davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

I noticed 2 accounts reporting on my credit report erroneously. I have written both companies asking for a contract with my wet signature and to no avail have either company supplied me with an original contract with my wet signature. It has been 45 days since I've called and written these companies and there has been no response they are supplying this information to XXXX, XXXX, and XXXX. These illegal reportings are hindering me from becoming a homeowner. Please investigate these companies.
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

BAnk of America Credit Card Debt in amount of {$6100.00} Please Delete Debt I've the right to recession I also have the right to privacy this debt was sold to multiple companies and my information was shared without my consent. 

I never received a recession form I've the right to recession and it wasn't disclosed of the consumer credit transaction. Under 15 usc 1635 Under truth and lending disclosure We know for those that have been here for some time you guys are fairly new the finance charge is the sum of all charges some of them are charges me the total payments I need the total amount of all charges but granted they're still looking to continue to make month payments on something that's already been financed by someone that's already getting credited that's why we talk about the lending misuse of one 's credit and that's why they talk about that you know let 's see it is the purpose of the subject to assure a meaningful disclosure of credit terms so that the consumer will need to prepare more revenue various credits and avoid the uninformed use of credit by why are we talking about avoiding the uninformed use of credit because on the use of our credit we would understand that we are the creditor do every single transaction with these that collectors and financial institution as one from and the rights therefore extend credit.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

Basically, I am locked out of my online credit card/checking account and customer service is unable/unwilling to help me regain access to my account... 

It all started a few days ago when I attempted to add a new bank account to my checking account ( all accounts are linked under the same ID ). When I added it, it asked me to enter my debit card number and pin to verify my account. I'm thinking 'fine, no problem. ' Well, I entered it and I get a message saying that 'this information does not match our records '. So I'm thinking 'Fine, I mistyped something ; stuff happens ' and tried it again. After 2 more tries, that's when I get an error message that my account has been locked out and to regain my access to my account I simply need to reset my password... 

And that leaves me to where I am now... 

Whenever I attempt to reset my password, I keep getting the error message that my account is locked and that none of the information I enter seems to match their records ... doesn't matter what card I use, what method I use to confirm my ID, nothing ; I keep getting the same error message...

I've contacted chat several times ( I included one of the screenshots ) and they keep telling me to keep doing the reset method, one of them told me to contact technical support. I did call tech support a few days ago and got disconnected...

I attempted to call tech support back and they never answered...

Yesterday I called customer service directly and after customer service repeated the same steps that chat told me about for resetting my password, they connected me to tech support, and guess what, I got disconnected again...

I called customer service back this morning and after waiting for 45 minutes, nobody ever answered my call.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group (CA)

On XX/XX/2024, I sent a debt validation letter to Velocity Investments LLC regarding an account ending in XXXX, with a balance of {$37000.00}, originally from XXXX XXXX  XXXX To date, they have not validated this debt. Despite my dispute, XXXX continues to report this debt as accurate. I request Velocity Investments LLC to cease all collection activities and report the debt as " Paid in Full, On Time '' to all credit reporting agencies. Additionally, I request XXXX to update my credit report accordingly and to notify any company that accessed my credit report within the specified timeframes.
Consumer complaint received 2024-08-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WHEELS FINANCIAL GROUP, LLC. (TN)

Loanmart, XXXXXXXX XXXX will not do a loan mod- they offered a settlement with a 2 week pay- i needed more time due to a bank deposit with a 5-7 day hold and no one will respond to me after 4 email attempts. I payed money to hold off a repo and now their communication and response has stopped. My bank needs a new agreement to send funds to settle this account. 
XXXX has the most recent emails and also XXXX XXXX
Consumer complaint received 2024-08-02
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Dave Operating, LLC (PA)

I am currently in a hardship, I am XXXX and issues receiving the correct amount for workers comp. I receive $ XXXXbi-weekly and have needed legal representation ( XXXX XXXX ) to handle my legal matters. 

I had used DAVE to take an advancement in the amount of {$420.00} and forced to pay an extra {$21.00} to get the same amount out until I can pay it off. 

The amount available has slowly decreased and now I can only get {$120.00}. They stated it may change every 24 hours. I explained I am XXXX and this is creating a hardship. 

