davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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/updated.

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.

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!
Consumer complaint received 2024-07-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Dear [ CFPB Representative/Department ], I am writing to seek assistance and clarification regarding an issue I have encountered with WePay, an online payment service provider. Despite my compliance with all requested documentation, WePay has retained my funds for an extended period of 120 days without providing a clear rationale and subsequently closed my account. 

Details of the Incident : Timeline of Events : Date of Transaction Initiation : XX/XX/24 Date of Fund Hold Notification : XX/XX/24 Ticket # XXXX Submission of Required Documentation : XX/XX/24 Ticket # XXXX Notification of Account Closure : XX/XX/24 ticket # XXXX Actions Taken : I have emailed them over 15 times trying to get clarification and they can not give me any reason at all and keep telling me they are holding the funds for 2 separate transactions one for {$1800.00} and the other for {$900.00}. These are two separate clients and i provided all necessary documentation to them prior on XX/XX/24 I provided all necessary documentation as requested by WePay to verify the transactions and my identity. 
I have repeatedly contacted WePay customer support for explanations and to resolve this matter, receiving only generic responses about their 'risk management policies '.

Impact on Me : The held funds amount to [ Insert Amount ], which represents a significant financial setback and affects my ability to manage my business/finances.

The unexplained account closure has left me without a critical financial service and has tarnished my reputation in my business dealings.

I kindly request the CFPBs intervention to investigate this matter. I wish to understand the specific reasons behind WePays decision to hold my funds and subsequently close my account, and to explore potential solutions to recover my funds.

Thank you for your attention to this urgent matter. 

Sincerely,
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IL)

I CHECKED MY CREDIT REPORT THIS MORNING AND SAW THAT THERE IS AN INACCURATE ACCOUNT THAT I HAVE NO IDEA OF SHOWING UP ON MY REPORT. Please kindly check the documents I've sent regarding this serious matter.
Consumer complaint received 2024-07-08
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. (TX)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-07-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

- On XXXX of XX/XX/year> I made an international money transfer from my XXXX XXXX XXXX to my saving account in HSBC US. 
- According to XXXX XXXX  transaction confirmation document, the transfer had been completed the same day. 
- As the money did not arrive to my HSBC US account five days after the XXXX, I started a chat with both banks. 
- XXXX XXXX  provided the confirmation document and also a GPI tracker document that stated the HSBC had received and was holding the money. 
- I started a Chat with HSBC with the result that the agents did not have access to incoming money transfer information and also were unable to provide an accountable person email to sort out the issue, instead they provided a phone number that was not effective. 
- On XXXX of XXXX I contacted by email with the US HSBC PREMIER TEAM, they assigned the case to a person to sort out the issue, I forwarded to them the confirmation document attached to this report, I am still waiting for an answer. 
- Finally I call a phone number on HSBC, they open a case a gave a reference number and in the process, the money transfer finally reached my saving account on the XXXX of XX/XX/year> XXXX
Consumer complaint received 2024-07-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC (CA)

Referring accounts with XXXX XXXX Stating account was opened XX/XX/year>. I am being called XXXX a day saying I owe a debt of {$420.00} for unreturned equipment. I stated that I have receipt of returned equipment they stated I still owe the debt. Ive also asked to verify debt and send letter to my home to verify and they have refused to do so.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

I had a Checking account with Chase Bank which I opened online. This account was not associated with my payroll payments since I have another bank associated with them. In the month of XXXX the IRS deposited my Tax refund funds to the Chase account, it seemed appropriate to use the account and make transactions. Upon getting the money in this account I proceeded to make quick payments to my husband 's account but still left funds there in that account. When I checked on XX/XX/XXXX, the bank blocked my account, informing me that I had to call the bank to unblock it. I immediately called the bank where they informed me that my account had been blocked due to unusual activity but that it had already been transferred so that the account could be closed. This surprised me and I told them I have proof of my funds, where they come from and where they go, can I go to the nearest office and fix this? They answered no. What would I call next week? This has been going on for almost 4 months and even when I call they transfer the call from one department to another where they do not give me a solution. My money is withheld, I do not have a good income and that money from the IRS helped me a lot to pay my rent and other things. But I've already been waiting for 4 months and it's getting worse. I already want my money back since I did nothing illegal to deserve this. I need to pay some debts that I have been carrying since then.
Consumer complaint received 2024-07-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Credit acceptance blind sided us and hid the actual interest their charging, we agreed to the loan not knowing they were gon na charge us double interest they are charging us XXXX percent interest then charging us {$200.00} interest each month we pay how are we suppose to pay this used car off if they take each payment for interest the initial price was {$11000.00} and weve paid on it for a year at {$320.00} and we still owe {$10000.00} the lender failed to mention any of this extra stuff when we got the loan and they didnt ever send us our agreement papers explaining the cost they didnt tell us the cost when we got the loan the agreement was 36 months and at the interest rates were being charged we wont even have it paid off in 5 years.
Consumer complaint received 2024-07-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY (SC)

