davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

The company involved is the CitiBank or Citi XXXX - related to my Citi XXXX credit card. 

I opened this account or credit card initially as a balance transfer. This account came with XXXX promotional period for purchases and for the balance transfer. My purchases promotion ended on XX/XX/year>, prior to that period my promotion ending my XX/XX/year> statement which was for the dates of XX/XX/XXXX thru XX/XX/XXXX, I had a small balance of {$110.00}. A payment of {$300.00} was made prior to this statement which resolved the {$110.00} and the remaining applied towards my balance transfer balance. 

Between XX/XX/XXXX and XX/XX/XXXX, i completed several purchases in the amount of {$1400.00}, prior to the closing on my payment due date of XX/XX/XXXX and closing date of XX/XX/XXXX. I made a payment in the amount of {$2500.00} on XX/XX/XXXX. Citi instead of applying the payment to the payments that would accrue interest, they applied the full balance towards the interest free balance transfer amount. Per the representatives Ive spoken with at Citi today and prior payments made would always go towards the due amount and then any overage goes towards the high interest amount. I called them to correct this on XX/XX/XXXX and XX/XX/XXXX and they continue to talk in circles even after telling me several stories on why the interest of {$39.00} now showing for my XXXX statement is correct. 

My XX/XX/XXXX payment due amount was {$65.00} I made a payment of {$2500.00}, they refused to refund the additional money as it was not correctly and they also have refused to properly allocate the funds to remove any outstanding purchase balances that would accrue interest. All transactions were completed within the billing dates and payment due date.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-12
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MO)

I need to complain about my lender, Mr. Cooper, and their failure to make escrow payments in a timely fashion. On Tuesday, XX/XX/XXXX ( at XXXX XXXX ), I received an email from my homeowner 's insurance company that my payment was past due for a renewal of my homeowner 's insurance policy. The policy is set to expire on XX/XX/XXXX. 

On Wednesday, XX/XX/XXXX, I called XXXX ( my insurance policy holders ) and they made clear that if payment was received too late ( here, XX/XX/XXXX or later ) that my policy would be cancelled. They suggested I check in with someone at Mr. Cooper. If I could make a separate complaint about attempting to talk to an actual person, I would. Their live chat was unable to respond to my question, no one has responded to my query in the message system on the website, and the phone system will put you onto an automated system as soon as it can. When it was clear I was calling about the escrow payment that was late, the automated system gave me platitudes that it would be paid, and if it was late, it would cover any fees ( I don't think that's a good sign to be honest ). But it was unable to tell me if the payment from escrow had been sent. I tried to hit XXXX or ask for a representative, but all were met with " Sorry, I don't understand '' or " Invalid option ''. There are situations where you need to talk to an actual person, but it seems that Mr. Cooper would rather people be stuck in an automated system loop. I was only able to talk to a person by finding a number on XXXX, of all places. Once I finally got in touch with a person at Mr. Cooper, I was told that the payment had been sent on the XXXX of XXXX -- the previous year, Mr. Cooper had sent my payment in late XXXX. 

After calling XXXX again, I was told that a payment sent on the XXXX would not be received in time, and that my policy would likely be cancelled. I used my savings account to pay the cost myself, {$1400.00} total. Hopefully that will get reimbursed once the escrow payment is made, but it should not have come to that in the first place. The payment should have been made in a more timely manner. That's what the escrow account is for! If I had not had the savings, I would have had to pay on a credit card -- and imagine if I had none of these options at all, my insurance would have been cancelled for someone else 's lateness. What prompted me to make this complaint is that several others on the XXXX XXXX XXXX and XXXX have been making similar complaints about Mr. Cooper and their lateness over the past few months. I am not the only one having this issue, and I hope it is a wake-up call for Mr. Cooper to fix this issue.
Consumer complaint received 2024-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (TX)

I took out a credit builder plus loan from money lion. This loan requires that you pay back a set amount and when the final payment is met. You will have all the money you put into the credit reserve fund send back to you. Money lion have said they have a very high priority ticket open to solve this. I have been told various time frames in which the money would be repaid to me. I still can not get an update on it. They act like the team responsible is XXXX XXXXXXXX XXXX XXXX, and I can not talk to them.
Consumer complaint received 2024-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (SC)

