaint, you will find copies of all relevant correspondence, including the written request for debt verification and the documented disregard of the cease-and-desist instruction. These documents serve as evidence to support my complaint. I appreciate your attention to this matter and your commitment to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and provide me with a resolution.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 680XXXX effective immediately and indefinitely. 

TD BANK USA/TARGETCRED XXXX
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (TN)

I had a checking and a credit card with US Bank and credit card with XXXX  after covid obviously no job no money at all. Through a scam debt resolution company I tried to consolidate as much and US Bank never responded or didnt wanted to settle. Account in general was sent to collections and keep harassing with court stuff plus the collection agency.