I got a personal loan over a year ago with Wells Fargo. I no longer have the loan documents. I went to the bank to request them. They would not give me a copy. I then called Customer Service 4 times. They have not sent me the loan documents.
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

LVNV funding is actively reporting on my credit report claiming I owe them money. I have requested full validation from LVNV funding asking them to give me a copy of the contract I signed naming them as the creditor, showing they lent me money and my agreement to pay them back what they lent me. In addition, they have violated the Fair Credit Reporting Federal by accessing my credit report and furnishing negative information about me to the credit report agencies without my permission.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (MD)

In accordance with the fair credit reporting act XXXX Account has violated my rights. 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 SECTION 604A. 15USC 1666B please remove all late payments. USC 1637B.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I spoke to Chase Bank and informed them of garnishment dismissal.Rep stated it would take two business days to review documents and my funds would be released on XX/XX/XXXX. He also spoke to XXXX at XXXX XXXX regarding same. I called when funds were not released because hold was visible on my app. They stated they released the funds to court. Court says no they didnt. I went to branch and Assistant manager was instructed to fax said documents and funds will be returned in 2 business days. I called bank to verify receipt of fax only for rep to tell me another story.
Consumer complaint received 2024-07-10
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: U.S. BANCORP (KY)

The US Bank ReliaCard will not allow me to transfer any money out of my US Bank ReliaCard account to any other account. When on the " Manage Money '' page in my account, the " Card to Card Transfer '' in the " Quick Link '' box does not work. In fact, every time I select it, it simultaneously logs me out of my account and opens a new page with the message : " Session Time Out. For your security, your online session has timed out. Please exit this window. ( If you were logged on to your account, please log on again. ) '' No matter how many times I try, this is always the end result. Which prohibits me from being able to move my unemployment compensation out of my mandated US Bank ReliaCard account and into my personal checking and savings account.

I've uploaded documents to my account to show proof of identity, which has done nothing to correct the issue. And have spent upwards of XXXX hours on the phone with the company being transferred over and over and over again, only to for them to hang up on me XXXX hours into the phone call, with no solutions.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (FL)

XXXX report late payment after discussing with them that I was not aware that I have any balance with them. They told me that a membership payment was not receive. I told them that I was sure that my balance was XXXX and that I didnt know that I have a membership. During that conversation I paid the membership and they reporte to the credit agencies as well. XXXX XXXX XXXX. My name is XXXX XXXX. Ss XXXX
Consumer complaint received 2024-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Suttell, Hammer & White, P.S (WA)

Suttel & Hammer opened this case in XXXX, the case was dismissed in XXXX. I received a notice from the clerk 's office stating that this case was dismissed. I received a Writ of Garnishment from my job in XX/XX/XXXX while I was on maternity leave, I reached out to Suttel & Hammer they stated that XXXX canceled the garnishment, so I ended up getting a refund for the amount from my employer. I was under the impression that this was handled. A few days ago I received another Writ of garnishment in the mail and they said nothing can be done to stop this. They couldnt provide any information about this account and they wouldn't allow me to set up a payment play or settlement. I also reached out to XXXX directly and they had no clue what I was talking about.
Consumer complaint received 2022-01-10
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (FL)

I believe that Specialized Loan Servicing LLC used misleading, abusive and harrassing tactics in an attempt to collect more than I owed under my policy. I typically pay {$1700.00} monthly on my mortgage, but they notified me in early XXXX that I owed {$30000.00} by XXXX XXXX due to purported outstanding escrow fees, even though my account was current. I repeatedly tried to point out the error via email and on multiple phone calls with my accountant on the phone with me. But instead of being helpful, customer service representatives yelled at me on the phone and told me that if I didn't pay {$30000.00} by XX/XX/XXXX my account would be in default and my home could be pushed into foreclosure. 

