davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XXXX of 2023 under the account number ( XXXX ). This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Consumer complaint received 2018-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MD)

XXXX keeps saying I requested to have my account closed which is untrue. My ex-friend XXXX XXXX XXXX sent emails and made calls to have my account closed. I never requested to have my account closed. I even sent {$5000.00} to XXXX so that I can continue to use my XXXX credit account. However I notified XXXX that I had fraud on my account and they refused to return my calls or emails to get this situation taken care of. Instead they let me ex-friend, XXXX XXXX XXXX who is a fraudulent their open a XXXX credit account. This is unfair and I think it all boils down to me being a XXXX female and my ex friend being a white male. This is suspect that you let a white male go free after he forced my account closed. Its ironic that I disputed a {$XXXX} payment and never heard from XXXX. I never received a refund and the item was returned. Its ironic that as a XXXX female XXXX doesnt give me the courtesy to have someone in management at corporate to call me. XXXX seems to have an issue with minorities. They took the {$5000.00} payment I sent and didnt apply it to my account. They didnt provide me my {$XXXX} refund and then they turn around and close my account even though I was making payments on time and even paid off my account to a zero balance.
Consumer complaint received 2024-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (WI)

NewRez purchased my mortgage from XXXX, it appears this took place XX/XX/XXXX. My first payment was withdrawn from my checking account as expected, albeit a few days delayed. Soon after I received notice that they didn't received proof of insurance. At the time, I called my insurance company and they faxed proof of insurance. A month or so later, received the same notice about proof of insurance. Called again, did a three way call with my insurance company and proof was provided but due to services on NewRez side, they forced insurance and set up an escrow account. One of their representatives told me that the insurance department was backlogged - that's not my problem. I called many times to resolve with poor service but finally talked to " XXXX '' on XX/XX/XXXX who said that she would take my account off automatic payments to avoid the high payment ( which included forced insurance ) but I would need to call back to make a manual payment over the phone. On XX/XX/XXXX I called NewRez and made a payment for the XX/XX/XXXX payment due. My checking account shows this was received and paid. Today I checked my online NewRez account and I couldn't set automatic payments back up because the XX/XX/XXXX payment was outstanding. When I called NewRez ( AGAIN! ) the service associate ( XXXX XXXX kept telling me that my payment didn't go through and I kept correctly him that it did go through, they just applied it for XXXX instead of XXXX. I asked for a supervisor and got their resolve team member, who said she would send a note to the payment office to update the payment. I have made many calls and continue to have payment - application problems. I'm VERY concerned that their errors will impact my XXXX XXXX!!
Consumer complaint received 2024-10-12
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I've made 2 payments on my USAA credit card, one payment on XX/XX/XXXX for {$330.00} and another payment on XX/XX/XXXX for {$150.00}. These were electronic payments from my XXXX XXXX XXXX XXXX XXXX XXXX  checking account. I have used the same XXXX checking account for the last 11 years to make my payments timely. I opened my USAA credit card account over 11 years ago and have never had a payment hold placed until XX/XX/XXXX. 

USAA Bank, placed an hold on both of the payments as indicated above and refused to remove the holds for over 15 days after the payment cleared my account at XXXX. The payment hold on the second payment for {$150.00} is still in place as of today. 

Also, I never received notices from USAA to notify me of the holds or the reason for the holds. I identified the holds and called USAA to find out why the holds were placed.
Consumer complaint received 2024-10-12
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 filed a complaint with the XXXX major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Westlake Services, LLC (TX)

Update the number ( XXXX ) is for XXXX XXXX of the mediations department. 

