davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
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: SYNCHRONY FINANCIAL (TN)

I made a purchase at XXXX using my Venmo credit card. When I received the purchase, the pants were damaged. I requested to return the pants. XXXX said I didn't need to return the pants and they would just refund me. At first, they gave me a credit on my XXXX account that I had to used by a date in XXXX. I told them I wanted a refund in my original payment because I needed to buy pants elsewhere. Then XXXX moved the amount into the account, where I would have funds if I sold something. In order to get my money back, I have to transfer it to my checking account and that cost me {$2.00}, which I should not be out any money since I wasn't the one who made the mistake. I told XXXX this wasn't acceptable and I wanted my refund back to my credit card so I could make a purchase outside of XXXX. They refused. 

I think contacted Venmo to file a chargeback. I sent them a copy of all of these emails back and forth as evidence of the conversation. 

Today, I received a denial from Venmo stating the following : " We received the case ( s ) you filed on XX/XX/year>. We have reviewed this transaction ( s ) and are denying your case ( s ) : This decision was made because the dispute was submitted with insufficient information/documentation to support the claim and we were unable to obtain the required information/documentation after requesting it from you. '' They have the information and I have a legitimate reason to file a claim. I should not be out money because a seller sent me pants that couldn't be worn. I requested to return this item.
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX MD, XXXX ACCOUNT ( S ) /ITEMS DELETION LETTER OF IDENTITY THEFT & FRAUD Date of Birth : XX/XX/1986 SS # : XXXX To Whom It May Concern : I am a recent victim of Identity theft and fraud. I have recently reviewed an extensive copy of my credit report included dark web alert ( with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, XXXX XXXX and it needs to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. HIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account :, XXXX XXXX Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, we sent an ACH payment of {$20000.00} from our business checking account to the personal checking account of one of the owners of the business.

Both of these accounts were capital one accounts. The money was taken out of my business bank account on XX/XX/XXXX. The money was never received by the personal bank account. 

I have tried calling for information on this issue or an update or any assurance to resolve and return this balance. Every time I was told to call back in 2 days and that I could not contact the back office ACH team directly. 

It has been XXXX  days since the {$200000.00} has dissapeared from my account and I have yet to receive so much as an email confirming the issue, any confirmation that someone was made aware of the issue and was working on it, and most importantly no resolution in returning my money.
Consumer complaint received 2024-07-26
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. (NJ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (AZ)

Nearly every month I have to call the servicer to correct the way the payment is applied to the loan. We have spent many hours calling and providing the correct processing that is well documented. The servicer each time says this will not happen again and we have to call the next time they receive a payment. Every two weeks our financial institution debits out checking account, but our servicer fails to apply the payment correctly. Payment are made every two weeks, so half payment is supposed to go to suspense until the other half is received. The keep applying all to principal and not advancing the due date
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

Legal Basis for Dispute : " Re-aging '' a debt involves illegally resetting the date of first delinquency to make it appear as a new debt, thus extending its time on a credit report. This is prohibited under the FCRA, which mandates that negative information can only be reported for a certain period ( typically XXXX years from the date of first delinquency ). 

Right to Privacy and Confidentiality ( 15 U.S.C. 1681 Section 602 ( a ) ) : Under this section, I am entitled to privacy and confidentiality regarding my personal financial information. The actions of XXXX XXXX XXXX XXXX in reporting or handling my account may have violated these rights.

Unauthorized Disclosure ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : This provision requires that a consumer reporting agency can not furnish a consumer report without my written instructions. If XXXX XXXX XXXX XXXX provided information about my account without my explicit consent, this would constitute a violation of my rights under the FCRA. 

Reporting of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 5 ) ) : The FCRA prohibits consumer reporting agencies from including adverse information that is more than XXXX years old ( except for criminal convictions ). If any outdated or obsolete information has been reported, it should be removed immediately. 

Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : XXXX XXXX XXXX XXXX is prohibited from furnishing information to consumer reporting agencies that they know or reasonably should know is inaccurate. Any inaccuracies in the reported information must be corrected promptly.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

Newrez acct # XXXX I received an invoice from Newrez for the above loan dated XX/XX/XXXX and found out that Newrez charged me {$940.00} for lender placed homeowner insurance for XXXX XXXX. I called 3 times and spoke to XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX for the overcharge issue. I emailed them the declaration page of my XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from Newrez Compliance Department ask me to provide a new insurance if any since my XXXX coverage is until XX/XX/XXXX already. Newrez completely ignored my complain and they did not understand the overcharge of {$940.00} issue was from XX/XX/XXXX. 

