davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Vital Solutions, Inc. (TX)

Company repeatedly calls and does not leave a voicemail. When calls are answered, calls are disconnected without any communication. 

I was finally able to return a call on XXXX and advised the agent to suspend communications for 6 months. They called me back later that day, again, call was disconnected with no communication. 

Company tends to call 3-4 times a day. 

This has been going on since XXXX. 

They are also calling from XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (DC)

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect in the DISTRICT OF COLUMBIA. If you purchased this as a debt collections device to make money as a debt collector, thank for paying off the bill. You have 10 days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in 10 business days is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for XXXX in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violation. 



In accordance with the UCC laws, all Commercial Transactions must be recorded with the Secretary Of State. 

Also According to the UCC 11 search, I the Consumer do not have any Liens/Debt in my name.
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (DE)

XXXX is reporting incorrect and inaccurate information on my consumer report. I did not give the permission to do so as required by the FCRA. I am a dictum of Identity theft and I want XXXX to stop exploiting my consumer report for their gain.
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX is reporting incorrect and inaccurate information on my consumer report. I did not give the permission to do so as required by the FCRA. I am a dictum of Identity theft and I want XXXX to stop exploiting my consumer report for their gain.
Consumer complaint received 2020-12-04
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

IT WAS XX/XX/XXXX. XX/XX/2020. XXXX HAD OUR MORTGAGE THEN XX/XX/XXXX SOLD TO SELECT PORTOFOLIO COMPANY. WE WERE NOT AWARE OF SUCH BALLOON PAYMENT UNTIL XX/XX/2020 WE RECEIVED A CERTIFIED LETTER STATING THAT XXXX WAS NO LONGER TAKING OUR PAYMENTS THAT SELECT PORTOFOLIO WAS TAKING OVER THE BALLOON AMOUNT. WE CALLED XXXX NEVER ANSWERED OUR CALLS. THEN WE CALLED SELECT PORTOFOLIO. THEY EXPLAINED THE SITUATION TO US THEY EXPLAINED ABOUT THE BALLOON AMOUNT WAS TO BE PAID IN FULL ON THE MATURITY DATE OF XXXX XXXX. WE SUBMITTED A NEW MODIFICATION XX/XX/2020 MODIFICATION WAS DECLINED DUE TO CURRENT PAYMENTS. THEN WE SUBMITTED A REFINANCE. CREDIT SCORE WAS A BIT BELOW AVERAGE. WE SUBMITTED ANOTHER REFINANCE THEY SAID MORTGAGE WAS LATE. DUE TO MATURITY DATE. SELECT PORTOFOLIO WAS NOT TAKING ANY MORE MONTHLY INSTALLMENTS OUR REFINANCE THEN WAS UNABLE TO GO THROUGH WE HAD ALREADY PAID THE APPRAISEL FEE. WE DID A CONFERENCE CALL WITH REFINANCE BANK AND SELECT PORTOFOLIO. THE REFINANCE COMPANY SEEMED VERY CLUELESS.
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Having a hard time due to medical bills so I called Capital one to ask if they would let us skip a pmt. I talked to XXXX who said they had a hardship program that would let us skip payments for 3 months without extra fees etc : I said great. She said I would receive notice ( did not ) tried to call her back on XX/XX/17 could not reach her. Talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, ( no help ) finally talked to XXXX said her # was XXXX said she would pull the recording and someone would call us within the week. No Calls.She was a supervisor with special assistance dept. We also noticed they turned us in to credit for late pmt. On XX/XX/XXXX we got in touch with XXXX Senior account mgr. who said that if we would pay XXXX he would take care of the problem wave fees pull the bad credit report and get us back on track since we have never missed a pmt in way over 10 years with them. We made the payment and found out they applied {$400.00} to fees and interest and did not remove the bad credit report as promissed. We tried and can never get in touch with any of the people talked to. They recorded the conversation when XXXX told me about the 3 month program but I guess won`t pull it up. Thanks you if you can hellp us.
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX, I received a letter from Chase that they planned to introduce a monthly service fee of {$35.00} for Chase Private Client Checking Accounts if you don't have an average beginning day balance of {$150000.00} or more in qualifying deposits and investments, or don't have a linked Chase XXXX Business Checking account. My checking account did not have this amount in qualifying deposits but I had investment accounts at JP Morgan that pushed my balance well over this limit. Regardless, the letter indicated my checking account would be transferred automatically to a Chase XXXX XXXX Checking Account. 

