davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LD Holdings Group, LLC (MO)

Loan Depot attempted to collect the auto-payment from my XXXX XXXX XXXX  account XXXX but the some of the needed funds were in a different account in XXXX XXXX. Loan Depot received a NSF response from XXXX XXXX, but failed to notify me either by email or phone ( which they have contacted me by both methods in the past ). When I noticed that the funds had not been taken for the XXXX mortgage payment, I called Loan Depot and requested the payment be taken. The agent said nothing about any fees. 
When I checked my LoanDepot account on the internet, I discovered that I was charged a late and returned check fee. They had created a letter to notify me, but had never attempted to email it to me, just sat in the webpage. 
When I chatted with their customer service agent, I was told that they " couldn't waive the fees ''. They stated " In accordance with XXXX XXXX guidelines, loanDepot must uniformly apply its policy on late fee or return fee waivers without discretion, except in cases of confirmed errors by loanDepot. For this reason, we are unable to waive a fee unless an error occurred. '' I stated that the error was not being notified, but they refused to accept any responsibility, and refused to waive any fees.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I recently pulled my credit report in which I saw an inquiry that was not authorized and I had no idea that a hard pull was done which is currently a # ecting my chances of employment along with a place to live. I did not consent to a hard pull or any pull. Please remove this inquiry immediately.
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (NV)

NOT CORRECTING INCORRECT INFORMATION ON CREDIT REPORT DESPITE REPEATED REQUESTS Inquiry from XXXX  XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX XXXX  XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : XXXX'There are multiple inquiries all within one day oF each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day ofeach other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

XXXX from XXXXXXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

XXXX from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Billing error 15 USC 1666b 16 car 433.1 HJR 192 Public law 73-10 full faith and credit and accounting on remittance on interest coupon dividends on my securities certificate of indebtedness Open-End Credit Account : I maintain an open-end credit account with Capital One Bank, account number Finance Charges and Credit Indebtedness : It has come to my attention that Capital One Bank has not credited my account with dividends derived from treasury coupons via the ETF Act . These funds, which should have been applied to my account to offset finance charges and reduce overall credit indebtedness, have not been properly credited. 1099 Forms : Additionally, XXXX XXXX XXXXXXXX has failed to provide me with all copies of Form 1099 for both past and present transactions. These forms are essential for tax reporting purposes and must be furnished promptly as they are considered income. Timely Payment and ETF Act Compliance : Under the Electronic Funds Transfer ( ETF ) Act and the Truth in Lending Act, payments made via treasury coupons should be applied promptly and accurately to my account. The finance charges applied to my account appear to be in violation of these regulations, as they are not required under an open-end credit customer credit plan. Certificates of Indebtedness : There has been no transparent communication or presentation of documents regarding the handling of my certificates of indebtedness securities. This lack of disclosure and clarity raises serious concerns about the management and reporting of my financial activities.
Consumer complaint received 2024-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX i was notified of a pending payment for {$440.00}. As my account balance was {$0.00} i did not authorize a payment for more than my {$0.00} balance. I was not expecting there to be a payment so I immediately called Bank of America customer service. The agent was not able to help me in any way. I asked for a XXXX call back which never occurred. 

I then contacted Bank of America XXXX office. A Bank of America XXXX XXXX XXXX  ( XXXX XXXX ) eventually said she would expedite the return of my money. She indicated standard returns can take 10 days or more to return my money and that an expedited " return would return my money much quicker. '' When I asked what Bank of America is going to do for overdrawing my account and for keeping me without my money for more than a week, she indicated Bank of America would do nothing. After expressing my dissatisfaction and her not doing anything, i chose to remain silent. Rather than being rude or cursing at her i figured it was more polite to just remain silent. She then proceeded to accuse me of wasting her time.I find this extremely insensitive given the number of hours I have spent on the phone or emailing Bank of America customer service without.Compensation for my time. XXXX XXXX was getting paid by Bank of America. I was getting nothing for the inconvenience and lost interest because of BOA 's actions and now I was being chastised by their XXXX XXXX XXXX for wasting her time. 

I asked XXXX to have her XXXX ( XXXX, XXXX ) called me. Her XXXX said my money would be returned to me soon and to let her know if it was not in my account within a few days. My money has not been returned to my account as of now which has been more than the 10-day standard return and this was supposed to be expedited. 

I left XXXX voicemails with XXXX, and XXXX emails with no reply. 

In short Bank of America took an unauthorized payment from my account when there was {$0.00} due, agreed that their billing system is confusing, has accused me of wasting their time, Had me without my money losing interest, falsely promised and expedited return, and will now no longer return any of my email or phone calls while also previously stating they will not compensate me for all of this. 

. You can listen to all of these recorded phone calls and view my written correspondence.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

XX/XX/scrub>XXXX  2022 Account XXXX  This account was not opened on my behalf an I wanted proof that I opened the account Ive never had an capital one account or card that I opened in my name
Consumer complaint received 2024-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (TX)

On XXXX XXXX, I sent a written request via US Mail to **Security Credit Services LLC** asking them to validate the debt they were attempting to collect from me. I requested detailed information about the debt, including : - The original contract, - An itemized breakdown of the amount owed, - Proof of their legal ownership of the debt, and - Verification of any payments that had been applied. 
I followed up with a second written request on XXXX XXXX, asking for proper validation through the court and sending a separate letter via mail, requesting that they cease collection efforts until this validation was provided. 

