davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (NV)

Transworld Collection ( XXXX ) XXXX Credit Bureau Subject : Request Regarding Late Payment Reporting and Account Closure Dear Sir/Madam, I am writing to formally address an urgent matter regarding a account with a balance of {$400.00} and its reporting to XXXX Credit Bureau XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), it is required that all creditors report accurate information regarding consumer accounts. As such, if I have met all necessary obligations and have formally requested the closure of my account, it should not be reported as late. I have fulfilled all requirements per federal law and have actively sought to close this account. If for any reason the account can not be closed as per my request, I assert that it should not reflect on my credit report, as my compliance with regulations should protect me from negative reporting due to circumstances surrounding the accounts closure. I request confirmation that my account will be closed as requested or, alternatively, that you will cease reporting any late payments associated with this account. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

Paid a local individual for car repair services. He provided a few repairs for my wife and my car. Then he asked for {$140.00} to get a part locally for another repair but didn't provide part or install it. He also asked for advances on money for the services to do the repair involving the {$140.00} part. Advanced {$200.00} to provide money for his XXXX XXXX XXXX and {$200.00} for his broken alternator. He then blocked me. Wife contacted him and he was talking to us and then hung up and said he did nothing wrong and wasn't going to deal with us. He never provided repair, kept {$400.00} in service fee advances and {$140.00} for XXXX  XXXX XXXX XXXX XXXX. These were paid by cash app.
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (TN)

Credit Carma pre approved me for a credit card, so I applied. They even said, they would give me {$50.00} if not approved. 
I eas not approved, nor did they send me the {$50.00}. 
My credit suffered also. 
They said, my credit would not be effected. 
A company should not promise this, if they can not deliver a promise. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC (CA)

My repayment was taken twice. My back account was charged twice, each time for the full amount for repayment on the same loan. 
I was to be charged {$300.00} on XX/XX/2024 I paid the loan in full in the morning of that day ; however, later in the day the loan company attempted to charge me again for the full amount, they continued to try until their second charge went through. 
The result was I was charged a total of {$600.00} rather than the {$300.00} I owed. 
I called my bank and they refused to do anything until it posted. 
I contacted the loan company and they refuse to take responsibility. They say they have no record of the second transaction..
Consumer complaint received 2024-10-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO. (AZ)

I am writing to formally lodge a complaint against JPMorgan Chase Bank in connection with the handling of my refinance application. Throughout this process, the bank 's actions have been marked by significant procedural failures, inaccuracies, and unprofessional conduct, which have adversely affected my refinancing experience. The following issues occurred during my dealings with JPMorgan Chase : Failure to Communicate : My calls and emails were consistently ignored, resulting in undue delays and a lack of transparency throughout the refinance process. Additionally this caused us to miss our agreed upon closing date, rescheduled date, and push to the final days of the rate lock to complete closing. 

Inaccurate Loan Disclosures : The loan estimates I received contained incorrect figures and assessments each time disclosures were issued. This repeated inaccuracy impeded my ability to properly assess the loan terms. 

Title Pricing Issues : The bank failed to verify the Title pricing until XXXX week prior to the closing date. After that, a credit of {$500.00} was initially requested to be added to my loan, only to be denied XXXX hours before closing. This left me without adequate time to engage a new title company. 

Delays Related to Relationship Rates : The bank deliberately prolonged the engagement of a banker, seemingly to take advantage of relationship rates, which contributed to the closing being delayed. 

Unprofessional Conduct : Throughout this process, I encountered unprofessional behavior, including a lack of responsiveness and misleading information. 

