davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home 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: LoanCare, LLC (FL)

Hello this is my XXXX CFPB complaint and I have an open XXXX complaint as well. I have been calling the XXXX XXXX XXXX XXXXXXXX XXXX to speak with someone and no one answers. I have left several messages with the supervisor and not call back. Customer service doesn't know anything and they just tell me everytime they will have someone call me. Why is it so hard to speak with someone that knows anything. My frustration level is really at a all time high because I was very intentional and proactive with communication during the Partial Claim review, because of the training your Customer Service and Loss Mitigation representatives need badly I am in the same position I was in prior to the partial claim. 

Then right after the partial claim was implemented into the system and off cycle analysis was done to raise my payment and for what? I didn't request the analysis and there was not an extra payment made out of my escrow account that would trigger and off cycle analysis. If your policy is to complete an off cycle analysis after implementation to increase the monthly payment, right after an approved partial claim or modification that's not ethical at all but I wouldn't put that pass yall. 

I was informed that my credit suppress expired XX/XX/year>, even though I still have XXXX open complaints and I pretty sure that is a FCRA violations but seeing as Loancare has an abundance of those I am not surprised. 

I made a payment via XXXX pay last week so as of today I should be due for XXXX and XXXX, even though I should be only due for XXXX. I am still awaiting resolution for you correct the misinformation that was provided to me that was the reason the Partial Claim was signed in the first place. Like I previous said I can make XXXX XXXX XXXX XXXX payments for XXXX and XXXX to bring the loan current and take care of the shortage to my escrow in XXXX or XXXX when my analysis is completed I feel as though this is the easiest way to correct the delq payment as I can not afford XXXX full monthly payments to bring the loan current as I was unemployed for a few months, which was the reason I applied for the partial claim. XXXX XXXX XXXX payments only yo short the escrow are not uncommon in these circumstances and I work in the XXXX XXXX XXXX in my current position so I know it is something that can be done.
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LD Holdings Group, LLC (CA)

Hello I recently took home mortgage from loandepot.com. I paid an extra amount towards principal of my loan but somehow amount didn't went through and was returned. Unexpectedly they charged my {$25.00} of fees for this without even informing me beforehand about this. I never got any document from loandepot regarding this fees and hence I asked them to kindly waive it for this time as a goodwill gesture. Customer care representative couldn't provide me the documentation showing this and was adamant not to waive this for this time. 

Hence I request you to kindly help to get it waived. Thanks
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NC)

Got a call from Chase Credit Card regarding an application for a credit card on XXXX. Was told that an XXXX XXXX had all of our information and was requesting a credit card amount of {$5000.00}. This person, XXXX XXXX lived on XXXX XXXX, XXXX, Florida XXXX. Phone number, I think, XXXX - may be disconnected. 
The person from Chase Credit Card said that XXXX XXXX XXXX had had a breach and lots of people had their info taken. Any way Chase Credit Card gave me a cancellation # XXXX for this. He advised me to go the CFPB and file a complaint and ask that this XXXX XXXX be put on the XXXX list. I do not want any of my/our information shared with anyone. 
Chase alerted me to this breach.
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OK)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( XXXX ) Debt XXXX are legally obligated to adhere to 15 U.S. Code 1692e ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica (TN)

Hi I am the XXXX for ( XXXX ) people with different ages & health conditions. I have ( XXXX ) separate cards for the XXXX individuals. DirectExpress/Comerica Bank has deposited on ( XXXX ) separate occasions the Social Security Benefits that belonged to ( XXXX ) different peoples account. In 2021, there was {$2700.00} deposited into my brothers account that belonged into my Sons account, they refused to refund my money & stated it wasnt their fault. Im XX/XX/XXXX there were multiple fraudulent/unauthorized charges that occurred that I noticed & made them aware of, totaling {$200.00}. I was told itd take XXXX to receive the refund which would be by XX/XX/XXXX still no refund. I contacted them again they stated theyd create an escalation ticket XXXX to have it sent within the next XXXX business days. I went onto my brothers account in which again I am the XXXX  over & it showed that the funds were applied to his card account which is incorrect, unprofessional & unacceptable. I contacted them, they made excuses stating it was sent to the wrong card & that they send refunds to any card thats in my name on the DirectExpress portal. I explained to them thats impossible to think this is acceptable & should be tolerated being this is the XXXX time theyve done this to me. Whichever card account that I am disputing is the very same card account the refund should be reapplied to. This is now totaling {$3000.00} that Ive lost with this company. I need help tremendously with this. Thanks for your help & understanding.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (MI)

On Thursday, XX/XX/XXXX I called Sofi Bank to request a verification of deposit letter that will be used to verify funds for use with US Immigration and Customs Services. 

Customer service states that they need a blank pdf indicating which information should be provided. They say they can not just generate a VOD. USCIS does not provide a template, they accept private bank VODs generated by a bank XXXX. 

I emailed them a pdf with the information I neede to the email provided and today, XX/XX/XXXX, received a response stating that my request could not be fulfilled until I sent them a fillable pdf that was XXXX compatible. 

