davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

As with your prior responses, your information is incomplete and inadequate to explain the full picture. While I appreciate the additional information in the table that begins to scratch the surface of an explanation, it leaves out my several attempts to gain information from XXXX prior to the account being transferred thus leaving me in the dark. Do you and XXXX not have an obligation to fully answer my questions in a timely manner? This was not and still has not been satisfied and thus affirms a requirement of waiving of any and all associated late fees until this is resolved. 
Your table also fails to show the escrow balance having been fully paid by me nor does the response show the account to which any escrow refund checks were cashed ( which was requested prior several instances ). Aside from the lack of refunds, a full breakdown from 2021 to today that shows escrow transactions, NOTES, and the double-payments made as a result of XXXX refusal to process the payments has not been provided. 
Again and to be absolutely as clear as I can be : the late fees and issues arising on this account are a direct result of the lack of support provided ( initially by XXXX and today by you ). 
Your latest response also included a repeat of the letter sent back in XXXX showing that {$1000.00} was required to bring the account current in that month yet letters have claimed that the account is exactly 1 month past due ; which is it? Its unfortunate that your ( XXXX ) refusal to simply address my concerns at the outset has gotten us into this situation but hopefully at some point you will take some ownership and help to get us back on the right track. As you can see ( and as I can show ), I have exemplary payment history and ALL of my bills are paid in full and on time. Of the more than XXXX revolving personal monthly accounts that I have, yours is the only XXXX with continued discrepancy.
Consumer complaint received 2024-07-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

In XXXX of XXXX, due to my wifes health complications, I applied for a VA Loan Forbearance. The forbearance was extended through XXXX of XXXX, at my request. I notified my mortgage servicer, Pennymac Loan Services , LLC at the end of XXXX that I was able to resume my regularly scheduled payments but that I could not make a lump sum payment for the months in forbearance. I provided a request and detailed reference to the applicable VA Covid Relief program that I was qualified for but Pennymac refused to make such application. Pennymac later stated that the program I requested, the VAPCP, had been discontinued and they were not screening applications after XX/XX/XXXX. This contradicts the official VA website which lists the last date for accepting applications as XXXX, XXXX of XXXX. 

Instead, Pennymac pushed my application toward two other programs which stood to benefit their interest over those of me, the Veteran. This was in direct conflict with the requirements of the VA that the best financial interest of the veteran come first. Many other VA loan holders have told similar stories on various media, including this CFPB website. 

When I recounted my story on a XXXXXXXX XXXX dedicated to complaints about Pennymac 's blatant disregard for those they claim to serve, I was contacted the following day by a representative who said they were going to look into the situation that ended up adding over $ XXXX in payments and taking my loan rate from 3.0 % to 7.65 % and extended my term to 457 months ( I will be over XXXX XXXX XXXX at loan maturity! ).
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

COLUMBIA DEBT RECOVERY IS ATTEMPTING TO COLLECT A DEBT THAT'S NOT OWED WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ), 15 U.S.C. 1681 et seq ). 

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I AM A VICTIME OF IDENTITY THEFT AND THE DOCUMENTS THEY PROVIDED ARE NOT ACCURATE. THE SPELLING OF MY NAME IS WRONG ALONG WITH THE LEASE APPLICATION THAT DISPLAYS INCORRECT INFORMATION. PER FCRA 605B ( 15 U.S.C. 1681c-2 ) please delete and block this account from all three credit reporting agencies. This is a third party company which i owe no debt.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NV)

Form 1099-C - Discharge of Debt was filed by JP Morgan Chase & Co with the IRS, for the mortgage loan account number XXXX in the amount of {$75000.00}. Copy B of the 1099-C form was sent to me by JP Morgan Chase & Co because the total amount of the debt owed has been discharged in full, due to an identifiable event that has occurred and the debt owed is now Paid In Full. This is important tax information and is being furnished to the IRS.

JP Morgan Chase & Co has failed to notify me the year following the filing and has failed to update account number 1368522720 to Paid In Full. Form 1099-C must be filed in the year following the calendar year in which the identifiable event occurs. JP Morgan Chase & Co had continued to collect on this debt even after filing the 1099-C with the IRS and discharging the debt. JP Morgan Chase & Co has lead me to believe that this loan is not paid in full and I had continued to make monthly mortgage payments following their 1099-C filing on this loan.
Consumer complaint received 2024-07-26
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (CA)

My account on XXXX  says it was paid XXXX weeks ago. And on XXXX  website and money network websites it says it would arrive in 10 days. Well its been longer since 10 days. 

