davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: THRIVE MORTGAGE, LLC (NC)

I received a letter on XX/XX/XXXX from Thrive Mortgage dated XX/XX/XXXX requesting that I contact my homeowner 's insurance provider ( XXXX XXXX  ) and request a refund for the principal paid for the current year 's coverage. This refund was requested from Thrive because they informed me that they had made a {$940.00} payment to XXXX insurance for coverage on my property. This payment to XXXX was made in error. I have never had any association with XXXX insurance and never requested this change to my homeowner 's insurance policy. On XX/XX/XXXX, I called Thrive Mortgage to explain the situation to a representative in their insurance department. The representative understood the situation, changed my account 's insurance policy back to the ( correct ) original policy, but informed me the payment will remain on my escrow account until a refund from XXXX was received. She assured me this would be taken care of within 10-15 days. On XX/XX/XXXX, my escrow analysis was uploaded by Thrive Mortgage. The {$940.00} payment made on XX/XX/XXXX to XXXX was shown on this escrow analysis. This erroneous payment will cause a ~10 % increase in our mortgage payment starting XX/XX/XXXX. On XX/XX/XXXX, I called Thrive Mortgage again because the 10-15 days had passed and the issue had not been taken care of. I again told another representative from the insurance department the situation. She again initiated the process of requesting a refund from XXXX insurance, assuring me that the refund should be processed within 14 business days and that the payment could not be removed from my escrow analysis until the refund is processed. On XX/XX/XXXX, I sent an email to the Customer Care department explaining the situation as well as detailing the timeline of the previous two phone calls. I did not receive a response to this email, so on XX/XX/XXXX, I called Thrive Mortgage to verify the receiving of this email. The representative was unable to find the email, so instead, I verbally explained the situation to her. She transferred me to a supervisor who assured me the complaint would be " expedited '' and taken care of by XX/XX/XXXX. 

As you can see, I have made multiple efforts over the last ~45 days to explain to Thrive Mortgage that I have never had any association with XXXX insurance and the payment made on XX/XX/XXXX from my escrow account was made in error. I understand Thrive Mortgage 's pursuit of a refund for an erroneous payment, but I do not understand why the threat of a higher escrow payment has remained on my account during this process since I have no responsibility for the error. Thrive Mortgage 's unwillingness to remove this burden from my account has caused my partner and I considerable harm due the XXXX caused by the upcoming higher mortgage payments.
Consumer complaint received 2023-11-21
Product: Credit 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. (NY)

XX/XX/23 : Citicard notified me about fraudulent charges. I confirmed by phone that they weren't mine and they cancelled my card and assured me the charges would be removed. The charges were removed on my next statement in XXXX. 

XX/XX/23 : I noticed the charges had been added back to my XXXX statement. I called and they confirmed that the dispute had been reopened because the merchant had responded and said the claims were valid. The charges were from a grocery store in towns I have never visited in XXXX. ( I live in XXXX XXXX. ) XX/XX/23 : I sent 2 forms by email that Citicard requested verifying that the charges were not mine. One of them is attached. 

XX/XX/23 : I called again because the charges had not been removed. I was advised that they would reinvestigate it and let me know. 

XX/XX/23 : I called again because the charges had still not been removed. The representative assured me that the forms had been received and she would make sure they went to the correct department. She said I should get a response within 10-12 business days. I have not heard from them since.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (AZ)

IN XXXX OF 2021 I DISCOVERED THAT A FRAUDULENT CREDIT CARD WITH CHASE BANK HAD BEEN OPENED UNDER MY NAME. THE BALANCE WAS XXXX USD AND ALL OF THE TRANSACTIONS WERE MADE ON XX/XX/2021 IN XXXX, ARIZONA. 
I IMMEDIATELY CALLED THE BANK AND THEY CANCELED THE CREDIT CARD. I ALSO WENT TO THE POLICE TO FILE A REPORT AND CALLED THE XXXX CREDIT BUREAUS TO INFORM THEM THAT I HAD BEEN A VICTIM OF IDENTITY THEFT AND PUT A FREEZE ON MY CREDIT.
Consumer complaint received 2022-07-08
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: Spring Oaks Capital, LLC (TX)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-07-08
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. (LA)