In XX/XX/XXXX, I received a monthly service fee of {$35.00}. In other words, Chase never transferred my account and started charging me a monthly service fee. I had over {$150000.00} in qualifying deposits and investments so I called the XXXX phone number to speak with someone in client service. After waiting on hold for over an hour, the person could not help me as they were not able to properly link my checking and investment accounts, and asked me to go to a local branch. I did so, and a banker waived the fee and said this was a common issue and the bank was attempting to fix it. 

In XX/XX/XXXX, I received another monthly service fee of {$35.00} so I stopped by the local branch again. They waived the fee and escalated my issue to a " customer complaint '' department. I received a phone call a few days later, and after a week of back and forth, the employee told me that my checking and investment accounts could not be linked and, despite my balances being over this threshold, that I would continue to be charged the XXXX XXXX monthly service fee even though Chase 's policy states otherwise. 

In XX/XX/XXXX, I received another monthly service fee of {$35.00}.
Consumer complaint received 2018-02-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

We had a second mortgage from XXXX XXXX XXXX which was sold to XXXX XXXX  on XX/XX/XXXX. We were in Chapter XXXX at the time which was discharged on XX/XX/XXXX. The second mortgage was cleared than. We have been dealing with XXXX loan mgt since XX/XX/XXXX to get a deed in lieu. Now they say that we need a release from XXXX XXXX to continue the process but XXXX XXXX has gone out of business and I can not obtain a release of lien from them. Absolutely no one can/will help resolve this and both XXXX and XXXX are saying that only XXXX can. There is no one at XXXX to deal with since the loan was sold. All we want to do was sign over the house to Rushmore loan mgt ( who is handling everything for XXXX ), we are completely frustrated over this and do not know where else to go. We have been dealing with XXXX XXXX at Rushmore, phone number ( XXXX ) XXXX, XXXX XXXX ( representing XXXX  ) ( XXXX ) XXXX and XXXX XXXX ( XXXX ) XXXX. All we would like to know is how to resolve getting a lien removed from this secondary loan so that the deed in lieu can move forward.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

back in XX/XX/XXXX I trade in a XXXX XXXX XXXX for a XX/XX/XXXX XXXX XXXX to XXXX, TX XXXX and was told by the dealer not to make XXXX payment because it would mess up the pay off amount. I also at the time did have possession of the XXXX which was being financed through XXXX XXXX. Needless to say I looked at my report and XXXX XXXX had me reported as delinquent for the month of XXXX despite the care not being in my possession. I disputed it twice with XXXX XXXX with no resolution. I also disputed it with experian and they came back saying XXXX XXXX is correct despite it showing on my credit report that I had another at that time frame. I call experian about this issue and they told me that XXXX XXXX was responsible and then I called XXXX XXXX and they placed the blame on the dealership. I feel that I have been the one did wrong during this situation. both companies were paid and I had something negative placed on my credit report.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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.

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 XXXX 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 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

Portfolio Recovery is reporting an erroneous debt on my credit file. I recently checked my credit and noticed that Portfolio Recovery is reporting a debt that I do not owe. The original creditor was XXXX XXXX  but my debt to them was taken care of in my bankruptcy. I was under the impression that this was taken care of but this has been updating and really hurting my credit. This is a violation of my bankruptcy stay and it must be removed immediately.
Consumer complaint received 2024-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (NY)

I am writing to formally dispute the collection account listed on my credit report under the account number XXXX. As previously communicated and in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I have validated that this debt is not mine.