They do not care and say they have terms. I also know you can not discriminate against someone who is XXXX. I am considered XXXX and awaiting the judges decision to find out the level of XXXX I have to determine the amount of money I am entitled to. I can not afford to pay my rent that is due today because they will not me take out the {$420.00} I have been taking out and paying early. I have paid early, I pay the ridiculous {$21.00} to get my money and now I'm put into a hardship because of their discrimination against people with XXXX. 

Depending on how far this goes, I may take it further. Many predatory cash apps have started since covid happened and they prey on people in hard times. 

I plan on helping others in this situation. 

Thank you for your time and consideration Sincerely, XXXX XXXX
Consumer complaint received 2024-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IN)

I submitted a request to close my escrow account on XX/XX/year> and followed the instructed method by submitting a handwritten signed request via email. Additionally, a customer service representative told me that he also submitted a request for me. I received an email from Newrez acknowledging receipt of this request on XX/XX/year>. The website says that it can take up to 30 days for a removal of my escrow account to process. Today is XX/XX/year> so it has been well over the 30 days. I have called in for an update at least 4 times and was told they will expedite this up to the escrow department but I still have not heard back. My next payment will be withdrawn on XX/XX/XXXX and will include funds that will be deposited into my escrow account which I will now need to wait for the company to return. Once my escrow account removal is processed, I now expect my return of funds check to be express mailed to me due to the inconvenience that this has caused.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (KY)

PayPal is constantly sending me emails about fraudulent accounts under my email address ; I have reported to them that I have never opened a account with PayPal and requested that they remove my email address from the accounts, the last one submitted to me was for a fraudulent transaction for XXXX in the amount of {$320.00}
Consumer complaint received 2024-07-31
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: BANCO POPULAR DE PUERTO RICO (PR)

I placed a DISPUTES with POPULAR AUTO ( Banco Popular de Puerto Rico ) and Popular Auto creditor about the erroneous balance and other information in Popular Auto account XXXX on my XXXX Credit report. 

XXXX informed me that they verified with this creditor " that the balance is being reported correctly '' when on the other hand, when I asked Popular Auto directly to correct the credit file, they responded admitting the disputed proceeds and moved forward to revise and updated the file. Clearly contradictory. 

XXXX dispute system is not recognizing the invalidity of this credit file, is not making a real investigation and negligently allowing a disrupted creditor abuse credit reporting and harm me. Bankruptcy documentation provided is enough for XXXX to correct the file, if they truly investigated, they would not have any doubt in correcting the file at once. 

This account is 20+ years old, discharged in my bankruptcy 18 years ago, therefore the balance must be {$0.00} and this credit file must not be reported on my present XXXX credit report. 

Popular Auto must correct, on its own with the documentation, the credit reporting for this account. XXXX must recognize my bankruptcy protection and also, on its own correct the file. 

Together, these two companies conspire and cover each other for allowing persons inside their organization deploy corrupted procedure directed to harm targeted consumer with false information in credit reporting. 

XXXX complaint against XXXX # XXXX is also open for further review of XXXX business practice.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (MD)

I am writing to dispute the Mortgage Account XXXX, that was inherited by the Mr. Cooper Mortgage Company from the former NationStar Mortgage. The item I am disputing, My Mortgage Account status, is reflected on all three credit reports enclosed. 
On XX/XX/XXXX, I pulled my credit reports and saw that this item, after being advised by my realtor companys Legal Advisor : XXXX XXXX XXXX, Short Sale Coordinator of XXXX XXXX XXXX, P.C.,XXXX XXXXXXXX XXXX XXXX , XXXX , VA XXXX ( XXXX ) XXXX-direct, ( XXXX ) XXXX-efax, XXXX ; and the former NationStar Mortgage assigned Negotiator, XXXX XXXX ( XXXX ) XXXX, that my final documents received in connection with my closing, that my Mortgage loan was approved for forgiveness ( paragraph 2 of the approval letter ). ( which I have enclosed as well ). I have also included several correspondences with my attorneys the letter confirming my no longer dwelling in XXXX XXXX XXXX, XXXX, VA XXXX since XX/XX/XXXX and also paperwork confirms the successful short sale to a Ms. XXXX XXXX on XX/XX/XXXX. 
I am requesting that My Mortgage Account information be modify as the information is inaccurate and incomplete. As of XX/XX/XXXX, per the advisement of my Attorneys, realtor, and NationStar Mortgage, my home was successfully sold as a short sale, approved for the loan forgiveness, and through legal proceedings, made me no longer responsible for that mortgage due to the property being owned by another homeowner. Therefore, I am requesting that the Mortgage Account information be modified to reflect I have satisfied my obligation, and that all negative marks on my Credit be deleted in order to restore my credit into good standing. As of XX/XX/XXXX, I have contacted the Former NationStar Mortgage Company 's RESEARCH Department ( Now taken over by Mr. Cooper Mortgage Company ), I spoke to a XXXX XXXX ( XXXX who was most helpful and advised me to send my cover letter, documents and email to " XXXX XXXX
Consumer complaint received 2024-07-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NH)