I tried calling them but i cant get pst the automated system because XXXX not on there system when putting i in my social and my birthday. The money on XXXX says i already got paid so if XXXX not on the system where is my money at since u guys are in charge of it. Sorry this whole thing is just irritating. And i cant speak to a human without getting a card that i never got or my info working. This has been happening with other people. And also that peoples info and cards have been getting stolen
Consumer complaint received 2024-06-17
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received a letter in the mail dated XX/XX/year>, from Capital One asking to mail a copy of my driver 's license to verify the information included on an application. I was unsure if this was scam/junk mail. I subsequently received a letter in the mail from XXXX XXXX XXXX, regarding a data breach that XXXX have involved my personal information. This prompted me to look at my credit reports and sure enough, there was a hard inquiry from Capital One. there was also a phone number that is not mine nor never was associated with me on my report under contacts and inquiry analysis. I reported a fraud alert, froze my XXXX report, and tried to dispute the inquiry online. However, I learned you can not dispute inquiries online, but can do so by mail or telephone. I spoke with XXXX, who informed me that they can not remove the hard inquiry with the fraud alert and that I need to contact the creditor ( Captial One ) to remove the hard inquiry. XXXX informed me that the fraud alert will be passed on to the other 2 bureaus, but the freeze will not. I placed a freeze on the other 2 bureaus. I then spoke with Capital One, the fraudulent application will cancel in 3-5 days and the hard inquiries will take 60 to 90 days to remove from my credit report after the investigation is done by their fraud team. I was then advised to contact the 3 bureaus again and report a victim statement for the fraudulent application. I then spoke to XXXX again and was questioned whether it would benefit me to do that. That question thoroughly confused me. This has never happened to me before ; I'm just trying to take all the right steps that I need to. I was advised to report a victim statement. XXXX then asked if I'd like to remove it from my report, in which I answered yes, of course. I then was told that it can not be removed without an FTC report or police report.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One illegally locked my checking account after a check I deposited was NSF 'd by the person that sent me the check. They refused to provide me with information or proof of their written policy that allows them to hold my account hostage, especially with NO notice or explanation. I assumed they locked it when I could not transact due to suspicious activity or fraud. But that's not the case. On XX/XX/year> after an extensive phone call with support and a supervisor. They still have no information to show me that they can still have my account on lock. After more conversing they want me to be on the phone call with them to the remitter and they will question them about our relationship and why these funds are being sent. This is a complete invasion of privacy and I would not agree to these terms. With payment of my account being due on XX/XX/year>. They will not let me access my account to pay my fees or even let me close my checking account. I have no way to transfer funds easily from checking to credit card payment. They still offer no information on why they are locking my account and not even letting me close it completely to get my money out of their bank.
Consumer complaint received 2024-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I am writing to request a review of the suspension of my Paypal account with email XXXX. My account was suspended due to high risk. I hope the Paypal Support Team will reconsider the decision to suspend my account. I promise to strictly comply with Paypal 's regulations in the future. Thank you for taking the time to review my request
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (MI)

Sandander has misleading and inaccurate information on my credit report under XXXX XXXX, XXXX and XXXX. The car had manufacture issues and was suppose to be zeroed out. After time the loan was still being reported and not zeroed out. The loan is saying open after being told it would be closed. The monthly payments, date opened, balance, month term, last date active and date of last payment are different with all credit bureaus. From research I've seen that this company has had problems in the past with report information to the credit bureaus and is harming report scores I believe that I am in affect with this, seeing that this company is report negatively on my credit score. I will like this account deleted from my report as soon as possible.
Consumer complaint received 2023-11-19
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. (TX)

Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the protected XXXX. I have the right to privacy and making sure that my private information isn't shared Pursuant 15 USC 6801 which states '' 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 nonpublic personal information. '' XXXX XXXX. is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Affirm the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and to this date they have never received my written consent either!. Any and all consent to XXXX, XXXX, Experian, and Affirm whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non affiliated 3rd party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX has Never once informed me of any of my rights to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is a violation of the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also Per 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-07-25
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: FirstPoint Collection Resources (FL)

FirstPoint - Collection Resources, INC Re : Dispute of Alleged Debt Account Number : XXXX To : XXXX XXXX I am writing to dispute the alleged debt you claim I owe. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

1. I dispute the validity of this debt and request verification pursuant to 15 U.S.C. 1692g ( b ).

2. Please provide evidence of your legal standing to collect this debt as required by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ). 