I recently filed a complaint on an account stored on my credit report with XXXX and trans union. XXXX just sent me an update stating that the dispute is closed, and XXXX XXXX verified the account. I know I made the payments on that account in XXXX XXXX XXXX. Once again by law, I have the right to have the dates validated by the XXXX XXXX reporting me on my credit report, which would be trans union and XXXX. By law VALIDATION not VERIFICATION would be the bank statements from XXXX XXXX showing I didn't make the payments. I want my VALIDATION which I'm entitled to. If Transunion and XXXX don't provide that they would be in DIRECT VIOLATION of the Law.No one should be able to break the American Law. Without that VALIDATION XXXX and TransUnion would be False Reporting, which is a violation of the law. by other means, XXXX and TransUnion are reporting this account without my written consent. I HAVE THE RIGHT TO MY PRIVACY WHICH THE LAW GRANTS ME. PLEASE CAN TRANSUNION AND XXXX PROVIDE ME AND THE CFPB WITH THE WRITTEN CONSENT OF MY STATING TO FURNISH THIS ACCOUNT? EVERYTHING XXXX AND TRANSUNION HAVE BEEN UPDATING TOME IS FRIVOLOUS DUE TO THE FACT I VALIDATED AND HAVEN'T RECEIVED ANYTHING BUT FRIVOLOUS STATMENTS. AS STATED IN THE FCRA LAW THE CREDIT BUREAUS SHOULD TREAT ME WITH THE RESPECT THAT A CONSUMER DESERVES, WHICH I FEEL AS THOUGH I'M NOT BEING TREATED WITH THAT RESPECT. XXXX AND TRANSUNION ARE BREAKING SO MANY LAWS AND GETTING AWAY WITH IT. AT THIS TIME I'M GIVING XXXX XXXX XXXX PERMISSION TO SPEAK AND ACT UPON MY BEING. YES, I'M FAMILIAR WITH THE FCRA LAW AND THE FTC LAW, IF I HAVE THE RIGHT TO MY PRIVACY I WOULD LIKE THE XXXX XXXX ACCOUNT REMOVED IN GENERAL FROM MY CREDIT REPORT. ALSO, XXXX AND TRANSUNION CAN EVEN VALIDATE NOT VERIFY THIS ACCOUNT, WHICH SINCE THEY ARE HOUSING IT THEY MUST HAVE THE VALIDATION TO PROVIDE ME. WHEN FILING A DISPUTE WITH THE CREDIT BUREAUS ONLINE YOU ONLY HAVE XXXX SPACES TO TYPE YOUR COMMENT, WHICH IS NOWHERE NEAR ENOUGH SPACES. PLEASE STOP LETTING XXXX AND TRANSUNION BREAK ALL THESE LAWS WITHOUT NO ACTION BEING TAKEN AGAINST THEM.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This complaint is directly related to XXXX XXXX XXXX CO, XXXX XXXX, who will referred to as The Company. 

Consider this a follow up complaint to my original complaint filed XX/XX/2022 with The Company - XXXX. The required timeframe for a prompt response has expired. 

I spoke with a representative of The Company on a recorded line who confirmed the delinquency was a direct result of The Company 's illegal and harmful communication practices. The representative confirmed that I would be contacted by a supervisor of The Company which did not occur within 30 days. 

The Company failed to notify me of current balance due upon purchasing my loan ; The Company failed to notify me that a scheduled payment had been rejected within a reasonable timeframe ; The Company failed to accept my payment without reasonable explanation within 14 days of rejection ; The Company failed to notify me of payment rejection within 48 hours of failure ; The Company would not allow me to make a payment within 30 days of purchasing my loan ; The Company failed to respond within the required timeframe for a verbal complaint ; The Company failed to deliver notice of delinquency prior to 30 days late ; The Company delivered libel reports to credit agencies despite The Company being responsible for delinquency ; The Company refuses to respond to multiple attempts to correct The Company 's error. 