These failures collectively demonstrate negligence, lack of professionalism, and a disregard for customer welfare. I respectfully request that the Consumer Financial Protection Bureau investigate these actions taken by JPMorgan Chase Bank and take appropriate measures to ensure such misconduct does not continue.
Consumer complaint received 2024-10-30
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: U.S. BANCORP (CA)

Payment History : Payment history for the months of XXXX and XXXX was not reported ( XXXX ) ( XXXX ) & ( XXXX ) XXXX Report Date XXXX XXXX, Confirmation # XXXX page XX/XX/XXXX Show PAYMENT HISTORY : NO DATA AVAILABLE. 
XXXX : XXXX ( Rating X ) NO DATA INFORMATION. XXXX ( Rating X ) NO DATA INFORMATION. 
XXXX XXXX ( ND ) NO DATA INFORMATION. XXXX ( ND ) NO DATA INFORMATION. 
On XXXX, I submitted a written dispute to US Bank Credit Bureau XXXX, attached United Postal Service Receipt that proves that US Bank ( XXXX ) received all the documents. like my bank statements, copies of a portion of my credit report, a copy of my DL, as well all the documents to support this complaint. This department didnt take action to correct this discrepancy in my credit report. This department sent me a letter on XX/XX/XXXX, requesting the same information already sent previously. XXXX is attached. 
XX/XX/XXXX I received a letter form US Bank, case # XXXX. I reached out to # XXXX asking to speak to XXXX, the person indicated in the attached letter, but she never returned my call.
Consumer complaint received 2024-10-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (CA)

On 2020 XX/XX/XXXX my husband pass away I attached to this complaint a copy of his death certificate. 

Right away I make sure I contact Freedom Mortgage to make the assumption of the loan. Since I was always on the title. As XXXX tenants. 

The next step I did was filed an Affidavit of XXXX also made sure I provided you with a copy here. 

I was legally married to XXXX XXXX XXXX, My full name is XXXX XXXX XXXX XXXX, I provided a copy of my marriage certificate to this complaint. 

My nightmare started from there since Freedom Mortgage didn't respect that I was marry to XXXX and made it very hard for me to assumed the loan. 

I felt discriminated and was asked to submit my paper work many times and everytime they would say they would not received it. 

For the pass 4 months I've been blocked from my account. I have been sickout from the website. I been reaching out to Freedom Mortgage about this and they again have no answer for me. 

I've attached the attempts proof of me asking them for documents and not being able to get them documents. 

Since part of the process is to verify my identity. In the pass I was able to log in fine. No problem. 

In retaliation from Freedom Mortgage since I kept calling every month they decided to change with no permission from to not get statements. Which would of been impossible for me to do since I haven't had access to the account for months. Attached is the email they send me after they did that. 

Base on XXXX of XXXX XXXX my rights have been violated, since I have no access nor ability to see what I'm being charge, or what has been has been paid. Fair housing laws as well since I am XXXX this company has treated me very poorly and denied access to my loan.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

I need my last statements from my account but I am continuously being met with a robot that doesn't understand that I do not have a debit card for the account nor do I still remember the account number due to the account being closed, because of this I haven't even been able to request my last statement
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (MO)

Validation Request and Cease and Desist Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Dear Sir or Madam, I am in receipt of your recent communication regarding a debt you allege I owe. Before proceeding, I need to ensure that this claim is directed to the correct individual. Please provide any contract or agreement, signed by me, that demonstrates the existence of this debt with your company or the original creditor. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following information : 1. The full name and address of both the original and current creditor. 2. Verification of the specific amount you claim I owe, including an itemized breakdown of how this amount was calculated. 3. Documentation that demonstrates the existence of a legitimate contract that substantiates the debt amount. 4. Proof of the full chain of assignments, showing how the debt was transferred from the original creditor to the current entity seeking collection. 5. Evidence that the original creditor securitized the debt, if applicable. 6. Documentation showing any assignment of the debt between a secured trust and the original creditor, if such an event occurred. Until you provide proper validation of this debt, I request that you cease and desist from any further attempts to collect or report this debt to any credit reporting agencies. Furthermore, I hereby dispute this debt and any claims associated with it. If you have already reported this matter to any credit bureau, this dispute must be reflected on my credit report. Please also refrain from reviewing or accessing my credit information without permissible purpose. Should you choose to transfer or sell this account to another debt collector, I expect that you will inform them of my dispute and ensure that they are aware of this ongoing issue. I appreciate your prompt attention to this matter and look forward to your timely response. Sincerely, XXXX XXXX
Consumer complaint received 2023-04-14
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 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 XXXXXXXX XXXX XXXX  XXXX 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 2024-10-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Stewart Information Services (CA)

