davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY (FL)

We are in contract with the XXXX XXXX XXXX for XXXX XXXX XXXX using XXXX funds and a lien against our home for approximately {$50000.00} to complete these repairs. However, less than 50 % of the repairs had been completed when our home was destroyed by hurricane XXXX on XX/XX/2024. Any of the projects that were completed or now destroyed, and the XXXX XXXX XXXXXXXX has not offered any resolution or even a response to multiple emails. We are victims of a natural disaster. Federal provides the use of XXXX funds to be used to, " help low-income individuals ''. However, due to the changed circumstances-this loan/lien for unfinished work does not help us at all. In fact, it will cause undue hardship in securing financing, refinancing options to fix our home in the near future. Our loan should be canceled due to the circumstances and the fact that the work/contract is incomplete, not inspected and can not be completed or inspected. We are victims of disaster with FHA mortgage. 

*I have proof of emails, contracts, photos and videos.
Consumer complaint received 2024-09-04
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I was given a {$100.00} American Express gift card by a family friend. I have been trying to use the card online and it is not working. 

I searched online and apparently this is a common thing. I then noticed that the gift card does not have the 4 digit CVV code on the front of the card that American Express cards have. 

I am not able to use the card online because there is no 4 digit CVV code on the card. Not sure if this was a printing error or what. I have attached photos of the front and back of the card. 

I called the XXXX number located on the back of the card on Wednesday, XX/XX/year>, but they were not much help. They did confirm the balance is still on the card. However, they want me to email and provide certain documents such as proof of residency/mailing address which I am not comfortable doing because I have never heard of the company/email I was told to contact. The email I was given is XXXX. From what I can tell the company is XXXX XXXX. Not sure why I am being directed there if this is an American Express card.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (SC)

Dear WELLS FARGO and its Representatives, I have been searching high and low for some vital information. I have not been able to get this specific information from any customer service representative or through any online search through the Securities and Exchange Commission. I need the most correct, up to date information for the following as soon as possible. Please give me the correct contact information including the contact Name and Title of the person or Senior Officer, their correct phone number, mailing address, e-mail address, and fax number for this or these representative ( s ) from both departments as follows : Full contact information for your company 's Special and Restrictive Deposit Department AND Full contact information for your company 's Indentured Trustee. 


Please provide this information as quickly and accurately as possible.
Consumer complaint received 2024-11-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (AL)

XX/XX/XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXXXXXX XXXX XXXX VALIDATION AND CEASE AND DESIST AND DO NOT CONTACT MY CREDIT Re : Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX Dear Navy Federal Credit Uniom I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided.

None of the above were provided to me.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount.

Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report. 
Thank you for your immediate cooperation. 

XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

I was rebilled the amount of {$XXXX} following a fraud case where my card was stolen and used by somebody else. I had called on XX/XX/year> around XXXX to reopen the fraud investigation so that I can recover my funds/credit. I genuinely did not make any of those charges that were rebilled and the chase representative was stating that because the physical card was used, it was rebilled. I did not have the physical card the entire time because it was lost, stolen, and used by someone else. Thank you for your time and consideration.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

FRB/ Chase now who responded and admitted to removal money {$140.00}, XXXX from # XXXX my account with no authorization or permission Stealing Now Chase claims it was for taxes. I submitted documentation XXXX month PRIOR to withdraw and prior to any FRB payment FRB supposedly doubled my payments but according to NYDept of Finance overpayments are returned and It went back to FRB FRB now Chase to date did not return my money
Consumer complaint received 2024-08-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

This account was opened fraudulent online, without my consent and knowledge. This debt account doesnt belong to me. Ive disputed this debt collection multiple times with the credit bureaus. And asked the bureaus to investigate this debt collection and to ask the creditor to provide proof of evidence proving this account belongs to me. I want the creditor to provide me with a copy of my CA/ID or Signatures etc and they have not provided me with anything and the bureaus just continue reporting false and incorrect information on my credit report and has been affecting my score and history. But recently I received a notification on my email with XXXX XXXX stating that XXXX has removed this debt from my credit report and will no longer affect me. But I dont understand why does it still show on other reports. I want for this creditor to delete and stop reporting this fraudulent information that is only damaging my credit and score and is preventing me from getting credit.
Consumer complaint received 2024-09-04
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Newport Intermediate Inc. (CA)

Obtained a prepaid debit card through a cashback website ( XXXX ). They issued a card through XXXX XXXX XXXX  When requested, I received this email below. Unfortunately, I didn't realize the expiration date was 6 months from the issue date. I contacted them and said per terms, the funds are forfeited after 6 months. 

Hello XXXX, Congratulations! Your USD XXXX XXXX XXXX card is just a click away. 

Simply click the link below to access a virtual card and use it to shop online immediately. 

Access Your Card Youve exchanged your payable cashback into a prepaid card using a service that we provide in partnership with Prepaid Digital Solutions. The link will take you to their website, where you can access and manage your cards. 


Save this email! 

Click the button again to view your card balance, access your transaction history or return to your card details. 


If the link does not redirect you, please follow these steps : 1. Visit XXXX 2. Enter your prepaid digital token : XXXX For assistance, click the contact us button on our homepage Use your card anywhere XXXX XXXX  cards are accepted around the world. Card is issued by XXXX XXXX XXXX, Member FDIC, pursuant to a license from XXXX XXXX XXXX. Please note, access to your payment expires on XXXX.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FlexShopper, Inc (GA)

This company has added fraudulent information to my credit report that has had a major negative impact to my credit. Ive made several attempts to get proof to verify what this is supposedly for. Ive never received any type of contact notifying me of what this debt was supposedly for.