XXXX XXXX will now be required to relay all future communications regarding my mortgage by written mail as well as responding to this CFPB complaint. 

I have also served a final notice for The Company to correct their reports. Without a prompt response from the Company, this complain will be escalated to civil court.
Consumer complaint received 2022-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (NY)

I received a letter from XXXX  XXXX  regarding a debt of {$240.00}. This is an error I have tried to remediate with XXXX, but have been unable to since they dont offer an email address to contact them and their phone lines have hold times that go in excess of multiple hours. 

This started because when I cancelled ( XX/XX/XXXX XXXXXXXX XXXX ), I received a bill for XXXX XXXX XXXX Return Fees. This was billed XX/XX/2021. Then {$560.00} was charged to my credit card on XX/XX/2021. I called XXXX who then reversed my charges after verifying they received the XXXXXXXX XXXX XXXX returns. Then I received a bill of {$240.00} as well as your bill for collection of the same. This was in the second week of XXXX. 

I am very busy but have tried to resolve this with XXXX by calling the number on their Final Notice letter. I called at XXXX on XXXX waiting on hold for 40 minutes and 41 seconds. I called back to request that I be put on the call back line but got through to someone, who then said they couldnt resolve it, that it needed to be handled by their billing department. XXXX then transferred me, keeping me on hold until XXXX ( over an hour ). I dont have this amount of time available. I dont know why I cant just respond to them in email. They called me back and I spoke with XXXX in billing. She has said that this bill is in error and that I do not need to pay it. 

In summary, this debt is invalid as I have returned both XXXX XXXX  which XXXX has confirmed and there are no remaining debts to be paid, which XXXX has also confirmed. 

I sent a slightly altered form of the above message to XXXX  XXXX, but they didn't respond and instead chose to transfer the debt to FRONTLINE ASSET STRATEGI, who then set a Derogatory Mark against my credit. I have a credit rating of XXXX which is considered " Excellent '' but it has this mark for a minor charge which is unfair. It's worth me to just pay for it, but I don't want to due to the principal of this since I followed the rules set by XXXX and returned the items that I had borrowed ( the items simply allowed me to have adequate coverage that I was already paying for, from XXXX ). 

I've attached the original letter I mailed to XXXX XXXX, XX/XX/2021.
Consumer complaint received 2022-07-08
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. (MD)

The credit bureau is reporting inaccuracy on my report I asked them to do a thorough investigation and they did. But I also did a thorough investigation and found several inaccuracies on my report. 

XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX//2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

On XX/XX/2022, I logged into my XXXX bank of America account to find that there was XXXX transactions on my account that were NOT authorized. I called Bank of America XXXX support to dispute all transactions. Bank of America rep proceeded to tell me that my money " might '' be refunded. Claim ID is XXXX. Claim was submitted on XX/XX/XXXX for the amount of {$2800.00}. I have a mortgage to pay and bank of America is not giving me any updates or any refund for money that was stolen out of my account and now I will be unable to pay essential bills and living expenses. I would just like my money refunded so i can pay my bills.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OK)

XX/XX/XXXX I attempted to make my monthly payment through the Victoria Secret App and was unable to do so. Through the app it was acting like it was continually loading so I closed out and reopened multiple times. I kept getting an error code each time I used the facial recognition to log in. 
XX/XX/XXXX I attempted to log in to the card section once again through the Victoria Secret App to make my payment and I was unable to do so again and it kept giving me an error. 
XXXX I once again tried to log in through the app to make my payment and the XXXX XXXX XXXX tab was no longer showing in the app. I got on XXXX and learned that there was an update to the Comenity banking system that I was not notified about and learned that people everywhere have been unable to access their accounts let alone make payments. Comenity is telling people to use their easy pay option through their website which is also down at this time and all customer service numbers are completely down. 
XXXX I tried using the easypay through Comenity website and it says it is unable to locate my account. I dialed the card service number on the back of my card and it gave me an option to look up my account. I enter red my information then the auto service stated unplanned outage and then disconnected the call.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MD)

