davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

I am resubmitting a complaint I made before since I believe I made it a little too complicated before and since then after speaking to attorney 's and doing research I confirmed that my rights were being violated by Discover Financial Services and I didnt point out how. 

I will include the same written documentation that I did before but this time perhaps your agency can see my complaint more clearly. 

This is SO easy to resolve. Discover is claiming that in XXXX of XX/XX/XXXXwhen I applied for a credit card that I VOLUNTARILY signed up for their propietary service Discover Protection Service. I am claiming that I did NOT. 

Due to this misunderstanding my credit score has gone down 100 + points. I am asking them to simply provide me with that original application with my Esignature that shows that did indeed sign up for this. They refuse to. They say its NOT possible. I know that is false and they are violating the Fair Credit Protection Act. 

They basically want me to sue them to get it and thats NOT fair. They know I am up against their attorneys and it will be very expensive to get that info so they figure Ill just settle and pay. Look IF there is a mistake and I did by mistake check off something that signed me up for that than I will have to live with my mistake and work out a settlement with Discover. 

But I have the right to see with my own eyes that application. I have spent 16 months overall dealing with this and countless hours on the phone and writing letters. Why am I getting the run around? With technology now a days there is no excuse and they could have provided proof to me 16 months ago. 

They keep saying '' I have not provided any new information " I am NOT the one that needs to provide new info THEY ARE.. What info do they need? They hold the cards I simply need someone to intervene and mediate this simple as that! 

I am reattaching my letters, I am sure you can sense the frustration I am going through
Consumer complaint received 2020-08-05
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Collection Service of Nevada (NV)

In or about XXXX, as assumptive debt creditor, Collections Service of Nevada obtained a judgment against my wife and me together for a single claim arising out of a claim made for our joint tenancy of a pre-XXXX XXXX NV corporate-managed rental. 

Subsequently they engaged the Sheriff of XXXX County, Nevada to garnish all relevant amounts, which said Sheriff regularly did, to absolute completion months ago. 

Nonetheless, XXXX/XXXX XXXX/XXXX  continue to report re same CSN issue that A ) not XXXX cent of judgment has been paid ; and B ) per CSN, we have been suppressing our whereabouts from public discovery since at least XX/XX/XXXX to date of any new inquiry. 

Now, even my wife has contacted the said CRAs to inform them our unbroken tenancy since XX/XX/XXXX to date ( used for IRS, XXXX, voting, et al ) has been at the same property as where originally served with Court complaint ; in fact, the premises at all times has been owned/managed by a member of a prominent NV family ... his grandfather was a Governor, his step-brother is the current XXXX XXXX Attorney, and even the woman attorney for CSN ( plaintiff ) was then President of the XXXX County Bar Association and 10-year top assistant to the said City Attorney when he was a XXXX XXXX ; surely repeatedly directed to our lessor, CSN would have no trouble correcting its CRA position that we are suppressing our whereabouts since some point in XXXX ; surely by now also, CSN is in receipt of all funds et al collected in totality by the XXXX County Nevada Sheriff. 

Since nothing my wife and I have yet done is able to militate CRAs or CSN to correct such amount still due/have never been found errors most harmful to our attempts to get verification of residency via CRAs only, and harmful in casting us as people who still owe them money, I am submitting this complaint to CFPB for assistance.
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

There are duplicate accounts reflected on all three credit reporting agencies, balance history inaccurate dated XXXX, XXXX, XXXX of 2020. They have also submitted a new account, that is okay.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Checked my credit report and it appears that there is inquiry of the company that I did not authorize to be ran as many times as it did. I Reported it and I did not provide express authorizationXXXX 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 2020-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (IA)

had a XXXX dollar fraudulent charge from XXXX and XXXX that I would not pay. they PNC credit deemed the charge was fraud and removed it from my bill. Since then I have done everything requested and made the payments requested and they now have a XXXX late fee on my account ... My credit history is flawless and I have paid my account in full every month for over XXXX years. Never late ... I don't even know where this late charge is coming from. Sanctioned stealing by PNC should not be allowed..
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

