davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC (TX)

I moved out of the XXXXXXXX XXXX in XX/XX/XXXX. I received an email from XXXX XXXX XXXX XX/XX/XXXX that I had an outstanding balance due. I emailed back the same day, no response. I called the next day and was told that the balance included a {$150.00} charge for damaged flooring. I instructed the billing department rep that I had photos of multiple areas of damage to the flooring that was evident upon move-in and was instructed to email again, attach the photos, and that they would forward the photos and details to the local management office. I was also told that the billing department would be responsible for all communications in-between since I was no longer a resident at the property. I then attempted to follow up on the outstanding charge on XX/XX/XXXX, XX/XX/XXXX. XXXX, and XX/XX/XXXX, and never received a single response. Then on XX/XX/XXXX, I received an email from a 3rd party collections agency stating that I owed the same balance against the same account. I called the XXXX billing department that same day and was told that they no longer had possession of the account, there was nothing they could do, and that I would need to contact the local property management office in order to have the account retracted and deleted, as it had already been reported to my credit causing an almost XXXX point drop to my credit score. I called the local property management office the same day, left a voicemail, and got no response. I then emailed the corporate XXXX office XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX trying to identify who could assist with this issue. Finally I received a call on XX/XX/XXXX from the new property manager at the XXXX XXXX, who told me she had no capability to retract the collections account, had no authority to resolve the issue, and had no other contact at the corporate office who had the power to do so. I was advised by her to file a complaint with the CFPB, including copies of my attempts to contact the billing department with XXXX response, in addition to disputing the charge with the credit bureaus. I have attached emails that include my multiple attempts to reach the billing department for a response, the photos that show multiple areas of damage to the carpets from the day I moved in, a copy of my phone bill showing my initial call to the billing department the day after I received the initial balance, the email I received from the collections agency, and the following day when the account hit my credit with the negative affect. I still dispute that I do not owe the full amount on the outstanding balance and the local property manager was not able to provide any resolution other than recommending I file complaints/disputes to resolve the account.
Consumer complaint received 2023-09-21
Product: Mortgage — VA 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: CARRINGTON MORTGAGE SERVICES, LLC (GA)

On XX/XX/2023, I notify Carrington Mortgage Services LLC that they were over charging on my escrow account based on XXXX XXXX 's annual assessment which I have attached. The county has granted me an Homestead Exemption which stabilizes the Tax and property value. Carrington Mortgage choose to ignore the new numbers and continue to inflate my home value by around {$30000.00} which has increased my insurance and escrow, yet they continue to collect county tax fund which they are not entitled to.
Consumer complaint received 2023-10-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (WI)

I attempted to refinance my truck with Toyota financial group by getting a loan with my bank XXXX XXXX XXXX XXXX. After XXXX months of passing XXXX XXXX  I start to receive phone calls multiple times a day from Toyota financial. I contact them find out that they never received a check so for XXXX months Ive been paying XXXX XXXX XXXX XXXX. I never received the returned check in the mail get a new check send it to them now its not enough, I get a new check send it to them and its not enough I tell them to cash it and Ill pay the difference like less than XXXX $ and they can send the title to my back and we are all good. They send the check back and now my loan is obviously in bad standing and my bank will not loan if your not in good standing and not my credit is ruined from all the attempts to get them Toyota financial group their check. I was at the bank getting the 10 day payout and recorded XXXX different prices in the same day so I sent them the most money requested just over XXXX $ and they never cashed it or sent the check back. My wife worried her vehicle that she uses to get to work was going to be towed had to purchase another vehicle. I want them to get their truck and dismiss the loan and any charges. They are easily the worst company I have ever dealt with nobody is in charge they use people overseas to accomplish local tasks that have no idea what they are doing it is a disgrace! How they rudely call you like Im the bad guy after dealing with them all summer it has been this way since we got the truck I cant believe they are in business at all. Places like this are criminal they only care about money and they wont even take it when you send it to them complete scam.
Consumer complaint received 2023-10-05
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)

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. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2024-10-23
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: JPMORGAN CHASE & CO. (CO)

