davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: U.S. BANCORP (FL)

Dear Sir/Madam : I have been having issues with US Bank since XXXX of XXXX when I paid off most of my loan ( principal ). Furthermore, I paid off the remaining on XX/XX/XXXX, in the amount of {$690.00}. 
On XX/XX/XXXX I sent a check for {$690.00} and specifically wrote in the comment for US Bank to apply it to the principal of the loan which they refused to do. Before this in XXXX of XXXX US Bank took away my access to make payments online and the only way to make payments is through USPS mail. I have disputed the insurance part of the loan which was the only outstanding part of the loan a policy that US Bank placed two policies on my property in XXXX of XXXX after expired dates ( XX/XX/XXXX and XX/XX/XXXX. ) and after they caused my policy to lapse as they did not pay it. 
On XX/XX/XXXX I returned home to find that US Bank had created a loan modification for {$0.00} which they placed there which is a fraudulent move by that bank to extort extra funds from the customer. Before this, I called US Bank several times and asked for the balance but they refused to do so. US Bank vindictive did not pay this customer 's insurance policy to place their policy and further placed a XXXX on the customer 's account to harass her for more funds. 
After applying all but a XXXX to the account, US Bank created a Modification without the mortgagor 's request and or knowledge and added to her account to pay an additional {$2300.00} due to {$0.00} owed on the balance which was paid previously in full. 
US Bank has caused months of pain and suffering to this customer. Even though I paid off my loan whose maturity date is XX/XX/XXXX US Bank refused to provide anything to release this account from US Bank. 
I have a second Mortgage ( noted as the recoverable corporate Advance on the US Bank account ) that will not begin until US Bank Home Mortgage ends. 
Finally, in XXXX of XXXX, I found out that my property has three policies which were placed in about XXXX of XXXX ( one from the mortgagor and two from the bank ) which I disputed. The mortgagor has issues with Us Bank paying the mortgagor 's insurance policy as required of them. Us Bank placed a XXXX on the account even though they received the full amount and also sent a false report to the mortgagor credit is appalling.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (VA)

On XX/XX/XXXX I spoke with XXXX at Concora about the monthly fee increase from {$12.00} to {$19.00} beginning XX/XX/XXXX. I am XXXX XXXX XXXX. I have a mortgage & utilities to pay monthly. I am also complaining about the {$29.00} late fee I am being charged because I have not made a payment due on XX/XX/XXXX. I have had this card since XX/XX/XXXX.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NM)

in XXXX, I closed my business due to business needs falling through. XXXX to XXXX was unpaid due to not being able to make partial payments, set up a payment plan in XXXX. haven't be late on the payment plan at all since. I went to go apply on a house loan and found out that American Express has hit my personal credit score for collections notice and 4 90-day late payments.
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

Hello, I experienced a scam through PayPal that is still not being properly resolved with my financial institution XXXX XXXX  XXXX XXXX ) where I filed a dispute or PayPal. 

To explain the situation, on XX/XX/year>, I was purchasing a physical item for XXXX XXXX XXXX XXXX XXXX from a XXXX seller who showed proof of having the item and agreed to ship it. I initiated an international money transfer to them but never received the item ( Transaction ID : XXXX ). They eventually decided to ghost me when I tried to contact them, indirectly indicating that they were not planning to ship it at all, as agreed upon initially. I transferred money with XXXX XXXX XXXX XXXXXXXX XXXX card and first tried to resolve it through my financial institution, but they would eventually deny the claim. At the time, I didnt know until around late XXXX when I continued contacting them to get some response from the ongoing issue that PayPal apparently told them that they didnt have any rights to working with them with the chargeback case, so they denied me any refund because of that. As a result, PayPal opened a case for me in XX/XX/year> that would eventually escalate further ( case # : XXXX XXXX XXXX to the lack of any recourse from the seller or the bank. So, my constant circle of calls and getting the same, not so helpful responses from both companies began and still persists today. 

On XX/XX/year>, PayPal closed my claim, siding with me and indicating on their resolution center website that I would receive a refund. However, the refund has never been processed by XXXX XXXX XXXXXXXX ( who PayPal says is responsible for that ) or PayPal ( who XXXX XXXX XXXXXXXX says should be responsible ). 

It is unacceptable how my case is supported but no action is being taken to fully conclude my dispute with the refund I rightfully deserve after someone who should have been trusted broke my trust for greed. 

