davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (FL)

I have been charged three excessive late fees for XX/XX/year> ( {$30.00} ), XX/XX/year> ( {$41.00} ), and XX/XX/year> ( {$41.00} ), which is quite high on top of the high interest rate of the credit card.
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc. (NV)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-05-03
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: EQUIFAX, INC. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX US DEPT ED XXXX* Balance Owed : XXXX USDOEXXXX XXXX  US DEPT ED XXXX Balance Owed : {$2300.00} DP OF EDUC XXXX Balance Owed : XXXX} US DEPT ED XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$590.00} 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 2024-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (VA)

Good Day - I received a letter on XX/XX/XXXX & an email on XX/XX/XXXX that I just noticed yesterday evening from Transworld Systems Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never provided my email to TSI nor have heard of this company until I received a letter in the mail. I would like to know how my email address was obtained. I have not received emails from the utility company at the email address TSI used since XX/XX/XXXX. 


I called the utility company to inquire why I received a letter

from TSI & why this account was in collections They reassured me that they would notify TSI that it was paid. That never happened.

I called TSI today XX/XX/XXXX to let them know I do not have a debt & the debt was paid. There was an error with the utility company & I also had an entire new account with the utility company that I knew nothing about which had a balance. I also paid that day I spoke to the company. 

I called TSI today XX/XX/XXXX to inform them that there is no debt. They stated that they haven't received anything.They asked me to send an email to dispute the information to someone named XXXX. I do not want to send anything to someone named XXXX. I initially was going to send an email however I will be sending a certified letter as well as making this this complaint with CFPB. I was informed by XXXX that this is the only way to resolve the debt & once validated it takes a week or so to resolve. 

I contacted the utility company again today and asked why the information has not been sent that this account is paid it has been 2 weeks since I called. They informed me they would send an email to the department that handles the communication today to inform TSI.
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (NM)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM. XXXX Wednesday, XX/XX/XXXX Via CFPB and certified mail to address below Narionstar, aka Mr.Cooper Debt collector Notice Of Error/Request For Information, Including notices of error, complaints, requests for information, or other qualified written requests Attn : Customer Relations XXXX XXXX XXXX XXXX, TX XXXX XXXX : Account number for debt XXXX Dear Mr Cooper and XXXX XXXX ( debt collector attorney ), My name is XXXX XXXX XXXX and I am responding to your contact about collecting a debt. You contacted me by email on and unidentified the debt as belonging to a third party and that is 100 payments ( 8 years ) behind as the date of dischargeor that there is a second loan dated XXXX. 
I do not have any responsibility for the debt youre trying to collect. I owned the property in XXXX and the current owner is XXXX XXXX, a XXXX XXXX. She did not authorize or sought a second mortgage or line of credit loan in XXXX from Mr Cooper on the property she owns since XXXX. Any loans should check title. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. 
Stop all intimidation efforts to obligate me on debts of a third party, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or sell it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Any attempts to collect from my social security funds, XXXX funds or real estate property on an uncollectible stale or wrongful debt would be against FDCPA. 
Stop all communication of your client and/or you with my employers, family members for collection of this debt. Any damages suffered to my job are a direct effect of your collection efforts against FDCPA. 
Thank you for your cooperation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I check my credit report today XX/XX/XXXX and I noticed the inaccurate account and inquiries reported on my credit report. also I received emails from the 3 credit bureaus saying I'm using 3rd party? which is wrong because I'm the one sending letters and filling this complaint. No one help me from any credit repair company or 3rd party here 's the inaccurate account and inquiries I demand to delete immediately : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently made sure that payments on this account are made on time, avoiding any overdue situations. However, I'm puzzled by reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : 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 For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duvera Billing Services, LLC (NJ)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

I signed up for a Discover card over 5 years ago. I signed with a secured card for a {$1000.00} deposit, which I paid. I was told they would review my account monthly and then it would become unsecured and I would get my deposit back. It is now 5 years later and after many calls they still have my {$1000.00} and my card is still secured and hasn't once switched to unsecured.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX ) XXXX Balance : {$720.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} XXXX  XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$120.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} 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 2024-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (DC)

I am writing to complain how Freedom Mortgage is not appyling my bi-weekly Auto Pay to my monthly mortgage payment and my extra mortgage payment to my principal. Instead, they are outrageously reporting it as " Suspense '' payments and saying I'm late on my payments. 

