davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

We have our personal home and attached building that we use for business. 
They only paid the insurance on the personal home part of the home and not the business part. They paid it last year with no problem, but this year they are refusing to pay it and they have been taking out the insurance money monthly we we make our monthly mortgage payment.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-07-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (OH)

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Southwest Credit Systems , LP 's unauthorized debt collection activities in the state of Ohio. Upon conducting a review via the XXXX XXXX XXXX XXXX ( XXXX  ) website, I discovered that Southwest Credit Systems , LP ( XXXX ID : XXXX, formed XX/XX/XXXX ) is not licensed to collect debt in Ohio as of my review date ( XX/XX/XXXX ). 

I attempted to verify Southwest Credit Systems , LP 's XXXX ID by contacting them directly on XX/XX/XXXX, but I was unable to obtain verify the ID with the representatives I spoke with. However, during my conversation, the representative, XXXX, confirmed other details such as their address. Regrettably, XXXX 's demeanor turned confrontational, refusing to allow me to express my concerns. Our call, which lasted approximately 17 minutes, did not result in any resolution.
Consumer complaint received 2023-04-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (AZ)

Original purchase of the vehicle in question from XXXXXXXX XXXX. Due to loss of income as result of XXXX XXXX, I did a volunteer turn in/repossession of the vehicle approximately late XXXX/early XXXX directly to the the XXXX dealership in XXXX AZ. Some time later I was advised by letter that the vehicle I purchased two years before for {$50.00}, XXXX had been sold for {$20000.00} and was contacting me for a " balance '' due of {$29000.00}!! No documentation or proof of this claim!!! 
The current rent collector also has not provided proof of this alleged sale amount which would have been a low ball sale on the part of XXXX XXXX ( dilberate???? ) to penalize me additionally!!!
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (TX)

We booked a hotel at XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX ) through American Express Travel for XX/XX/XXXX - XX/XX/XXXX totaling {$560.00}. 

When we arrived and checked in to the hotel ( XX/XX/XXXX about XXXX ), the room was in unsatisfactory conditions. When we spoke with the front desk they stated that they didn't have any more rooms available and that they can just cancel the room since we were unsatisfied. 

We asked for a receipt for the cancellation and the guy at the front desk stated that there will be no receipt because we didn't stay in the room, and there will be no charges. I stated that I have money charged on my card and he stated since we booked through American Express that they would have to remove the charge. 

The charge was not removed from my account and disputed with American Express. American Express stated that the merchant is stating that they don't have any documentation of cancellation so they still charged me {$560.00}. 

The merchant refused to provide us with any documentation showing that we canceled the room. The cameras at the hotel clearly show us leaving the hotel around that time. We also have documentation other proof that we stayed at a different hotel that night due to there being no other rooms available. 

I need this charge removed from my card because the room was canceled and the merchant wouldn't provide cancellation paperwork. We did not stay at this hotel for the time that we were charged.
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

I am writing to file a formal complaint against LVNV Funding LLC, a collection agency that has been violating my consumer rights under various consumer protection laws. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding LLC has failed to provide me with the required validation information regarding the debt they are attempting to collect. I have not received any documentation or validation of the debt, which is a direct violation of 12 CFR 1006.34 ( b ) ( 5 ). 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account in question. LVNV Funding LLC placed a collection on my consumer report without providing the necessary information and without giving me a chance to dispute the validity of the debt. This is a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

Violation of 12 CFR Part 1006 : LVNV Funding LLC has been using false, misleading, and deceptive means to collect the debt. They have misrepresented the amount of the debt and have used threatening language in their communications. These actions are in violation of 12 CFR Part 1006, which prohibits debt collectors from engaging in deceptive practices. 

Violation of XXXX XXXX  XXXX Statute of Limitations : The statute of limitations to collect this debt in XXXX XXXXk XXXX has passed. According to XXXX XXXX XXXX laws, the statute of limitations for debts is three years. LVNV Funding LLC is attempting to collect a debt that is beyond this period, which is an additional violation of my consumer rights.
Consumer complaint received 2024-07-10
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 XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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. 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 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (OR)

I previously complained to the CFPB in complaint XXXX about XXXX XXXX XXXX XXXX {$99.00} from a cancelled transaction back on XX/XX/year>. Since filing that complaint and its closure XXXX XXXX XXXX took retaliatory action against me and my account and has since put a full restriction on my account. 

