davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (WA)

I originally took this loan, because of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have struggled to pay it every other week since XXXX of last year. The loan was originally for {$2000.00} which was deposited in my account right away and did help me with my emergency. However, I soon learned that the loan would be a burden for far longer. I think it is rather cruel to target people who have a low income only to drain them of nearly 20 times the actual amount of the loan that was given. 

Since I took this loan in XX/XX/year> I have paid opploans nearly {$4000.00} and my remaining balance is still {$1200.00}. 

I am at a point of not being able to continue to pay it due to XXXX XXXX XXXX XXXX XXXX XXXX  I am currently homeless and staying with family but continue to have opploans take out {$170.00} every other week from my bank account.
Consumer complaint received 2020-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service (NV)

The three request ( dispute ) letters that have been sent to Clark County Collection resulted in no success. All letters have been sent Certified Mail with copies of my ID and Social Security Card. In my letters I've demanded that Clark County Collection send me documents showing that the account that they have reported on my credit report belongs to me. Clark County Collection is currently violating Federal Law in regard to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of FCRA. I have sent these letters as disputes to XXXX beginning XX/XX/2020 with the last letter being sent on XX/XX/XXXX. XXXX has sent me dispute results saying the accounts had been verified. However, Clark County Collection has not provided me with a copy of any original documentation or a consumer contract with my signature on it which they are required to do according to Section 610 ( a ) of the FCRA.
Consumer complaint received 2024-05-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (VA)

As a follow up to my recent complaint, I again visited a TD Bank branch, this time in XXXX Florida, on XX/XX/2024. I traveled to Florida in an attempt to rectify this situation as I truly do not know what to do to get my father 's accounts closed and the funds deposited into the Estate. In Florida, the person assisting me ( XXXX XXXX ) informed me that the XXXX NJ XXXX, XXXX XXXX, should have accepted the documentation I provided in person in XXXX. XXXX XXXX informed me that he would have accepted the same document ( which was the original letter of personal rep/administration ), but couldn't do so now because there was a note in the system from XXXX XXXX so he needed a manager to override that note. After making me wait an hour, he came back and said actually he couldn't accept the document because it was now over 60 days old. I said it wasn't 60 days old at the time XXXX XXXX viewed the document in person, and it was now over 60 days old because of their mistake. Again, I have XXXX small children and am an attorney for a different bank, it is very difficult for me to travel all over the XXXX XXXX trying to settle this XXXX. XXXX XXXX, in an attempt to appease me, said he would have legal approve the account closures and confirm with me on Monday that they were sent. It is now Tuesday, and he is not answering my communication attempts. This is extremely distressing, unfair, and confusing. I am quite literally a bank attorney and I can't get this done, XXXX if I was an elderly consumer trying to settle my deceased partners accounts -- it would never happen. I will also comment that the 60 day policy seems extremely arbitrary and punitive, and almost seems like TD Bank is trying to make it so difficult for family members to access their loved ones funds that they give up and TD gets to keep the funds. I would like TD to close the accounts and send me the funds from those accounts, without having to go anywhere else in person. As I mentioned in my last complaint, I am XXXX hours away from the closest TD, and every other bank I've dealt with has let me send in documents, but TD refuses. I have now traveled up and down the XXXX XXXX trying to figure this out -- I am truly not sure why TD is making this process so hard for someone who just lost a family member. It is really disgusting. Absent a lawsuit, I do not know how I am going to get these funds out.
Consumer complaint received 2020-10-12
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Elite Debt Brokers (OH)

on XX/XX/XXXX, I received a call from an unkown debt collector threatening to " sue '' me if I did not pay them. This company never identified themselves, nor sent documentation to the addresses listed on the payday loan. They also do not leave messages stating who they are. I called back fearing suit and gave them some information. After giving them credit card information that I should not have given, I attempted to call to correct the issue, but the number given is not the one I can contact, and I received a call from a lady who said they would " locate '' me and tell others about my debt. I filed a complaint here on XX/XX/XXXX with ACE, the originator of the loan, and was able through that complaint to identify the company they sold the debt too. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX. This company has never sent any documentation proving the validity of the debt in question so that I may dispute it, nor identified themselves as debt collectors as required by law. The message I have attached shows how they contact debts they acquire. I have looked on their site and it states that the " debt '' was sold to another creditor.
Consumer complaint received 2020-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp (IN)

