davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (FL)

I am interested In processing disputes on my credit report to delete a report all inaccurate information that needs to be delete to correct my file. Ive we noticed alot of errors that are hindering my credit report a Needs to be removed asap. please review a delete all items listed to correct the file asap. I spoke to Comenity bank on XX/XX/23 on behalf of XXXX and I gave them all the necessary information and also advised I am a victim of identity theft I closed the account that same day and I was advised they will follow up and never did I'm getting negative reporting my my credit and this needs to be addressed
Consumer complaint received 2024-01-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (OH)

When i 1st obtained this loan, i was offered an introductory rate and term so that it coukd be paid off early, instead of the 5 years that they wanted. I never got any paperwork from the loan company for approximately 90 days. I had to contact them in order to get the loan contract with the terms and due date for payments!!!! Now that I've had this loan for over a year, and have even paid extra payments, they are now stating that my introductory term is now void because of past due payment ( s ). I've sent them payments ahead of time thinking that would put me ahead on my payments, and when I spoke to them about this they simply stated that they only process payments within certain days and if you send an extra payment in, it knly goes toward that payment, not the next payment or any other future payments. They also keep changing the due dates on the payments and fail to record payments that i have sent.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CO)

My father died in XXXX of XXXX and after probate was finally coming to a close, the personal representative wrote me a check from my late fathers Estate account with Chase dated XX/XX/XXXX for {$32000.00} and had it delivered to my attorney. I picked up the check and deposited it the same date XX/XX/XXXX into my personal account at my local Chase branch who let me know that the money would be available in a few days. On XX/XX/XXXX my personal and Chase and my Business account with Chase was restricted. Chase re-directed my inquiries to their Fraud department multiple times and after subsequent calling over many days, I learned that Chase did this because the check maker could not be verified with an outgoing phone call that is registered in the name of the check maker. Chase has informed me that they will not accept any documents or the makers physical presence in a chase branch to verify her as the maker of the check and that only the outgoing phone call to a registered number under her name would suffice. Chase informed me that they would eventually suspend my account and close it, which they have done. They informed me that they will keep my money for an average of 3-4 years before releasing it the state of Colorado. The bank has taken my money because they refuse to verify the maker of the check in any other reasonable way. I cant see how a publicly registered phone number in someones name is more credible than the actual human person standing in front of the institution with proof of identification. The elderly widow and maker of the check has been to her local Chase branch at least twice to fix this and will not register a phone in her name in order to satisfy the Fraud department. Chase is wrong to keep my inheritance over internal policies. Chase is able to know the check is valid and the maker is legitimate and is choosing to keep my inheritance because a Fraud department employee said they have a right to do this to me.
Consumer complaint received 2024-01-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (FL)

XXXX XXXX XXXX : I mailed paid in full check to Bridgecrest XXXX XXXX XXXX : I called to verify the check was received. It was confirmed they received the check. 

XXXX XXXX XXXX : I called to inquire about my vehicle 's title and was told the Lien Release document was mailed and I am to take that form to the DMV to obtain my title. I made it known I have never received the document. I then asked if i can have it emailed, I was told they couldn't email it but she put in a request to have the doc re-mailed to me and it should arrive 3-5 business days. 

*XXXX  XXXX XXXX : I called again because I did not receive any documents from Bridgecrest XXXX This time I was told the same thing that they will put in a request again, but this time I was told it would take up to 10 business days to receive. 

They've verify and confirm my address with me each time, none of my information such my address has changed since the life of the loan.
Consumer complaint received 2018-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (VA)