On Friday, XX/XX/XXXX, my paycheck for work was deposited into my Venmo account. After it was deposited, I tried to transfer some money over to my wife to pay the bills. This action completely locked my account down to where I had no access to funds. Submitting complaints online. I finally got a hold of a real person to talk to and the debit card department. They explained that they thought there were some unusual activity so I verified my ID by sending not only a copy of my state drivers license but also the previous month financial statements from my cash app account.. My Venmo account was then put under restriction long enough for me to order XXXX thing off of XXXX. However, I tried to go to the ATM machine and withdraw some money and it locked my account back down for suspicious activity every day for a week I have been on the phone trying to find out what is going on because this was money that I live off of week by week. I was not able to get to work and lost my job because of this. Here, I am over a week later, and my funds are still not available. No one at Venmo can explain why my account is suspended all I am being told. It is up to an XXXX  XXXX to unlock it. There is no talking to an XXXX  XXXX. I have learned a valuable lesson on this one! Venmo needs to be shut down.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/year>
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC. (AR)

On XX/XX/year>, I opened a checking and savings account with XXXX XXXX. I made 2 transfers from another bank to fun both XXXX XXXX  accounts. I was able to make one 3 bill payments and one transfer. And now as of today ( XX/XX/year> ) I am not able to use my debit card, use bill pay or make any transfers at all. I attempted to call the bank 2 times today. The first time I was put on hold for 30 minutes and finally hung up. They second time I could barley understand the representative, but he said something about a fraud alert was placed on my account and couldn't give me any other information. I desperately need to be able to use my own money. I regret ever opening accounts with this bank and would like them to return all funds back to my original bank and close these accounts.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management (TX)

On XX/XX/year>, I sent a certified letter ( XXXX XXXX # : XXXX ) to Plaza Services regarding an alleged debt from the original creditor, XXXX XXXX, with an account number ending in XXXX. In this letter, I requested debt validation as allowed under 15 USC 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, I asked Plaza Services to provide the following : Validation of the Debt : Proof that the debt is valid, including a copy of the original contract or promissory note between me and XXXX XXXX, bearing my wet ink signature. 
Date of Debt : The date when the original creditor claims this debt became due and when it became delinquent.

Last Billing Statement : A copy of the last billing statement sent to me by the original creditor.

Account Closing Notice : A late payment notice and/or account closing notice provided by the original creditor. 
Authorization to Collect : A verified copy of the contract Plaza Services has with the original creditor, authorizing Plaza Services to collect the debt on their behalf. 
Licensing : Proof that Plaza Services is licensed to collect debts in my state.

Full Accounting : A general ledger statement showing the full accounting of the alleged obligation, including a commercial affidavit by the original custodian of the books and records.

Proof of Charges : Proof of any interest, fees, or other charges authorized by the credit/loan agreement.

Insurance and Bonds : A certified copy of all public hazard bonds and liability insurance policies held by Plaza Services.

Satisfaction of Debt : Proof that the alleged debt has not already been satisfied by other means, such as a tax write-off, insurance claim, or sale of the debt to a third-party debt collector.

Statute of Limitations : Documentation proving that the statute of limitations has not expired on this debt. 
Verification Method : Documentary evidence regarding how Plaza Services verified the alleged debt. 
On XX/XX/year>, I received documents from Plaza Services claiming to be debt validation under 15 USC 1692g ( b ). The documents included a promissory note that did not have my wet ink signature and did not satisfy the full requirements of debt validation as per the FDCPA. 

I am disputing the adequacy of the documentation provided by Plaza Services and request that they cease all collection activities related to this debt. I assert that Plaza Services has not properly validated the debt under the relevant provisions of the Fair Debt Collection Practices Act and demand that they comply fully with the requirements set forth in 15 USC 1692g ( b ). I also request that all collection actions cease until proper debt validation is provided. 

I have attached the original collection letter and the certified delivery receipt as supporting documentation for my complaint. 
Failure to act will leave me no choice but to pursue further legal remedies to enforce my rights under the FCRA and protect my credit profile.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

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.

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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TomoCredit Inc. (AZ)

I signed up with the business XX/XX/year>. Expecting a tradeline for bill history to be added to my credit reports with all 3 bureaus. By XX/XX/year> there was no tradeline history added to my credit profile on any bureau. I had consistent conversation through email requesting a response for why my tradeline was not being reported. I was getting the same response of it can take longer then expected. The advertised terms state it can take a month to be reported. There was no line reported after 3 months. The company states I requested a cancelation when there was never a email that stated to cancel the service. They just canceled it so they would not have to provide the service. However I still paid for two months of a service that was never rendered. I have complained to the company, XXXX XXXX the Attorney Generals Office, and Consumer finance. With no response being responded to besides consumer finance. I have tried to ask for my money back numerous times with warning of what will take place if I am not reimbursed for a service that was never provided. I have taken all proper procedure methods in order to obtain a settlement for my funds for that service with no success. This is my last attempt in requesting the funding back since services were not provided. All methods of communication will be used as evidence. There will be no stance to try to counter you all spending money because of me requesting my funds back. I have completed all correct measures to obtain my funds back and if you all will like to spend more money to try to fight the process for getting my money back for a service that was never rendered, then that will be your choice. You have been sent a letter from a Attorneys office stating the law in Arizona, where that service was bought and supposed to be provided, and your attorney did not contact the law office or myself as law is stated to do so. So with all this proof of communication I will proceed to claims. Thank you.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CRED Technologies dba cred.ai (FL)

