davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I was scheduled to receive my closing disclosure on XX/XX/XXXX in order to support closing of my loan on XX/XX/XXXX for the purchase of a home. Subsequently I did not receive my closing disclosure until XX/XX/XXXX which I received and signed. At this point, the lender stated I could not close until XX/XX/XXXX. The lender stated this was a federal requirement. This required me to concessions from the seller of the property to extend the closing date to the XX/XX/XXXX, which I was able to accomplish. Then on XX/XX/XXXX, I was informed by the lender Pennymac that in order to close my loan I would need to increase my downpayment by 5 % or increase my interest rate to 7.25 % from 6.95 % in order to complete the transaction.
Consumer complaint received 2023-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

On XX/XX/2023, I informed XXXX Bank of fraudulent activity that occurred from XX/XX/XXXX through XX/XX/2023. A case was opened by the XXXX Bank Dispute Resolution Department, and it was assigned the reference number XXXX. This case pertained to unauthorized XXXX transactions totaling {$3900.00} that were posted to my account ending in XXXX. 

In a letter dated XX/XX/2023, I received notification from the Dispute Resolution Department stating, " we attempted to recover the funds through XXXX ; however, unfortunately, our attempts were unsuccessful. Therefore, the dispute claim was denied, and temporary credits were reversed on XX/XX/2023. '' The Electronic Fund Transfer Act Regulation E ( E CVFT 205.6 ), which clearly states that for unauthorized transfers not involving the loss or theft of an access device, if notice to the financial institution is provided within 60 calendar days after the transmittal of the periodic statement on which the unauthorized transfer first appears, the maximum liability to the consumer is 'No Liability. ' Given that XXXX and Regulation XXXX are applicable to XXXX payments like XXXX, I am formally requesting that XXXX Bank refund my account in the amount of {$3900.00}, as per the regulations outlined.
Consumer complaint received 2023-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My Business XXXX XXXX XXXX account mailed a check for {$5500.00} to U.S. Treasury. The check was deposited into a Bank of America account. 
I filled a claim with XXXX on XX/XX/2023, XXXX submitted claim for fund reimbursement. To date Bank of America has not responded to XXXX request of claim.I have sent 4 emails directly to Bank of America fraud claims with no response. 

The check for {$5500.00} was made out to US Treasury, The check was deposited into a Bank of America account, which is clearly not the US Treasury. It has been over 90 days now. XXXX claims that BOA is responsible for the funds. 

My claim number is XXXX
Consumer complaint received 2023-09-16
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. (NY)

Hello, I am writing this complaint in regards to LVNV funding LLC. This complaint is in regards to fraudulent charges, and defamation of my character. I have two accounts that is currently tarnishing my reputation. One in the total amount of {$360.00} for XXXX  XXXX XXXX, and {$270.00} for XXXX  XXXX. This alleged debt has yet to be validated. Please keep in mind the difference between validate and verify. I received a copy of statements in attempt to validate debt. As defined a statement is an alleged debt, and statements along with a contract is also defined as hearsay. I already have two reports of this account tarnishing my consumer report. 

LVNV has also obtained my information illegally, which is an infringement upon a consumers privacy. According to 15 USC 1692c ( b ) 3rd parties do not have consent to communicate with consumer. There is also no law that states consumer owes debt. So called debts are obligations of the corporation that is the United States. This is stated in 15 USC 1601. Also Keep in mind I did not receive any IRS form 1099-c cancellation of debt/ reporting collections/ late payments/ charge offs. Which is also Tax fraud from LVNV. Transactions reporting as late/ collection/ charge-off/ and any other derogatory information is also a violation. I demand that both accounts deleted from my consumer reports effective immediately. Please
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (FL)

I bought an XXXX from Apple and was told it was an interest free purchase and they charged me interest and have from the first month I was approved for interest free Also I have a Goldman Sachs Mastercard separate from Apple even though Apple uses GS for their purchases and I feel it has compromised my credit standing and terms
Consumer complaint received 2023-09-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (CT)

I called Affirm customer care 3 weeks ago regarding my account payments after experiencing weeks of email and phone call harassment where Affirm and it's hired local debt collector was threatening to report my payments history to the credit reporting agencies. I received constant phones calls and emails at all hours during my work hours, evening and sleep causing me additional emotional distress and mental anguish. I am XXXX  and a XXXX veteran and communicated financial hardship to Affirm as my vehicle just got totaled and I was waiting on my settlement check from the insurance. I was told by a rep that my all XXXX of my Affirm loans would be placed in deferment and I would be okay. On XX/XX/15 I logged onto my credit reports and saw that Affirm has reported me as 30 days delinquent on three loan accounts to the credit reporting agencies severely damaging my credit score and reputation by XXXX points. I am not unable to get a car loan to get another vehicle which is adding on to my growing emotional distress. I need a car to get to call my medical appointments. I called Affirm on XX/XX/15 and spoke to a supervisor named XXXX who stated the previous rep had misinformed me on their reporting and financial hardship policy and that Affirm 's aggressive debt collection tactics and threats to report me to credit reporting agencies were legal and " what has to happen. '' XXXX also stated Affirm was unable to remove the accounts from my consumer report even though it was Affirm that followed through on their threat and reported the accounts to the credit reporting agencies. XXXX refused to provide me with his Supervisor or a legal/ consumer compliance advocate contact information and stated there was nothing he could do beyond deterring XXXX affirm accounts versus the XXXX account deferral I was told I would have prior to being reported. Affirm 's abusive debt collection actions have caused several direct violations of the FDCPA and Affirm should be held accountable.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc. (IL)

