davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (GA)

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains [ a late payment reported on XX/XX/XXXX and XX/XX/XXXX for my Calcon Mutual Mortgage Account Loan # XXXX. I want you to know that I understand my financial obligations, and if it werent for my medical episodes and lack of work, Id have an excellent repayment record. Also, I was under the impression at that time I was under credit suppression due to be being misinformed by a number of customer service representative form Calcon advising me that I am. I believe there should be some type of leniency because I was misinformed until now I made a mistake in falling behind, but since then I have been employed I was able to catch up on payments. 
Since then, Ive had a spotless record of on-time payments. Im planning to apply for a refinance of my home, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late 60-day payment on XX/XX/XXXXXXXX  and XX/XX/XXXX due to being misinformed from Calcon and the medical issues that affected me tremendously Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2024. I got an email that my credit report was accessed. When I logged on to access my credit report, I did not recognize the credit requestor ( Barclays Bank ). I immediately contacted them, after about 30 minutes of back and forth they transferred me to their fraud department. XXXX, the gentlemen I spoke to said to give them about 30 days for them to update that inquiry. In XXXX I access my report and the inquiry was still there. I figured with holiday they were busy and didn't want to spend another 30 minutes of my time on the phone with them. So I decided I would just give them more time. It is now almost 90 days after and the inquiry is still reporting.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NY)

Pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) National Recovery Agency was requested to validation alleged debt by authenticating a written agreement and a record. They did not Pursuant to 15 USC 1681b, I have never given this company permission to furnish a consumer report. Per 15 USC 1681a ( q ) ( 3 ), this is considered identity theft. My identifying information is being used without my consent.

Also, Per 18 USC 8, any all of my debts are the obligation of the United States.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I am writing to express my ongoing concern and dissatisfaction regarding an unresolved issue with my account, which has been closed for over three months now. During this period, I have been unable to access an {$850000.00} check, a situation that has caused significant inconvenience and stress. Despite my repeated attempts to resolve this matter I have contacted Chases anti-fraud department over 10 times, enduring lengthy waiting periods each time the issue remains unresolved. I have diligently provided all the necessary information requested by your team, yet there seems to be no progress in addressing my problem. I would like to emphasize that almost all the cashier check deposits were made by remitters who are also Chase members, with the exception of one remitter, XXXX XXXX. Given this fact, I believe it should not be a challenging task for Chase employees to verify and look up their information. Furthermore, these checks were deposited in person at one of your Chase branches, which should simplify the verification process. If there is still difficulty in retrieving or verifying the required information, I am more than willing to provide it again. However, I must stress the urgency and seriousness of this matter. The phrase " sorry for the inconvenience '' does not seem to adequately acknowledge the severity of the situation or the impact it has had on me. I look forward to a prompt and effective resolution to this issue. Your immediate attention to this matter would be greatly appreciated. transactions : XXXX XXXX XXXX {$140000.00} XXXX XXXX {$60000.00} XXXX XXXX XXXX {$6000.00} XXXX XXXX {$110000.00} XXXX XXXX {$120000.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$130000.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX {$100000.00} XXXX XXXX {$90000.00} XXXX XXXX {$10000.00} Remitter 's information : XXXX XXXX : Account numberXXXX Bank address : XXXX XXXX XXXX. Phone Number:XXXX  Passport Number : XXXX XXXX XXXX  : Account numberXXXX Bank address : XXXX XXXX XXXX XXXX NY XXXX Phone NumberXXXX Passport Number : XXXX DOB : XX/XX/XXXX XXXX XXXX Account numberXXXX Bank address : XXXX XXXX XXXX. Phone Number : XXXX Passport Number : XXXX XXXX XXXX Account numberXXXX Bank address : XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX ID : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone NumberXXXX Passport Number : XXXX DOB : XX/XX/XXXX XXXX XXXX Account numberXXXX Bank address : XXXX XXXX XXXX XXXX NY XXXX Phone NumberXXXX Passport Number : XXXX DOB : XX/XX/XXXX XXXX XXXX Account numberXXXX Bank address : XXXX XXXX XXXX XXXX NY XXXX Phone NumberXXXX Passport Number : XXXX
Consumer complaint received 2024-01-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (WA)

I had damages to my home and received insurance claim money which I then submitted to the mortgage company ( Loancare LLC ). In XXXXXXXX XXXX XXXXXXXX I received a final home inspection which confirmed 100 % of the work was completed. The mortgage company failed to pay remaining funds. I then had to take over {$20000.00} out of my own savings to pay the contractor as they were threatening to file a lien on my home. I submitted paid in full receipt on XXXX  XX/XX/XXXX. I still have not been paid by the mortgage company. They are taking excessively long to process the check. I keep getting promised 3-5 business days every time I call, and nothing ever happens. Ive probably called them over 20 times in the last 3 months. They are completely incompetent.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/2023 Amount : {$1100.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law.