My complaint is about Wells Fargo Home Mortgage and Wells Fargo XXXX XXXX. 
I applied for forbearance and deferment in XX/XX/2020 for 6 months on both my home mortgage and my equity line that was offered to me by Wells Fargo. They told me that both loan payments would be deferred to the end of my loans. ( Files Attached ). Now they are saying that neither loan qualifies for deferment to the end of each loan and I have to start making missed payments or my home could be subject to foreclosure. 
In early XXXX, I started getting statements on both loans that said that I would have to start making the " forbearance '' payments on both loans or I could lose my house to foreclosure. 
I called Wells Fargo Home Mortgage to discuss this and reiterated that I was told in a recorded conversation that both loans would be deferred. The representative that I spoke to told me that my XXXX mortgage loan was sold to an investor, and the investor is now insisting that I bring my loan current. I said that my agreement was with Wells Fargo and not an investor and that it was their problem. 
I was told that the equity line was a " warehouse '' loan and didn't qualify for a deferment. 
I blew a gasket and was given the number to the " executive office. '' I called and spoke to a woman there and told her what was going on. I asked her to listen to the recordings that offered me forbearance and deferments on both loans. She told me that my case would be assigned to a case manager. 
My case was assigned to XXXX XXXX. He left me a message the 2nd week of XXXX that they were still investigating and someone would get back to me by XX/XX/XXXX. On that date, I was called and spoke to XXXX XXXX, my new Case Manager. He told me that they were still investigating and would get back to me with an answer by the end of XX/XX/2020. 
Today, XX/XX/XXXX, XXXX XXXX called me to tell me that they were going to refer me to the XXXX XXXX Department to figure out how to make the " missed payments '' or how to liquidate my property. He said that because I was one month late on my home mortgage and equity line that they could not defer my payments. ( I brought both loans current in XXXX. ) When I told him that this was never part of the recorded discussion, he told me that was all he could do. I asked to be transferred to his supervisor, XXXX XXXX, and am awaiting his call.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

This complaint is being filed against Citi Bank ( specifically credit card division ). I have a late payment fee in the amount of : {$28.00} assessed on my account, ending in : XXXX. I spoke with CS ( based in XXXX! ) via chat today, and they declined to waive it on the grounds that another " late fee '' was already waved on the same account in XXXX this year. I explained to the agent, called XXXX ( yes, XXXX ), that that " other '' late fee was due to a technical glitch on the side of the bank ( just like this new fee ; I will come back to it in a moment ). At the beginning of this year I reported a LOST Citi credit card. So I received a new one, with a new number, ending in : XXXX. I did make a TIMELY payment on that account, but it was under the OLD credit card number. Therefore, it was Citi 's responsibility to " transfer '' ( so to speak ) my payment on to the NEW card ( new card number, but the SAME account ). Now, about this NEW late fee. I did make a payment this time around a few days after my due date ( that's true! ). HOWEVER, I did attempt to make that payment on its due date. I have 2 Citi credit cards and they have the SAME due date. Therefore, it makes NO SENSE that I will pay only one card, but not the other, and thus risking being charged fees. Besides, my balances are rarely large. I was NOT allowed to make a payment on card XXXX because the web site would NOT allow me to make a payment selection. The selections are always : minimum payment, remaining balance, etc. In my case, those options were " blocked '' ( grayed out ) and there was a message that said something along the lines of " no payment was required ''. I knew that was odd but there was nothing I could do about it. Does Citi think that I've concocted this story?!? Because I've been a client for more than 10 years, and I would not appreciate anyone questioning my integrity. I am not going to pay this late fee because I remember very well what happened recently ( described above ), just like I remember very well what happened back in XXXX of this year. Thank you for your attention.
Consumer complaint received 2020-10-01
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. (FL)

Hello After reviewing my results from the dispute, you guys did. I notice a hand full of inaccuracies on the result report. I have attached the supporting documents and circle the incorrect items XXXX  XXXX XXXX  : Acct # XXXX You guys stated that the original balance on this account was {$12000.00} but on the results the balance changed to {$11000.00}. You guys also stated that before the dispute that during the months of XX/XX/2019 I paid on time but on the new results that changed to 30 days late which is inaccurate.
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