I was wrongfully denied without even being given a chance to provide proof and Ive reached the limit to where I can wait any longer. I plan to file a complaint against both XXXX  XXXX XXXX and PayPal with my Office of the Attorney General in my state, the FTC and the XXXX  in this case.
Consumer complaint received 2024-08-14
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (PA)

A purchase of {$510.00} was attempted XX/XX/2024 on a XXXX authorized user card distributed by Capital One that had been locked for several months. On XX/XX/XXXX I received XXXX emails and texts that a XXXX charge was declined due to the card being locked from any purchases. The charge then was made XX/XX/XXXX which stated pending then posted XX/XX/XXXX. I called Capital One asked how the charge went through. I was told on the phone by Capital One that a glitch could have allowed it. I was told by another person that someone unlocked the card long enough to put the purchase through. I was told by another that locking a card is not fail safe though there is nothing in terms of service or documentation that states this. I opened a fraud claim with Capital One which came back denied though I believe the charge should never have been allowed.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I visited a wells fargo atm to deposit cash. As i was a depositing cash a stranger approached me asking him to deposit {$40.00} cash and send it to him on XXXX XXXX. As I bring up the deposit section he quickly puts two {$400.00} money orders in my account and demands me to withdraw them. Only one was instantly avaliable so only {$400.00} was able to be withdrawn. Immediately after, I reported this incident to wells fargo. They got me in contact with local pd who said this classifies as a robbery and I need to return to the scene. After speaking with wells fargo support for an hour they promised me the case would be resolved. A week later I get a notice that my claim was denied despite speaking to a wells fargo fraud investigator who has access to the atm cameras and cleared me of all wrongdoing. I also submitted a police report per Wells Fargos request. With the police saying that I was robbed, following procedure in submitting every piece of info requested, and a wells fargo fraud specialists admitting Ive done no wrong, it makes no reason as to why my claim was denied.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

I'm writing to highlight an issue of concern in my credit file. I've discovered a collection entry from your agency that I was previously unaware of. Additionally, I have significant reservations about the legitimacy of the claimed debt. Exercising my rights under the Fair Debt Collection Practices Act, I formally request debt validation. Please provide the necessary validation and take appropriate measures to resolve this matter.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

JPMCB CARD XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I was looking at my credit report an i noticed that there was inaccurate and or incomplete information reported on my credit report. I requested an investigation to verify the information was complete and accurate but they have yet to change the incorrect information and its was said to be verified but the incorrect information is still on my account. There has been multiple attempts to get this incorrect information corrected. one of multiple issues is this account is not reported according to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. i want a 1099-c ( cancellation of debt ) form from JPMCB Card services. I have yet to have this issue or any other documentation requested sent to me id like this incorrect information removed from my credit profile. JPMC Card services received a corresponding tax deduction for the uncollected amount associated with this charge off and had the balance of {$6600.00} as income on my taxes! This account can no longer be reported on my credit report. Not only does this violate my rights per FCRA it is also tax fraud. Delete this account from my file immediately for inaccuracy
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (PA)

My wallet was stolen about 2 years ago and someone opened credit cards in my name, got into my bank account and over drafted them on several occasions. Ive tried and tried to get these removed and resolved but my credit will jump right back up in the XXXX and go tight back down when they put it on there again, i have s car loan through XXXX thats it ive never been late on it my credit should be excellent but these people are morons find who stole my identity and put it on their report id like to buy a house when my car is paid off
Consumer complaint received 2023-03-12
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: Experian Information Solutions Inc. (IL)

In accordance to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-14
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: Navient Solutions, LLC. (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Cascade CISS Holdings, LLC (MA)

I called XXXX concerning a credit inquiry - XXXX XXXX XXXX XXXX Mentioned for me to contact dealer directly though I'm not sure if this will help. I request that inquiry is removed from my report.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

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 2024-08-14
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (KY)

I agreed to an installment-based payday loan on a term of 18-months at 635 % APR ( which already seems predatory ), but I needed the money just until I got paid the following week, ( today ), so I agreed to the terms while making it very clear to the loan processing agent on the phone that I fully intended to pay off the loan on the day that the first payment was due ( today, XX/XX/year> ). This morning at XXXX eastern time, my paycheck cleared my bank account, and so I attempted to place a payment order on MaxLends website. The Make a Payment button was completely grayed out with no explanation and no way for me to access their payment portal. I attempted to call Customer Service, but received an after-hours message, so I turned to their online chat-help. The agent, named XXXX, initially refused to accept any payment I was trying to offer ( including full and complete payment of the loan ), citing a policy that payments had to be ordered by XXXX eastern time the prior day, without offering to place one for the next day. She redirected me to try calling Customer Service during business hours, instead of offering to place a payment order for the following day herself. When I pushed her on this, she said I agreed to this process in the loan agreement, even though the loan agreement accepts pre-payments with no penalty. Eventually she relented to placing a payment order for the following day, but the payment amount that she quoted was so completely inaccurate that I can only assume she was actively trying to mislead me, as it was the biweekly payment amount for the next loan installment she was trying to get me to agree to processing, rather than the total loan amount. Between actively refusing to accept payment to clear the loan, lying about the amount needing to be paid to prolong interest accrual on a predatory loan at 635 % APR, and the fact that they have apparently from what Ive read lost their lending license for prior abuse of consumers, I am formally issuing this complaint against MaxLend
Consumer complaint received 2024-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (IL)