Monthly payment : {$5300.00} On XX/XX/year> : paid a full monthly payment. {$5300.00} On XX/XX/year> : paid a half monthly payment. {$2600.00} posted to suspense On XX/XX/year> : paid a half monthly payment. {$2600.00} posted to suspense On XX/XX/year> : paid a half monthly payment. {$2600.00} posted to suspense On XX/XX/year> : paid a half monthly payment. {$2600.00} posted to suspense On XX/XX/XXXX I asked for an explanation about why my payment was going to suspense. They replied on XXXX saying they would research the issue. On XX/XX/XXXX, they said that they applied it to the principal ( they did not ). 

On XX/XX/XXXX I was notified that my account was past due and that I owe a full monthly payment. Outrageous. I complained on that day. On XX/XX/XXXX, they said they'd research the issue. I spoke with them on the phone and they said they'd fix it. 

It is now XX/XX/XXXX and they still have not applied my extra payments to the principal, only showing it as " Suspense. '' I feel that Freedom Mortgage is profiting by my not allowing me to pay down my mortgage early so they can collect interest. 

XXXX XXXX
Consumer complaint received 2024-07-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (UT)

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXXXXXX XXXX for the amount of {$500.00}. That bank merged with Wells Fargo in XXXX  Being as it is a retirement account meant for the future, I rarely used it. Fast forward to present day, I found a signed application by both me and the bank employee that included the contribution amount at the time of opening. I proceeded to go to Wells Fargo to check on the account at the beginning of XXXX, they said they had no record of it, and to contact customer service. On XXXX I called customer service with no help other than being told to write a letter to their " IRA Processing/Document Capture Department ''. On XXXX I sent a letter certified mail to the address they provided. While waiting for a response, I checked with Utah State Treasury office on XXXX as well, to see if anything was reported or received, with no record from them. Around the middle of XXXX, I received a letter back from Wells Fargo dated XXXX stating that they do not have record, simply stating to contact my tax consultant if I have questions. More less they just blew me off .... They never sent me a notice of account closure ; the state has no record of unclaimed funds. Legally, money can not just disappear without any sort of record or reporting.
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

I have an active stalker/hacker/scammer care. XXXX, XXXX, XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX cash app. Has hit and taken money from everyone. Cash app refuses bank dispute and we are at approx. 10 days and I have provided a police report and Federal Identity theft alert. A ton of evidence in XXXX and XXXX.
Consumer complaint received 2024-07-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX ) and ( Wells Fargo Auto XXXX XXXX XXXX XXXX XXXX XXXX ) Violated of my rights. 15 U.S.C 1681 Section 602 A. Clearly States that I have the right to PRIVACY. 15 U.S.C Section 604 A Section 2 : It also States a Consumer Reporting Agency Can not furnish an 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 PURPOSES. Remove these late payments and update this account immediately as you are in direct violation or several laws under THE FAIR CREDIT REPORTING ACT
Consumer complaint received 2024-07-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

USAA withheld taxes from my CD even after sending new XXXX that was a correction to my initial incorrect tax form. Corrected XXXX sent on XX/XX/XXXX and is an attachment to my complaint. I called the bank several times to ask why continuations w/holding taxes and was told it would be corrected. The bank has changed and it isnt for the better. Incompetence is running amuck down there. Im starting to feel very uneasy with them.
Consumer complaint received 2024-07-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NE)