1. On XX/XX/XXXX, the properties next door to my cabin, homes # XXXX & # XXXX XXXX XXXX, XXXX XXXX, California were foreclosed upon by XXXX XXXX. 
2. At that time, XXXX XXXX, the real estate agent hired by XXXX XXXX assumed that my house at # XXXX XXXX XXXX should be included in their foreclosure. She evicted my tenant and refused to consider that I had a different loan on that property, that I was current on that loan and that the lots were different. My tenant was even offered {$5000.00} to vacate the premises immediately, which he did at the end of XXXX. He did not receive the {$5000.00} and was very upset with me. 
3. I appealed to the foreclosure company XXXX XXXX, and they wrongfully reported that my property should be included in the foreclosure. 
4. I had to hire an attorney. I was unable to rent my property because of the eviction and the foreclosure hold on it. I fell behind on payments, insurance, taxes. 
5. My loan was a negative arm loan with XXXX that had been taken over by XXXX  XXXX XXXX. With all the missed payments, it ballooned and eventually added up to over {$130000.00} in additional fees, escrow and penalty costs. 
6. I eventually obtained a settlement with XXXX and the foreclosure company XXXX XXXX. But I didnt know how to get my propertys loan back to where it was before the wrongful foreclosure and that deferred principal has been attached to it ever since I modified the loan with your company in XX/XX/XXXX. 

RESPONSIBILITY OF MY TITLE COMPANY & XXXX ' I had purchased the XXXX  cabin at XXXX XXXXecond XXXX in XXXX XXXX though a construction loan with XXXX XXXX in that town. Once the remodel was done, I refinanced the loan into a regular loan with XXXX. It appears that the title company involved in the refinance was Stewart Title. 

Then came the wrongful foreclosure by XXXX XXXX described above. My Title Company obviously did not protecte the title of my property during the wrongful foreclosure by XXXX XXXX. This started a series of events that have pretty much robbed me of my property. I have just learned this fact although I have been trying to right this wrong for decades. WHY DID STEWART TITLE NOT PROTECT THE TITLE TO MY PROPERTY??
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (IN)

In 2019 Navient is reporting that my account was not in deferment. For the entire year of 2019 I was in some form of forbearance or deferment. The report also shows me being 90,120,150, and 180 days late which does not add up. This is on all three credit bureaus.
Consumer complaint received 2024-11-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/year> @ precisely XXXX I spoke with customer service representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who state that account number ( XXXX {$72.00} ) ( XXXX {$28.00} ) had been transferred to Resurgent Capital Service XXXX XXXX XXXX XXXX XXXX XXXX SC. XXXX. However, this account is reflected to be reported by XXXX XXXX even though they are no longer the original debt holder and the account has been charged off and written off. This can not be so, I have reported this issue with both XXXX and XXXX over seven different times yet they have ignored my request as well as a DEBT DISCLOSURE STATEMENT, sent on XX/XX/year> via USPS certified mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in which they failed to respond in the 10 days required on the affidavit or provide the requested information. 

On XX/XX/year> at precisely XXXXXXXX XXXX I spoke with XXXX at Resurgent Capital Services, who informed me that my balance for account account ending in XXXX was in fact {$72.00} and balance for account ending in XXXX is XXXX, making the information reported to the bureaus inaccuarate, by law all information must be reported correctly and accurately. Also both accounts numbers are reported as XXXX for both accounts, this can not be so this information is incorrect and invalid. 