I believe this undo labor for a client in order to receive information about their own account. This is also limiting for clients who are not tech savvy or who are XXXX in some way and are not able to create their own pdf.
Consumer complaint received 2024-07-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NC)

I never entered into any contract with your collection company. You need to prove that this account rightfully appears on my credit report and that my rights remain intact, or you must terminate this account immediately. Under 15 U.S. Code 1692e ( 6 ), debt collectors are prohibited from providing false information or making misleading statements about the debt 's nature, amount, or legal status. Making deceptive claims or misrepresentations about the debt is illegal.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have filed a FTC report because my credit report shows fraudulent activity. My name is spelled incorrectly and the address listed does not match my current address. There are multiple accounts that do not belong to me listed on my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any connections with these data furnishers I have never signed any agreements nor have I given consent for my non public information to be shared. 15 USC 1681i requires accurate information to be furnished and after a full investigation if these items can not be verified they shall be removed.
Consumer complaint received 2024-05-20
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: EQUIFAX, INC. (TX)

XXXX and Equifax are reporting inaccurate information for account XXXX XXXX XXXX. This account was deemed a loss in 2018 and went into collections. Debt in the state of Texas is only collectible for 4 years. This balance should be reporting as {$0.00}, but it is not. Furthermore, the date last active does is not consistent between all 3 bureaus : XXXX reports XX/XX/2018 while Equifax reports XX/XX/2018. The payment history is also inconsistent with Equifax reporting 'OK ' while XXXX reports 'CO '. This is clearly misinformation and negligence. I will attach my credit report showing the inaccurate dates for the payment status as well. How does this meet FCRA regulations? I am requesting that all business and transaction documents to prove that this account was legally verified. In the meantime, cease reporting of this account due to the misleading and misinformation failing to comply to 15 USC 1681. XXXXXXXX XXXX is to send all documentation via CFPB, not mail.
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: W&A Intermediate Co., LLC (MS)

The repeated calls and messages from Wakefield Associates and its other partners have caused me sleepless nights worrying about safety due to the repeated threats and repeated hang ups this company has been continuing when they find my contact information and are buying it from the credit reporting agencies. I have a right to privacy and a right to be left alone. I refuse to pay a debt that I do not owe. I did send this company via all mediums to leave me alone and they refuse to cease their unlawful and abusive debt collection practice. Every 3-7 years this company pays to find my information just to harass me. They are texting my phone phishing sending me links to click on just to steal my location and information on my phone. I did not authorize them to do this and I as a survivor of trafficking believe that this is someone seeking to cause harm to me and I will notify my tribal communities, law enforcement, and the international governing agencies of this crime.
Consumer complaint received 2024-07-09
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: Experian Information Solutions Inc. (NY)

On XX/XX/year> I prepared and mailed off letters to the 3 major consumer reporting agencies XXXX, Experian and XXXX below is a copy of the letter : I am writing to formally request the deletion of a bankruptcy entry from my consumer report. This request is made pursuant to the provisions of the United States Code ( USC ), specifically those relating to permissible purposes of consumer reports and the handling of information resulting from identity theft.

Details of the Request According to 15 USC 1681b ( 2 ), consumer reporting agencies are only allowed to furnish a consumer report under specific circumstances, including receiving written instructions from the consumer to whom the report relates. Additionally, 15 USC 1681q stipulates penalties for obtaining consumer information under false pretenses. 

Legal References 15 USC 1681b ( 2 ) : This section outlines the permissible purposes for obtaining a consumer report, one of which includes obtaining written instructions from the consumer.

15 USC 1681q : This section details the penalties for obtaining consumer information under false pretenses, which can include fines and imprisonment.

18 USC 1028A : Defines aggravated identity theft, stating that using someone else 's identification without lawful authority is punishable by additional penalties. 

15 USC 1681c-2 : Requires consumer reporting agencies to block information resulting from identity theft within four business days after receiving notification from the consumer.

Request for Action Given the provisions outlined above, I request that the bankruptcy entry on my consumer report be deleted. The entry was not authorized by me, and therefore, the information was obtained and used without my lawful consent.

Please confirm receipt of this request and provide a timeline for when the bankruptcy entry will be deleted from my consumer report.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MN)

On XX/XX/year> between XXXX XXXX  and XXXX am {$1500.00} was taken from my account without authorization from an ATM. The money was withdrawn from my account while I was in a different state. I filed a dispute after finding out about this on XX/XX/year>. On XX/XX/year> I get an email stating that no error occurred and the bank wont return my money that was unauthorized use of card, or fraud. I filed a police report with the agency at the state I was in verifying that I was in fact in that state and not in the state of Minnesota. I obviously cant be in two places at one time. I submitted that police report with my dispute and even that didnt help as the bank refuses to give me my money back.
Consumer complaint received 2024-07-09
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: JPMORGAN CHASE & CO. (CA)

XX/XX/year> I was transferred to the automated system to authorize my monthly payment and the payment was drawn from the wrong account. An account that was closed that I had called Chase Auto Finance in XXXX and requested to remove from file a few months previously. My payment requested for XX/XX/year> was drafted from the wrong account and after noticing the auto draft was not taken out after XX/XX/XXXX I called & was told my old account was charged in error by the automated system. I have never been late & this is not fair to me because I am not supposed to be late on anything after a bankruptcy. I have never been late on this or any other accounts to date,
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NV)

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX HAS VIOLATED my rights.