On XX/XX/XXXX I lodged a complaint with cfpb about my forced XXXX XXXX loans through navient. In response navient sent me the misconduct application form as I qualified for it. I submitted it with evidence including my letter as a class member of the XXXX XXXX  XXXX lawsuit, lawsuits against the schools both federal and state as well as proof of false graduation rates and employment snd salaries. On the evening of XX/XX/XXXX I recieved emails from navient confirming my application was approve for private loan dismissal. Since I graduated in 2007 I had been forced to make payments on these loans. Even though my evidence proved I was forced to take these loans out and they were forgiven I was denied restitution. This is unacceptable. Navient has put aside millions of dollars to settle private loan forgiveness. There is zero reason for them to deny restitution on school misconduct findings that they themselves approved. I am attaching my misconduct decision on the loans and payment history on the forgiven loans showing all the payments I have made since graduating in 2007. 

Again I was forced to make payments on these loans for years. These loans were proven to be unethical and fraudulent. My payments should be returned in full.
Consumer complaint received 2024-08-01
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: JPMORGAN CHASE & CO. (IL)

Hello, I had originally paid $ XXXX to XXXX for tickets to XXXX XXXX XX/XX/XXXX. On the day of my flight of XX/XX/XXXX, there were no tickets printed. I used a number online to call XXXX XXXX as I was in a rush. It ended up being a scam company going as XXXX XXXX XXXX that fronted as XXXX XXXX. They said that I did not have any tickets for XXXX and that I had to pay $ XXXX for the tickets again. After coming back from my flight, I called XXXX and they said they had no information about this transaction. XXXX states that the tickets were printed, so the second charge for $ XXXX was paid for nothing. 

I called Chase on XX/XX/XXXX to dispute as a fraudulent charge. The department for Fraud told me that they could not refund me and transferred me to another department. The next department told me I had to send the nearest bank in writing to be able to redispute the charge. I have attached the letter that I faxed over, I have not received a response in over 2 months. 

It seems as though any time I bring up a refund, I am just given a workaround with no actual solution.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (MD)

US Bank advertised an {$800.00} bonus offer for opening a Business Checking Account with the following Terms and Conditions : " You must make deposit ( s ) of at least {$25000.00} in new money within 30 days of account opening and thereafter maintain a daily balance of at least {$25000.00} until the XXXX day after account opening. '' I applied for and successfully opened the checking account online on Sunday, XX/XX/year>. On XX/XX/year>, the US Bank website stated the account was opened and provided me with the 12-digit account number and 9-digit routing number. I then logged into the US Bank website on XX/XX/year> and the new checking account was displayed in my online accounts. Therefore, I understood XX/XX/year> to be my account opening date and followed the Terms and Conditions of the offer by depositing at least {$25000.00} in new money until XX/XX/year>, which was the XXXX day after account opening. 

US Bank is now denying my bonus because they claim the account opening date was actually XX/XX/year> and therefore the XXXX day after account opening would have been XX/XX/year>. When I responded that I applied for the account online on XX/XX/year> and the website displayed a successful account opening confirmation and checking account number on XX/XX/year>, US Bank tried to add an extra term and condition by saying the account wasn't actually opened until the first business day after account opening and that to qualify for the promotion, I would have had to keep at least {$25000.00} until the XXXX day -- after the first business day -- after account opening. 

