davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Greentree & Associates (NC)

I have had the same mortgage company since i purchased my home in XX/XX/XXXX. The started off as XXXX XXXX then change to Green Tree and they are now XXXX. They overcharged me so many time as Green Tree and made my life miserable. I finally 2 years ago had to file bankruptcy just to keep my home. They were sued XXXX XXXX in XX/XX/XXXX. I have yet to receive any information about money i am sure i am owed by them this lawsuit being they have XXXX my whole life up and would like to know what i have to do to get information to claim part of this lawsuit. Please if you can give me the steps to take. Thank you for your time and help in this matter. <P/>Sincerely, XXXX XXXX
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (ID)

On  XX/XX/XXXX , I knew I needed to pay   XXXX    US Bank credit   cards because they are both DUE on the  XX/XX/XXXX   each month. I logged onto US Bank via the US Bank phone app and paid both my US Bank credit c ards  (  XXXX  fo  r {$190.00} and  XXXX  for {$240.00} ) on the dates they wer  e DUE at   XXXX   XXXX   MDT. I received both on-screen and emails ( via US Bank 's internal messaging system ) confirmation that my payments were received. Nowhere on US Bank 's mobile or desktop site is verbiage stating that if these payments are not made by   XXXX   XXXX    that I will be charged late fees for US Bank taking a day to process. It simply states that any payments after  XXXX  local time will be processed the next day, but in no way does this state that I will be charged a late fee. The payme nt cutoff time text is on   the second screen and in small print on desktop and on the third payment screen and in small print on mobile. Neither payment avenue ( desktop or mobile ) states that a late fee will be applied for paying after   XXXX   XXXX   on the payment DUE date.
<P/>
This is especially troubling to me as I paid  XXXX  of these accounts directly from my US Bank checking account and it immediately deducted that payment money from my checking account at   XXXX   XXXX   that night and not the next day. If the payment wasnt processed until the  XXXX , then shouldnt the money have stayed in my checking account until the payment was processed. Because of this and because the app showed a payment pending, the illusion that the payments were made on the DUE date clearly existed.
<P/>   When I called US Ba nk customer service on XX/XX/XXXX    to discuss this I first spoke to  XXXX  who transferred me to the credit card customer service where I spoke to  XXXX . I told  XXXX  about the ambiguity regarding making payments  on US Bank 's site. I  explained that on the  XXXX  I made my payments on the date they were DUE and I ev en had   XXXX   em ails in  my US Ba nk email inbox stating that the payments were made on the  XXXX  of  XX/XX/XXXX   XXXX  told me that it was my fault because I did n't remember reading this in the fine print regarding payment times and late fees in the credit card agreement I received when signing up a decade ago. Moreover, I have  searched US Banks we bsite and can not find this late fee after the cutoff time information. Also, the fine print on the websites during payment states that the cutoff is  XXXX  " local '' time, but  XXXX  insists it is  XXXX  CDT. How am I supposed to be clear o n cutoff times and  DUE dates when  US Bank  does n't even have consistency in it 's own business regarding payment cutoff times? This further adds to my confusion.  <P/> If the cut-off time is not going to accept payme nt agreements on the payment date as valid, then US Ba nk needs to state that a late fee will be applied to those accounts when the payment is made after their ridiculous cutoff time.
Consumer complaint received 2022-10-06
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

A fraudulent account and my rights and privacy have been violated. 

Made an uninformed decision when agreed on XX/XX/XXXX. I didn't understand, clearly what I was agreeing to, it wasn't clear and conspicuous to me. There were supposed to be 2 consenting parties. According to 15 USC 1601 ( a ) There was no evidence of indebtedness unless agreed upon when entering into this agreement. Therefore, making an uninformed decision. According to 15 USC 1602 ( g ) Adequate notice wasn't given to me. According to 15 USC 1602 ( k ) Violating my right to privacy and I never gave written instructions for Nissan to report on my consumer report. According to 15 USC 1681 ( a ) ( 3, ) ( 4 ) This has been causing stress and anxiety. It's been reporting on my consumer report for over 7 years, the closing date is invalid. This if fraud I asked for full disclosure and the accounting ledger on a hand written letter/ notice. 

Presented in a handwritten letter. 

