davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (GA)

After 45 days and over 15 phone calls talking to almost 20 people at US Bank Mortgage I am no closer to getting resolution to an issue that US Bank has said multiple times is an issue that they caused. US Bank has not followed up as they have stated they would multiple times and has lied and misled me. 

US Bank for no explained reason incorrectly updated my tax bill requirements causing me to have a significant Escrow shortage. US Bank incorrectly marked that my country sanitation tax was over {$4000.00} dollars when in fact it is only {$34.00} dollars annually. They also made adjustments to the amount of tax owed to both the county and city for 2023 even though 2023 tax bills HAVE NOT even been issued by XXXX XXXX. 

In my many conversations, almost every agent has said that this was clearly an error by US Bank but could not give an answer on how it happened or a commitment to fix the issue. Everyone said they would follow up and resolve the issue. The sanitation tax issue was finally resolved after multiple escalations and a " manager '' simply moving the amount back to {$34.00}. The issue with the other tax amounts being updated still has not been resolved. 

Multiple agents and representatives told me to NOT make the payment starting in XXXX that was almost {$800.00} more a month due to this error. They said it would be best to have the issue be resolved and to not worry about any late payments or credit reporting as the account was in a certain status that it would not happen. Well no surprise I got a late fee. I was worried about the account showing more than XXXX days past due as no one was following up and the resolution date kept getting moved so I sent through my bank the payment amount that we have always made. I also did the same for the XXXX payment. 

The account is still showing a late fee, the tax issues have not been resolved, and the escrow is still wrong given the errors. 

The way I have been treated, lied to, ignored, and not followed up with is criminal and I believe a violation of the UDAAP. 

Even today I got transferred around several times and told that the late fee is my issue and I should have paid even though they have on recording that I was told not to.
Consumer complaint received 2024-06-14
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (MD)

15 U.S. Code 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except to advise the consumer that the debt collectors further efforts are being terminated ; Amount : XXXX
Consumer complaint received 2024-06-14
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. (AL)

I am writing to complaint to LVNV FUNDING LLC about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-06-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Duvera Billing Services, LLC (CO)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Even after I entered into a forbearance program in XX/XX/XXXX after being a victim of natural disaster ( Harvey ) in XXXX, Texas, they are are reporting a late payment for me in XX/XX/XXXX ... they had specified no late payments were going to be reported. This had ruined my credit and I need this late payment to be removed and status to be current. On top of all this they stopped reporting my payments after they reported that late pay. So as of now XX/XX/XXXX, my payment history is inaccurate and they are not willing to correct it. I have called them numerous times, and they just say they will get with me but never do. Not only did they report a late pay that they were not supposed to but also have stopped reporting my payments after that.
Consumer complaint received 2024-06-14
Product: Mortgage — Reverse 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: Fay Servicing, LLC (MO)

CONSTANTLY ACTING LIKE MORTGAGE PAYMENTS ARE NOT BEING MADE. LOSING PAYMENT 'S. PRETENDING LIKE I AM NOT XXXX AND THREATENING TO FORCLOSE DUE TO APPLYING PAYMENT 'S TO WRONG ACCOUNTS. PLEASE HELP I HAVE MADE MY PAYMENT 'S.
Consumer complaint received 2024-06-14
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Ria Envia, LLC (UT)

On XX/XX/XXXX I made a money transfer to someone in XXXX, it was cancelled and I was unaware. I made the transfer in Colorado where I was for work and came back to XXXX where I live. When the order was cancelled I called into customer service where everyone was extremely rude and unhelpful. I was finally able to get someone to help where they stated a check would be sent to me in maximum 2 weeks time with the money. 2 weeks passed and I received nothing so I called back only to get transferred around talking to agents who could not help me or give me more information but Im still out my money. I requested to speak to a supervisor after being transferred for the 5th time and the person was extremely rude. Im not asking for anything I am not owed, I just need my {$600.00} back. The last agent hung up on me. I have never dealt with such terrible service in my life
Consumer complaint received 2023-08-20
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: Resurgent Capital Services L.P. (OH)

LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX 
Balance details 0 % paid off Balance {$490.00} Balance updated XX/XX/2023 Original balance {$490.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Debt Buyer Status Collection account. {$490.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Payment summary 2023 XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Name LVNV FUNDING LLC Address XXXX XXXX XXXX  XXXX, SC XXXX Phone number ( XXXX ) XXXX The original account with credit XXXX bank was disputed closed and Account removed from my credit report a few weeks later this collection company pops up seeking sane debt that was disputed as fraud. I want this company removed from all three credit bureau reports.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

I have recently reviewed a copy of my consumer credit report and I noticed that I had fraudulent accounts on my profile. I am referring to the account from LVNV Funding LLC with account number XXXX which is attempting to collect a debt from me. I have never entered into an agreement or a contract with LVNV Funding LLC which makes this a fraudulent account. This also is inaccurately reporting to my consumer credit report and is a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent account reporting is hurting my ability to obtain credit and is having a negative impact on my mode of living. I demand for all forms of communication from LVNV Funding LLC to cease and for this account to be deleted immediately. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer
Consumer complaint received 2024-06-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I opened complaint XXXX which was closed prematurely. Company that responded provided documentation that does NOT match the documentation I have i uploaded for viewing as received by dealership. XXXX are alot of data inconsistencies listed when the informatio is matched with one another. I never signed received or was provided the following documents by dealership : Certificate of title, Odometer and damage disclosure form, Letter of assignment against current loan. I was never provided any Binding agreements between myself and Santander Consumer USA. if this case becomes closed again without proper investigation I will also be holding CFPB accountable along with the dealership and Santander Consumer USA in the Court of Law.
Consumer complaint received 2024-06-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I bought two XXXX XXXX  Gift Cards ( {$500.00} each ) at XXXXXXXX XXXX on XX/XX/year>. I tried to use them the second day but both of the cards were not working. So I contacted the company to investigate the case and a case number ( XXXX ) was given me at that day. I submitted all documents on XX/XX/year>. At that time, the agent told me the investigation usually takes 3-5 days but in rare case can take up to 30 days. So I contacted them again on XX/XX/XXXX again, only to be asked to wait for 30 days. Today, XX/XX/XXXX XXXX after I submitted all documents, I called them again. This time they told me it was not 30 days but instead 30 business days. The agent I talked to just kept saying it is 30 business days even though conflict information was given by previous agents.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I went into Capital One XXXX # XXXX, and deposited XXXX large checks I received in pain and suffering from a settlement. Now XXXX weeks later, Capital One is refusing to give me access to my funds, even the money I did have in there. They have fully restricted all access, to the point I can't even pay my own bills. I have called and called and called them, no help. Went into the branch on XX/XX/year> and was there for two hours, trying to get an understanding and clarification. They are refusing to give me access to my account and my funds until they verify with the remitter that the check was to go to me. The fraud department is refusing to call the number I provided them with because the number on the check can not be transferred to the XXXX. Me and the teller called the XXXX and he confirmed with the teller that this check was supposed to be made out to me, but that was still not good enough for the bank. They told me they would not be unrestricting the account
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX was reported in my credit reportlatte payment in Experian, XXXX and XXXX .. this is a mistake because this account was pay off for XXXX XXXXXXXX to XXXX XXXX on XXXX
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Cancelled a transaction and the issuer sent it back to a cancelled card/account, need it to be refunded to an active account Cancelled and was issued a refund XX/XX/2024 XXXX Business days for refund to transfer to cancelled account of XXXX To anticipate and move the refund amount to my new card of XXXX or to even be issued a check to my bank at Chase
Consumer complaint received 2024-06-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Amsher Collection Services, Inc. (CA)

I called to have all the old accounts removed and they wouldn't do it plus, they wanted me to pay for all of them again I want all of them off my credit report now I want all the old accounts off my XXXX credit report now!!!! 
This is totally XXXX up my credit scores!!! 
sorry for the language But, this is XXXX XXXX what you people let the credit card companies get away with!!! 
Thanks Take care
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were inaccurate because they were furnished without my written signature. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the i nformation. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : You Violated The United States Code Law 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 instructions of the consumer to whom it relates.