On XXXX  XX/XX/year> at XXXX XXXX, a debt collector attempted to reach me by phone, and without properly verifying my identity or who he was speeakkng with, disclosed my sensitive personal information, including my Social Security number, to an unauthorized third party. The debt collector stated he was calling about a complaint with a client and that a debt was owed. The caller assumed he was speaking with me and stated I know this is ( my name ) social security number XXXX. Once the caller realized he was not talking to the right person he began to ask who he was talking to. He asked was he speaking to my father or someone else. The caller then attempted to confirm again after realizing he did not verify or confirm who he spoke with. The careless and wreckless behavior on the debt collectors part is a clear violation of 15 U.S.C. 1692c ( b ) of the FDCPA, which prohibits debt collectors from communicating a consumer 's personal information to any third party other than the consumer, their attorney, a credit reporting agency, the original creditor, or the debt collector 's attorney. After attempting verify who was on the phone after the fact, the debt collector became frustrated and threatened to contact my family, friends, and neighbors to inform them about the debt I allegedly owe the company. The caller named several people he said he would call and " see what they have to say about the debt. " This tactic is a blatant violation of 15 U.S.C. 1692d ( 3 ) of the FDCPA, which prohibits debt collectors from publishing a consumer 's name or address in connection with the collection of a debt. The caller was asked are the calls recorded and he acknowledged but also stated the recording would not be released because it is the property of the company. This is a violation of Section 809 of the FDCPA states that a debt collector must provide the consumer, upon request, with verification of the debt, including " a copy of any judgment '' or " a copy of any document in the consumer 's possession ''. A recorded call would constitute a document in the consumer 's possession, and the debt collector 's refusal to provide it is a violation of this section.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I contacted the credit bureaus about inaccuracies on my credit report, but my letters have been ignored. Instead, I've been receiving responses accusing me of using a third party. I have attached my ID and the relevant letters for your review.
Consumer complaint received 2024-10-12
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. (MI)

COERCION AND DECEIT NOTICE OF INTENT AND PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES FOR VIOLATIONS OF THE FAIR DEBT COLLECTIONS PRACTICES ACT OR FAIR CREDIT REPORTING ACT ] Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. Encl : 1. Copy of Social Security Card 2. Drivers License
Consumer complaint received 2024-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (MO)

I am writing regarding sloppy and negligent recordkeeping by my mortgage servicer Shellpoint.I am in receipt of a document indicating an auction date of XX/XX/XXXX for a past due balance over {$20000.00}. This amount is erroneousand doesn't reflect a paid in full repayment plan initiatedin XXXX of XXXX is my belief that my servicer has intentionally given me false information in order to expedite an illegal foreclosure proceeding. 

ACH payments were discontinued without my knowledge creating this undue XXXX Missouri foreclosure proceedings legally cant occur until 120 days of delinquency.I also believe that the servicer intentionally XXXX the online portal to prevent me from making payments to further my delinquency and move towards foreclosure.I have attached records of our repayment agreement, as well as XXXX payments deducted from my account up until XXXX of this year, which Shellpoint claims didnt happen. 

Not only have they prematurely set an auction date, theyve also engaged in dual tracking, as I applied for forbearance thinking I owed {$20000.00} but in reality, Ive only missed a couple payments.I entered a repayment plan and paid monthly as promised, and the servicer has no record of it. 

Not only have they provided false information pertaining to the amount that I owe, they did not continue XXXX payments after the repayment was complete and made no provision for me to continue payment.I 've attached bank statements reflecting no overdrawn or insufficient funds for XXXX or XXXX representatives from Shellpoint indicate that I havent made an ACH payment since XX/XX/XXXX. As the payment history document attached can attest, that is not true. 