XXXX. Provide a copy of the original contract or agreement between FirstPoint - Collection Resources, INC that created this alleged debt, as per XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

XXXX. Furnish documentation showing a clear chain of title proving you have the right to collect this debt, as established in XXXX v. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, P.C. XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ). 

XXXX. Provide an itemized accounting of the alleged debt, including all interest, fees, and other charges, in accordance with Fields v. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

XXXX. Confirm that this debt is within the statute of limitations for collection in my state. 

XXXX. Verify that you are licensed to collect debts in my state, as required by many state laws.
Consumer complaint received 2024-07-25
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

Dear CCB/VICTORIA SECRET ; I was shocked when I reviewed my credit report today and found late payment on for 30 days late when the world was shut down due to XXXX and i was personally during that time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also thought i had paid it through automatic payments. Again, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (IL)

Subject : Re : Complaint Regarding Discrepancy in Debt Amount Dear Absolute Resolutions Investments , LLC ( ARI ), Thank you for your response to my complaint. However, your explanation does not resolve the core issues I raised. 

Reporting Accuracy : The {$0.00} discrepancy between the reported balance and the charge-off balance indicates an error. Regardless of the adjustment made by XXXX XXXX  the reported debt amount should be accurate and match the current balance. 

Regulatory Compliance : The collection entry must comply with federal regulations : 12 CFR 1006.34 : Requires accurate and complete debt disclosures.

15 USC 1692g ( b ) : Requires proper debt validation before collection activities.

15 USC 1681s-2 ( a ) : Mandates accurate reporting to credit agencies. 
Given the reporting discrepancy and potential regulatory non-compliance, I am requesting the immediate removal of the collection entry from my credit report. 

Please confirm the removal of this entry within the next 15 days. Failure to address this matter promptly will compel me to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies for further action. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I received an e-mail earlier this week seemingly from Bank of America that I had been denied for their XXXX XXXXXXXX XXXX XXXX card. I do not bank with Bank of America, nor did I ever apply for said card. I thought it might be a scam, so unfortunately I deleted the e-mail. Today ( XXXX ), I received a letter in the mail from XXXX XXXXXXXX XXXX stating that they couldn't approve my request for their XXXX XXXXXXXX XXXX XXXX card. 
I called the XXXX number and reported this, and they suggested I call Bank of America 's fraud line. When I call their fraud line, it's automated and I'm asked to enter my account number or other information that I don't have, as ( like I stated above ) I do not bank with Bank of America. I am concerned about my data having leaked and possible identity fraud/theft.
Consumer complaint received 2024-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I did a XXXX transaction back on XX/XX/2024. It was my mistake. I did send it to the wrong recipient, but I contacted that person and they contacted the bank to refund the money and I have proof from the other parties bank that theyve already taken the money out of his account and sent it back to mine on XX/XX/XXXX, his bank retrieve those funds back and sent it back to mine and I have Chase and theyre telling me that they have no money coming in. They keep giving me the runaround. They supposedly contact they said that has that money stuck in limbo Ive tried contacting them in regards of this and they tell me they can not help me since I did the XXXX transaction through my Chase app and its third-party app and I just keep getting the runaround from my bank and XXXX and I need to see where this money is at it is an amount of {$3500.00}. my bank does not seem to be really helping me. Theyve told me to contact the recipients bank again and Ive been on a three-way call with him and his bank and also Ive walked into the XXXX XXXX branch with him and they keep telling me the same thing that the money has been taking out of his account and its been sent back. Ive already sent proof of the reference number for the refund and also Ive showed physical copies of the gentleman bake statement showing that the money was already sent back
Consumer complaint received 2024-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (OH)

This company Transworld system is collecting adept that I do not owe which is based on identity theft I have submitted them a document but still they are trying to collect the money from me which is an identity theft I have provided them with police report and FTC report but still its on my Credit Report. I need this to be taken off.