davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BMO Bank, N.A. (IN)

The bank defrauded him because he made XXXX XXXXXXXX XXXX and they don't whant to give my money back. The Banck is BMO in XXXX Indiana I was given this page to help me.
Consumer complaint received 2024-10-20
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: Ability Recovery Services, LLC (FL)

I Called The company to tell them i have no knowledge on this account in multi occasions they refused even for the charge that wasn't verify. they violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report
Consumer complaint received 2024-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Northstar Location Services, LLC (CO)

On XX/XX/year>, I requested from Nortstar location Services LLC.proof of the Debt by mail with a certified return receipt. My request was for proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.
Consumer complaint received 2024-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (CA)

I had direct deposit into this account for over XXXX years I deposited XXXX good check and they both were cleared after XXXX days and nite sitting in the account all of a sudden they froze my access to my account for about XXXX years thin they went into my account deducted XXXX dollar from it when there was a total of XXXX over the years while interest grew XXXX turned into XXXX I called to confront who ever is taking funds from my account witch is a violation of there contract. I did not authorize anyone to touch funds from my account that is foul in so many different ways I need my XXXX now I'm about to seek legal help from an attorney I'll also include consumer finance wasn't much help because the bank just laughed at their request like they been doing me for years
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridge IT, Inc. (NY)

Date opened XX/XX/XXXX XXXX {$600.00} I have contacted them about this Report in XX/XX/XXXX, by XX/XX/XXXX this matter is still unresolved. Attached is the letter that was sent.
Consumer complaint received 2023-03-13
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. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX XXXX Account number : XXXX XXXX XXXX  XXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX XXXX Account number : XXXX* US DEP ED Account number : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CMG MORTGAGE, INC (VT)

I have XXXX asked for their bi-weekly payment form to be mailed to me - b/c it is the only way they will set up auto-bi-weekly payments. They have not mailed it- they require a physical signature, and I don't have a printer, so it needs to be mailed. I have turned off paperless and they still refuse to MAIL the form. Since they refused, I started sending bi-weekly payments. Next payment not due til XXXX. I sent XXXX XXXX weeks ago, and was going to send it again this week. They returned the payment. I asked why they were refusing my payment. They said it's their " policy '' to only take " full payment '' - I asked for the policy. They refused. I asked for the contract or legal basis for that decision- they refused to provide it.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TrueAccord Corp. (PA)

I, XXXX XXXX, have reviewed my consumer reports and noticed theres inaccurate information on my credit report.. 

( Original Creditor : XXXX XXXX ) ( Collection Agency : TrueAccord Corp. ) Account # XXXX Consumer reporting agencies have assumed a role and responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. 

I have contacted ( Original Creditor : XXXX XXXX ) ( Collection Agency : TrueAccord Corp. ) Account # XXXX and asked for them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and have requested the original application bearing my signature. Such proof clearly hasnt been provided. This is a violation of the FCRA. This disputed item should not appear on my consumer report. 

( I have provided a preponderance of evidence that the account does not belong to me and is a direct result of identity theft. )
Consumer complaint received 2024-10-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Village Capital & Investment LLC (MD)

My previous mortgage company has failed to provide a refund for the escrow amount after refinancing. 

There two significant issues.

1. The mortgage company failed to provide a payoff statement to the new mortgage company, delaying the loan closing process.

2. The mortgage company has NOT provided the escrow balance and refund. It has been over 30 days since the loan was closed.

I am attaching the most recent mortgage statement as a supporting document.

The name of the mortgage company is as follows. 

Village Capital & Investments LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Consumer complaint received 2023-11-21
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. (FL)

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (IL)

I Signed up for a credit monitoring service ( XXXX ) and noticed accounts reporting to my credit that didn't belong to me. I thought maybe it was just an error with XXXX credit bureau but once I checked both XXXX and XXXX the same accounts were reporting with different amounts and dates. These accounts are also reporting through a third party collection agency. 
The collection agencies are listed below : XXXX XXXX  Services {$XXXX} Opened XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent accounts are : XXXX XXXX opened XXXX XXXX, XXXX balance {$XXXX} XXXX Opened XXXX XXXX XXXX XXXX XXXX {$XXXX}
Consumer complaint received 2024-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NC)

I have tried 3 separate times to make payments to Aidvantage for my loan. All three times payment was " processed '' and days later appeared as " reversed ''. When contacting their costumer service they keep stating that my account number is incorrect. 