I paid off my loan. In full. Received confirmation from the company that I paid off the loan, in full. 
They did not report the payment to the credit bureau. I filed a dispute with XXXX. 
After the dispute was " resolved ''. They were still reporting a balance that had not been paid on the loan. So the balance is still on my credit report. 

If I take out a loan, that loan shows up on my credit report in XXXX hours. 
If I pay the loan off, it takes MONTHS to be reported to the credit bureaus. 

This is an abuse of the credit system and an imbalance towards consumers. All financial institutions that report to credit bureaus should be required to report payments just as fast as they report credit usage.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (SC)

VALIDATION AND CEASE AND DESIST Collection agency name : NCB Management Services Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Dear NCB Management Services I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (CA)

This is to inform the CFPB. That for the past six months. I have been trying to renew credit with XXXXXXXX XXXX. Unfortunately, there is a freeze on my consumer credit report. With a company by the name of factor Trust which Is owned by XXXX XXXX. On several occasions for the past six months, I've been trying to get their attention, on this freeze. my XXXX freeze is lifted But XXXX XXXX does not want to approve My application Because of that freeze. I have been communicating with, XXXX and factor Trust, to lift the freeze on my consumer credit report but They been giving me a hard time on freezing my personal information this is a strategy for consumers not to get approve Between XXXX and factor trust and XXXX is denying credit to the consumer. Factor trust is demanding my personal information when I have mentioned that all my information is with XXXX since XXXX is owned by factor trust it should not be hard to get my personal information. my understanding is that XXXX  does not want to approve me. All because of my credit history This is called discrimination. Which is a violation. I, the consumer and natural person, was denied credit by XXXX  when I applied for a credit card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by XXXX XXXX and Factor trust. due to the response, I received. XXXX XXXXXXXX. And factor trust. is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX.
Consumer complaint received 2023-09-17
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Debois, Inc. (OH)

The vehicle had been disabled and was parked at XXXX XXXX with security permision and fiance ' is employed at same hospital. XXXX XXXX Police contacted the lender and not the title holder, which breakes the chain of custody. On the very next day i contacted XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX. I claimed the car as the title holder and made arrangements to pick up the vehicle but it was XXXX XXXX weekend. XXXX XXXX Called the XXXX again, the lien holder DBS Finanial at XXXX XXXX # XXXX XXXX, Ohio XXXX XXXX. I was current on my payments so i was charged for the tow = {$600.00}. I modified the loan to take the next 2 payments on the end of the loan which would have the next payment due XX/XX/2023. 
The account reflects a different address. There is to be a notice of auction sent with 10 days for the debtor to respond, the car was auctioned before. 
Now the lender has a court order claiming i surrendered the vehicle.
Consumer complaint received 2023-10-18
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (TX)

My homeowners insurance was renewed by my providers ( XXXX XXXX ) on XXXX of this year. The bill was sent to M & T Bank but it was sent to the address and the name of the previous servicer. The previous servicer needed to forward the correspondence to the new servicer and neglected to do so. I received a notice from my insurance company that the insurance was being cancelled due to non-payment. I advised that this should be payed via my escrow. I called in XXXX  M & T Bank to find out why they had not paid the insurance and they advised that they had not received the bill. At the time the insurance company advised that they needed payment in a certain number of days for the insurance to not be canceled. I got the insurance company and the mortgage company on the phone so they could exchange information and so that the mortgage company could make the payment expeditiously. I was advised by the representative at the mortgage company that they had all they needed in order to make the payment and that the payment would be expedited. I went about my business thinking that my insurance had been paid. Over the weekend I go to check my mortgage statement and see that a XXXX XXXX bill is now on paid from my escrow account for XXXX XXXX XXXX  ( {$1000.00} ) dollars more than what I was expecting to pay. As I start to do research of why and reach out to my Homeowner insurance I find out that the mortgage payment sent the payment late and my homeowners insurance was cancelled. Now I have a cancelled homeowners insurance due to the mortgage companies inability to perform their servicer functions, I have a new force-placed hazard insurance from my mortgage company that is XXXX XXXX XXXX  more than what I'm supposed to be paying and I'm left holding the bag. This is extremely frustrating when my mortgage company is expected to act upon the best interest of its clients and it doesn't seem like they are acting in this capacity at this time for me as their client.
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

Amex Platinum : Please see the attached screenshots of my chat with representatives at American Express. I asked if I could download all of it, but was told there was no way they were able to do so. 

