davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I purchased a phone for {$200.00}, however I was scammed and never received the product. 

I reached out to the merchant XXXX XXXX but there was no resolve after multiple attempts so I filed a dispute with Wells Fargo on XX/XX/XXXX. 

XXXX XXXX, better known as XXXX XXXX did nothing to assist and neither did Wells Fargo. 

I was told Wells Fargo does not cover claims since I paid on my free will and my card was not mis-used since XXXX XXXX payments are made by the person. 

The CFPB filed a lawsuits in XXXX against XXXX XXXX for depriving consumers of access to their funds or failed to adequately address customer concerns regarding fraud and errors in a manner that is unfair in violation of Sections 1031 and 1036 of the Consumer Financial Protection Act, 12 U.S.C. 5531, 5536 ; or ( 2 ) failed to follow the requirements applicable to resolving errors and liability of Case XXXX Document XXXX Filed XX/XX/XXXX Page 1 of 10 PETITION TO ENFORCE CIVIL INVESTIGATIVE DEMANDS 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 consumers for unauthorized transfers in a manner that violates Regulation E, 12 C.F.R. Part 1005, Subpart A, implementing the Electronic Fund Transfer Act, 15 U.S.C. 1693 et seq., principally 12 C.F.R. 1005.11 and 1005.6, or 12 C.F.R. 1005.18 ( d ) and 1005.18 ( e ).

According to the Electronic Fund Transfer Act, in the event of theft or loss, and more than 2 business days of reporting the incident to the financial institution there is a maximum liability of the total sum.

Please assist with this matter. Thank you.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Marlette Funding, LLC (NC)

I have contacted best egg several times in regarding to my reward redemption request, first time was the end of XXXX when they randomly closed my account, second time was XX/XX/XXXX and the third was today XX/XX/XXXX everytime I call I am being told different things and Im not understanding what is so difficult about my request. the account is now closed I have a reward balance of {$16.00} and my account balance is {$16.00} I requested for them to either cut me a check for that amount or to add it to my account. I was advised today that they wont do either. Which doesnt make any sense because that money is still owed to me.
Consumer complaint received 2024-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY (DE)

My payments are not applied correctly ; one month is one thing and the next is something else. For XXXX the balance was {$61000.00} for XX/XX/2022 it went up a little higher to {$61000.00} for XXXX. The count for my mortgage is off. every month it was not the same. I will send you the paperwork so you can see it,
Consumer complaint received 2024-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

Back in XXXX I was admitted to the XXXX XXXX XXXX XXXX. Due to financial issues, I submitted a withdrawal request to the university before registration, and attended a local community college instead. It is now XXXX, and I have just received phone calls from Conserv XXXX notifying me that I have a balance owed to the school. I withdrew in XXXX, long before class registration, and never attended a single class, and never moved into student housing. I was informed the balance on my student portal would be canceled, and that was the end of it. No attempt had been made to reach out to me. I had to reach out to XXXX, and was told because my financial aid was switched to another school, I had to pay whatever financial aid was withdrawn. I requested a breakdown of the debt and updated my contact info, and was never sent anything. I never received a single service from XXXX, and am confused as to why I owe anything. Why was my financial aid award spent by the university before I registered for classes? I am now dealing with Conserv XXXX and am getting nowhere.
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (LA)

CFPB Complaint against Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Via Complaint Portal https : //www.consumerfinance.gov/complaint/.

RE : Fair Debt Collection Practices Act ( FDCPA ) Violation by Jefferson Capital Systems Dear CFPB, I am filing this complaint against Jefferson Capital Systems, a debt collector, for violating the Fair Debt Collection Practices Act ( FDCPA ).

Debt in Dispute : I am disputing the validity of a debt that Jefferson Capital Systems is attempting to collect. They have not provided any validation information as required by law under 12 CFR 1006.34 ( b ) ( 5 ). Additionally, they have placed a collection account on my credit report without giving me a chance to dispute it, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

False and Misleading Information : The collection activity by Jefferson Capital Systems is deceptive and misleading. They have furnished an account to a credit reporting agency without providing the required disclosures under 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( 7 ) ( A ).

Dispute and Communication Revocation : I dispute owing any debt to Jefferson Capital Systems. Furthermore, I revoke my consent for them to communicate with me through email, text messages, or calls and the statue limitations has Pass, and you cant even collect in my state Request for Information : I request a copy of the purchase agreement between Jefferson Capital Systems and the original creditor for this alleged debt.

Desired Outcome : I request that the CFPB investigate these violations and order Jefferson Capital Systems to : Verify and validate the debt.

Remove the inaccurate collection account from my credit report.

Cease all communication attempts.

Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

Name : LVNV Funding LLC Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Contact Information : ( XXXX ) XXXX Product : Debt Collection Description of the Complaint : I am filing a complaint against LVNV Funding LLC for violating my rights under U.S. Code, Title 15. They obtained my personal information illegally without my consent, violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

When I called to issue a cease and desist order, I discovered this was not the first violation. LVNV Funding admitted to purchasing multiple accounts related to me, repeatedly violating my rights. Additionally, they reported duplicate accounts with incorrect balances. I did not consent to the original creditors to share or sell my personal information. 