I have been trying to pay my XXXX XXXX and my XXXX XXXX XXXX  XXXX credit card payments since XX/XX/22 and have not been able to login to the website, contact them by phone ( the recorded message just tells you to call back at alter date ) or use the XXXX they have said to use. First I kept getting a blank screen, then when it did come up, it said it couldnt locate my account information. I have tried every day since and I have also posted to their XXXX page and received the same message they are sending everyone else. Here is what I copied from that response : We know the recent system outage has been frustrating and we will work to ensure a fair resolution for impacted customers. Were waiving late fees for customers whose payment due date fell between XXXX XXXX XXXX. Those customers inability to make a payment will not affect their credit score. In the event outages impacting customers ability to make a payment extend beyond XX/XX/XXXX, we will extend the late fee waiver and the pause on credit reporting accordingly. We will continue to work on restoring your ability to manage your account the way you want, and deliver the quality service you expect. Additionally, we're experiencing higher than normal call volume, but our representatives and automated systems are working hard to take all calls that are coming through. Please try calling us again at your earliest convenience to submit your payment. Thank you, They say this is a result of a system update but I never received a notice of an update and the only notice of an outage or update on this outage I have received is from XXXX or XXXX.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent multiple documents in to the consumer reporting agencies about the fact that the personal information they have for me is inaccurate and they need to remove it. They have YET to do so. It is your grave responsibility as outline in the FCRA to ensure that ALL information pertaining to me is 100 % accurate. 

You need to remove ANY information that does not reflect the following : Full name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Employer : XXXX XXXXXXXX XXXX Any other information outside of what's above, is considered inaccurate and you need to delete it. I have attached my ID for reference.
Consumer complaint received 2023-10-05
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. (MD)

I submitted a dispute to Equifax in regard to account # XXXX. Equifax responded to my dispute by saying that the account in question was verified. As a consumer, I have the right to request how that item was verified by requesting the credit bureaus method of verification. On XX/XX/XXXX I sent out a letter to Equifax requesting the method of verification. 

According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give you a method of verification within 15 days of your request. 

Equifax failed to provide any documentation proving they did their due diligence. I received a letter on XX/XX/2023 only saying the debt was verified again. No information on the method of verification, and past the 15-day timeframe. 

It is my understanding that under FCRA Section 611 ( a ) ( 5 ) ( A ) if a consumer reporting agency is unable to verify the accuracy of a disputed item within the given timeframe, the agency is required to promptly delete the item from my credit report. 

I request this account to be deleted immediately.
Consumer complaint received 2022-07-02
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)

In accordance with the Fair Credit Reporting Act, The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX ( ACCT # XXXX ) has violated my rights. 
XXXX XXXXXXXX XXXX ( ACCT # XXXX ) has violated my rights XXXX XXXX XXXX ( ACCT # XXXX ) has violated my rights CREDIT XXXX XXXX ( ACCT # XXXX ) has violated my rights 15 USC 1681 section 602 ( a ) states I have the rights to privacy.

15 USC 1681 section 604 ( a ) section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
MY FEDERALLY PROTECTED CONSUMER RIGHTS HAVE BEEN VIOLATED! 
The above referenced accounts do not belong to me and I want them deleted from my credit report.
Consumer complaint received 2022-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Wakefield & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX. {$1100.00}, {$960.00}, {$950.00}, all of these XXXX identify theft- XXXX XXXX XXXX XXXX {$52.00}, {$61.00}, {$55.00}, {$52.00} - XX/XX/XXXX XXXX XXXX XXXX. All these are Identity thefts My name is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Colorado XXXX XXXX my phone number
Consumer complaint received 2022-07-02
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. (WA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX, 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