In several occasions. With outstanding balance on my account. Cred.ai will post insufficient funds to my credit cards when I attempt to make payments. In consequence, with this other company 's I'm getting reported to credit bureaus and with nsf codes and fees. While this cred ai bank has my money. Cred. Ai keeps messing up my report. Customer service hangs up on you or don't answer at all. Emails get ignored. And when I asked for a dispute a manager or cfpb phone number on a recorded line the representative stated she couldn't assist and hung up the phone. Worst desicion of my life
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brock & Scott, PLLC (NC)

I recently received XXXX different correspondences for XXXX different debt collections under the company Brock & Scott , PLLC XXXX XXXX XXXX XXXX. Upon reviewing the correspondence, I requested validation of a debt collection listed on my credit report under the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 

Brock & Scott , PLLC XXXX XXXX XXXX XXXX sent me what they believe is validation of debt owed of the accounts, however by doing that it was found that XXXX Brock & Scott , PLLC XXXX XXXX XXXX XXXX failed to include companys permit number of collection agency on the stationery/correspondence form ( copies attached ) and is therefore in violation of North Carolina Department of Insurance General Statures ; XXXX XXXX XXXX. All collection agencies identify themselves in correspondence. All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency. The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( XXXX, XXXX XXXX, s. XXXX ; XXXX, XXXX XXXX, s. XXXX ; XXXX, c. XXXX. ) Brock & Scott , PLLC XXXX XXXX XXXX XXXX is in direct violation of federal & state laws, and therefore is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance General Statures & failing to abide by the Fair Credit Reporting Act. Attached is the entire Article XXXX. Collection Agencies where the exact section mentioned above can be found, directly from the NC Department of Insurance website. In addition, after speaking with a representative from the NC Department of Insurance who specializes in the Collection Company general statures, they confirmed that any stationery or form correspondence with debtors must contain the permit number of collection agency. The accounts in debt collection assigned to this company must be deleted as the company collecting on the debts ( Brock & Scott , PLLC XXXX XXXX XXXX XXXX ) violated not only federal laws, but also state laws, mandated by the North Carolina Department of Insurance General Statures ; XXXX XXXX XXXX.
Consumer complaint received 2024-09-11
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Halsted Financial Services, LLC. (VA)

Calling an texting before XXXX XXXX  an after XXXX XXXX. Leaving messages. An harrasing. On a debt that that I no longer owe to company I dont know this people a there texting me all times hours. An never heard of them I have no knowledge of this. Thank u for your serious attention to this matter
Consumer complaint received 2024-09-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (NC)

The most recent and concerning situation with my mortgage is in finding out I apparently have a " recovery loan ''. I reached out about assumption information for a potential buyer on my VA home loan property, to then find out it is no longer assumable as it is apparently a " recovery loan ''. I asked what a recovery loan was and was told to ask the owner. Well, I am the owner of the property. I have since reached out to an attorney for clarity on this matter to ensure proper channels are taken to get this status removed from my loan. I have NEVER missed a month, and my mortgage is current. I am now unable to sell my home under assumable circumstances because there is this false status on my loan. Not to mention when I call to speak with my company, who was looked up by the attorney, states is the actual lender : they are telling me that they are a debt collector ( aka I suppose the servicer ), however, the person that shows as my lender on the statement, is listed online as a servicer not a mortgage lender. So, I have loads of back and forth on who is allowed or who will willingly speak with me via phone. Not to mention, this is the company my mortgage was sold to.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (CA)

When I attempt to use my XXXX XXXX  online it is being declined even though there are funds available. I can not transfer the funds from my account to pay a bill or get cash. It happens without notice and I am left not being able to pay bills or purchase necessities. This is my social security check which is deposited directly into Chime.
Consumer complaint received 2024-09-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (FL)

Ive been trying to contact Jefferson Capital Systems to settle a debt in the amount of {$4800.00}. I called numerous times on XX/XX/2024 to see if I can settle the debt and get something in writing to show that the debt was settled. Nobody will direct me to someone where I can settle this debt.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I sent XXXX disputes to Experian asking them to provide physical verification of XXXX accounts ( XXXX of Michigan, and XXXX XXXX ) that were unverified, Each time they sent back an email stating that each account was verified without providing proof.