davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (CA)

XXXX XX/XX/year> a company by the name XXXXXXXX XXXX XXXX in XXXX XXXXXXXX XXXX allowed someone to give them my credit for a rental car I have no knowledge of upon me in a store trying to use my Chime Bank credit card I was informed that I had insufficient funds in my account that's not possible so I check with my bank and was told that the XXXX XXXX took {$560.00} from my account I did a dispute plus call the car rental place they informed me that I was not in their system so I informed the bank Chime I even had both parties in the phone and the XXXX company informed Chime Supervisor that they have no record of me dealing with their company and how can they assist in getting my money back to my account the supervisor at Chime Bank informed Chime that I would have to wait until their investigation was over so then I asked how long it's been pass your company time flame and I have bills I have to pay XXXX and XXXX XXXX that's due in XXXX days they have already gave me extension basic on this investigation and now your company is informing me that you have until XX/XX/XXXX for what when this company just informed you that they have no record of me in their system really? I am getting no were with both parties in this matter and it's not fair for me to keep waiting on my money when I have already asked Chime Bank not to allow no merchant to take money out of my account without my permission and they keep doing it I receive {$1300.00} every month from Social security. It's bad enough that I had a secure account with Chime and the claim I spent that money when I was doing transactions with my credit builder card how when I was spending money from my check from social security deposit! Once I receive my money I withdraw it to pay my own bills what bill I pay using the money from my secure account? XXXX minute I had {$700.00} and then it went down to {$100.00} the went up too {$1300.00} down to {$800.00} this don't make no sense to me when did I spend this money on what explain this to me please I will send in statements to prove how this bank is getting over on customers
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (FL)

Dear Spring Oaks Capital , LLC, I respectfully disagree with the conclusions of your investigation. There are several points I would like to address : 1. **Account Statements** : While you have provided a copy of the last credit statement, I am requesting a fully itemized receipt of all charges, interest, fees, and payments made on the account. This level of detail is necessary for me to verify the accuracy of the balance you claim is owed. 

2. **Discrepancy in Account Dates** : There seems to be a discrepancy regarding the dates associated with this account. In your response, you mentioned that the account was opened on XX/XX/XXXX, and that the last payment was made on XX/XX/XXXX. However, you also stated that the account was purchased on XX/XX/XXXX. This timeline is confusing, particularly as you suggest that the account went delinquent in XX/XX/XXXX but was not charged off until XX/XX/XXXX. Clarification and additional documentation on these dates are needed. 

3. **Validation of Debt** : According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a thorough validation of the debt. This includes all relevant details, such as a breakdown of the interest accrued, any fees applied, and the specific transactions that led to the current balance. The information provided thus far does not satisfy this requirement. 

Please provide the requested detailed itemization of all charges, interest, fees, and payments, as well as a clear explanation and documentation of the timeline of the account, including the date it was allegedly opened, when it became delinquent, and when it was charged off and transferred to your company. 

I am looking forward to a prompt resolution of these issues. If you need further information from my end, please do not hesitate to contact me. 

Thank you for your attention to this matter.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Diversified Adjustment Service, Inc. (IL)

Per the FCRA, as a federally protective consumer, l am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Consumer complaint received 2024-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC (NC)

Hello, Reaching out for waiver of late fee charge - {$49.00} applied on my account as my regular payment of monthly mortgage payment on XX/XX/year> was posted against Principal instead by Roundpoint Here is the context : Loan Number - XXXX Name - XXXX XXXX Property Address - XXXX XXXX XXXX XXXX, XXXX NC XXXX Contact # - XXXX I made a regular monthly mortgage payment on XXXX XX/XX/year>. My standard monthly mortgage payment is {$1200.00} but accidentally the monthly mortgage payment made was {$1200.00}. XXXX cents were accidentally missed as part of making the payment from my bank bill pay. As the amount was not exact $ {$1200.00}, the payment {$1200.00} though made for monthly mortgage but instead it was posted against the Principal by Roundpoint. As organization posted the payment against Principal, it was marked that I missed making the regular monthly mortgage payment and late fee of {$50.00} was charged to my account. 

As soon as I came to know about this miss that my monthly mortgage payment was XXXX cents short, I immediately made a payment of {$1.00}. I paid XXXX dollar as I was not sure if a denomination less than XXXX dollar can be transferred from my bank to Roundpoint. So by XX/XX/year> - monthly mortgage payment {$1200.00} plus {$1.00} was made. I spoke with Roundpoint mortgage team and the entry of {$1200.00} applied to the principal was reversed and applied towards monthly payment.