They also have still not returned my funds and refuse to let me speak to anyone who can help me. I seriously hope CFPB can take enforcement action against XXXX.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (OH)

Back in XX/XX/2022 I filed bankruptcy and Oportun personal loan was included in that bankruptcy. Oportun are still showing my account as being open with XXXX. They need to contact XXXX to let them know my account was closed back in XX/XX/2022 and add a remark to that account on my XXXX report showing the account as closed and no late payments.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I put my money in Citi Bank in XXXX California ( Money Market Promo for XXXX  Months ) XXXX with an interest of XXXX XXXX starting in XXXX for XXXX months and I have only received interest for XXXX XXXX of {$37.00} XX/XX/year> XXXX which should have been for XX/XX/year> XXXX XXXX XXXX = {$1900.00} XXXX XXXX also at least = {$1900.00} I am being riped off of {$3800.00} of interest a far difference for my XXXX XXXX account. I have all the paperwork and I have been that I signed with XXXX XXXX XXXX XXXX Personal Banker XXXX  # XXXX XXXX  ID XXXX Citibank. XXXX. 
XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX and her bank asst manager XXXX XXXX Branch Manager XXXX said it was a glitch on their end that they did not enter the XXXX XXXX but will correct and the last XXXX month of interest and the XXXX XXXX when it is due. And both said it was not an error on my part at all. 
I've talked on the Phone with XXXX XX/XX/XXXX, XXXX, XXXX and she assured me I would get my Interest that it was being taken care of. 

But today her boss called after I left her a message Her name is XXXX and said that the glitch was on their end and that they could start my account all over as of Next XXXX  and start paying the XXXX XXXX but not sure they would pay the last XXXX months. So they sat with my XXXX for the last XXXX month after signing documents that I would be given XXXX XXXX each month for XXXX  months and now they want to cheat me out of my interest for holding my money. That fraud. Thats a lie. 

I spoke with her on the phone today and she was very sarcastic and told me she could see what she could do but most likely I will not get my interest for the last XXXX  months. 
XXXX XXXX XXXX XXXX XXXX XXXX Can you please help me? Please Advise
Consumer complaint received 2024-07-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: U.S. BANCORP (CA)

I am a single woman, and in the process of borrowing {$170000.00} from the U.S. Bank against my house in CA. I and my mother owned the house in XXXX XXXX until she passed away in XXXX, and since then, I've been the sole owner of the house. 

The U.S. Bank rejected my loan application, claiming there is a tax XXXX recorded against my mother. I asked the Bank to send me a copy of the XXXX, but they refused. The Bank 's underwriter said : " There is a federal tax XXXX listed in your late spouses ( sig ) name. At the time this XXXX was placed, your spouse was still an owner on the title, so I have confirmed this XXXX is valid. 
" JUDGMENTS/ LIENS A federal tax lien against XXXX XXXX in the amount of {$13000.00}, plus costs, interest, additional taxes in favor of THE DEPARTMENT OF TREASURY - INTERNAL REVENUE SERVICE dated XX/XX/XXXX recorded on XX/XX/XXXX in ( instrument ) XXXX, of the official property records of XXXX XXXX XXXX, California. '' B/c the Bank REFUSED to share the lien with me, I had to do all the leg work to obtain a copy of the lien, which wasn't easy to do. It turned out the XXXX is an UNSECURED XXXX against someone else whose social security # was totally different than my mother 's. ( The XXXX clearly shows the debtor 's social, different than my mother 's ). I also had to incur my own expenses and ordered a title report for the Bank because it also REFUSED to share it with me. When I sent the title report to the Bank, along with my mother 's social security card + death certificate, the Bank 's underwriter finally said, the title report was " helfpul. '' The Bank could've easily saved so much agony for me, simply by sharing the unsecured XXXX in their possession with me. If I did not speak XXXX, the BANK would've made me pay off someone else 's XXXX. Can you please look into whether the Bank applies the same type of abysmal unfair practice to Caucasians? If the Bank has given me extra difficult time because my last name shows I'm an XXXX descent, that's clear XXXX discrimination.
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (GA)