I paid my own taxes for 2023. The Mr. Cooper mortgage company said they did too. I sent them proof ( copy of check ) that I did. I requested from mortgage company to send me the proof that they did. They ignored me and they still charged me double escrow
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (PA)

I realized today that LVNV Funding LLC. has placed a derogatory tradeline on my credit report without ever sending me any information or disclosure that they would be placing information on my credit report which is FALSE. 
To send me NOTHING and proceed to insert false info. on my XXXX credit report is a clear violation under the FDCPA and FCRA. 


I dispute this alledged debt in its entirety. 
I will attest in a court of law that I am not liable for this debt and I never had a contract with LVNV Funding LLC. 

I am requesting complete validation of this alledged debt. I want a copy of the PURCHASE AGREEMENT or a Contract between your agency and alledged original creditor that you failed to include the name of on my credit report ( XXXX XXXX  ) which is another very serious violation under the FCRA and FDCPA.

Delete this information from my credit report immediately or I will seek legal representation and monetary compensation in a Court of Law.
Consumer complaint received 2023-03-12
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: Experian Information Solutions Inc. (CA)

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, 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 2024-08-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

COLUMBIA DEBT RECOVERY Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above I wrote them about validation of debt and immediate removal on XX/XX/XXXX and they have yet to respond. This is a violation
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (NC)

The CFPB claims that " We aim to make consumer financial markets work for consumers, responsible providers, and the economy as a whole. We protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law. We arm people with the information, steps, and tools that they need to make smart financial decisions. '' You claim to protect me from unfair, deceptive, or abusive practices and take action against companies that break the law. On XXXX different occasions I have reached out informing you that the XXXX credit bureaus are trampling over my rights and has repeatedly and continues to report inaccurate and incomplete information on my credit profile for the following account. Company : Wells Fargo Account # XXXX. On XX/XX/XXXX I file a complaint with all XXXX credit bureaus ( XXXX ). On XX/XX/XXXX the credit bureaus responded that they have completed a thorough investigation and confirmed that they were reporting accurate information. On XX/XX/XXXX I file a complaint with all XXXX credit bureaus ( XXXX ). On XX/XX/XXXX the credit bureaus responded that they have completed a thorough investigation and confirmed that they were reporting accurate information. Why do you continue to let the credit bureaus break the law? I have attached XXXX inconsistent credit reports from XXXX, XXXX XXXX, and XXXX showing the inaccurate reporting. Please note that XXXX XXXX was reporting a 30 day late from XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX reports a 30 day late, XX/XX/XXXX a 60 day late, XX/XX/XXXX a 90 day late and XXXX reported a charge off. Now it has been so called XXXX XXXX XXXX XXXX for XX/XX/XXXX and 30 days late from XX/XX/XXXX through XXXX XXXX day late in XXXX of XXXX and charged off in XXXX of XXXX. Throughout the report an X has been placed indicating that the payment status is unknown. Again, this creditor is required by law to disclose 100 % complete and accurate information. If the creditor has admitted that they are reporting unknown information, how can they say that this report has been 100 % verified? Attached is the XXXX report obtained from Annual Credit Report showing the incomplete and inaccurate information.
Consumer complaint received 2024-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (MA)

I entered a agreement with carvana to ship a vehicle from XXXX north Carolina to XXXX ma On Sunday XX/XX/year>. I was emailed the title and vin number and charged a shipping fee of {$1000.00} XXXX for the car. On Tuesday XXXX XXXX i checked on the shipping of the car and saw that they relisted it. 
I called carvana and asked if my car would still be shipped to XXXX and if not they could refund me my money because they did not ship the vehicle like i paid for. The guy told me i was out of luck and that i should read the terms and conditions. 
I can understand if i canceled but they didnt render the service and still wanted to keep my money