I have had horrific issues with both of my American Express accounts. 

Regarding my Amex Platinum : The annual charge for {$690.00} appeared on my statement and I was having a difficult time financially. I reached out to them to explain what was going on and asked if it was possible for me to perhaps pay the fee the following month. ( Although I dont know why, I knew they wouldnt help me. ) But, I was told I qualified for their green card which would lower my rate to $ XXXX. instead of the ( absurd ) $ XXXX. A {$690.00} fee, especially considering the fact that my credit limit was never more than {$4200.00} is ridiculous. I looked at my statement a couple of weeks later and the fee still had not changed. I specifically asked if lowering the fee to {$150.00} would affect my credit, credit limit or my account in any way and I was told no. 

I honestly dont know what they did. I just know that none of it was what I requested, none of it was made clear in any way shape or form and I feel like I was, I guess, tricked. 

Because business was slow, I opened another credit card specifically to transfer {$2500.00} to this Amex card to get the balance down. About 3 days after initiating the transfer I logged onto my account and saw that I was now over my spending limit and past due because the actual product, my Amex Platinum, was changed to a completely different card ; the credit limit was lowered so much that it put me over my spending limit and the {$2500.00} payment wouldnt have even brought it under the limit. 

What they did is so unethical and immoral. I have a hard time believing its even legal. 

If you could take the time to read through the screenshots I would appreciate it. I worked so hard to fix my credit ; it took me a very long time after my divorce and just the fact that I was able to get that credit card made me feel so good about myself. I try so hard and it never seems to matter. 

Thank you in advance for your time and attention to this matter.
Consumer complaint received 2024-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX XXXXXXXX XXXX ( exact date unknown ), I submitted a formal request via XXXX XXXX XXXX XXXX XXXX website XXXX XXXX XXXX XXXX  ) seeking detailed information regarding a debt they are attempting to collect. Specifically, I requested the following : - The original amount of the debt ( initial balance owed to the original creditor ). 
- An itemized list of any payments made on the account, including dates and amounts. 
- A detailed breakdown of any interest, late fees, or other charges added since the debt was charged off.

- Verification of the debt, including documentation proving that the debt is mine, such as copies of the original agreement or contract with the creditor.

- The name of the original creditor, along with written notification that XXXX XXXX XXXX XXXX is either the owner of the debt or acting as an agent on behalf of the original creditor. 

Despite this, I received no acknowledgment or response from XXXX XXXX, XXXX even a confirmation that my request was received. 

On XX/XX/year>, I submitted a second request through their website. In response, I received an email stating, we are unable to locate an account with the information provided. I promptly replied to this email with the debts Reference Number, which XXXX XXXX had mailed to me previously, and requested the same detailed information for a third time. This email was sent to a valid address ( not a " no-reply '' address ), but they failed to respond. 

As a consumer, I am within my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request this information, and XXXX XXXX XXXX XXXX is required to provide it without delay. Their failure to respond appropriately or provide the requested documentation is a violation of the FDCPA and undermines my ability to verify or dispute the debt. 

I am filing this complaint because XXXX XXXX XXXX XXXX has disregarded my lawful requests and neglected their responsibility to provide the required information.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is to inform the CFPB. That for the past six months. I have been trying to renew credit with XXXXXXXX XXXX Unfortunately, there is a freeze on my consumer credit report. With a company by the name of XXXX XXXX which Is owned by Trans Union. On several occasions for the past six months, I've been trying to get their attention, on this freeze. my TransUnion freeze is lifted But XXXX XXXX does not want to approve My application Because of that freeze. I have been communicating with, TransUnion and XXXX XXXX, to lift the freeze on my consumer credit report but They been giving me a hard time on freezing my personal information this is a strategy for consumers not to get approve Between TransUnion and XXXX XXXX and XXXX is denying credit to the consumer. XXXX XXXX is demanding my personal information when I have mentioned that all my information is with Transunion since TransUnion is owned by XXXX XXXX it should not be hard to get my personal information. my understanding is that XXXX does not want to approve me. All because of my credit history This is called discrimination. Which is a violation. I, the consumer and natural person, was denied credit by XXXX when I applied for a credit card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by XXXX TransUnion and XXXX XXXX. due to the response, I received. XXXX  TransUnion. And XXXX XXXX. is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I recently checked my credit report and I noticed numerous inaccurate information accounts and inquiries these inaccurate accounts and information is causing damage to my credit report and my way of life please see the attachments included in this complaint