I have verified with the bank that the account number is correct and that there have been no requests for payments on behalf of Aidvantage. Interest rates have been collecting on the account with no response from the company on how to solve this issue other than saying " incorrect account number ''. 

I then contacted the Federal Student Aid Information Center, who replied with the same letter that Aidvantage had sent earlier.
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Dear cfpb, I hope this message finds you well. I am writing to express my deep concern and frustration regarding a recent transaction that took place on my account without my knowledge or consent. I discovered a {$100.00} transaction from my bank account linked to Venmo, which I had not authorized. Upon reviewing my Venmo account, I realized that this transaction occurred while my phone was left unattended. 

I immediately contacted Venmos dispute department and provided details regarding the unauthorized nature of this transaction. Unfortunately, my claim was denied without explanation, and I was not given the opportunity to fully explain the situation. I also pointed out that the recipient of the funds had purchase protection turned on, which should have triggered a more thorough review, yet my concerns were not addressed. 

I am a recent XXXX XXXX XXXX with significant student loans, and this unauthorized transaction has put me in a difficult financial situation. As a result of studying at public places such as libraries and cafes, I believe someone may have taken temporary control of my phone and processed this transaction without my knowledge. 

What makes this situation even more distressing is that I was advised to contact the recipient directly, despite having no prior knowledge of this person and feeling unsafe reaching out. Given the circumstances, I do not feel comfortable engaging with someone I believe may have acted dishonestly. 

I kindly help my case and provide any assistance in recovering the funds. I have been a responsible user of your platform, and I hope you can understand the severity of this situation. Your attention and prompt action on this matter would be greatly appreciated. 

Thank you for your time and understanding. I look forward to your response.
Consumer complaint received 2024-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (IN)

Mr. Cooper has decided to offer a customer service number that does not allow the option to speak with a live person. Due to my property taxes and homeowners insurance being in escrow, I legally should be able to review this information with a live person. The AI only gives me a balance due or paid and does not have the ability to handle mistakes or make corrections. This, in turn, becomes not only a customer service issue, but is a legal issue as well.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

My bank, Wells Fargo has levied XXXX dollars in overdraft fees over the last 4 months. My account has never overdrawn for more than a day, and each has been caused by a banking related delay, not a lack of cashflow. 

They refuse to consider reversing these fees which amount to unreasonably inflated interest charges.
Consumer complaint received 2024-10-17
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (IA)

Comenity Bank provided me a credit card through a purchase at Jared. I was not told at the store my loan is a promotional plan. I enabled automatic payments and thought it was being paid accurately. I was then hit with deferred interest payment and was never notified of this. I have opened other cases and they keep on saying that it is my fault for not knowing I was in a promotional plan. There was never a warning sent to my email ( after they aggressively asked me to go paperless ) and the warning on my statements are in a small box at the bottom. They are deliberately trying to do the bare minimums in notification so they can prey on customers with deferred interest. If they truly cared for customers they would actually notify them. I never even got a notification AFTER they added the interest.
Consumer complaint received 2023-11-21
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. (TX)

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Blue Front Financial, LLC d/b/a Ladder Loans (CO)

This company LADDER LOANS is sending me unwanted loan offers even after I have REPEATED OPTED OUT of their loan offers both online and via certified mail. 

I consider their continued mail to my residence to be illegal and in violation of the CFPB regulations regarding unwanted loan offers. 

I have permanently opted out of ALL LOAN OFFERS OF ANY KIND, via OPTOUTPRESCREEN.com, and notified all credit agencies to stop sending my information to loan companies, but this company just won't take no for an answer. 

Please help me to stop the incessant SCAM LOAN MAIL that this SCAM FINANCIAL INSTITUTION is sending to my house.
Consumer complaint received 2024-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North American Credit Services (MS)

North American Credit Services mailed a letter about a debt for {$940.00} from a XXXX XXXX XXXX On XX/XX/year>, I asked for debt validation. I also asked for a purchase agreement between XXXX and the original creditor to ensure this debt was being collected legally, as in the debt was indeed purchased from the original creditor. They provided a validation letter missing some validation information I had asked for and the purchase agreement. They also " corrected '' the amount owed to {$470.00} I inquired again on XX/XX/XXXX and this time was met with no response. I also asked about why they were trying to overcollect {$500.00} in unowed debt. On XX/XX/year> I asked for no further contact in any method of contact. On XX/XX/year> I received another collection letter. I also do not owe this debt as it is a paid off charge at my doctor 's office.
Consumer complaint received 2024-10-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Remitly, Inc. (KY)

In reference to CFPB complaint ID XXXX, I called Remitly 's customer support phone as indicated in Remitly 's Response on XX/XX/year> regarding resolution proposed by Remitly via The CFPB. 