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-24
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: Future Judgement Solutions (TX)

we keep getting phone calls from this company on our cell phones. They leave voice mails threatening that a process server will serve papers at my home or place of employment which is of course a threat of legal action. This company does not have a surety bond registered with the Texas sec state and therefore is violating Texas law by operating in the state of Texas. They are further violating FDCPA by making false threats of legal action. We have no outstanding collectable debts. We recently purchased a {$600000.00} ranch and a {$25000.00} vehicle and opened two credit cards with different banks. We get monthly credit reports and just three days ago spoke with XXXX. If there were anything owed we would know about it. Which means this company is a total scam. I have filed a complaint with the Texas AG and with XXXX and when I'm done with this I will contact the Texas Sec. State and file complaint with them. The company in question is Future Judgement Solutions, aka : FJS Global Collect, aka : FJS. They are located at XXXX XXXX XXXX XXXX XXXX, XXXX WY XXXX and their phone number is XXXX but they called me from XXXX which is of course a spoof number which was the first indication I had they are not legit.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Tower Loan of Mississippi, Inc. (MO)

I am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my creditworthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. $ 1681b ( Permissible Purpose ).
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally request that you block and delete the accounts and inquiries listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c 2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : XXXX. DEPTEDXXXX Account XXXX : XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  Account Numbers : XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amounts : {$2600.00}, {$4600.00}, {$1000.00}, {$420.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$3700.00} XXXX. XXXX XXXX XXXX Account Numbers : XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Amounts : {$640.00}, {$2000.00} XXXX. XXXX  Account Numbers : XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Amounts : {$0.00}, {$3700.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$22000.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$310.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$780.00} XXXX XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$22000.00} XXXX. XXXX OF XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$550.00} XXXX. XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$1700.00} Inquiries : 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
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I am writing to express my concern with Nelnet 's handling of my student loan payments on two separate occasions. Despite submitting payments, I have observed a significant issue in the application of these funds to my loan account. This issue, unfortunately, has been seen by many borrowers as reflected in online discourse. 

On XX/XX/XXXX I requested for a payment of {$420.00} to be sent to Nelnet on my behalf from the XXXX portal. The payment was accepted by Nelnet on XX/XX/XXXX but not reflected in my account at all. I called in fall of XXXX about this matter and was told the XX/XX/XXXX payment was actually my XX/XX/XXXX payment, which is not the case per my records. I felt they were trying to rush my off of the line. On XX/XX/XXXX I requested a payment of {$3600.00} to be sent to Nelnet on my behalf from the XXXX portal. The payment was accepted on XX/XX/XXXX and has not been applied to my account. This is a total of {$4000.00} dollars that has been sent and accepted by Nelnet but not reflected in my account as my account accrues interest daily making this an expensive and damaging error. I called on XX/XX/XXXX to inquire about these two payments and was told to wait longer for the XXXX payment but that they would try to find out where the XX/XX/XXXX payment was. I have not heard back from the company yet, but it appears the {$420.00} has been credited to the account, there is still no indication of my {$3600.00} payment reflected in my account. 

This has not only caused unnecessary stress and confusion but has also led to concerns about the accurate reflection of my outstanding balance. I believe that prompt and accurate payment processing is crucial for maintaining a transparent and fair financial relationship. I kindly request an immediate investigation into these issues and a resolution that ensures the timely and accurate application of my payments to avoid any further disruptions in the future.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX, I opened a savings account ending in XXXX with a precursor company named XXXX. CapitalOne bought them and in XXXX, I opened a CapitalOne360 money market account with CapitalOne. From my opening the money market account in XXXX until today, I was constantly told on their website about the high interest rate my " CapitalOne 360 '' account was earning. However, in XXXX, CapitalOne created a new savings account with an almost identical name called a " CapitalOne 360 Performance Savings Account. '' The website never changed its tune in trumpeting the high interest rate being provided by the " CapitalOne 360 '' savings account, but now was talking about the " Performance '' version of the account and not the older account that lacked this additional word in its title. The website never mentioned that the company discontinued offering the non-Performance account or that its ads were now solely talking about the interest rate on the new versus the old account, despite them having almost the same name. 

The above facts mean that all of us old customers, myself included, were misled as recently as today, by these assertions on the website. We thought we were getting the 4.35 % interest rate for the CapitalOne Performance Savings account, rather than the 0.800 % rate for the CapitalOne 360 Savings account that we actually held. Having been misled for five years on this point ( XXXXXXXX XXXX XXXX ), I finally realized through an article I read in the XX/XX/XXXX, edition of the XXXX XXXX XXXX, that I needed to change to the new CapitalOne Performance Savings account to get the rate I had been promised but not provided with over so many years. I made that switch today and was told by repXXXX XXXX and Supervisor XXXX that the only difference between my old money market account ending in XXXX and my new account ending in XXXX, was the name " Performance '' in the title and a 4 time higher interest rate. No new fees, restrictions or burdens were being put on me by making this switch. This is unfair to me and other old customers.
Consumer complaint received 2024-11-01
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. (TX)

I am the victim of identity theft, wherein my personal identifying information was used fraudulently without my authorization or consent. This incident occurred on or around and was discovered by me on XXXX of XXXX. I recently learned that my personal information was used to open an account at your company. I did not open or authorize these accounts, and I therefore request that it be deleted from my credit file immediately. Company or Organization : XXXX XXXX XXXX XXXX  Account Number : XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$15000.00} Company or Organization : XXXX Account Number : XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$730.00} Company or Organization : XXXX XXXX Account Number : XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$230.00} Company or Organization : XXXX XXXXXXXX XXXX  Account Number : XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1200.00} Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$230.00} Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MI)

my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading.

This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I am writing to formally request the removal of a closed account from XXXX XXXX XXXX listed on my credit report as a closed account with late payments, as per the Fair Credit Reporting Act ( FCRA ). This account has been turned over to an attorney. I am actively making payments towards this debt, and have been every month since XXXX of 2023 when the account was turned over to Attorney law XXXX XXXX XXXX XXXX of XXXX Ohio. 

Under Section 1681i of the FCRA, consumers have the right to dispute any inaccurate or unverifiable information in their credit reports. Given that this account is closed and I am taking steps to resolve the outstanding balance, I believe its continued presence on my report is not reflective of my current financial responsibility.

Additionally, under Section 605 of the FCRA, accounts that are paid or settled may be removed from a credit report after a certain period. I kindly request that you review my situation and consider the removal of this account from my report.