By law the FCRA requires that industry to report consumer credit information in a fair, timely and accurate manner. The Fair Credit Reporting Act Title VI clearly states that " Companies that provide information to consumer reporting agencies also have specific legal obligations to record with accuracy and to investigate any disputed information. Which both XXXX and XXXX have failed to do. 

I demand that these accounts be removed from my credit report due to the inaccuracy of the debt reporting agency, incorrect balance, and incorrect account number listed. This can not be so. This company is causing me great damages and hardships in my life and will result in a law suit
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

I opened a Citi Bank personal account in XX/XX/year> and have faced numerous frustrating interactions with customer service. 

In XXXX, my account was locked due to a direct deposit that couldnt be verified, despite having over {$7000.00}. The funds were mistakenly deposited in my fathers name. After confirming this with the issuer, I requested Citi Bank to return the funds and reissue the deposit in my name. However, they refused, claiming that the processing company, XXXX, needed to handle the return. XXXX indicated they couldn't initiate it because Citi had already accepted the funds. 

In XXXX, I was informed that my account would be closed, and Id receive a check within XXXX days. This never happened. Instead, I was told that my father needed to come into a branch to verify that the funds belong to me, despite him being XXXX  in a XXXX home and unable to visit. 

I have visited the branch multiple times and communicated my situation to both branch employees and the XXXX department, but to no avail. The funds are revenue from our joint XXXX XXXX  business, and they should have been sent in my name from the start. 

I urgently request that Citi Bank either return the funds to the direct depositor or issue me a check for the remaining balance. I appreciate your prompt attention to this matter Transactions- ( I have proof showing these belong to me, but have been disregarded by Citi Bank. These are all Deposits. These are the dates the XXXX XXXX was initiated. 

XX/XX/XXXX - {$34.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$600.00} XX/XX/XXXX - {$1300.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$760.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$840.00} XX/XX/XXXX - {$470.00} XX/XX/XXXX - {$860.00} XX/XX/XXXX- {$99.00} XX/XX/XXXX - {$230.00} XX/XX/XXXX- {$1000.00} Total {$7900.00}
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX XX/XX/year> Portfolio Recovery Associates To whom this may concern, I have recently pulled my credit report and noticed that there is a collection from your agency. I have never been notified of this collection action or that I owed debt. This letter is to inform you that I have a right to request validation of this debt and your ability to collect this money from me without having the original written agreement with my signature provided. You have only provided statements nothing further. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please attach the following documents : - Agreement that you have authority to collect on this alleged debt. 
- Agreement that bears signature of this alleged debtor with promises to pay the original creditor. 
- complete payment history on this account, to prove the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-24
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (PA)

On today XXXX, XXXX  I received a call from XXXX XXXX from XXXX XXXX XXXX and she informed me to contact XXXX XXXX in the Bankruptcy Preservation Department @ XXXX XXXX XXXX Extension XXXX XXXX XXXX. However when I called she didnt pick up and I was transferred to another Customer Service Representative to whom just took this matter as a joke, didnt bother to care that Ive been approved by a conditional grant offer for {$50000.00} to help with the Mortgage Debt and that Im currently paying close to {$2000.00} a month with the back mortgage payments to the Trustee XXXX XXXX well as over the minimum amount of the {$510.00} for the back mortgage to which is close to about {$20000.00} because I had put down a down payment of {$11000.00} Dollars. However the ignorant customer service representative actually tried to get me to do another bogus mortgage assistance application with Wells Fargo after already knowing the fact that Ive already been approved for a conditional mortgage assistance from the state of Pennsylvania. These are constant XXXX XXXX XXXX XXXX  with my life and property and would like for these games to stop. And if they dont want to cooperate I will most definitely sue them in court and they wont get another dime from me. Because Im completely fed up with these games. And please make note of the attached documents