In XX/XX/2020 I asked mortgage company to end my escrow account. I wanted to pay my own property taxes and home owners insurance as for two year they underestimated the cost. Each year my escrow cost increased and I had to pay extra for the shortfall. Mortgage company sent me a letter stating I needed to pay shortfall which I did in XX/XX/2020. Since then I have just been paying interest and principle. Mortgage company keeps sending me notice of missing escrow amount. I have called numerous times in XXXX XXXX and XXXX about this issue. I confirmed they cashed my payment for escrow deficit but they have not updated my account. Their customer service has promised a manager would call me, that problem would be fixed mid XXXX and even a week later in XXXX. All these actions have NOT occurred. Talking with their customer service is useless as these employees can do nothing and they have said I cant talk to anyone in the escrow department Union Home Mortgage XXXX New Jersey
Consumer complaint received 2022-04-06
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. (AL)

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 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.
Consumer complaint received 2020-10-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

I submitted a payment for a normal installment of my loan after the grace period but within 30 days. I was under the assumption that I had made the payment, albeit late, but within the 30 day time after which I would be reported to credit bureaus for a late payment. I assume there was a bookkeeping/technical malfunction, as the payment did not process. I am worried that I will stand to have my credit severely affected by this. I have never had a +30 day late payment on any of my accounts before and want to have this one forgiven/forgotten if possible. 

I want to do everything I can to avoid that late payment and the chances that it may occur again. I have registered in auto-pay with the loaner going forward and called the company  to 1 ) pay both payments for the account XXXX and XXXX payments for 2020 ) and 2 ) see if this instance would be reported The representative from Fifth Third Bank referred me to the FTC.
Consumer complaint received 2020-09-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Consumer complaint received 2020-10-23
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: CULLEN/FROST BANKERS, INC. (VA)

I have gotten a check from frost bank in Texas and yes its real but I can find no bank close to me that do third party check far as me signing it over in my mom name or some one I know I dont care about the percentage of me being charged I just need my money before its to late and I cant cash my check I lost my ID, birth certificate, and social sercurity card now I dont know what to do until XXXX thats when my ID comes please help look around and see if its some where I can cash my check all I ask please I bag y'all please I went to almost every credit bank and still cant get it done its not right that I have a check and cant cash it when im way in XXXX XXXX , va and the frost bank way in Texas it should be a way this can be fixed some way and some how
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

On XXXX XX/XX/2019 I called Experian to request and paid with my credit card for my 2019 Credit Score. The cost was {$7.00}. I was informed that I would receive my score with-in 5-7 business days. As of this date, XXXX XX/XX/2019, I have not received my score I have written Experian three times without no response from them. I attempted to call Experian but the telephone menu will not allow you to speak with a live person. I have a copy of my credit card statement reflecting the charge of {$7.00} but no credit score from Experian Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Home : XXXX Email : XXXX XXXX
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

On XX/XX/2021 I received a letter from American XXXX XXXX XXXX XXXX XXXX XXXX in regards to the collection of a debt for {$8900.00}. After I reviewed and investigating this communiction, I discovered that this communication violated Federal Debt Collection Protection Act ( FDCPA ) 15 U.S. Code 1692c ( a ). I did not give XXXX prior consent to any communication with me. XXXX failed to provde me with any signed agreement that gave thm authorization to collet any amount in regards to this debt as per my dispute letter mailed on XX/XX/2021. This is a violation of FDCPA 15 U.S. Code 1692f. These actions lead me to believe that XXXX is participating in deceptive actions and is in violaiton of FDCPA 15 U.S. Code 1692j. I feel that these actiosn are also a form of harassment nad violates 15 U.S. Code 1692d. 

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX NY XXXX, in regards to the collection of a debt for {$8900.00}. This communication violated Federal Debt Collection Protection Act ( FDCPA ) 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ... I did not give XXXX prior consent to any communication with me. 

After I disputed this alleged debt with XXXX, XXXX failed to provde me with any signed agreement that gave thm authorization to collet any amount in regards to this debt as per my dispute letters mailed on XX/XX/2021, and XX/XX/2021. This is a violation of FDCPA 15 U.S. Code 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

These actions lead me to believe that XXXX is participating in deceptive actions and is in violaiton of FDCPA 15 U.S. Code 1692j ( a ) ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

I feel that these actiosn are also a form of harassment nad violates 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt ...
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I didn't Authorized ( Authorization ) too view or pull credit report ( Identity Theft Victim / XXXX Data Breach )  .... 