Transworld XXXX submitted a collection to my credit, stating I owe XXXX to XXXX XXXX. XXXX XXXX has no recollection or proof of previous charges, as I am currently a customer of theirs, so the debt is for sure not mine! Transworld couldnt tell me my information and was unable to give me the account information from the original creditor or the letter!
Consumer complaint received 2024-07-17
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CITIBANK, N.A. (CA)

On or about XX/XX/XXXX, I made a police report XXXX XXXX XXXX XXXX, with XXXX XXXX XXXX XXXX XXXX XXXX, to report XXXX XXXX, XXXX : XX/XX/XXXX, who came to my home to make a few repairs. XXXX XXXX stole several items inside my home, including, material to complete the repairs, brushes, primer, spatulas and an array of other items, and, my XXXX XXXX credit card, # XXXX XXXX XXXX XXXX, from my purse, which was on the mantle. I made a police report regarding the missing items. 
On or about XX/XX/XXXX, XXXX XXXX XXXX line contacted me at XXXX, to report declined charges of {$1400.00} and another large amount ( {$1000.00} ), which XXXX XXXX considered fraudulent charges on my XXXX XXXX XXXX XXXX 
In addition, XXXX XXXX allowed several smaller charges and inquired as to whether I made all of the charges on XX/XX/XXXX and XX/XX/XXXX. 
I informed XXXX XXXX XXXX that I did not make the charges in question and did not authorize the charges, including : on XX/XX/XXXX for {$390.00} ; XX/XX/XXXX, for {$570.00} ; {$330.00} and {$67.00} ; XX/XX/XXXX, for {$520.00} and {$29.00} ; for a total of XXXX XXXX, within a two day period. Activity that is inconsistent with my spending activity. 
I denied making the unauthorized charges to my XXXX XXXX credit card. XXXX XXXX conducted their investigation, without contacting me to get my input, and seemingly made general assumptions about the charges and attributed the charges as my responsibility, despite my denial. 
On XX/XX/XXXX, XXXX XXXX sent me correspondence to notify me that they concluded the charges were my responsibility. On XX/XX/XXXX, I contacted XXXX XXXX Fraud unit to dispute XXXX XXXX findings and the fraudulent charges, XXXX XXXX has re-billed my account
Consumer complaint received 2024-07-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: EAGLE BANCORP, INC. (FL)

I SPOKE TO REPS XXXX AND XXXX on XX/XX/year> Horrible reps and XXXX hung up on me but before that she claimed saying she could not find my account number which I provided correctly both account numbers she demanded my social security number I had no choice but to provide the full Social security number then she said she was able to find my accounts and when I reguested a manager she purposely hung up on me. I believe she requested my ssn for fraudulent reasons and I want this issue to be investigated.
Consumer complaint received 2024-07-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (FL)

I have an account with NETCREDIT, they have continuously approved me for a credit line. However, I had a legal name change and need to update account in order to process a line of credit and access some funds. I have tried for TWO years to request that they change and update my legal name on my account but although they confirm my request, they continue to ignore my request. They will not update my account. I have provided all of my ID information, copies of ID, including a copy of the CERTIFIED COURT ORDER so that they can update the account. They continue to ignore my requests, but yet, I respond to all of their requests. And in the meantime, they just continue to deny my request for funds due to " unable to verify ID ''. They are just sending me in circles and refusing to assist. I do not call it in because 1 ) you still need me to send you the documents and 2 ) I am profoundly deaf. Very unprofessional, unethical company practices. 

Please insist that they respond and handle my request accordingly. Thanks.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Upgrade, Inc. (IN)

Called upgrade on XX/XX/year> to get updates on 3 disputed transactions all of which were told the same response of they did not receive the paperwork that they send me. This is not true all was send back to them. I requested this to be escalated and was told it will be with no continued result. I mailed all supporting documentation with that was requested of me back in the envelope provided with the letter they sent me upgrade continued to say they do not have it. account remains overdrawn for one transaction that was unauthorized and have not received credit for the other 2 billing errors all of witch the paperwork with supporting documentation was provided within the time frame.