davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (IN)

During the month of XX/XX/XXXX my roof was damaged in a hail storm. I reached out to my insurance company XXXX XXXX and within XXXX weeks I had a check for {$9500.00} made out to me and Rushmore Loan Management. I signed and sent them the check and they sent me XXXX XXXX of the funds {$4700.00} but made out incorrectly so the check was voided and sent back to Rushmore Loan Management. They sent me another check but in the meantime my roofer was injured on another job and unable to do my roof so I voided the check and sent it back to Rushmore Loan Management. On XX/XX/XXXX, Rushmore Servicing took over my mortgage from Rushmore Loan Management and I reached out to Rushmore Servicing to get funds to finally get the roof done. No problem Within XXXX weeks I had XXXX XXXX a check for {$4700.00}. Roof was replaced and i called Rushmore Servicing to have an inspection done to release the rest of the funds. I got the inspection done and I have been waiting for my 2nd check for {$4700.00} since the end of XX/XX/XXXX. 
They have told me several different things from they don't know where the money was escrowed at when they took over my loan to the check was cashed and they are waiting in a copy which will then need to have a stop pay put on it and then reissued. 
I am a single mom XXXX XXXX  XXXX XXXX XXXX. I have paid my insurance premiums since I built the house in XXXX and never had an insurance claim before this roof. Now I am having to pay the contractor myself because they won't give me my money. I am reaching out to you for help because I don't know what else to do. I just want the {$4700.00} to pay my contractor for the roof job that he did. Can you please help me.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

I am filing this complaint regarding inaccurate and outdated information on my credit report, which is negatively affecting my credit score. Several accounts are listed as delinquent, charged-off, or in collections, even though they have been settled or are not reported correctly. Specifically : XXXX  XXXX XXXX Account ( Opened : XX/XX/XXXX ) : This account is incorrectly marked as charged-off, but it was settled for less than the full balance. The settlement details have not been updated. 

XXXX  XXXX XXXX Account ( Opened : XX/XX/XXXX ) : Similarly, this account is listed as charged-off despite being settled for less than the full balance. This status should be updated to reflect the settlement. 

JPMCB Card Services : This account was marked as a collection/charge-off, but it was settled for less than the full balance, and this has not been reflected on the credit report. 

XXXX XXXX Account : The credit utilization is reported as 103 %, which is inaccurate and greatly affects my credit score. The balance should be updated to reflect accurate information. 

Additionally, there are five collection accounts reported, all of which were settled or paid, yet these accounts remain in collections on my credit report. I believe this information is outdated and incorrect. 

I request that these accounts be properly updated to reflect their correct status, including settlements and paid balances. The continued reporting of these incorrect items is damaging to my credit profile and does not reflect the true status of my accounts.
Consumer complaint received 2024-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (NV)

sold to and bought by a third party ( collection agency ) and i have no liability to a third party because i do not have a signed contract with XXXX XXXX. Because this debt was sold to a third party agency that means the account was a charge off therefore it will be considered income and income can not be reported on my credit report because it is now a Certificate of Indebtedness. By law this must be removed.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have early direct deposit and when I checked to see if it was posted. There was no money deposited. I called payroll and they said they had sent it to the bank so I called Capital one and asked them where my money was and they sent me to claims and they told me it was being investigated and they have 45 days. I asked them if they were going to credit my account as they always do in a few minutes when I have had a dispute. These people told me they have to wait until the investigation was done. So I have no money and they lost it but I have to go without funds to pay my bills. I am already overdrawn in my checking account by not having money in my account. They just kept telling me their hands were tied. This. Has to be illegal for them to withhold giving me a credit due to their error. I am a XXXX XXXX XXXX woman that lives pretty much paycheck to paycheck. I am upset that I won't be able to even buy food.
Consumer complaint received 2024-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Dear XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2024-10-15
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: CITIBANK, N.A. (NY)

I purchased a chandelier for {$1600.00} from Designer Lighting ( XXXX NJ ) in XX/XX/year>. It arrived damaged. The merchant agreed to refund me if I returned the item. They promised to send me a return mailing label many times but 4 months later and they have not sent it. I filed a billing dispute with Citibank Master card. After 4 months Citibank said although my proof was more than sufficient to justify a refund the merchant refused to issue a refund. Doesn't Citibank have means to collect that from the merchant? Arbitration? Escalation to Mastercard? Just because the merchant is a fraud and will not issue a refund ( even though they did say in writing they would refund me multiple times ) does Citibank just accept that and not get my money back? Doesn't Citibank have other means to get that refund to me? I would think many merchants would simply refuse to refund for a billing dispute if they never had to refund money.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

I have not received a validation response request for verification of the debt for account number XXXX, you have not sent me proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collector 's validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtor 's credit ) until you properly validate and verify the debt amount. 
THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. it's my understanding that XXXX, XXXX, XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify CAPITAL ONE AUTO FINANCE '' XXXX
Consumer complaint received 2024-10-14
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: AMERICAN EXPRESS COMPANY (CA)

I disputed the entire outstanding balance of {$4500.00} American Express Hilton credit card back on XX/XX/year>, but the company kept rejecting the case. I called in Amex card company on XX/XX/XXXX, to dispute the charges, the representative said that they already closed my Amex credit card and declined the charges to protect me because it was unusual amount. But later on, the more higher amount charged again, so I disputed it. But the Amex kept rejecting my disputed transaction amount. Please concern
Consumer complaint received 2024-08-23
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