Violations and Estimates : Unauthorized Access to Personal Information : LVNV Funding LLC obtained my personal information without my consent, in violation of 15 U.S.C. 1681b ( FCRA ). 
Estimated number of violations : XXXX accounts. 
Misrepresentation and Incorrect Reporting : LVNV Funding LLC reported duplicate accounts with incorrect balances, violating 15 U.S.C. 1692e ( FDCPA ). 
Estimated number of duplicate accounts : XXXX accounts. 
Repeated Violations : LVNV Funding LLC has a history of purchasing accounts and violating my rights on multiple occasions. 
Estimated number of previous violations : XXXX accounts.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AND XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (LA)

My husband and I were depositing at CHASE JP MORGAN BANK ( Location : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX LA XXXX ) the day we got paid. It was on XX/XX/year> at night, so we felt unsafe going into the ATM that's in the branch. We always deposit money into the ATMs outside and we never had a problem until today. My husband went first and his funds were credited to his account. We deposited my funds ( {$960.00} in mixed bills ) and it took the machine longer than usual, and the machine informed us that the " funds can not be deposited at this time. '' We thought it would return us the money but it didn't. We got a receipt telling us that if we had a problem with our funds, call the number on the receipt. We called and it was just an automated machine. I went back to the branch to tell the teller our situation and they gave us an ATM Claims number to call. We called and told the agent that answered that day our situation and was informed that our funds will be credited in a couple of hours. 2 days has past and nothing, so I called ATM Claims number and they told us our claim and our funds has been denied. {$960.00} gone down the drain. This is unacceptable, we been Chase account holders for MANY, MANY years. The branch is no help, it's like we're stuck at a dead end with no roads left to go.
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I keep receiving information from my credit monitoring that someone is attempting to take out loans and has opened an account in my name at Golden 1. I have a letter from Golden 1 to an old address stating an account has been opened. I went to the Golden One Branch on XXXX XXXX XXXX on XX/XX/year> in person with XXXX XXXX to inquire about an alert on my credit report where someone attempted to take out a loan. Now I have a bank statement from Golden 1 dated XX/XX/year> that a checking account has been opened under my name. They have yet to follow up with me or even contact me. I called and went into a branch, and until today, I have not followed up with anyone. I have received a bank statement in the mail and never opened an account with them. The identity verification at Golden 1 is lax. The first breach was the credit inquiry for a loan, and the second was opening a bank account. A thorough audit of their loan and checking account opening procedures must be done. Their lax security has impacted my credit score.
Consumer complaint received 2023-05-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BCA Financial Services, Inc. (NJ)

When I signed up for my high deductible and 20 % co-insurance plan, I did calculations based on fair and average delivery costs. However, the hospital billed much higher than Fair Health Consumer and Healthcare Bluebook published average rates. The average cost for the mother and baby is a total charge of {$15000.00}, plus the XXXX XXXX observation room fair price should be {$600.00}, for a total cost of XXXX. The hospital charged a total above {$44000.00}. Secondly, the commercial insurance acceptance for a XXXX XXXX  with XXXX XXXX is very high. The bill was a whopping XXXX, XXXX above the maximum amount other insurances accept. In short, the insurance paid above {$19000.00} already to XXXX XXXX which is XXXX higher than the average rate that hospitals charge for the services I received. This is without the additional XXXX which I owe. 
Another more serious complaint I have is against the hospital is its unfair collection procedure. Less than XXXX hours after XXXX XXXX XXXX, a hospital employee asked me to pay a bill of XXXX based on charges of XXXX just for my stay in the hospital. This was before any EOB or proper insurance processing was conducted. The bill was nothing less than extortion. The actual amount I owed, after insurance processing was significantly lower than this trumped up, false bill presented to me. This is clearly fraudulent and unethical and dishonest practice. It also takes unfair advantage of the vulnerability of a XXXX XXXX XXXX XXXX XXXX In my weakened state, I caved into the pressure and allowed the hospital employee to charge my card for {$1100.00} instead of the $ XXXX they initially demanded in conversation with me. The card was declined due to insufficient account balance. 
XXXX XXXX who managed the Debit card I offered the hospital, has record of XXXX XXXX charging my card XXXX XXXX less than XXXX hours after my baby was born, for the amount of {$1100.00}. Permission to charge my card for this amount was obtained through disreputable business practice, intimidation, and fraud.
Consumer complaint received 2024-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (MO)

XXXX - XXXX debited bank account for XXXX for XXXX mortgage payment not due until XXXX. when we complained they reversed it. 
XXXX - XXXX debited bank account for XXXX for XXXX mortgage payment not due until XXXX. 
they stated nothing they can do until banks open Monday. 
These two incidents impacted our vacation. I was delayed returning home from out of town on the first instance, and now need to travel for business on Monday and not expected to be credited until close of business on Monday. 
XXXX XXXX  XXXX, TX
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IL)