After posting of monthly payment was being fixed, we spoke with different members from Roundpoint team. We told them that we have a spotless paying background and we have not missed any mortgage monthly premium payments earlier not just with Roundpoint but with any other mortgage company in the past as well. Even this time, all that we missed from the monthly mortgage payment was XXXX cents and not the entire monthly payment. Every time during our call, we were assured that Roundpoint understands the situation and that the late fee was waived. 

In the latest monthly bill we received yesterday for statement date XX/XX/year>, we still see the late fee. Can you please waive this late fee as mark of good customer service? We are being penalized with {$50.00} late fee for missing only XXXX cents in our mortgage payment is very harsh decision. If we had missed the entire payment, I would have understood it, but we judiciously made the monthly payment but instead of XXXX we posted XXXX i.e. XXXX cents short. 

Please waive the late fee and confirm. I will sincerely appreciate this gesture and it will increase my respect for your company to support and stand by me when I make a XXXX cents mistake. 

Thanks XXXX XXXX XXXX We laready did email to XXXX and CEO XXXX But no response
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
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: Experian Information Solutions Inc. (FL)

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.

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 XXXX 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 2023-09-30
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. (KY)

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 : KY XXXX XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or 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 2024-07-18
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (IN)

BMO Harris bank told me, in writing, that the next business day after my deposit on the XXXX of XXXX I would have XXXX dollars of my XXXX deposit. The next day that was a lie, there were no funds. I called and asked why at time were no funds showing. They told me fraud department had put a hold on it and it would be available on XX/XX/XXXX. I called today and they still will not release my money. I call the issuer of check and they informed me that the check had already been cashed in and the funds were with XXXX XXXX. They are stealing from me and putting my family at risk of losing our home for a fraud hold that there is no risk of fraud they already have the money. They are liars and refuse to give me my money. Then I was told that i can not close my account when the funds are available. These are my funds they are trying to steal from me and Im sure its based on discrimination.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LJ Ross Associates (MI)

On Monday, XX/XX/2024 at XXXX, the company called and held the phone did not say anything and hung up. On Thursday XX/XX/2024 at XXXX, the company called again held the phone did not say anything and hung up. On Monday XX/XX/2024 at XXXX, the company called again held the phone did not say anything and hung up. That same day at XXXX, I called the company and ask why do they keep calling my phone not saying anything and hanging up. The representative ask what number was being called, I provided the number and he said he was trying to reach XXXX XXXX, I why not just ask for the person instead of calling and hanging up. I ask what is the name of the company and he said L.J. Ross Associates. I ask was the company a debt collector and the representative did not answer and changed the subject and ask me for personal information, I refused to answer, and ask him to cease and desist from calling the number.
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Remex, Inc. (NJ)

I am filing a complaint against Remex Inc for their failure to validate a debt they are attempting to collect from me and for reporting inaccurate information to the credit bureaus.

I received a collection notice from Remex Inc regarding a debt they claimed I owed. I immediately disputed the debt, as I did not recognize it and had no contract or agreement with Remex Inc . I requested validation of the debt, including a detailed breakdown of the amount owed, the name and contact information of the original creditor, the original contract, and proof that Remex Inc had the legal right to collect the debt. 

Despite my request, Remex Inc failed to provide the necessary documentation to validate the debt. Instead, they continued to report the disputed and unvalidated debt to the credit bureaus, negatively impacting my credit score. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until they validate the debt.

Furthermore, Remex Inc did not provide their state license number or information on what activities their license permits them to engage in, as requested. This raises concerns about their compliance with state and federal regulations.

Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that Remex Inc immediately cease all collection activities, remove the account from my credit report, and provide full validation of the debt as required by law. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2023-09-30
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. (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  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-07-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: MONEY SOURCE, INC., THE (TN)

I own XXXX XXXX XXXX. I am on deed. I filed bankruptcy to pay mortgage. I have paid and they added illegal fees during forbearance under cares act and other fees. They co ti ur to add illegal fees and to refuse to provide file complete. I want them to waive all fees now and return to original mortgage. Abusive and awful
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Revenue Corporation (TX)