I am a recent graduate of XXXX XXXX  University with degrees in XXXX  and XXXX XXXX. Upon looking for a job, I submitted my resume to XXXX. Approximately three months later I received a legitimate email including a questionnaire inquiring about the type of work environment I would be looking for and my target salary. Less than a week after this legitimate email ( ending inXXXX ) I received an email from someone posing as a " XXXX XXXX XXXX '' who I researched to be the director of HR at XXXX. She held a " soft interview '' on XXXX hangouts with me - asking similar questions to the questionnaire I had received prior. Then I was asked to scan my signature on the " acceptance of employment '' letter and email it back to her. The job was to start in two weeks from the false notification of employment in XXXX XXXX, Va, where an actual branch of XXXX is located. The next day " she '' sent me a " start-up check '' for {$1800.00} to purchase scheduling software that would go on my " work computer. '' The software was called " XXXX '' and " XXXX '' which she said could only be purchased through XXXX. I researched the software and the cost matched with the amount of money I was sent via check. The check deposited into my account ( for the full amount ) so I had no reason to doubt the legitimacy of the job offer. I purchased XXXX credit with the money I was sent and emailed the information to the person who instructed me to do so. I was told this credit would be used to put the software on my work computer. This check cleared on a Wednesday. After I purchased the software credit, I sent it to them and the check bounced on that Friday - leaving my account at - {$1800.00}. This is when I realized the job offer was a phishing scam. Because the check deposited to my account and I was given access to the full amount of funds in 24 hours, I blame PNC Bank for allowing a fraudulent check to be deposited in my account before it cleared. If they had done their job : the service of validating and safeguarding financial assets, this issue would never have occurred.
Consumer complaint received 2024-05-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Consumer Portfolio Services, Inc. (OH)

To Whom It May Concern, I am writing to formally file a complaint against Consumer Portfolio Services ( CPS ) regarding their ongoing harassment and failure to acknowledge my XXXX XXXX bankruptcy filing concerning my XXXX XXXX XXXX. 

In XX/XX/XXXX, I filed for XXXX XXXX  bankruptcy, which was subsequently approved as of XX/XX/XXXX. As part of the bankruptcy proceedings, my XXXX XXXX XXXX was included in the filing. Despite this, Consumer Portfolio Services has persistently contacted me about late payments. Moreover, they have been harassing my family members, who are not aware of my financial situation, in an attempt to locate me. This conduct is not only distressing but also illegal under consumer protection laws. 

I request that the Consumer Financial Protection Bureau take the following actions : Cease and Desist Telephone Communications : According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c, a consumer has the right to request that a debt collector cease communication. Therefore, I demand that Consumer Portfolio Services cease all telephone communications immediately. All future communications should be conducted in writing. 

Acknowledge Bankruptcy Filing : Consumer Portfolio Services must acknowledge the inclusion of my XXXX XXXX XXXX in my XXXX XXXX bankruptcy filing. The continuous attempts to collect a debt discharged in bankruptcy are in violation of the Bankruptcy Code, specifically 11 U.S. Code 524, which enjoins creditors from attempting to collect discharged debts. 

Prohibit Third-Party Contact : It is also a violation of the FDCPA, 15 U.S. Code 1692c ( b ), to contact third parties ( such as family members ) regarding my debt without my explicit consent. I demand that Consumer Portfolio Services immediately cease any form of communication with my family members or any third parties regarding my debt. 

Request for Financial Reparations : Due to the distress and anguish caused by Consumer Portfolio Services ' actions, I am requesting financial reparations in the amount of {$1000.00}. If this matter is not resolved satisfactorily, I may be compelled to file an official judicial request against the company. 

I have attached copies of my bankruptcy filing and the relevant court documents for your reference. I request that the CFPB investigate this matter and ensure that Consumer Portfolio Services complies with federal laws designed to protect consumers from such harassment and unlawful debt collection practices. 

Thank you for your prompt attention to this matter. Please confirm receipt of this complaint and keep me informed of any progress regarding this issue.
Consumer complaint received 2024-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERISAVE MORTGAGE CORPORATION (CT)

I received a lower homeowners insurance quote from XXXX XXXX, I've been attempting to switch from my current company, XXXX XXXX, however, the information including binder sent from XXXX has not been replied to, no payment sent so new policy can not go into effect. A total of two binders have been sent thus far according to XXXX, rep with XXXX XXXX, no reply to either. I am attempting to switch before next mortgage payment due on XX/XX/XXXX, my mortgage company, Amerisave, does not appear to cooperate. I need payment issued ASAP for new policy
Consumer complaint received 2024-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