Im demanding proof this debt is mine and an itemized listing of what this was supposedly for.

Legal action will be taken if this demand under the FRCA is not satisfied within thirty days. Additional certified demands will be sent to the attention of XXXX XXXX at XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (IL)

On XX/XX/XXXX at XXXX I called and asked the loan company XXXX XXXX servicing what I could do to lower my mortgage payments since it went up significantly because of my taxes. They told me that the only thing I could do was pay off my entire escrow shortage at once. 
I asked why the escrow got analyzed early in XXXX, but they could not give me an answer. 

On XX/XX/XXXX at XXXX I called the loan company again and spoke with another representative. This representative told me that I could request my escrow shortage to be paid over 24 months instead of 12 months. 
I asked why the escrow got analyzed early in XXXX, but they could not give me an answer. 

On XX/XX/XXXX at XXXX I called the loan company to request the escrow shortage to be paid over 24 months. I asked the new representative what was the maximum months I could request and she told me 48 months. Therefore, I requested 48 months. I should have been told that by the previous phone representatives on XX/XX/XXXX. 

I checked my payments online to see that my mortgage payment has decreased, but not significantly. Therefore, I called them to see the request for 48 months was applied. They told me that I was denied the 48 months and granted the 24 months. 
I asked them why I was not granted the 48 months, but was not give a straight answer. 
I asked them to give me a documented answer on why I was denied, but I was not given an answer. 
They said it could of been the loan company " Loancare '' that they service, as to why I was denied. I asked for Loancare 's number and they said that they do not have it. 

They also said it was possible because I have a FHA loan, but they was not sure so, they gave me the number to FHA HUD for more information ( XXXX ), but they could not provide me with an escrow related answer. 

In short, I do not know why my escrow was analyzed early or why I was denied the 48 month shortage time to cover and I was not able to get any solid answers from them. 

Thank you.
Consumer complaint received 2024-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I am writing to express my concern regarding an erroneous collection account that recently appeared on my credit report. The account, which is for a XXXX account, was opened in XX/XX/year>. I have disputed this account on all three of my credit reports, and two of the three bureaus have removed it. However, XXXX has not yet removed the account, despite my repeated attempts to dispute it. 

I have filed XXXX disputes with XXXX, the first on XXXX, the second on XXXX, and the third on XXXX. In each dispute, I have asserted that I have no knowledge of this account and that it is not my debt. I have also requested a copy of my driver 's license to be sent to me as proof that I am not the owner of the account. 

To date, I have not received any response from XXXX regarding my disputes. I have also never received any paperwork in the mail from Jefferson Capital Systems, the collection agency that is reporting the account. 

I have never had a Jefferson Capital Systems account or a XXXX account. This account is not reflected on any of my bank statements or on any of my previous credit reports. 

I am requesting that XXXX immediately remove this erroneous account from my credit report. I am also requesting that XXXX provide me with a copy of my driver 's license as proof that I am not the owner of the account. 

Thank you for your attention to this matter.
Consumer complaint received 2024-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forest Recovery Services LLC (IL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (AL)

Take the late payment information off of my account because this is incorrect. I spoke with a representative and manager from Nelnet and they told me to file this complaint because I am not suppose to have late payment remark on my loans when by law they can not do that anymore and Ive been in school for over XXXX  years as well. I am not required to start paying back loans as of yet. Some credit reporting companies are showing late and some isnt showing late payments! I am currently enrolled in school now and have attached my schedule. All of my loans have been consolidated. Please XXXX  deletion off my credit or at least correct my payment information to never late!
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (HI)

Since changing my phone number in XXXX I have been unable to access my online accounts. I have tried several times and invested considerable time in working with Chase to resolve this. It was a waste of time as I am ( after waiting 15 days for verification to take effect ) still unable to access my accounts online. I called Chase at XXXX and gave Reference case number XXXX ( from past complaint ) and after waiting a long time for someone to help me I gave up.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: M&T BANK CORPORATION (IL)

I hope you are doing well. I am writing to formally dispute the late payment on my mortgage M & T BANK loan account XXXX dated XX/XX/year>. I was recently notified that my mortgage payment for XXXX was marked as late, which has resulted in late fees and a potential negative impact on my credit report. 

The payment in question, which was due on XX/XX/year>, was not processed due to suspicious activity involving my bank account debit card. On XX/XX/year>, I became aware of unauthorized debit card transactions that impacted the funds available in my account, causing my scheduled mortgage payment to fail. As soon as I noticed the suspicious activity, I took immediate action by contacting my bank to report the unauthorized transactions and initiate a dispute process regarding my debit card. Unfortunately, this issue led to insufficient funds for the mortgage payment withdrawal. 

I have since resolved the issue with my bank, and the necessary funds have been made available to cover the payment. I kindly request that the late fee be waived, and the late payment mark be removed from my credit record. I understand the importance of timely payments, and I have a history of being a responsible and reliable customer, as reflected in my previous on-time payments. 

Attached to this letter, you will find documentation from my bank verifying the unauthorized transactions and the steps taken to resolve this matter. I appreciate your understanding and cooperation in rectifying this situation. Please let me know if further information or documentation is required to support my dispute. 

Thank you for your prompt attention to this matter. I look forward to your favorable response and the removal of any penalties associated with this incident.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

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

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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

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


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

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


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


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-13
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: Experian Information Solutions Inc. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.