My name is XXXX XXXX. I have a XXXX XXXX XXXX with adequate income from a XXXX and XXXX source. I began applying for a refinance with Loandepot on XX/XX/2020. I was told by the sales person XXXX that it would take XXXX weeks to close. I interviewed XXXX other companies. As of XX/XX/XXXX the loan had not closed. The loan processor XXXX, would ask me for information multiple times .... the same information. I got the impression that she was either incompetent or overburdened with too many loans to process. Originally I asked the sales person to contact me with the loan progress and anticipated close date ... His response was that he was too busy. So after a month I began to call XXXX and XXXX with those questions once a week on thursdays. Eventually they didnt answer my calls or return my phone calls. As of XXXX XXXX was still asking me for information previously provided, to give to the underwriter. I discontinued the process due to frustration and anxiety. 
Complaint : I believe I deserve a timely conclusion to my application, and not to be strung on like a fish. If there were problems, they should be communicated to me so that I could move on. Instead, The process caused me mental anguish, and financial harm. I lost my appraisal fee, my application and credit check fees and loan payoff fees, and I lost the timing on the interest rates. I am now refinancing at a higher cost, and paying new fees. I understand its busy, But this ( and all ) mortgage companies have the responsibility to stop taking applications if they can not fulfill their obligations in a timely manner.
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NY)

Our TD Bank mortgage payments were paused without our consent.

I initially called TD Bank in XX/XX/2020 to inquiry about their specific terms offered to borrowers of residential mortgage loans under the federal CARES Act. 

I did not accept the terms that TD Bank offered and decided not to participate in the program. 

My wife and I continued to make all loan payments. 

On XX/XX/XXXX, we were notified for the first time, via letter from TD Bank that stated there was a Forebearance Plan on the loan and that it was being renewed. 

The letter indicated that the Forebearance Plan was placed on our loan based on the bank 's evaluation of our " incomplete loss mitigation application ''. Per this admission no application was completed, yet our loan was placed into forebearance against our wishes. 

Placing our account in an unwanted forbearance has harmed our credit reports by making it seem as though we aren't making required payments, when we have been. This may also prevent us from refinancing the loan to benefit from low interest rates.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Equifax keep reporting My account with XXXX XXXX XXXX XXXX as 30 days late in XXXX of XXXX. In XXXX of XXXX, the company contacted XXXX  and Equifax to correct the error as i was not thirty days late. Equifax corrected the error then just recently reported again as thirty days late in XX/XX/XXXX. As a result my score has dropped from them re-reporting this error.
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (FL)

Ordered XXXX XXXX on XX/XX/18. Was told for {$19.00} I could get internet. During the installation the installer tried to install the wifi component but could not get an internet signal. He apologized and informed me XXXX did not offer internet in my area. he also informed me that without internet I would not be getting some of the services I was paying for. I didn't realize it at the time but that was about half of the programming and movies the salesman XXXX XXXX had used to get me to order XXXX XXXX. This meant that I now had less programming and inferior service due to Mr. XXXX false information. 
After having the system for a month I found the equipment to be inferior as well. I called the XXXX repair dept. and was told that the new XXXX equipment had some bugs and they were working on improving their equipment. Nothing was improved for the next 30 days and I was getting frustrated with the remote not working the inefficient XXXX properly, plus the programming was insufficient for what I had contracted for. After numerous calls to XXXX over the two months service, with no solutions to the problems with XXXX XXXX  equipment I decided to cancel my contract on XXXX XXXX, after paying one month of the two. they sent the return packaging and I returned the equipment. In about a week I recieved a bill for {$600.00} for penalties for early disconnect and the second months service. I have tried to explain that the contract with them was contingent on having the internet that I was told I would have and that without it their equipment was inferior and the programming insufficient, they have not responded but in turn have sent a collections agency to try and extort the payment from me. The collection company is Enhanced Recovery Company, XXXX XXXX.
Consumer complaint received 2024-01-20
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 am writing to dispute the following items on my credit report XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX )
Consumer complaint received 2022-11-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (OH)

I recently requested that the office of Cavalry portfolio Service provide me with competent evidence that I have a legal obligation to pay this company. They were unable to validate said account and I have sent two written request asking for the negative marks on my credit report taken off as for they are reporting to the 3 major Credits bureau 's this action is constitute fraud under both Federal and State Law and they violated the Fair credit reporting act. they violated the fair debt collection practice act in addition to defamation of character.