I XXXX XXXX made payments towards my mortgage and a number of my payments were put in a unapplied / Suspense account. I requested HSBC Research Dept to send me statements and payment history. HSBC Research dept sent the information but the information was scattered all over the place on the payment history sheets. I'm requesting HSBC send the information in the following format. The Heading should state the year and underneath it should have the following rows : Year / mtg amt / mtg paid, /Principal balance/ interest payment / Deferred amt / Escrow amt / Ins. & taxes/ any fees / Payoff figure for mtg. The left hand columns should have the months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX HSBC Research should fill in the information for each month. I'm requesting this information for the following years : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The format that I have requested should assist me in resolving this issue. I have asked HSBC Rep, Why the information changes with each call. Providing the information in this format will assist me!
Consumer complaint received 2024-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (DC)

I purchased my home in XXXX and financed with Wells Fargo. I refinanced my mortgage loan with Wells Fargo in XXXX, but I did not escrow. My mortgage payment was {$1900.00}. I requested that my mortgage be escrowed on or about XXXX. My mortgage increased to {$2600.00}. That was a substantial increase. However, in XXXX, my mortgage increased to {$2800.00} due to an increase in my mortgage insurance from approximated $ XXXX {$3000.00} up to over {$4000.00}. The increase caused a hardship. I got behind on my payments by 3 month due to the {$200.00} increase. I paid 2 late payments and I now I have to pay one more. However, Wells Fargo sent a projected shortage in escrow of {$29000.00}! I have no idea of how they calculated such a huge shortage. Wells Fargo projected my mortgage insurance will increase to {$15000.00}, but my mortgage insurance is {$3800.00}. Wells Fargo also has calculate an escrow shortage of {$7900.00} and added that to the insurance and property taxes. I have no idea of why there is such a huge shortage. Well Fargo wants to increase my mortgage is {$4600.00}. There is no way I can afford to pay an additional {$1700.00} each month. I have never seen a mortgage increase from {$1900.00} to {$4600.00}. I have a fixed interest rate of approximately 6.5 %.
Consumer complaint received 2024-05-25
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Resurgent Capital Services L.P. (PA)

I have never done business with LVNV FUNDING LLC. I have never authorized LVNV FUNDING LLC to use nor trespass on private property. {$2500.00} due now for trespassing, copyright infringement, and unlawful use of private property without official consent. Delete all records associated with XXXX XXXX and/or XXXX XXXX XXXX including account numbers XXXX. make all checks payable to XXXX XXXX, mall to address on file.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc. (MA)

Hi, I have sent the individual Explanation of Benefits ( EOB ) through fax and mail about 2 weeks ago. But I can not get a confirmation from you to prove that those documents were received. No email option was provided by Remex so there was no way for me to have the electronic proof for sending those evidence. Thus, I am sending these EOBs through CFPB and you can see there are two EOBs missing in the ledger of XXXX XXXX XXXX, which contributes to the falsely claimed owed amount. It will be ideal if you can contact me through email so that we both have the electronic record for future. Thank you for understanding. 

Sincerely, XXXX
Consumer complaint received 2024-01-29
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AR)

XXXX XXXXXXXX XXXX which is managed by XXXX XXXX has reported an incorrect balance to XXXX XXXX XXXX and provided them with inaccurate documents regarding a balance owed. XXXX XXXX filed eviction on me XX/XX/XXXX, the statement and documents provided to the courts was false and the rent ledger was inaccurate. I had photos of money order payments she claimed wasnt made. Past due rent from XXXX and XXXX was issued in a form of check by Covid relief program. A payment from XXXX of XXXX was stolen from the drop box at the rent office. XXXX refused to file a police report but showed me video of the theft and informed me I wasnt responsible to double pay. Prior to our court hearing I attempted to speak with XXXX XXXX about the errors and which she failed to communicate. I also was in contact with her boss the regional XXXX XXXX XXXX via phone and email about the situation. In which she claimed to look into the matter but communication stopped once I contacted someone over her. At the court proceedings the attorney that was present with XXXX informed the courts that he wasnt addressing past due rent but the unlawful detainer because I was still in the property. I was scheduled to move in XXXX but ending of staying until XXXX due to XXXX XXXX actions. I lost my new apartment because she wouldnt return the reference letter. XXXX allegedly told her not to accept any payments for XXXX because eviction had been filed.
Consumer complaint received 2024-05-25
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Wilber and Associates, P.C. (WI)

