davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

On XX/XX/2018, I applied for a payday loan in the amount of {$1000.00}. On XX/XX/2018, the money was deposited into my account. On XX/XX/2018, I called Cash Net USA and told them I no longer wanted the loan and asked them to take the money back. I was told they could not take the money back and that I would still be charged a {$150.00} processing fee. I then made payments to the account to pay off the {$1000.00}. I made payments 4 payments in less than 30 days well before the amount was due. Even as I made payments, Cash Net USA continued to charge me fees a total of {$330.00}. I don't know how they came up with {$330.00} in fees. I don't owe any fees. If the amount of processing was {$150.00}, they owe me {$170.00}. I ask them to close my account, however, the account is still open. I was told that if there's no activity on the account, it closes automatically. In addition, there's an indication that a payment of {$100.00} is due on the account on XX/XX/2018.
Consumer complaint received 2024-04-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: U.S. BANCORP (TX)

In XX/XX/XXXX my house was totaled during a storm and my insurance paid me out the full policy amount ( {$380000.00} ) to rebuild it. Because I still owe money on the house they made the check out to me and my mortgage bank ( US Bank ). It was deposited in an escrow account on XX/XX/XXXX ( tracking number XXXX ). The first disbursement check for {$110000.00} was send with delay beginning XXXX and I was able to pay the mitigation company and what I owed my contractor so far. Bills were uploaded to the insurance claims account I have with US Bank. Ever since then they refuse to pay the second disbursement. The reason the longest time was that the floorplan was illegible. We uploaded it multiple times in different file forms. We even faxed it as requested. Everytime they said its illegible and that the have to rescan it back in which will take a business day. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX to resolve this issue. Every time the same answer. The floor plan is illegible, they have to scan it back in and this will take a business day. On XX/XX/XXXX I started to threaten with attorneys, demanded to speak to the manager. Then the person on the phone said that he spoke to the manager, he opened a complaint for me ( tix # XXXX ), and that they are sending a check over night. My question for how much the check is he didnt want to answer. It was for {$2900.00}. So I called again on XXXX to complain again and this time they told me that the floorplan was deemed legible and that a check is on the way. This check is for {$11000.00}. I owe my contractor {$60000.00} at this point and can not pay him.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

Chase authorized a check in the amount of {$9900.00} to a person who I did not write the check to. I wrote the check to a company and the check was cashed by somone else with an account with XXXX XXXX XXXX. Chase acknowledges that the payee is different than who I wrote the check out to. However, they are not refunding the funds stating that they are waiting for XXXX XXXX XXXX to refund the funds to them first. Its been over 6 months.
Consumer complaint received 2017-03-21
Product: Credit card — 
Issue: Billing statement — 
Company: TIDEWATER FINANCE COMPANY, INC. (TX)

Tidewater finance has been reporting inaccurate credit information on my credit report and I have disputed their reporting several times only to get nothing resolved. This company continues to violate law and sabotage my credit reporting causing me unfair credit denials because of their updates it appears that I have a current derogatory account which is false. It is federal law that any interest charged on an account is required to send out a monthly statements and they repeatedly change the account owed on my credit and do not send out any statements.
Consumer complaint received 2024-04-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANCO POPULAR DE PUERTO RICO (FL)

Banco Pupular of Puerto Rico increased my monthly payment and they never sent me a notification about it. I called the bank and they said that they can not help me and only by appointment, which has not happened. I believe the bank should tell consumers before any increase of their monthly payments, especially their own insurance. This case, I found out when I was making a payment online that the monthly payment was more. This took place a few months back and I have not receive any notification from the bank. 

Thanks, XXXX XXXX
Consumer complaint received 2023-01-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC (LA)

This account is reporting fradulently and incorrectly. I have requested that Flagship furish documentation, proof of ownership, however they did not furnish documentation to prove that this account belongs to me. I was XXXX XXXX at the time of this purchase. 

I have file the FTC report and provided it to the creditor with no result. 