XXXX details : XXXX XXXX XXXX from XX/XX/2018 XXXX. 
XXXX XXXX XXXX from XX/XX/2018 XXXX. 
XXXX XXXX from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/2018 XXXX
Consumer complaint received 2023-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (CA)

I was scammed by whom I thought was a friend on XXXX who I've know for years for a vehicle and I sent {$3700.00} to chime to chime but the account was hacked and the chime is fraudulent and chime bank didn't do anything about it and quickly denied me. I'm at a huge loss for my family. Idk what to do now
Consumer complaint received 2024-05-10
Product: Credit 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: Coinbase, Inc. (CO)

XX/XX/XXXX I checked my statements and discovered XXXX fraudulent charges from XXXX. Immediately called the number on the back of the card and reported it. I was told the card would be deactivated and charges would be issued provisional credits while they investigate XXXX XXXX XXXX : XX/XX/year> {$250.00} XX/XX/XXXX I received email from coinbase card stating the credits are being reversed because I " benefited from the transaction ''. They asked for more information. The only information I had was the charge on my card. I informed them that I don't know this merchant and have never ordered anything or received anything from them. They suggested I contact the merchant. I googled them and discovered they sell skincare products made for dark skinned women! I am white. I never ordered anything. I sent the merchant an email asking about the charges. No response. I have demanded documentation from coinbase card used to deny my claim. No response. 

XXXX : XX/XX/year> {$300.00} XX/XX/XXXX same message saying I " benefited from the transaction '' and credits will be reversed. Emailed back telling them I did not authorize this charge. Again I was told to contact the merchant. XXXX search revealed only that the domain is for sale. I have demanded documentation from coinbase card used to deny my claim. No response. 

XXXX XX/XX/year> {$250.00} XX/XX/XXXX same message saying I 'benefited from the transaction '' and credits will be reversed. Again I was told to contact the merchant. This time I managed to get a human being who told me she could not find any record of this transaction and that thay would research it. Haven't heard back. I have demanded documentation from coinbase card used to deny my claim. No response. 

XXXX XX/XX/year> {$50.00} XX/XX/XXXX same thing. They say I " benefited from the transaction '' This one is especially challenging. When I googled it the website is all in XXXX! I managed to get a translation and sent a message via their website. No response. I again demanded documentation used to deny my claim. 
XX/XX/XXXX Email from coinbase card card stating claim is denied because " Cardholder email is on the merchant documentation '' Of couse it is! They are the ones who asked me to contact the merchant. This is not documentation. Where is the invoice? What was ordered? Where was it sent? When???? Who did you talk to? where is the email you sent them???? THERE IS NO DOCUMENTATION BECAUSE THIS IS FRAUDULENT ALL THESE CHARGES ARE FRAUDULENT AND SHOULD HAVE BEEN DECLINED FROM THE START.
Consumer complaint received 2020-10-23
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. (OK)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (VA)

Documentation was sent to XXXX to remove the XXXX late day posted in XX/XX/XXXX. At that time I was on the SAVE program and was not required to make any payments. Also my student ; oans were forgiven in XXXXXXXX XXXX XXXXXXXX by the government so there should have been no late payments posted to XXXX at all and they will not remove them immediately
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (MO)

$169
Open balance

WAYPOINT RESOURCE GROUP
Original creditor

Opened
XXXX XXXX XXXX (1 yrs, 1 mos)

Account status
Open

Original creditor name
WAYPOINT RESOURCE GROUP
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT : 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 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
Consumer complaint received 2020-10-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CO)

I believe Wells Fargo Mortgage engaged in deceptive practices. 

In XX/XX/2020 I contacted Wells Fargo to look at refinancing my loan, both to get a shorter term and a lower interest rate. I completed the application, and signed a rate lock ( 2.75 % ) with 0 points.

At the time, I was told it would be 60+ days to close, so I asked Wells Fargo if I should send a large lump-sum payment to pay down the principal, or wait until the refinance goes through and use that as a " down payment ''. I was told to go ahead and send the lump sum as an additional principal payment. I have all communications with Wells Fargo that directed this. 

I made the payment in XX/XX/2020. In XX/XX/2020, Wells Fargo contacted me and stated that since my loan balance had been reduced by my principal payment, the rate lock was no longer valid, and I would have to pay points in order to get the rate I was promised. I stated that Wells Fargo TOLD ME to pay down the principal, rather than wait for refinance, to no avail.

I then looked at other refinance options. Since this is a VA IRRL, I quickly received a quote for 2.25 %, with no points. I told Wells Fargo to cancel my application with them. Only after I told them to cancel did they offer 2.50 % with no points.