Under Section 609 of the FCRA, consumers have the right to dispute inaccurate or incomplete information on their credit reports. Upon thorough investigation and verification, it has been confirmed that I am not associated with the debt in question. As such, it is imperative that this inaccurate and erroneous information be removed from my credit report immediately.

I hereby request that you take the following actions in compliance with the FCRA : Remove the collection account XXXX from all three major credit reporting agencies ( XXXX, XXXX, and XXXX ) without delay. 
Cease all further reporting of this inaccurate debt to any credit reporting agencies.

Provide me with written confirmation once the collection account has been removed from my credit report.

Failure to comply with these requests within the required time frame may result in further legal action as provided for under the FCRA.

Please be advised that under the FCRA, you are obligated to conduct a reasonable investigation into the accuracy of the information you report and to correct any inaccuracies promptly. The inclusion of inaccurate information on my credit report can have significant adverse effects on my financial standing and opportunities.

Thank you for your immediate attention to this matter. I expect confirmation of the removal of the inaccurate collection account within 30 days of the receipt of this letter.
Consumer complaint received 2023-04-04
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. (TX)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. this ground for removal the also violated my rights under 15 U.S.C 1681 Section 602 A. Status I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer repoting agency can not furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (NV)

ONLINE Information Services claims to be a debt collector and tried to collect money under the use of XXXX XXXX XXXX. When we contacted XXXX XXXX XXXX, they told us that they were not involved with them.
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

Citibank allowed an unauthorized charge on a LOCKED, EXPIRED credit card, where the vendor had an old and no longer valid credit card number. I only noticed this when I saw negative information on my credit report, and by that time there were late charges in addition to the negativity on my credit reports. I paid immediately to avoid it worsening, called Citi, and they would not help me. They said that locked doesn't mean what I thought it meant.? I called the vendor, and they issued an immediate refund. Citi refunded all the late charges. Still, there is negative information on my credit reports that I don't deserve. I have to dispute them myself. I would like you to be aware of Citi 's deceptive practices of allowing unauthorized charges on LOCKED, EXPIRED cards. I was a Citibank customer for 21 years. I never missed a payment. My credit score WAS in the 800s. I did not ask for this. This is DECEPTIVE.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

back in XX/XX/XXXX I trade in a XXXX XXXX XXXX for a XX/XX/XXXX XXXX XXXX to XXXX, TX XXXX and was told by the dealer not to make XX/XX/XXXX payment because it would mess up the pay off amount. I also at the time did have possession of the XXXX which was being financed through capital one. Needless to say I looked at my report and XXXX XXXX had me reported as delinquent for the month of XXXX despite the care not being in my possession. I disputed it twice with XXXX XXXX with no resolution. I also disputed it with XXXX and they came back saying XXXX XXXX is correct despite it showing on my credit report that I had another at that time frame. I call XXXX about this issue and they told me that XXXX XXXX was responsible and then I called XXXX XXXX and they placed the blame on the dealership. I feel that I have been the one did wrong during this situation. both companies were paid and I had something negative placed on my credit report.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Hi CFPB, I mailed in my payment with remittance coupon for the accepted value of {$150.00}. I sent it via USPS Certified Mail with tracking number XXXX. It arrived on XX/XX/XXXX. The balance due on the statement has yet to reflect this payment as of XX/XX/XXXX.
Consumer complaint received 2021-11-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NM)

wells fargo sent me a package for a loan modification after the covid relief. the paperwork said if it was not returned and payments not resumed that foreclosure process would start after the XXXX of XXXX. the paperwork had my ex-wife 's name on the account. i sent my divorce decree, something wells fargo knew when they processed the hamp mortgage in 2014. 