Per an email attached, XXXX XXXX indicates that she had spoken with her client regarding my hardship options when in fact she had not.
Consumer complaint received 2024-08-16
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. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Third Party Credit Bureaus XXXX, Equifax XXXX XXXX Subject : Dispute Regarding Unauthorized Disclosure of Nonpublic Personal Information under 15 U.S.C. 6802 I am writing to formally dispute the unauthorized disclosure of my nonpublic personal information by XXXX XXXX XXXX XXXX. Under the provisions of 15 U.S.C. 6802, I am entitled to privacy protection regarding my personal financial information, and it has come to my attention that this right has been violated. 
On, XX/XX/2024 became aware that my personal financial information was disclosed to XXXX XXXX XXXX without my consent and without providing me the opportunity to opt out, as required by federal law. This disclosure was done in violation of 15 U.S.C. 6802, which mandates that financial institutions provide a clear and conspicuous notice of their privacy policies and obtain explicit consent or provide an opportunity to opt out before sharing such information with nonaffiliated third parties. Notification of Negative Information ( 15 U.S.C. 1681c-1 ) : Financial institutions are required to notify consumers within 30 days if they furnish negative information to a consumer reporting agency.

I demand that you take the following actions immediately : 1. Cease and desist any further unauthorized disclosure of my nonpublic personal information.

2. Provide a detailed explanation of how my personal information was shared, including the specific information that was disclosed, the identity of the parties who received it, and the purpose for which it was disclosed.

3. Rectify any adverse effects caused by this unauthorized disclosure, including but not limited to, contacting the third parties involved and ensuring the removal of my information from their records.

4. Provide written confirmation of the steps you have taken to address this issue and ensure that such an unauthorized disclosure does not happen again in the future.

Please treat this matter with the utmost urgency. If I do not receive a satisfactory response within [ reasonable timeframe, such as 30 days ], I will have no choice but to escalate this issue to the appropriate regulatory authorities and consider taking further legal action to protect my rights. 
I trust that you will address this matter promptly and seriously. I look forward to your timely response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (ME)

We requested a recast of our mortgage, which took approximately 2 months to get an answer or reply back from Shellpoint, despite multiple attempts via phone ( their phones were down for a month ), chat, social media. We finally received the paperwork and I sent in a large lump sum payment plus fees to bring our loan to home value amount to below 78 %. This payment was credited on XX/XX/XXXX by Shellpoint, although our loan was not recast until XXXX, so I had to pay the original mortgage amount. They finally recast our mortgage for the XXXX payment, but I have emailed them twice about automatically removing our PMI based on the Homeowners Protection Act of 1998 and no one has responded to me. It is now XXXX and I want to know when this will be removed and I believe they owe us for unpaid PMI premiums for at least 2 months ( XXXX and XXXX ). This company is literally the worst company I have ever dealt with. My mortgage was sold to them.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TN)

XXXX, I submitted a claim with Jp Chase Morgan Bank. It was an XXXX purchase of {$600.00}. returned this product an have yet to receive my funds back onto the account. Not only is it that transactions but its multiple. Those disputes cases are for XXXXXXXX XXXX XXXX XXXX {$600.00}. The reference number is # XXXX, for the Mulitple transactions- {$200.00} the reference number is XXXX, For the XXXXXXXX XXXX XXXX XXXX the r4eference number is # XXXX and the XXXX XXXX sent money - {$200.00} reference number is # XXXX
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TN)

An account was opened with Chase Bank by me on XX/XX/year>. Since the opening of this account all transactions were fraudulently made. Someone deposited checks into my account that I disputed. I stated that my account was hacked. I filed a dispute to have my funds reimbursed. Instead of Chase investigating, they close my account.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXXXXXX 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 XXXXXX/XX/year>
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Since XX/XX/XXXX I have tried to freeze my accounty with Experian, but their web page is still not working, get error message stating to mail them request Here is copy of message : We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 
Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently. 
Experian Security Freeze XXXX XXXX XXXX XXXX, TX XXXX Your identification information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security number : Date of birth : XX/XX/XXXX I requested to temporary lift the freeze, but to put it back on by XX/XX/XXXX yet I am unabel to do this online, I entered the pin they assigned me but still has this message, I have a right to freeze my account online, & I did mail them about 2 years ago the request via certified mail & have complaint before, they still do not honor my request to put freeze back on. 

I tried calling all the number they have yet only get a busy signal or machine only unable to get thru to a human