Sent a certified letter to Nissan Motor Acceptance on XX/XX/XXXX at approximately XXXX
Consumer complaint received 2015-06-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (OH)

I have been requesting a loan modification from my bank Chase Bank for the past XXXX years and have been rejected each time. Their statement is that I can pay the mortgage even when I have presented them with documentation of my hardship. I am now resubmitting another request for a modification with Chase Bank.
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX  XXXX XXXX XXXX  : {$2000.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX  : {$6400.00} XXXXXXXX XXXX  XXXX XXXX : {$5500.00}
Consumer complaint received 2017-06-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Merchants and Professional Bureau, Inc. (TX)

I do not answer telephone calls from numbers I do not recognize. I received a telephone call from XXXX today. When I did not answer the call, my front desk receptionist called me a few minutes later telling me she had received a call from the same number, and said the caller identified himself as a XXXX XXXX with Merchants & Professional Bureau of XXXX. He told her he needed to speak with me about an outstanding debt.
He said he needed to speak with me to discuss this personal situation and the receptionist told him we are not allowed to receive personal calls at work.
This was VERY disturbing. I do n't know what the call was about or who this company was representing, but I never thought an individual identifying the company he represents as a debt collection business could call people at their place of employment. I do n't know what the call was about but I was VERY embarrassed. My boss then called me in to her office, wanting to know why I was getting personal calls at work.
Consumer complaint received 2017-06-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Oakridge Direct Solutions Inc. (CA)

This company called my cell phone and left a message threatening me with litigation. An y debts they may be referring to are many years past the applicable statue of limitations in the State of California (  or any other state ). When I called them back,  XXXX   XXXX   XXXX   XXXX  confirmed - and repeated - this threat. This is illegal.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi there, I called TransUnion customer service on  XX/XX/XXXX  about the technical error they had with reinsertion of previously deleted information and hard inquiries glitch. They refused to help me and did n't delete my hard inquiries. Those are the hard inquiries which should be deleted : Creditor Name :  XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX  Date :  XX/XX/XXXX  Creditor Name :   XXXX      XXXX   XXXX   Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX   XXXX  via  XXXX  Date :  XX/XX/XXXX  Creditor Name :  XXXX   XXXX  Date :  XX/XX/XXXX  All previous hard inquiries should be deleted.  <P/> Thank you
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UMB FINANCIAL CORPORATION (AZ)

This is my second CFPB complaint about UMB Bank practices to withhold money from me.

In the first instance, UMB withheld payment of cash back rewards earned. In response to that, I paid the full amount owing to UMB ( {$280.00} see attached print PDF file ) on XX/XX/2022 and closed the account which I have attached a letter from UMB confirming the closure dated XX/XX/2022 ( see attached print PDF file ). 

Now UMB, on XX/XX/2022, has illegally stolen {$280.00} from my primary checking account even thou my UMB account had a balance of zero and it has been at zero since XX/XX/2022. This is nothing but an illegal theft of funds from me and UMB should be sanctioned if not criminally prosecuted. I called UMB customer service and demanded that UMB send me a check for the {$280.00} via overnight Priority Mail and I have not received the funds which I need desperately. The representative said she would Request priority mail, but otherwise it would take 7 to 10 days. 7 to 10 days is totally unacceptable to rectify the theft of my money by UMB. His is a blatant attempt by UMB to maintain as much float of other peoples funds as possible.
Consumer complaint received 2017-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TCF NATIONAL BANK (IN)

I had an account with TCF bank, the acct closed out and after closing I did owe them {$99.00}. There was a payment made to TCF bank, but now they are reporting to my credit report as a collection. I am in the process of purchasing a home and now this comes out of nowhere, I thought once I paid them I was completely done with this company ... This bank and their collection has caused my score to completely drop horribly even after they were paid their {$99.00} now they are asking for more ... I want this company to remove this acct from my credit report, its unfortunate that they do not keep accurate records.
Consumer complaint received 2022-03-03
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. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-06-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION (IN)

XXXX XXXX 2017 there was two trial deposits from SIMPLE to link my accounts together so I can do a transfer from my external account SIMPLE ( which is still handle by the same bank ) to pay the overdrawn amount of {$9.00}. My external account SIMPLE is partnered with BBVA Compass Bank ( which is the same bank I am having an issue with that handles my other BBVA Compass Bank checking account. ) The trial deposits were sent from SIMPLE and when they attempted to get the trial deposits back on XXXX XXXX 2017 that is when BBVA Compass Bank that holds my other checking account charged me a NSF fee. The whole purpose was to make a transfer to pay the overdrawn {$9.00}. The trial deposits amounts {$0.00} & {$0.00}, NSF Fee {$38.00}.
Consumer complaint received 2015-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