Remitly customer support seem to have XXXX idea about this reponse and suggested I emailed XXXX. Who also had XXXX idea about this matter and in turn referred me back to customer support via chat or phone again to repeat the whole cycle over again.

Which is strange because whom ever handled this case did not put a note on my account to make it easier for Remitly customer support to understand what was going on.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (MD)

Today XX/XX/year>2024 I am aprox. 3 almost r hours away from home. I left my cash app card home in a rush to get here due to a family emergency. I tried at XXXX and XXXX. to transfer money to my fianc cash app account. He opened this account approximately a month ago incase we ever needed to give one another money and he was away working. Cash App denied both transactions. So then I proceeded to transfer it to my LINKED bank account and recieved a message that my account was locked contact support to access my funds. So I did they told me I had to wait XXXX hours to get my money. I informed them I was trying to transfer money to my fiance because my car payment had to be sent in electronically at a grocery store by XXXX. My car has been shut off already and the car company said they are going to track my car thru GPS and repo it tonight. They told me o had to wait for an email in XXXX hours. This is my money and I am basically stranded with my fiance and XXXX kids
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (PA)

I am filing a complaint about how TD Bank handled my inquiries about the {$600.00} new account opening bonus. 
I received multiple mailers from TD Bank in XXXX stating that New customers can earn up to {$600.00} with qualifying activities. After going to the XXXX XXXX, PA branch with the mailer on XX/XX/XXXX. XXXX XXXX, the store manager, assisted me to open a new checking account, which I had {$2500.00} direct deposit within 30 days, and a new savings account with {$10000.00}. She directly told me that I should get {$600.00} bonus on or before 180 days of account opening. I called XXXX XXXX on XX/XX/XXXX to check the status of my opening bonus. With full information now, she told me that everything is in order, and I shall receive my bonus in two to three weeks. After the given time period XX/XX/XXXX. She ensured me that everything qualifies and I shall receive my bonus soon, but nothings happened since. Then I continued to call her since XX/XX/XXXX. But I failed to reach her. Then I emailed her on XX/XX/XXXX to check the status. She responded that she will let me know what happened. Then I emailed her and called her on XX/XX/XXXX to check the progress. Finally, she sent me an email on XX/XX/XXXX stating that Im not qualified for the promotion since I received a {$300.00} bonus on XX/XX/XXXX after multiple correspondences that I would be qualified. 
I am extremely disappointed with how TD Bank handled my request. First, why didnt XXXX XXXX tell me on XX/XX/XXXX or even in XXXX that I was not qualified for the promotion? Second, why was I told that I shall receive my bonus on XX/XX/XXXX? Third, why didnt XXXX XXXX follow up with promotional department in last 6 weeks? 
To make things worse, I continue to receive similar mailer stating I will receive bonus when I open new checking and savings account with TD Bank.
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (NC)

I am writing to file a formal complaint and request your assistance regarding a debt that has been inaccurately reported by XXXX XXXX XXXX XXXX, account number XXXX, across all three major credit bureaus : Equifax, XXXX, and XXXX. 

On a prior occasion, I requested a contract assignment and validation of this debt from the credit collection agency ; however, despite more than 30 days having passed, I have not received any of the requested documentation. The failure to provide this information within the legally required timeframe is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, I have identified significant discrepancies in the way this repossession is being reported by the credit bureaus : 1. One credit bureau is displaying no payment history for this account.

2. The other two credit bureaus are inaccurately reporting multiple months of repossessions, when in reality, a repossession only takes place once.

This misrepresentation is not only damaging but also extends the statute of limitations, which is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The FCRA mandates that credit reporting agencies ensure the accuracy of the information they report.

Due to these inaccuracies and the failure to validate the debt, I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in having the incorrect repossession entries removed entirely from my credit reports.

I respectfully ask for your prompt attention to this matter. I am requesting that you ensure that the credit bureaus correct this misrepresentation and provide an updated and accurate copy of my credit report.

Thank you for your assistance. 

Sincerely, XXXX XXXX