Please have them remove this incorrect and fraudulent information from my account.
Consumer complaint received 2022-11-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LTD Financial Services, L.P. (CO)

I lived in at this apartment on XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXXXXXX XXXX  ) from XXXX XXXX to XXXX XXXX XXXX on XXXX XXXX when I received my renewal, I didnt sign the renewal because the apartment price was too high, on XX/XX/XXXX, I gave them notice that I m living the apartment on XXXX XXXX which I did. I clean up the apartment, the carpet, sink, and bathroom. I paid all my bills my balance was XXXX when I left. I had {$99.00} deposit, even though I gave them my new address, they never ever contacted me about my deposit until today XX/XX/XXXX a collection company call me let me know they send my to credit report for the amount of {$370.00}. According to the agency they charge me {$170.00} for not give them notice, {$150.00} for left over and {$160.00} for utilities bill. I need help please because all these are lies and made up. They need to show me pictures of trash and mess in the apartment, receipt for the cleaning, which I did clean up the apartment, I gave 2 months notice why charge me? My phone number is XXXX
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (CA)

I have attempted numerous times to remove XXXX collections from my credit report with no luck. The accounts are XXXX, XXXX XXXX XXXX XXXX XXXX, and Midland Credit Management .
Consumer complaint received 2017-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources (NC)

Firstpoint Collections is trying to collect on medical debts that were a result of medical fraud/identity theft. I have disputed the debt with credit bureaus but Firstpoint continues to verify when all they can really do is validate. the debt ca n't be properly validated because it 's a result of fraud. I have sent the necessary paperwork and have submitted the original police report but still no resolve. I 'm filing this complaint as non compliance under the FDCPA and FCRA
Consumer complaint received 2023-08-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (GA)

I made a mortgage payment on XX/XX/year>, which they returned, causing my mortgage to get behind. I made the payment before I left the country on an educational sabbatical. Which would have me out of the country for a month. Upon returning I found out they returned my payment, which has happened several times in the past. At the time of payment my bank account had well over XXXX in it. So there was NO way my payment should have been returned!! I have filed 2 prior complaints against this mortgage company. They have a history of returning payments and making it impossible to submit payments. I want to refinance just to get away from this mortgage company. All this causes late payments on your credit, ending in the lowering of credit scores, which then makes you ineligible to refinance. They then offer loan modifications which cause the mortgage to be extended. Trapping you forever. This mortgage company already has a class action lawsuit against them in Florida. I am attempting to start one here in Georgia. I really need your help as I'm sure hundreds of others do as well. Thank you for your time and consideration.
Consumer complaint received 2023-06-19
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 — Investigation took more than 30 days
Company: T.S. Holdings (GA)

I have wrote several letters to XXXX and the creditor IQ DATA INTERNATIONAL to verify the inaccurate information that they are still reporting to my credit report. It has been over a year and I still havent got a response from them. I have sent certified letters to XXXX on the dates of - XX/XX/XXXX and XX/XX/XXXX. Also sent letters to IQ DATA INTERNATIONAL and they picked it up at USPS on the dates of - XXXX XXXX and XX/XX/XXXX Upon this date of XX/XX/XXXX they still havent respond to verify the inaccurate account that is reporting on my credit which is IQ DATA INTERNATIONAL. Please delete this item - IQ DATA INTERNATIONAL - from my credit report as soon as possible. There was no real investigation on both their parts and still havent respond for a whole year and a half with verification. Federal law requires them to respond within 30 days yet haven't responded for a whole 365 days plus. XXXX is going against my consumer laws for still having inaccurate items reporting to my credit report One of the few laws they failing to abide by [ 15 USC 1681E ] and again they STILL HAVE NOT RESPONDED FOR MORE THAN 365 DAYS which is CLEARLY breaking the validation law so I am in the process of suing them for defamation of character. 