After many stressful days and sleepless nights, I liquidated my assets and pooled what little I had in my savings account to make the {$30000.00} in payment so that my property and home wouldn't be pushed into foreclosure. I also contested the company 's claims in writing that they were incorrect and bogus, and I complained to the company that they had used harrassing, threatening and what I believe were illegal tactics to try to make me pay far more than I was required to pay monthly under our contract. I made the {$30000.00} payment just before XX/XX/XXXX, but as a result, I have very little left to live on during a pandemic and uncertain times. 

The company eventually sent me a letter dated XX/XX/XXXX that they had indeed made an error and I owed nothing more than the {$1700.00} monthly mortgage payment, but it's too little, too late, and I want my money back so that I can be able to financially withstand the economic uncertainty caused by the pandemic. I also believe the company 's actions violate multiple provisions of the Fair Debt Collection Practices Act, and I'm entitled to recover the maximum statutory fine under it. 

As evidence, I've attached the XXXX XXXX letter ( titled " letter '' ) that I received from the company admitting their mistake in calculating alleged outstanding escrow fees. I also attached two notices ( titled " overdue1 '' and " overdue2 '' ) that I received prior to XX/XX/XXXX from the company claiming I owed the company escrow payments. I also attached a document ( titled " amount owed '' ) from the company, which claimed that I owed roughly {$30000.00} by XX/XX/XXXX, and a letter I sent the company ( titled " protest '' ) informing them that an error had been made and requesting all and any information related to my account. Additionally, I attached two XX/XX/XXXX documents from the company ( titled " statement1 '' and " statement2 '' ) that indicates the amounts I paid on the loan and the dates the payments were made.
Consumer complaint received 2024-07-10
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

Collection account XXXX with procollect. 
We closed the lease with XXXX XXXX XXXX  during XX/XX/XXXX, They sent a final bill will incorrect charges on XX/XX/XXXX, I have requested clarification of wrong charges on XX/XX/XXXX ( email attached ). instead of clarifying they have forwarded it to procollect. I sent the same clarification request to procollect on XX/XX/XXXX and never received a response. I got fedup and paid in full on XXXX. 
Despite of these they have reported this as adverse remark to credit beauru which is totally unfair without providing any explanation. It is still reflecting in my credit report. 
involved parties are, XXXX XXXX XXXX XXXX XXXX, email : XXXX, Ph : XXXX procollect : ph XXXX XXXX XXXX, XXXX ; XXXX XXXX
Consumer complaint received 2024-07-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Selene Holdings LLC (UT)

We started an application in XX/XX/year> for loss mitigation. We were told we would have an answer in 30 days. It is now XXXX and I am just finding out that they need an additional paycheck stub but that unfortunately we will have to submit another application. I have called them every week for the last XXXX months and this was the first time I was told they were missing a paycheck stub.
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (MD)

I have sent letters to the credit reporting companies outlining the inaccuracies, errors and violations on their reports and they are stonewalling and my efforts My legal rights under 15 U.S.C 1681 sections 602A, privacy rights has been violated.

15 U.S.C.1681 section 604 A, disclosures and of furnishing stipulations have been violated.

15 U.S.C.1681c ( a ) ( 5 ). Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( a ) ( 1 ) 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 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My account with XXXX XXXX XXXX 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 in 60 days 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 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 8
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I did a consolidation on my credit cards bc of debt, the company I went thru handled the closing of the credit cards and non of them got closed which was not their fault. I even paid an additional {$25.00} dollars to have the money rushed on this particular card and I have been charged multiple late fees, they even pulled the money out of my account the day the payment was due and the day the check was received to close the account. I disputed the withdrawal bc the full amount on the card was paid. 

I also need to understand why all my credit cards are linked to " specialized loan servicing '' without my consent?
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FactorTrust, Inc. (WI)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.