Under 15 U.S. Code1681b Permissible purposes of consumer reports Inever gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately I also understand that you are require d to notify me of your investigation results within 30 days and provide me with an updated copy of ALL DELETIONS on my credit report.
Consumer complaint received 2023-07-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PENTAGON FEDERAL CREDIT UNION (AL)

Pursuant to the nationwide multistate licensing system consumer access portal the pentagon federal credit union doesn't have a installment sales contract license to sell contracts in the state of Alabama or and type of license that would have made the credit transaction valid. 

Pursuant to 15 U.S.C section 1666 entitled correction of billing errors ( 2 ) a reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 

Pursuant to 15 U.S.C section 1640 entitled Civil liability.

Pursuant to 12 CFR Section 226.15 right of rescission as a consumer I'm entitled to rescind my contract if I find it to be fraudulent in any way, but the finance company has refused to honor my request per federal regulations and/or applicable law. i wanted to rescind the contract without giving up my rights to the collateral interests of the loan. 

I Made 9 months of payments totaling {$2800.00} without the lender having proper contract from previous lender, in which I never had a signed contract with the previous lender. 

penfed also didn't include insurance in the finance charge pursuant to 12 CFR Section 1026.4
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NV)

I hope this correspondence finds you well. I am writing to bring to your attention an anomaly in my credit report that requires urgent resolution. 

In XXXX and XXXX of 2022, I experienced the unexpected occurrence of missed payments with Wells Fargo Auto, despite maintaining an unblemished record of timely payments over the course of XXXX years. These isolated incidents were entirely uncharacteristic of my financial behavior and stemmed from a technical glitch within the banking system, which affected the scheduled auto-draft payments. 

As a diligent and responsible borrower, I had diligently ensured that all my payments were set up on auto draft to guarantee punctual and consistent fulfillment of my financial obligations. However, due to circumstances beyond my control, these XXXX payments failed to process as intended, resulting in an inadvertent deviation from my otherwise exemplary payment history. 

Understanding the significant impact of these inaccuracies on my creditworthiness, particularly in the context of my current endeavor to purchase a home, I am earnestly seeking your assistance in rectifying this matter. It is imperative that these erroneous entries be promptly removed from my credit report to restore the accuracy of my credit profile and alleviate any adverse effects on my credit score. 

I am prepared to provide any necessary documentation or evidence to support my claim and facilitate the expeditious resolution of this issue. Your prompt attention to this matter and assistance in ensuring the integrity of my credit report would be greatly appreciated. 

Thank you for your time and consideration. I eagerly await your response and the opportunity to address this discrepancy effectively.
Consumer complaint received 2024-06-13
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. (IL)

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were inaccurate because they were furnished without my written signature. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the i nformation. I have enclosed it again and request that you reply within a reasonable amount of time.

Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : You Violated The United States Code Law 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 instructions of the consumer to whom it relates.

Under 15 U.S. Code1681b Permissible purposes of consumer reports Inever gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately I also understand that you are require d to notify me of your investigation results within 30 days and provide me with an updated copy of ALL DELETIONS on my credit report.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Today XX/XX/year> received an email stating unfortunately we reduced the credit line on your XXXX account, apologize for the inconvenience. I have XXXX XXXX  with BOA and over the last 2 months BOA have continued to reduce my credit limit on all. I have never been late nor over the limit and when possible, when life issues have not risen paid more than the min payment due. 
It is beginning to appear to me BOA is on a witch hunt ; once my checking and saving accounts dropped below $ XXXX, I am no longer a customer BOA wants or need. 
I find no legitimate reason why BOA is reducing credit line when all my accounts are current.