Copies of my letters and receipts to both XXXX and IQ data international will be attached please look at the dates PLEASE DELETE IQ DATA INTERNATIONAL FROM MY CREDIT REPORT.
Consumer complaint received 2022-10-27
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. (FL)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2023-02-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NJ)

About 7 years ago someone stole my wallet with my bank card and social security card in it. I was banking with Wells Fargo at the time and I reported it stolen, the person tried to pass a bad check and Ive been on the XXXX XXXX list ever since & Ive even paid money back to the bank and still havent been allowed to open a account, every bank denies me and XXXX XXXX  even let me open a account about a year ago I had it for 2 weeks I received a deposit from my job and they still ended up closing it because of this fraud that took place my identity was stolen
Consumer complaint received 2015-11-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Talbot, Adams, & Moore, Inc. (NC)

Debt collection is reporting same debt info to collection agents again and again. I paid complete amount and removed from the report last year but again they reported on XXXX 2015.
Consumer complaint received 2023-02-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Deposited a check by mobile deposit on XX/XX/2023. After funds were issued to my account on XX/XX/XXXX I withdrew money on XX/XX/XXXX in morning. Then. That evening I noticed my account was negative and theres was no longer any sign of check being deposited I immediately went to bank XX/XX/XXXX to see what was going on. Upon looking into situation manager was XXXX. We could see deposit in my deposit history but it was completely gone otherwise. At this point he told me to call XXXX number because he didnt know what to do. I called number and was put on hold for an hour and a half. All three representatives had no idea what to do so an investigation was started. On XX/XX/XXXX I was contacted by investigator who said he could see where check was deposited but file must have deleted but he could see check image and had no idea what was happening He said money would be deposited now today XX/XX/XXXX I still have no money deposited. So I called again to be put on hold for over an hour. Finally when talking to representative who had no idea what to do and could not get any answer from technical department told me to redeposit the check. When I asked for his name he hung up. Ive had this account at Citizens for will over 10 years. This is a business account and money is for customers material
Consumer complaint received 2023-02-17
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XX/XX/XXXX
Consumer complaint received 2023-02-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (NY)

I contacted Midland Mortgage in XXXX, during the XXXX XXXX, to inform them I was unable to work due to economic shutdown. I was approved for a program that put a hold on monthly mortgage payments. 

However, that program expired after a certain time period and I was informed all of the back payments were due to be paid. 

Unable to pay arrears to bring the loan current, I applied for a loan modification program to re-finance the mortgage. Unfortunately, I became XXXX  and no family member could afford to make the initial instalment required to process the modification. 

Unable to process the 1st loan modification, I later re-applied for a 2nd but Midland Mortgage refused to process the modification until XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments were received with the paperwork. 

In order to " get ahead '' of the required modification instalment, I applied for a 3rd loan modification and was recently denied due to the property being vacant.
Consumer complaint received 2023-05-10
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. (IN)

I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC. (FL)

Complaint # XXXX. This is our complaint on file with your agency. I received an email today stating you are passing it to the OCC. I already tried to file a complaint with the OCC and they would n't take it as the lender is a mortgage company and NOT a bank and referred us to you. This is beyond frustrating!
Consumer complaint received 2023-02-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (WI)

This complaint is related to complaint # XXXX providing additional info. 
I ended up closing related CD account because of not paying correct interest of which they have not resolved yet. 

I was charged {$920.00} plus not pd correct interest on acc This is clearly a bank error that they do not know how to solve
Consumer complaint received 2023-06-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (GA)

TrueAccord has violated the FDCPA pursuant to 15 USC 1692C. The debt collector has communicated with me through text messages on several occasions even after I informed the debt collector that I refuse to the pay the debt. I am seeking a {$1500.00} dollars per text message ( communication ) under Telephone Consumer Protection Act. I never provided consent for TrueAccord to communicate and harass me via text message. This is a violation under the Telephone Consumer Protection Act. I stated I refused to pay the debt pursuant to 15 USC 1692C under the FDCPA and TrueAccord continued to send text messages harassing me about the alleged debt. TrueAccord has caused me XXXX XXXX and engaged in harassing behavior. TrueAccord is responsible for compensating me immediately for damaging my mental health and causing distress in my life. 



Please pay the amount of {$33000.00} which is {$15000.00} per violation ( text messages sent without my consent and served as harassment ) under the Telephone Consumer Protection Act. Twenty-two text messages were sent after I informed TrueAccord I refused to pay the debt. If this matter is not settled, I will proceed with a lawsuit under the FDCPA and TCPA in which damages may be higher.