XXXX XXXX from wells fargo calls me today, tells me she has no answer. she does not know when my paperwork will be corrected. she does not know if wells fargo will put me in foreclosure. she does not know if wells fargo profited off of the covid relief that i participated in. she does not know how to fix the problem. 

i sit here not knowing if wells fargo will try and collect XXXX for all my past payments, or put me into foreclosure, after wells fargo changed the verbal agreement with me regarding the covid relief. 

i have XXXX from being XXXX  XXXX XXXX in a XXXX. i used the hamp program to save my house previously, now, i have struggled for weeks with my mental health due to wells fargo changing the covid relief program and providing me with no answers, after sending a letter that stated a foreclosure may occur if my paperwork is not completed and returned by XX/XX/XXXX. which, of course, can not hapen due to wells fargo incompetence. now, my paperwork has no time frame to be returned. my payment is supposed to resume, but i am left with the feeling i will lose my house, even if i resume paying. 

i have no control over my XXXX and the thoughts of losing my house. wells fargo entered into a verbal agreement with the covid relief. wells fargo refuses to work faster due to my XXXX, after i made a reasonable request under American with Disabilities Act, that I would like to know facts of whether I can start my payments, or whether my house will go into foreclosure and whether the covid relief we verbally agreed to was a lie. the mental distress is unbelievable, and wells fargo is to blame. 

i have been mistreated by this process, and wells fargo refuses to follow a reasonable request under the ADA
Consumer complaint received 2024-03-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunnova Energy Corporation (FL)

On XX/XX/XXXX, Sunnova filed a financing statement against my property located XXXX XXXX XXXX, FL through XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that they have a security interest in my property for a home generator and associated equipment. Since I financed the generator back in XX/XX/XXXX through Sunnova but the generator was purchased and installed by the XXXX XXXX XXXX in XXXX, FL, Sunnova has filed three of these financing statements for solar equipment which I do not have on my property. All three previous financing statements were terminated. When I spoke with Sunnova representatives in the past about the bogus filings, they asked me to provide the system ID for solar panels that do NOT exist. I was also told that Sunnova does not file financing statements for accessory equipment like home generators. Now Sunnova has changed their tune since I have been filing complaints against them and have now resorted to further shady business practices by filing financing statements for a generator and associated equipment and they have not identified what exactly the associated equipment is. I have made XXXX of the XXXX payments that I am required to make as per the financing agreement with Sunnova. I do not know what benefit Sunnova hopes to achieve by filing these bogus financing statements.
Consumer complaint received 2021-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CO)

On XX/XX/2021, at around XXXX I made an in-person, over-the-counter cash deposit of {$3800.00} at the US Bank XXXX XXXX Branch Office XXXX I was given the receipt for the transaction and everything seemed fine until three and half hours later. At around XXXX on that day, a teller at the brand ( the name sounded like " XXXX '' but was not spelled out clearly in the voicemail message ) left me a message saying that her door " was short of {$800.00} '' and that she " believes she entered an incorrect amount ... should be {$3000.00} instead of {$3800.00} ''. 

I tried to call the number XXXX back a few minutes after the message was received, but the branch was closed ( they close at XXXX on Saturdays ) and no one answered the calls. I made numerous attempts between XXXX and XXXX but could not reach anyone there. 

At XXXX on that day, the teller ( # XXXX ) at the branch withdrew {$800.00}, without my consent or knowledge whatsoever, from my checking account. No reason was given. 

I called the US Bank 's XXXX number and spoke to their staff at the call center, since I was not able to reach anyone at the branch. The staff at the call center took notes about what happened but told me that this would have to be resolved at the branch. 

I confirm and am 100 % sure that I deposited {$3800.00} in-person when I visited the branch on that morning. But the fact that the tell, for whatever reason, was short of {$800.00} and thus deducted {$800.00} from my account with no consent whatsoever is ridiculous and totally unacceptable. Isn't my money in a bank account supposed to be safe and where is that assurance? A teller can withdraw my fund in my banking account without my consent or even knowledge about that, simply because he or she is short of some amount for the day? I encourage US Bank to start a thorough investigation, including surveillance videos and/or other means as appropriate, to find out what happened about at the branch.