15 USC 1681 Section States I have the right to privacy.

15USC 1681 Section 604 2 : its also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not teat a payment on a credit account under an open end consumer credit plan as a late for purpose.
Consumer complaint received 2024-06-28
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: SYNCHRONY FINANCIAL (SC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

i am XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] XXXX XXXX Synchrony Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX To Whom It May Concern, PayPay Credit received payment via US Certified Mail with tracking on XX/XX/year>. Paypal has failed to update the principal account to reflect Paid in full nor did Paypal Credit return the payment. The amount of {$2300.00} that PayPay CREDIT is claiming the principal owes is incorrect. The alleged payment is in a positive form which means that amount should be credited to the account.

Thank you.

All Rights Reserved
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (MD)

This is the second incident with Wells Fargo Bank , N.A . 

My recent statement reflects a billing cycle of XX/XX/XXXX to XX/XX/XXXX, however the due date is the XXXX of each month. As such my last payment of {$350.00} was due on XX/XX/XXXX and the next payment of {$350.00} is due on XX/XX/XXXX. 

Transactions on the most recent statement reflect the payments listed below. 
XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$300.00} Additionally, a late charge of {$40.00} was billed on XX/XX/XXXX. 

Today, on XX/XX/XXXX, I called to request that the late fee be removed because the payments on XX/XX/XXXX and XX/XX/XXXX satisfied the monthly payment and it was made prior to the XX/XX/XXXX due date. The fact that the billing statement is capturing a payment made before the billing cycle supposedly begins clearly shows that the payment should count. The representative advised that she was unable to waive the late fee because this was the second occurrence and payments have to be made within the billing cycle. 

I also advised that the XX/XX/XXXX payment is supposed to apply to the upcoming payment due on XX/XX/XXXX. 

Most credit card companies close the billing cycle approximately 3 days after the payment due date. However, Wells Fargo 's extended billing cycle treats payments made after the due date but within the billing cycle as an additional payment that does not count towards the next due date. This results in illegitimate late fees. 

I called Wells Fargo a second time today and the representative was able to waive the late fee under a payment posting error ; he still told me to change my payments to after the billing cycle closes.
Consumer complaint received 2024-06-28
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: TRUIST FINANCIAL CORPORATION (SC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-07-03
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC (KY)

Hello in XXXX I wanted to work on my credit I was about XXXX or XXXX XXXX in debt but I felt like with help I could get everything paid off and repair my credit so I called XXXX XXXX gave them my info I thought they were going to help me I set up a payment arrangement for XXXX a month and in return got nothing i paid this for at least 6 months to a year I didnt hear from them much they would send me emails but nothing in the emails were anything g about how they were helping me fix my credit it never showed any change I finally called and asked them about my account the person I spoke to told me that I needed to call them to let them know how fast I wanted to clean up my credit I asked what my money went towards they couldnt tell me I know this has been along time ago and I dont have much info other than the name of company I tried to get them to help me get my account info but they would not help me they did nothing at all for me Ive sent emails Ive called Im sure I can find records of where they were taking XXXX monthly off my card Im on a fixed income and the more I think about it Im really upset because I didnt have the extra XXXX a month at the time I was raising my XXXX grandchildren and had a daughter of my own I dont have any records of it because it was all done online and email but I can get where my payments came out I dont want this to happen to anyone else they wont even give me the info to get into my account I just want my money back or show me what youve done for the money
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Dear Sirs, I need your assistance after several attempts to have XXXX XXXX and Experian to remove a derogatory account off my Credit Report. the account is with XXXX XXXX XXXXThe Credit Reporting Agencies after being asked to return proof that this debt is valid .I requested an original copy of the copy of the original contract with my signature and the company signature on it and stating the Originial amount on it the amount on the reports is {$12000.00}. After several attempts and letters this negative information is still on all my reports with XXXX  XXXXand Experian. I am getting alerts with XXXX and XXXX XXXX stating that I missed a payment in which is lowering my score.Just last month I applied for a Auto loan and theCar Finance Manager said I could not get approved because my XXXX stated that I just had this month a repossession. I greatly need your assistance in getting this negative information removed. My credit and scores has suffered extensively. They also refused to remove the old addresses and inquiries and an Ex- Wife name in which I am no longer married to her for several years now. These are several dates in which I had sent numerous letters trying to get certain things removed like XXXX XXXX and they still refused to correct the informationXX/XX/XXXX,  XX/XX/XXXXXX/XX/XXXX. Hope you can be of assistance. Thank You