When I originally loaned my car from Mercedes in 2022, the payment portal did not work properly and I was unable to make a payment. I called in multiple times to fix the issue and ended up having to pay extra fees through the payment processor repay to pay the lease. Despite having to pay extra fees to pay via credit card v. ACH transfer, Mercedes still reported my account as missing two payments over 30 days. This has negatively impacted my credit score. I have repeatedly attempted to dispute the late payments on my credit report to no avail. I have made all of my payments on time.
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

After receiving the response to my complaint sent by CFPB ( XX/XX/year> ) to LVNV Funding LLC. I demand the immediate closure of this collection, not only for lacking legal evidence, but also for demanding and forcing payments for an account that lacks receipts. This practice is not only illegal but very harmful and punishable under the consumer abuse act. 
The information provided by the collection company in response to my complaint is not only irrelevant and inaccurate, is an insult and evidence that he is trying to harm me with his malpractice and as such it is illegal based on the documents they have against me, to continue to claim a collection without legal receipts on a debt that does not belong to me and constitutes an illegal practice under the consumer protection system. Its is illegal as it is based on monthly activity statements, sent by the original creditor to an address that was not associated with me on the dates of those statements, and not on any original documents from original creditor to prove any legal agreement between me and the company that included but not limited, any, contract acceptance agreements with my signature and date of acceptance, proof of receipt of the physical card mailed address delivered, verification of purchase receipt plus signatures, ID or Driver Licenses associated with the physical card, bank receipts associated with monthly payments to named account, or any other form of legal verification document to support their claim.
Consumer complaint received 2023-11-02
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-09
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCF Intermediate Holdings LLC (TX)

Speedycash has employed XXXX XXXX Co to collect a debt. XXXX has been contacted, personally, and demanded to cease and desist. XXXX continues to call, text, and email, not only myself, but friends/acquaintances/family.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Earnest Inc. (CA)

I was on hold making payment to to in-school deferment is approved until they have the new scheduled payment. but they Ernest reported late payment on hold period. 

whole through out the time I was in communication with Ernest. 

" Thank you for reaching out to us. I was able to work with my management team and they have advised that scheduled payments would always remain due until an in-school deferment is approved and applied to the account. '' above is the message I got from team but I still see late payment affecting my credit. I need this to be removed.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

Received several overdraft fees that should not have been charged and being told the system is responsible and they ( the rep. ) are unable to remove the charges. Don't remember exact dates but I did have account in XXXX and XXXX and was XXXXXXXX XXXX each time, at least 8 to 10 times of banking with Wells Fargo. Called each time to dispute the charges and have my money returned to my account and being refused my request each time.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC. (VT)

I recently sent a letter to the collection agency after receiving bills from them through the CFPB. The bills were never sent from the original creditor. I was not aware of the debt until I looked over my credit report. I'm not saying the debts are not mine but before I pay anything I would need the proof from the collection agency verifying the debt. I asked for this information one month ago through the CFPB and received a few bills and one of them was a medical bill showing procedures which I think is a violation of HIPAA. The most recent letter I sent certified shows that it's still sitting at the USPS waiting to be picked up. It shows is was delivery attempts and has been sitting there since XX/XX/23. 

Send me the contract I have with this company to collect a debt.
Consumer complaint received 2024-07-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (NJ)

I have requested the lien holder ( Ally Financial ) to send my vehicle title to the DMV in New Jersey so I can register my vehicle. My lien holder decided to send my title to Florida instead. After weeks of waiting they finally recieved the title back. I was advised they were sending it to the correct DMV and it would be there in 2 days. I waited the 2 days and it was still not recieved. After waiting 2.5 weeks I called my lien holder back to find out what is going on and they stated they never sent it out. They are claiming to need a signature ( which I have provided in the beginning of the process ). It has been close to 3 months of them effecting me, my job, and my family. I am being forced to pay for my vehicle that they are preventing me from using. Every employee there is giving me different excuses and brushing me off. They are also ending the call, preventing me from leaving any comments on the service ( even when I opt into taking the survey ).