My mortgage company, Webster Bank, NA, is charging me {$5900.00} for hazard insurance, because they claim that I have not provided proof of hazard insurance coverage. I provided proof of hazard insurance coverage six times by fax as well as once by mail. I have called the bank 's insurance company approximately 5 times. Each time they send me a letter stating that I must provide proof of hazard insurance coverage -- the same hazard insurance coverage I have been providing over and over again. The bank is violating the terms of the mortgage by charging me for hazard insurance when the building is already covered with adequate hazard insurance. They seem not to care about this.
Consumer complaint received 2017-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (NY)

Upon careful review of my credit reports I found a collection agency listed attempting to collect a debt on behalf of  XXXX . I have never had a  XXXX  account nor did I ever apply for a  XXXX  account. I have tried to make several calls to this agency but have not made any contact as there was a constant ring on the other line. This collection agency never made any contact with me via in writing or by phone so I was never aware that my name and social was used to open an account with  XXXX . This collection agency has not mailed any written communication for me to dispute this account.     Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation, which is binding on me to pay this debt. Below are a few questions, which may help you to resolve these mistakes.     You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and federal agencies.     In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt.   Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor.   Any insurance claims been made by any creditor regarding this account.   Any judgments been obtained by any creditor regarding this account.
Consumer complaint received 2017-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have sent endless letters, faxes, and made calls to submit documents to support removal of items, as well as fraud blocks on accounts and they will not comply.
Consumer complaint received 2024-01-28
Product: Credit reporting 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)

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- The accounts below have violated my rights.

15 U, S.C 1681 section 602A. States ( have the right to privacy.

15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency, can not furnish, a account without my written instructions.

P15 U.S. 1681g. ( 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 ) ( a ) 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.

Delete the accounts below : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-03
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. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NC)

My credit was damaged by a delinquent payment was due to a company error by incompetence, not a missed payment by me. 
Explanation : I often had trouble logging into the company website to make payments. Every month the system did not recognize my password and it would make me create a new one. In XXXX of 2020 I was not able to log into my account ( as usual ) to make a payment so I called to make the payment by phone. I also asked to Cancel my card due to the inconvenience. I was told during this call that I could go into the store to pay it, but this was not convenient at the time. I requested to pay it by phone and thought that it was taken care of. I requested a Cancellation confirmation, but never received one. 
The following month I received an email that my payment was due. I called to ask why I was receiving the email because I had closed my account. I was told that my account was not closed because I had a balance that was not paid off. ( Their report shows a balance of {$8.00} that was added to my account AFTER I closed it. ) I attempted to resolve this and once again requested a confirmation that my account would be closed. 
The following month I received another email about a pending balance on the account. By this point I was very upset and requested to speak to a manager to resolve any pending balances and close the account immediately and provide immediate confirmation of closure. 
The balances that I was accused of owing and missing payment were added to my account AFTER I had paid and requested for it to be closed. I had to call multiple times to get this resolved as several people failed to properly apply my final payment and close the account.
Consumer complaint received 2017-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I paid off all balances on my credit cards first week of XXXX. Now it's XX/XX/XXXX and some of the balances are still showing on my reports. I've contacted both the Credit reporting agencies, submitted disputes and still nothing.
Consumer complaint received 2017-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (DE)

XXXX XXXX XXXX XXXX has been attempting to demand payment for a debt that I have already paid. I have contacted them on several occasions to provide proof that this debt was paid, however, they refuse to clear the account and continue to contact me and demand payment. <P/>I first contacted them on the phone after receiving a bill. I explained the situation, however, they continued to send notices. <P/>On XXXX XXXX 2017 I contacted them again via written letter. I included the account number, violation number, the check number it was paid with, and when it posted to my account. I never received a response. They continued to send me notices demanding payment. <P/>On XXXX XXXX 2017, I wrote another letter and enclosed copies of the checks that the client they are collecting for cashed. They are still sending notices. <P/>On XX/XX/XXXX, I contacted the original creditor who sent the debt to the collector ( XXXX XXXX ). They stated that I would receive a return call, but I never have.
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WA)

My complaint has to do with cash apps lack of response to my instant cash out of {$1000.00}. on XX/XX/XXXX  I cashed out money out of cash app. I was trying to cash it out to my XXXX  account that I added moments prior to me cashing out of cash app. When I noticed it did not go to my XXXX  account I contacted cash app support tried to reverse the transaction that went to a wrong account. Due to their lack of response and their inability to adhere to a customer 's needs that money was spent by somebody other than myself. I contacted cash out for weeks trying to get that money returned to cash out cash app would not reverse the transaction. Due to their lack of response I am now out {$1000.00} I believe cash app should pay me back the {$1000.00} because I tried to reverse the transaction seconds minutes after I hit the cash out button.