I used my principal XXXX XXXX and invested in J.P. MORGAN CHASE BANK giving CHASE the security collateral from my principals estate in exchange for a credit card. 
When I filled out the application online I did not see any place to attach the tender required stated in The Federal Reserve Act Section 16 paragraph 2 as a result I sent XXXX XXXX a letter on XX/XX/year> with a Power of attorney showing I have jurisdiction over my citizen along with the tender acting in correct performance demonstrating the ability to contract and was treated like a minor which is discrimination because of age - Equal opportunity Act. 
I received a letter of Decline due to past or present delinquent credit obligations, too few accounts, limited credit experience and history of poor performance. This is a Violation of 15 USC 1615- The right to Service and again age discrimination - Equal Opportunity Act. 
There was also discrimination based on credit history. Only the Federal Reserve Board of Governors has the authority to decline credit - Federal Reserve Act Section 16 - which J.P. MORGAN CHASE BANK is NOT. 
Banks are only allowed to borrow ( 12 USC 1431 ). 
Furthermore, I have the right to credit due to the fact the funding comes out of my Principals estate. ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXXXXXX ). 
XXXX XXXX failed to respond so I sent another letter on XX/XX/year> asking for a copy of the application, requesting a XXXX XXXX dollar credit limit on the credit card and giving him the opportunity to cure. Again No response so I sent a 3rd letter on XX/XX/year> for default judgement and again no response was received so I proceeded to study how to file a civil claim where I found in the rules that I must communicate with you first so I am doing so now.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: 2288984 Ontario Inc. (AZ)

Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization asserting that I owe this debt related to this account. 

1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt.

4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt.

5. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant state and federal laws.

Please consider this letter as a formal dispute of the debt, and I Kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

Sincerely,
Consumer complaint received 2023-07-06
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 — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

I did not notice my Venmo account has been frozen- mainly because I never received an email about it .my email is XXXX. I logged on after being paid and the communication is vague and I was told they would be 11 hours and not passed by being told ndifferent things. I have had that account for a while and things like this happen and they are in no rush to fix it Maybe due to outsourcing or The current state of the world, but its not right its been days and escalated but no one has even contacted me to say they are working on it - ( until I call )
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (IN)

I went through the process of setting up an account with Square to transact business with different companies that I was to provide training for. After going through ALL the processes mentioned to open and set up an account with them, I was given the approval to go, then set up my bank account and it was approved. Once I had the email confirmation that I was all set, I sent the invoice to the business for which I performed the work and then waited the standard few days. Once the business submitted the payment, " Square INC '' magically said they needed more verification... SINCE I did not receive my money from square I authorized the sender to dispute the charges with XXXX and they did. Square then IMMEDIATELY and suspiciously deactivated my account so that I would not longer have access to it. after waiting the ridiculous 90 days for the dispute, Square ruled that I was to be paid the funds. Once the funds were " cleared '' they were to transfer the money into my registered bank account .... accept my account was deactivated and therefore no bank account o send the money to. I have been without my {$24000.00} payment for well over 120 days! This has absolutely crippled me and my ability to produce! I then made several dozen phone calls, emails and attempts to reach someone in customer service at Square .... one they validate my phone number, the automated system just hangs up on me, every single time without fail. They have responded to emails, essentially saying, sorry, your account was deactivated! BUT they have made NO ATTEMPT to send MY {$24000.00} to my bank, as verified by my Banks branch manager. Since they deactivated my account mysteriously in the middle of they dispute, I have no access to it in order to give bank account info. Also, if I was not " approved '' to transact funds, why did they receive the funds on my behalf?? Yet refuse to pay it to me. They still have not made any attempt to pay me, or send the money back to the company, who is paying the bill. This all Started back on XX/XX/year>, has now been over 4 months of them withholding access to my funds
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IN)

LVNV funing llc or Resurgent capital services Reference ID XXXX Balance {$590.00} Account holder XXXX XXXX I've already told them this was a XXXX XXXX account which was paid in full or XXXX Balance then account was arbitrarily just closed by XXXX. It has a balance of {$0.00} before the account was closed. this is Fraud it is fraud it is fraud.
Consumer complaint received 2024-10-29
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dobberstein Law Firm, LLC (WI)

On XX/XX/year> Dobberstien law firm called me and the lady told me first my payments didn't go through or were charged back/canceled which they weren't and I told her I have receipts as well as bank statements showing I have been paying my payment arrangement. Then she goes to tell me I missed a payment because I paid it XXXX days earlier and they will pursue the judgment if I don't get caught up. As soon as I told her I have a receipt showing I paid it a few days early she said, " well we will look into it '' and hung up. This is harassment I told the company not to call my cell phone as I am making payments and they still do.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (TX)

In XXXX, I received numerous notifications from XXXX XXXX informing me that my credit had been ran by several businesses for XXXX XXXX. I did not request or complete any documentation for this. All of the inquires are below with dates. 