Renovating an upstairs of a house that had the apartment number listed on first floor and having the first floor tenant impersonate me and then try to manipulate how i mentally felt about emotions led to a harsh landlord eviction. Playing on me having previous studying completed on XXXX and XXXX I felt that inaccurate comments were made towards me to be a passive beggar to the landlord. The upstairs property felt owned. And had XXXX into XXXX screws tied into walls without purpose removed from a proprietary sense of belonging to the place. Neighbor was building an addition and I felt compelled to fix the upstairs proportionally with the new side of his house, to stay in line with the neighbor. Maintaining the competition within property management in area was important to me. Closet was close to being reconstructed. XXXX families also in neighborhood made the scene feel like I needed to be a little less than myself to really fit in to the picture. Landlord was facing issues after basement remodel. Explained I had to leave, through an acting persona. Previous tenant had restaurant style table and setup in upstairs. That was a felt out apartment. This was an actual property that I spent time in. XXXX corporate was a fine location for my employment and I am seeing concerning XXXX posts concerning this twist of being booted. Being a XXXX  XXXX enthusiast on life and moving up and out into new molds projected me to an accurate point of being partially respected. XXXX the need to maintain that for the community. XXXX was never given back. And was charged monthly for emotional support XXXX and XXXX. Applied to the XXXX in XXXX. High sense to maintain self in a higher achieved aspect sense then.
Consumer complaint received 2024-01-28
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (NC)

I returned some items on XX/XX/XXXX. I wrote to the company on XX/XX/XXXX ( because it was not showing up as a credit on my store credit card ( where the items were purchased from ). 
The response I received was that they did receive the items at their return processing center on XX/XX/XXXX BUT the return process may take XXXX to XXXX business days to complete. Then, it typically takes another XXXX to XXXX business days for your refund to be processed back to the original payment method you used when the order was placed ( which was their own store credit card ). 
So they received the return items on the XX/XX/XXXX but it will take up to XXXX business days for me to get the credit ( XX/XX/XXXX ), on their own store credit card, which means this will pass the due date on my statement by 7 days. 
This is a ridiculously long time to wait for a credit on the items that I no longer have in my possession, that they do have in their possession AND will cause me a financial issue if I do not receive the credit in time ( it is the full amount of what I owe ). They said that I can pay the balance and then when the return clears their system I can request that they return the money to me but I would imagine that will take numerous days to receive based upon their processing time with a return.
Consumer complaint received 2024-01-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I have tried to use this prepaid Visa gift card at several retailers, in person and online, and the card is declined every time. I called the issuer and there was no resolution for how to get it to work. The card still has the full balance available.
Consumer complaint received 2024-01-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (FL)

I CONTACTED SANTANDER FOR A REPOSSESION THATS SHOWING UP AS A SANTANDER CONSUMER USA- ( CHARGED OFF ACCOUNT ) WITH A Balance OF {$18000.00} FOR Acc # XXXX.THIS VEHICLE WAS SOLD SHORTLY AFTER THE REPOSSESION.
Consumer complaint received 2024-05-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and receive this validation. Additionally, California Civil Code Section 1788.18 ( Rosenthal Fair Debt Collection Practices Act ) and California Civil Code Section 1785.25 ( a ) provide further protections and require accurate reporting and fair collection practices.

As LVNV FUNDING LLC has not met these legal requirements, I request that the Consumer Financial Protection Bureau investigate this matter. Specifically, I ask for : 1. An investigation into the practices of LVNV FUNDING LLC concerning their failure to provide the legally mandated validation and verification of the debt.

2. If LVNV FUNDING LLC can not provide the required proof, I request that this collection account be removed from my credit reports with all three major credit bureaus.

3. Appropriate action against LVNV FUNDING LLC to ensure they comply with federal and state debt collection laws in the future.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc. (AZ)

ticket # XXXX Prosper has blocked my card and account, and upon calling and speaking with representative XXXX, I was told theres a security hold due to suspicious activity. Ive barely used the card and have only attempted to add my card to XXXX XXXX. Over the past few months of having the card, Ive experienced countless issues, from my credit limit being cut in half out of nowhere to card blocks after transaction attempts. Im now being told a ticket had to be submitted to an internal team and I will hear back within 24-48 hours. These are ridiculous and unethical business practices from Prosper. I need my card and account reinstated immediately.