NJ XXXX of the Attorney General XXXX XXXX XXXX XXXX Complex XXXX Floor, XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX Dear sir, I have received a mail from someone unknown addressed XXXX XXXX XXXX, XXXX, PA XXXX XXXX which possibly Synchrony Bank, since XXXX XXXX a ( replacement ) billing statement for a TJX Rewards Platinum XXXX XXXX which account XXXX number XXXX. The credit card offer was suddenly closed due to the issues over rewards certificates. I insisted I could not use the certificates ; however, Synchrony Bank insisted I used them. Since the issue became persistent and I considered to worthless to keep the card and continue to have the frustration over discussion, I asked to close the card ; therefore, Synchrony Bank abruptly closed my card ending XXXX. In this statement, we can see there were two credits from XXXX XXXX XXXX CA {$130.00} ( XX/XX/year> ) and {$91.00} ( XX/XX/year> ). And it says the refund check ( {$220.00} ) was issued. From the beginning I never asked XXXX to refund to this credit card, since already I did not like this credit card ; therefore, why the people think I would ask XXXX, other financial company to transfer/refund my money to the company in issue. I asked XXXX several times and it just answered it refunded to the credit company. I do not know why XXXX has decided to refund. At least, I remember when same kind of refund matters happen, usually XXXX keeps that amount as the credit inside. However, this time, XXXX refunded without my permission to its mother/financial company, Synchrony Bank XXXX Since I consider this company is suspicious and did some phishing action to me, I consider myself that I can say XXXX intentionally send my credit {$220.00} to the credit company. Unfortunately, the customer service did not know we had the issue over certificates and near closure of the card, my credit disappeared. Unfortunately, I do not remember I received the credit card ending XXXX. If not, maybe Synchrony Bank mistakenly happened to give my refund check to the third person, who impersonated me. That person might have asked to create the next replaced credit card ending XXXX. Recently, I received an email from Synchrony Bank to tell me that I am a cardholder of the credit card ending XXXX, which I did not recognize at all. I hate the idea I have the credit card of this company. I just want to know whether this company really gave the refund check to the other person and cause the loose of my {$220.00}. This is my right to insist the recovery of my money {$220.00} from Synchrony Bank.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LDF Holdings, LLC (FL)

These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MD)

My XX/XX/XXXX credit card application for the XXXX XXXX XXXX American Express card was denied due to a XXXX cancelled debt. I was advised by customer service representative from the reconsideration team to have my lawyer ( who I no longer have contact with ) contact the companys Legal department to discuss the matter and was not advised of the reason for the discussion. I reiterated my confusion as to the reason why Im being subjected to credit denial after a XXXX XXXX old cancelled debt, I know this doesnt happen to others ( majority ) who have filed Bankruptcy on numerous occasions and applied for the card seven years after the discharge. I was then told that the company had the right to refuse based on their own discretion and internal policies. However, the company indicates in its policy their adherence to the Equal Credit Opportunity Act. Im almost certain theres some discriminatory actions taking place within American Express, and am curious to know how many minority applicants are denied credit after a bankruptcy discharge versus the majority, as well as the number of years the discharged customer is subjected to denial after the cancellation for each group. Please help.
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (HI)

A friends account was hacked. We sent the payment to the account not knowing it was hacked. Contacted the bank who could not stop it and contacted Zelle who refused to do anything ; they actually hung up on me! They refused to follow their own company policy and federal consumer protection laws requiring them to refund the fraudulent scammed transaction. XXXX and XXXX XXXX {$1000.00} Company refused to help ; escalations supervisor refused to transfer me to her supervisor then transferred me to the general customer service number. She said she is the supervisor and there is no one above her. They refuse to share their policy requirements for a refund. They refuse to refund fraudulent transactions.
Consumer complaint received 2024-08-22
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. (CA)

As per the Fair Credit Reporting Act 15 USC 1681 section 602, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX, being consumer reporting agencies, and I, as the Consumer, have the right to ensure the non-disclosure of my private information, in accordance with 15 USC 6801.

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. '' [ Furnisher of information to credit agencies ] is a financial institution by definition under that title. 

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. '' XXXX XXXX XXXX  the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent whether verbal or written to furnish this information. Any and all alleged consent to Equifax, XXXXXXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' However, XXXX XXXX XXXX  failed to inform me of my right to exercise my nondisclosure option. 
Additionally, 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 again without my permission which is against 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. 
Equifax and XXXX are not maintaining reasonable procedures. 
Finally, 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 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am in the process of purchasing a home. When the lender ran my credit report, Capital one is showing I have an open account, but the account payments has not been reported to the creditors since XXXX of XXXX  I contacted Capital One auto finance to see why payments has not been reported, customer service rep did not have any answers as to why nothing has been reported. I requested a letter to submit to the lenders to prove I have been making payments, but Capital One stated they are unable to provide any reason. I advised Capital One that this is holding up my process of purchasing a home. Representative stated I would have to print off transaction statement and submit to the lender. I advised Capital One that they are wanting the account to be reported to the bureaus.
Consumer complaint received 2024-10-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TX)

The apartment complex XXXX XXXX is attempting to collect a debt that is not owed to them. I applied to this XXXX XXXX last year in XX/XX/year> and did NOT go through with the application. I contacted the leasing office to let them know I decided not to go through with the process. After not hearing from them in a timely manner they still decided to process my application. The leasing agent, XXXX XXXX, did not honor my request and was very dismissive, cold and unconcerned. I DO NOT OWE THIS XXXX XXXX ANYTHING and this debt needs to be removed. Its fraudulent.
Consumer complaint received 2024-08-20
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: Exeter Finance, LLC. (FL)

I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because [ XXXX XXXX XXXX  XXXX ] XXXX XXXX is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.