When my checking account was approved and opened by US Bank on Sunday, XX/XX/year>, I printed the details of the offer Terms and Conditions and saved it. The printout ( attached here ) is timestamped with the date of XX/XX/year>. All the information that US Bank provided to me on Sunday, XX/XX/year>, including displaying a message on the website saying the account was successfully opened, providing me with the 12-digit checking account number, and displaying the new active checking account in my online US Bank account profile, would lead a reasonable person to understand that XX/XX/year> was the account opening date. 

This attempt by US Bank ( after the fact ) to add a business day requirement to the account opening date is nowhere to be found in the actual offer Terms and Conditions ( attached here ), and it is a shameful attempt by US Bank to defraud customers ( and military Servicemembers like myself ) who opened a Business Checking account and followed the actual advertised Terms and Conditions in good faith from receiving a bonus that they rightfully qualified for.
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I posted on XXXX ( now known as " XXXX  '' ) that I was looking for XXXX XXXX concert tickets and an account with the username of XXXX XXXXXXXX direct messaged me that she had tickets to sell. She showed me a screen recording of the tickets to prove that she had them and told me they were {$160.00}. I sent her a zelle payment ( zelled to XXXX XXXX XXXX ) of {$160.00} Friday XXXX and she showed me that she 'sent ' the ticket to my XXXX  XXXX account ( so I could accept the tickets ) but it never showed up. She then said there was a 'transfer fee ' of {$100.00} which I zelle 'd as well ( so I sent her a total of {$260.00} at this point ) and it was emailed to my XXXX account, but I still had no ticket in my XXXX  account. I then asked her to just give my money back and she told me her uncle would email me a check for {$450.00}, " {$260.00} for your money back and {$190.00} for the trouble ''. I told her that I did not need extra money, just my {$260.00} back. Then the 'uncle ' emailed me a {$800.00} check and she told me he sent it to me so I can send it to her for her 'upkeep ' and I told her I was uncomfortable getting this much money from someone I don't know and she asked if I could deposit it and send it to her. I wanted to get over the situation so I deposited the checks to my account and once they were cleared, I sent her money and kept my {$260.00}. Both checks were deposited online on Monday XX/XX/XXXX : XXXX for {$450.00} and another for {$800.00}. She then told me to zelle her boyfriend the {$500.00} that was immediately available after the online deposit, zelled to XXXX XXXX XXXX. As the checks were pending, I called XXXX twice on Monday XX/XX/XXXX and spoke to XXXX different representatives to ask them if they can look into the checks and verify that they were real. I was told that they were real and money has been credited into my account. On Tuesday XX/XX/XXXX, the total amount was credited so I sent her the rest of the money via zelle to XXXX XXXX XXXX. On Thursday XX/XX/XXXX my account showed that the checks were altered/fictitious so I called XXXX again and was able to speak to the claims department to report the scam. I also called Zelle and spoke to a representative who was able to document my case and said they will look into it. In total, I have lost {$1500.00} and am seeking help to get my money back.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My Experian report has inaccurate items and I have already notified Experian several times of these inaccuracies. All these charged-off accounts are reporting past due balances but a charged-off account is a closed account and can not report a past due balance.
Consumer complaint received 2024-07-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

Lexus issue ... my lease final payments were XX/XX/year> .. i sent the buy out checks out to their operations overnight mail on XX/XX/year> and still have not received my title to transfer in my name in PA .... In the mean time i have been getting delinquency notices by mail and text saying my account is past due... they have my buy out money they acknowledge that but said the cant turn off their collect system until they apply the buy out or pay off. I have called XXXX to see what my status is and they claim they are under staffed and so backed up they have not processed my buyout... This is very frustrating since all my payments were made, i called for the buyout figure before i sent my money and its still not processed..If this is happening to me how many more lease customers is this happening to??? there has to be some consumer protection laws violated here... secondly they better not report me delinquent on my credit report... i know thats a fair credit report violation.. I need somebody to contact Lexus and find out my situation and also find out how many lease customers are going through the same issues i am ..When i called they said that alot of the lease customers are waiting ... this is something that needs to followed up because its not just me, its alot of lease customers.. as of this date XX/XX/year> i have no resolution