I opened my bank account and was able to normally use it for a few days, a few days after opening my account I attempt to make a XXXX transaction only for a few hundred bucks and my account has been locked and has remained locked for over a month. With multiple attempts at speaking with someone no one has helped me at all being told that they have sent a letter with a reference number multiple times and still havent yet received this letter after and entire month to access my account! Being told that they have sent to a address of mine that they found in public records problem is I have moved quite a few times and unable to receive anything at said address
Consumer complaint received 2024-06-08
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: Affirm Holdings, Inc (FL)

I submitted a complaint about Affirm failing to report positive payment history, as they advertised and promised when accepting the loans. I submitted a complaint here recently about it, and I included screen shots of the loan ID numbers that Affirm has been refusing to report. It totals XXXX on-time payments, which is a significant amount of history that should be added to a credit report - not just the negative reporting because it helps Affirm prey on their customers ( in an abhorrent manner ) if things go south. Here is my response that explains that situation : This is cherry-picking and selective bias at its finest. Here are XXXX loans that I took out from Affirm, totaling XXXX on-time payments that they are refusing to report to the credit bureaus ( posted below this paragraph ). Notice how they fail to mention them? I submitted these along with screen shots for my complaint to XXXX, which Affirm still ignored and refused to post to my credit report ; Ill be calling XXXX tomorrow to submit this to reopen the challenge. Affirms image and selling-factor ( aside from monthly payments ) is based around reporting positive and negative payment history to the credit bureaus- this was a service offered and promised to me upon every, single loan agreement. Anyone can visit their website ( sign up for a loan ) and see that they offer this as clear as day. Despite that, they have failed to properly report my history with them. 

XXXX : XXXX on-time payments not reported XXXX : XXXX on-time payments not reported XXXX : XXXX on-time payments not reported XXXX : XXXX on-time payments not reported Ive made a complaint to the CFPB before about their unwillingness to report positive activity before XXXX to which they responded with another excuse/loop-hole that can potentially get them out of it. Im submitting another complaint with the CFPB, along with this indisputable proof. Im just going to reciprocate the energy, and since Affirm doesnt want to follow through with their word of posting positive activity ( which they fell through on long before I suffered a severe auto accident and fell behind on payments ), I suddenly dont feel like paying the collection agency to settle this debt. Its despicable how they offer and promise proper payment history for potential customers, only to say Affirm is not obligated to report every loan once it becomes convenient for them in a situation such as this. Believe me when I say I will wait the XXXX years for it to disappear from my credit report. However, Ill be contacting the FTC tomorrow about this as well. Last, if my loans were put in deferment, then why were they not deferred, and why were payments still due on them? That's not a deferment.
Consumer complaint received 2024-06-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (NV)

I applied for a company scales by sales a sales company. I got the job but they said I needed to pay them XXXX and I would make that money back. I took out a loan with affirm like they asked. Only after the call ended and that all happened I found out it was a scam company. Tried to disput loan and they said I cant tell after processed and the loan was going to XXXX which is not the company name idk what that is. The website is XXXX
Consumer complaint received 2024-06-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caneel Capital, LLC (IL)

In XXXX of 2023, Trinity Financial Services ( TFS ) filed for foreclosure on my property. Through deed research and speaking with the TFS attorney, XXXX XXXX, it was determined that the property had a lien on it in error. The foreclosure was then dropped and filed on XX/XX/year>. The issue with this is that TFS has never issued the XXXX release of my property. I have called them several times trying to get this released and spoke with a supervisor named XXXX. After calling them for approximately 4 months, and being sent to XXXX 's voicemail several times, the only information I was getting was that it was sent to the legal department. I can not move forward with building a house on my property until I have a XXXX title due to lending agencies requirements. It has been plenty long enough get this sent. 

The property that was foreclosed on is XXXX XXXX XXXX. The paper work included my property description in it in error. I am specifically stating this because this is what XXXX used to look this cases information up. They said they had noted the account with my call ins. 

Any more information needed, please request. I likely have it already through my discussions with the bank who put me in this position and different attorneys.
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XX/XX/XXXX beginning at XXXXXXXX XXXX PST I received emails from USAA confirming I had been added to a personal profile as a member 's child ( I am neither a child nor a member of the XXXX XXXX ). They then were able to create a checking and savings account in my name, update the account preferences, and link an external account to the new accounts. I received nine consecutive emails from USAA about the creation and modification of the accounts, the final email that evening from USAA was received at XXXX XXXX 
On XX/XX/XXXX at XXXXXXXX XXXX PST I called USAA using the number on their website and spoke with a representative named XXXX about the emails I received, he was understanding and helpful. He took down my information and details about the incident and confirmed USAA 's fraud team would reach out to me later today ( XX/XX/XXXX ). 
As of XXXXXXXX XXXX on XX/XX/XXXX I have received no further communication from USAA. While I am confident that I will receive some form of follow up I am concerned about how an individual was able to open accounts in my name, using my email address ( which has not been compromised ), with no verification.