I have an attorney wrote Newrez a letter demanding response within 15 days on XX/XX/XXXX. However, I still do not receive a valid response today. Please see the attached letter from my attorney. Please help my case ASAP. Thank you very much!
Consumer complaint received 2017-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (TN)

Central Financial Control Is the worst ever!! not only are they Harassing me by calling me everyday all day, but they also send me threatning letters in the mail which is another form of Harassment over an account that I have no knowledge of, or an agreement with their company over. I have never signed or agreed with any one to share my personal information and CENTRAL FINANCIAL CONTROL is violating HIPAA Privacy laws and I will be seeing them in small claims court!
Consumer complaint received 2024-09-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Trade, Inc. (CA)

This is in regard to a medical bills. 

Commercial Trade indicates that since I can not pay in full that I will accrue interest daily. I explained that I can set up a payment plan but they will not take less than {$150.00} biweekly. I explained that I can start with {$50.00} biweekly and pay more when able to do so. I was declined this option. 

The woman I spoke to said that she will also be taking my husband to collections since we are married and that there is no one I can talk to to reduce a biweekly payment and that interest will continue to add up and that she will continue to report me to collections. 

When I call this office I only get transferred to the same woman. XXXX XXXX ph no XXXX. The website has no option to set up a payment plan as well. 

From my research in the state of California debt collectors can not legally add daily interest on medical bills.
Consumer complaint received 2024-09-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MIDWEST RECEIVABLE SOLUTIONS LLC (WI)

Midwest Receivable Solutions XXXXXXXX XXXX {$1600.00} I am writing to dispute the validity of the debt referenced above, which you claim I owe. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692 ( g ) and 15 U.S.C. 1692 ( c ).

1. Validation of Debt under 15 U.S.C. 1692 ( g ) : In accordance with 15 U.S.C. 1692 ( g ), I am requesting that you provide validation of this debt, including : The amount of the debt ; The name of the original creditor ; Any supporting documentation that shows I am responsible for the alleged debt.

Until you provide sufficient validation of this debt, I am requesting that you cease all collection activities, including reporting this debt to credit reporting agencies.

2. Cease and Desist under 15 U.S.C. 1692 ( c ) : I am also requesting that you immediately cease all communication with me regarding this debt, except as required to provide the requested validation or to inform me that collection efforts have been terminated.

Please note that I will not hesitate to take further action to protect my rights under federal law if your company fails to comply with my requests.

I expect your prompt response within the 30-day time period as stipulated by federal law. Failure to respond in the required timeframe may result in legal action or complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Thank you for your prompt attention to this matter.
Consumer complaint received 2019-12-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Mortgage LLC (TX)

XXXX XXXX I emailed XXXX XXXX XXXX ( branch manager Finance of America , LLC at that time now he is affiliated with XXXX  XXXX XXXX  : XXXX IN. ) about down payment assistance program for 1st time buyer. He called me same day and advised we have a program that helps with up to 30k for  down payment and closing cost. He said it was called the Chenoa Program.  Requires to take a buyer 's course and have a XXXX credit score. 
XXXX XXXX-I signed contract with XXXX XXXX base price XXXX. ( after studio options price is XXXX options paid to XXXX  upfront ). Earnest Deposit XXXX XXXX XXXX I received a preliminary closing disclosure and my realtor pointed out to me there is a down payment amount. XXXX and his team kept deceiving me and never would answer my question until I spoke with him on XXXX. 
XXXX XXXX Discovery Period FHA documents had incorrect information XXXX  Sales Consultant requested loan assistant for the Underwriting and XXXX  Questionnaire to be resent with XXXX XXXX XXXX since they changed from Finance of America , LLC . 1st time discovered about the XXXX  questionnaire XXXX and his team never intended to help with the program they offered me. 1st time discovered the underwriting docs had me listed with 2 retirement accounts which is incorrect. 
XXXX XXXX I called XXXX ( down payment assistance ) directly and spoke with Rep. he advised that Finance of America , LLC is part of their lender list and XXXX   XXXX XXXX  is not on their lender list. 

While building the home there was never disclosure of the loan type in detail, Loan estimate, lender change or affiliation notification, down payment assistance program and accurate disclosure statement. 

This is very deceiving to me as the consumer.
Consumer complaint received 2024-09-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc. (CA)

This is a formal complaint against Meridian Financial Services for non-compliance with the Fair Debt Collection Practices Act ( FDCPA ) and failure to provide necessary information regarding a disputed debt. 