XX/XX/year> XXXX XXXX XXXX Global Lending Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, a transaction went through for an unauthorized purchase of around XXXX dollars made in XXXX XXXX, which is nearly two hours away from my location, on my AMEX gift card. About two days later, I called AMEX to dispute the charges, and they opened up a case. After waiting for around a month, they contacted me saying that my dispute was declined, and now I'm XXXX dollars short.
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

I have an ongoing dispute with misleading claims and dropped claims that resulted from the scam that happened to me. I filed a complaint. It clearly says there will be a resolution by XX/XX/year>. I even received a call, yesterday out of the blue from Pay Pal. The gentleman ( XXXX? ) assured me I would hear from them. He also said he would be emailing me with his contact info. I somehow got the idea it might be in the resolution of my CFPB complaint. Nothing, crickets, it is currently XXXX EST. And I see that is a non monetary settlement which is not what was discussed. Pay Pal has all the power on their side. Thank goodness I have my bank. Which has been supportive and helpful. PayPal has been a roller coaster which always ends in disappointment. Because no matter what the user agreements say, you should not treat any customer this way. How could I be alone?
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : ITEMS TO DISPUTE CREDIT INQUIRIES 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-23
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NC)

how can a loan be sold out to so many places an tack on all these fees and change original contract went from XXXX-bayview-community-XXXX XXXX  XXXX expecially when my loan/lien was released through XXXX
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Hi, I submitted complaint ID # XXXX on XX/XX/XXXX, and receiv3d further retaliation for submitting that regulatory complaint. Bank of America staff appears to have taken steps to close my checking account that has received XXXX & VA direct deposits since XX/XX/XXXX, some XXXX  years of banking history. I found my Debit Card didnt work at local places near my condo then identified error messages that surely had to be a mistake. There was no mistake -- just discrimination & retaliation against this XXXX XXXXXXXX XXXX  ( Protected Class ). Why? I stated I would submit a regulatory complaint in response to Bank of America XXXX, XXXX XXXX, making erroneous accusations of fact against my character claiming that he submitted an incident report to security, claiming I " stormed off '' because he asked me to leave and I stated I would be filing a regulatory complaint on XX/XX/XXXX ; and again on XX/XX/XXXX when I submitted complaint # XXXX. I tried calling BoA staff & was in hold for over 25 minutes before a person XXXX firmed my accounts were closed and/or frozen by unnamed staff. I also stopped by a BoA branch on XXXX XXXX, XXXX, TN XXXX where BoA staff I had worked with 3 times revealed their real name was not the name on the business card. Another staff member came out to say there was no way to contact supervisory staff, XXXX XXXX, but I could reach out to an Escalations Manager but they already left for the day. I reminded staff that the lack if information con earning a damaging and harmful action by Bank staff during an open regulatory complaint investigation would be considered retaliation. I appreciate the opportunity to assist a publicly traded company with reasons to not discriminate and retaliate against XXXX XXXX with service connected XXXX. Thank you for your time, XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (AL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off 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 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 2024-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (CA)

XXXX XXXX refunded a Zelle transaction on XX/XX/2024 but the funds has not shown up on my account. The reference number for the Zelle transaction is XXXX. I've spoken with my bank, XXXX XXXX, and they informed me that as of today, there is no record of any pending refunded Zelle transaction.
Consumer complaint received 2024-10-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (TN)

Loan was transferred wot Mr Cooper on XX/XX/XXXX. The first payment is due XX/XX/XXXX. The loan numbers included on the paperwork filed regarding the transfer are not recognized by their automated system. I have been trying for weeks to get information regarding the loan and there is no way to get help. They have XXXX chat that says the loan numbers are incorrect and I give me a number to call. The number is an automated system that won't accept the loan numbers we were sent. I have never experienced a more inept financial institution. I am complaining bitterly to my home bank and warning against selling loans to Mr Cooper ever
again. But I am stuck with a loan that has XXXX customer service and will face late fees and credit issues simply because they can't answer an email or phone call.