This company is still in violation of harassment once a written request that no telephone contact be made by the company or the office attempt to telephone commutation with me. Company also failed to provide license number and registered agent or agent of service. a long with a license to collect in the state of which I reside.
Consumer complaint received 2022-11-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (PA)

On XXXX XXXX, 2022 my husband and I became aware that someone applied for two loans in our names from Upgrade.com and deposited the proceeds into our personal checking account. We contacted the company that day to inform them this was not us and we had become the victim of identity theft ; also filed a police report. Two loans were obtained - {$12000.00} & {$13000.00}. The proceeds for the loan of {$12000.00} were fully deposited into our checking account. The loan for {$13000.00} was split ; {$6500.00} was deposited into our checking account while {$5000.00} was used to payoff a XXXX credit card and {$1000.00} was used to payoff another credit card - neither of which belong to me. We were requested to supply Upgrade w/copies of our color photo Government issued ID, police report and copies of two months of bank statements as part of their investigation. We complied with their requests. After numerous phone calls, emails and endless conversations that have gotten us nowhere, we're asking for resolution regarding this matter. We want to return the funds that are still in our checking account, not be held liable for the funds that were used to payoff credit cards belonging to another individual, and have the account completely removed from our credit report. 

Unfortunately the lender has not cooperated after numerous requests to speak with somoeone in the fraud department to discuss this ongoing investigation. They have told us they will not resolve the investigation until the money is returned. Having been the victim of identity theft, I am very apprehensive to return funds without knowing that I will not be held responsible for a debt that I did not apply for.
Consumer complaint received 2022-11-09
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: Convergent Resources, Inc. (TX)

Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. 

Concerning : Account numbers : XXXX I asked you to authenticate my debt in accordance with the Fair Debt Collection Practices Act, but all you sent me was an itemized list of the alleged sums. This violates FTC debt validation requirements. 

In XXXX XXXX XXXX, the Indiana XXXX XXXX XXXX ruled : 1692g ( b ) ( emphasis added ). XXXX ' attorney XXXX sent XXXX a letter on XX/XX/XXXX, 19 days after XXXX 's debt collection letter, saying XXXX " disputes your debt collection-related claims, rejects them, and requires strict proof and verification. '' XXXX. After receiving the letter, XXXX should have halted debt collection. XXXX violated 15 U.S.C. 1692g by securing a default judgment against XXXX before mailing her proof ( b ). 

XXXX argues no FDCPA violation happened because he " gave sufficient documentation of the debt [ to XXXX ] '' XXXX Response XXXX argues that an attached copy of XXXX ' consumer credit contract with XXXX XXXX is sufficient proof of the obligation under 15 U.S.C. 1692g ( b ). Nope. 

The contract lacks debt proof. The publication reveals XXXX ' loan, including the 17.99 % yearly interest rate and {$2500.00} total amount. The loan agreement contains no record of XXXX ' payments, the dates of those payments, the accrued interest, or any late penalties after she ceased making the mandatory installments. 
When XXXX sent the debt collection notification, the outstanding contract total was {$350.00} more than the original loan amount. XXXX violated 15 U.S.C. 1692g ( b ) by failing to get a default judgment against XXXX after XXXX contested the obligation but before XXXX mailed XXXX documentation of the debt. The trial court 's summary decision for XXXX is reversed. 

My credit report still shows this collection action. You've broken the FCPDA and face fines of {$1000.00} plus actual damages and attorney 's fees, which I can recover in small claims court. The potential damage from these collections on my credit report is thousands of dollars. 

Publishing incorrect information to major credit bureaus may constitute character defamation, as the negative marks on my credit report degrade my credit and prevent me from enjoying excellent credit 's benefits. The FCRA forbids erroneous information on my credit report. If you don't erase this account from my credit record promptly, you'll be fined {$1000.00}. Your legal team will certainly agree that failing to comply could put your company in legal trouble with the FTC and other organizations. 

I intend to proceed with the lawsuit if I do not hear from you within fifteen days. I really anticipate hearing from you. 

XXXX XXXX