DEFENDANT : UNITED REVENUE XXXX # XXXX BONDED SUIT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VIA USPS CERTIFIED MAIL/ WITH RETURN REQUEST TRACKING XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLEGED DEBT ACCT XXXX  : XXXX ALLEGED DEBT XXXX XXXX XXXX XXXX, XXXX DEAR DEFENDANT XXXX UNITED REVENUE ATTN : UNITED REVENUE I HAVE NO BUSINESS WITH YOUR COMPANY. I HAVE NO KNOWLEDGE OF THIS ALLEGED DEBT XXXX OR ANY FUTURE ALLEGED DEBTS XXXX, XXXX. PLEASE STOP FRAUDULENTLY REPORTING TO MY CONSUMER REPORTS STOP HARRASSING MY PERSON, CALLING MY PERSON, AND VIOLATING MY PRIVATE RIGHTS. I HAVENT BEEN PROPERLY INFORMED TO DISPUTE THIS ALLEGED DEBT WHO ARE YOU I HAVE NO BUSINESS WITH YOUR ENTITY. ALSO IVE NOTICE YOURE NOT LICENSED TO COLLECT IN THE STATE OF TEXAS ON THIS ALLEGED DEBT OR ANY DEBTS I SEE YOUR ENTITY LOVE LAW SUITS DELETE IMMEDIATELY. OR I WILL MOVE TO EXTREME LITIGATION FOR TREBLE DAMAGES DONT EVER CONTACT ME AGAIN CEASE AND DESIST FROM REPORTING OR EVER RESPONDING DEALING WITH THIS ALLEGED DEBT OR DEBTS ABOUT MY PERSON I HAVE NO IDEA WHO YOU ARE OR KNOWLEDGE OF ALLEGED DEBT OR DEBTS, BUT THE CEASE AND DESIST DOSENT STOP YOU FROM DELETING IMMEDIATELY XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (TX)

I am reporting fraudulent activities on my Bluebird Credit card. On XX/XX/XXXX around XXXX I went to the ATM at the XXXX Store at the XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX I attempted to withdraw {$100.00} out because the day before, on XX/XX/year> I had checked my Account before I went shopping and I had around {$490.00} in my account. I went to a sporting goods store in XXXX at XXXX XXXX XXXX XXXX XXXX named XXXXXXXX XXXX  where I bought a pair of Tennis shoes for {$75.00}. I used my Bluebird Debt card, on my way home, I stopped at XXXXXXXX XXXX XXXX XXXX and bought XXXX cans of XXXX XXXX totaling {$9.00}. Those were the only XXXX items I purchase on XXXX XXXX. I did not use my card after that on XX/XX/year>. The next day on XX/XX/year>, I went to the ATM at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX store, because I knew I could withdraw {$100.00}. When the ATM rejected my card, I immediately went on my phone to check my Bluebird Account Balance and it showed that someone had pull out {$400.00} on XX/XX/year>, with a {$2.00} ATM Fee at XXXX XXXX XXXX. I immediately XXXX that address and it show it was XXXX XXXX XXXX in XXXX. I was confused as to how this that could happen as I have only XXXX credit card which I keep on me at all times. I have ever in my 10 years with XXXX told anyone my XXXX # or loaned out my card to anyone. So, I called Bluebird immediately and reported this incident when I had discovered what happened. I told Bluebird that whoever did this, left me with only {$0.00} in my Account. Now, when I look at my Bluebird Account on my phone, it is showing that I made XXXX purchases on XX/XX/year>, my XXXX purchase of {$75.00} and the XXXX XXXX purchase of {$9.00}, which an incorrect date. I have my receipts for both the XXXX XXXX XXXX and XXXX XXXX purchases were made on XX/XX/XXXX, XXXX XX/XX/XXXX. The way it shows on my Bluebird account looks like I made those purchased after the fraud was committed and that is not correct, and Bluebird is refusing to refund me my money. I'm going to also show this to the XXXX XXXX XXXX the is handling the Theft-Credit/Debit Card XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC (GA)

XXXX XXXX violated 15 U.S. Code 1637b. It requires creditor to provide a statement in the mail following the rules of 15 USC 1637b and I never received a statement with everything in that article of the law.
Consumer complaint received 2024-07-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (FL)

I asked if they can review my escrow because the amount that is quoted on my statement is more then what my insurance have on my declaration paper work. They told me to call my insurance company. Which I did. Insurance stated it my Mortgage company that is predicting an amount for taxes and insurance over 12 month period. XX/XX/year> My principal & Interest XXXX. Escrow $ XXXX Monthly payment XXXX. Now : Escrow {$570.00}. My monthly payment should be XXXX. But the mortgage company is adding a predicting of shortage of {$290.00} to my monthly payment which has increase my payment to XXXX, XXXX which I can't afford.
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

A charge was taken from my Apple Card by a scam company on XX/XX/year> at XXXX. No services have been provided or any products received from the company. I immediately cancelled the purchase from the company, and no refund has been issued on the card. The amount was for {$350.00}. Goldman Sachs is supposed to investigate the issue but it should have been declined if there had been better security. I have not yet received a refund on the card.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have an account with USAA and I had automobile insurance and my online access was suspended after I logged into my account. I was unable to access my account to pay my insurance bill and it was canceled. I called and was told that I didn't have insurance and that I never verified my identification although I have been a member since XXXX. I uploaded my identification as requested in XXXX and my access is still suspended after I verified my identification.