On XX/XX/year>, we received a letter from Meridian Financial Services stating that they do not have to provide acknowledgment of the debt in question. This response directly violates the FDCPA, which mandates that debt collectors must validate the debt and provide clear information regarding the ownership of the debt upon request. We are currently disputing this debt and are attempting to cancel our timeshare with XXXX XXXX. Despite our efforts to seek clarification and validation of this debt, Meridian Financial Services has failed to comply with these legal requirements.

We request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that Meridian Financial Services validates the debt in question fully and accurately. Additionally, we seek assistance to cancel our timeshare with XXXX XXXX 

We have attached a copy of the letter from Meridian Financial Services on XX/XX/year>, as evidence of their failure to comply with the FDCPA. 

We trust that the CFPB will take the necessary actions to address this matter promptly and ensure our consumer rights are protected. Thank you for your attention to this serious issue.
Consumer complaint received 2024-09-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc. (NC)

I noticed XXXX collections on my credit report of {$2200.00} and {$780.00} so on XX/XX/XXXX at XXXX AM I called Paragon to identify what charges they had against me and how to pay them. The agent at that time gave me one account number and asked me not to login for an hour. I logged in right away and saw the total of {$2200.00}. I needed to move some cash onto my XXXX card to pay that which would take a couple days, when I went back a couple hours later the balance amount changed to {$3400.00}. I called Paragon back on XX/XX/XXXX at XXXX PM and requested a detailed accounting and account numbers for the charges below are each balance that total {$3400.00}. 

{$2200.00} {$0.00} {$250.00} {$24.00} {$780.00} {$50.00} When I inquired as to why the first account changed from {$2200.00} to {$3400.00} I was told it had not and I could pay individually, this was a lie and when I pressed I was told the same thing over again. 

After the money was moved to cover the charges on my credit report I logged into each one of these and with the exception of the first account number I received they showed the correct amount. Today when I login each account shows {$3400.00} with no way to pay each account individually. Either Paragon is charging a massive fee or they are forcing a single payment of the total of the accounts. I told Paragon on the last call I needed to be able to address these accounts individually. I fear contacting Paragon because each time I've reached out my situation has worsened.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (NJ)

MY CREDIT CARD ACCOUNT IS STILL SHOWING UP ON MY XXXX SCORE AS UNPAID CELTIC BANK/CONTFINCO XXXX XXXXXXXX I HAD SEND THIS XXXX XXXX XXXX.XXXX  I PAID XXXX XXXX OFF IN FULL FOR THIS ACCCOUNT AND THE PAYMENT FOR XXXX XXXX IS SHOWNING THAT THIS WAS PAID BUT FOR THE ACCOUNT IT MARK UNPAID IT IS ON MY CREDIT REPORT 2 TIMES ONE SAY PAID AND THE OTHER SAY UNPAID.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The CMI Group, Inc. (GA)

I have been violated multiple times through a debt collector with the debt I never had 15 U.S Code 1692d states that a consumer shall never be harassed or no words of abuse but yet this has happened on multiple occasions I have been harassed about debt that does not pertain to me Ive been contacted and sent letters even though me as a consumer is not supposed to have no contact with a debt collector 15 U.S Code 1692c. This debt collector company have had unfair practices and unlawful violations that continued to keep violations 15 U.S Code 1692f.
Consumer complaint received 2024-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

I am writing to you very respectfully to present my case with the financial institution Citibank and to request the UNBLOCKING of two wire transfers made on XX/XX/year>. 

The transfers are as follows : 1. An amount of {$5000.00} with Reference No. XXXX 2. An amount of {$6200.00} with Reference No. XXXX Both transfers were made for the purpose of purchasing a XXXX brand vehicle from the company XXXX XXXX XXXX XXXX, which manufactures vehicles and represents XXXX XXXXXXXX XXXX XXXXXXXX. 

Once the transfers were completed, Citibank proceeded to cancel both and subsequently blocked the funds. 
Citibank is now requiring an XXXX ( XXXX of XXXXXXXX XXXX XXXX ) license in order to unblock the funds. 

However, many XXXX are currently purchasing XXXX  vehicles through wire transfers. In fact, Citibank has authorized many Venezuelans to purchase XXXX vehicles via wire transfers. 

It must be clarified that laws must be equal for everyone ; there can not be any discrimination. Citibank is applying sanctions to my transfers while at the same time approving transfers for other Venezuelans. Citibank is acting incorrectly and in a discriminatory manner. 

Additionally, it is important to highlight that I have been a Citibank customer for over 20 years.