In response, on XXXX XXXX I received a **stall letter** from Security Credit Services LLC that failed to provide proper validation. Instead of giving me the requested documentation, they continued collection attempts, which is a violation of **15 U.S.C. 1692g** under the **Fair Debt Collection Practices Act ( FDCPA ) **. 

To date, they have not validated the debt, yet they continue to attempt collection and have applied excessive fees that I believe are unwarranted. 

Furthermore, I was not properly notified of the sale of this debt. XXXX did not send me any notification, nor did **Security Credit Services LLC** . The sale of the debt occurred on XXXX XXXX, XXXX, and I only discovered this information through their court proceedings. This failure to notify me and their continued actions without proper validation violate both **federal** and **Texas consumer protection laws**. 

Given these actions, I believe **Security Credit Services LLC** has engaged in **unfair predatory practices** and has failed to comply with their legal obligations under the **FDCPA**.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (IL)

Assignment of Mortgage added to our XXXX XXXX Records of Deeds without a Power of Attorney, also servicing rights sold without a Power of Attorney. XXXX XXXX was authorized servicer for XXXX who was our Noteholder and Investor as of XXXX, after XXXX  closing XXXX, JP Morgan Chase Bank continued to collect a Mortgage after the authorized POA date of XXXX, and never sent any payment to XXXX who was Noteholder and Investor, even on XXXX JP Morgan chase Bank acknowledge there was no Mortgage. JP Morgan Chase Bank then Sold the Servicing to XXXX without a Power of Attorney. XXXX has advised us there is no Lien, XXXX XXXX XXXX  has sent us Satisfaction of Mortgage letter, and 1098 from XXXX, which was all the documents they had, again because FDIC Nor JP Morgan Chase Bank never sent the Loan Modification documents and Lien Release to XXXX XXXX XXXX. XXXX XXXX XXXX  was then unable to Record the Loan Modification or Lien Release.
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XX/XX/year> Resurgent/LVNV Funding XXXX XXXX XXXX [ XXXX, SC, XXXX ] Subject : Request for Debt Validation under Section 609 of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally request validation of the debt that your company claims I owe, as per my rights under Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). I recently obtained a copy of my credit report, and I noticed an entry from your company regarding a debt that I do not recognize. 

The account in question is : - Original Creditor XXXX XXXX XXXX ] - Account Number XXXX - XXXX. 

In accordance with Section 609 of the FCRA, I request that you provide me with the following information : 1. **A copy of the original signed contract or agreement** that substantiates the debt.

2. **The full account history** and itemized statement of the account in question, showing all charges, payments, and fees.

3. **Verification and documentation** of the chain of custody of the debt, including any transfer or assignment to your company.

4. **The name and address of the original creditor** if different from the current creditor.

5. **Proof that your company is licensed** to collect debt in my state, including the license number and the effective dates of the license.

Additionally, please provide me with a full description of your process for investigating and verifying the accuracy of this debt, as well as any documentation you relied upon in reporting this debt to the credit bureaus.

Under the FCRA, you are required to provide me with accurate and complete information regarding this debt. If you are unable to validate this debt, you are obligated to promptly remove it from my credit report and cease any collection activities.

Please consider this letter as a written request for a full validation of the debt in question. Until I receive this information, I am disputing the validity of this debt, and I expect you to mark this account as " in dispute '' on any reporting to the credit bureaus.

I also request that you provide a written response within 30 days of receipt of this letter, confirming that the debt has been validated or, if you can not validate it, that it has been removed from my credit report.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (GA)

I discovered on XX/XX/year>, that a collection account has been reported on my credit file that does not belong to me. The account, listed under the name CAINE & WEINER with account number XXXX, is not mine and is the result of identity theft. The amount associated with this account is unknown to me, as I have never had any dealings with this company or authorized the creation of this debt. 

Immediately after discovering this issue, I disputed the account with the credit reporting agencies and initiated the process to resolve the identity theft. I have filed an identity theft report with the FTC and placed a fraud alert on my credit file. However, despite these actions, the collection account remains active and continues to harm my credit score. 

I have no knowledge of this debt, and I request that this collection account be removed as it is illegitimate and does not reflect any valid debt associated with me.
Consumer complaint received 2024-06-24
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. (NY)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Dear CFPB, I am writing to file a complaint against Capital One regarding their continued failure to update or remove an incorrect email address associated with my account. This email address is particularly concerning because it belongs to a company I no longer work for, and it is still actively monitored by other individuals due to my former position within that company. As a result, any emails sent to that address are forwarded to other personnel, compromising the privacy and security of my sensitive financial information. 

I initially notified Capital One of this issue on XX/XX/year>, and I have made several follow-up calls on XX/XX/year>, XX/XX/year>, and most recently on XX/XX/year>. On XX/XX/year>, and XX/XX/year>, I spoke with supervisors who escalated the matter to the technical team, but the issue remains unresolved. On XX/XX/year>, the XXXX Department verified that there are no old accounts tied to the outdated email address, which was initially given as the reason for being unable to remove it. Despite this, I am still receiving account-related emails to the compromised address, including today, after my latest attempt to resolve the issue. 

Given that I hold XXXX credit cards and an XXXX  loan with Capital One, the continued use of an email address that is no longer under my control raises serious concerns about the protection of my personal and financial information. This situation may constitute a violation of privacy laws, including the Gramm-Leach-Bliley Act ( GLBA ) and Fair Credit Reporting Act ( FCRA ). 

I respectfully request that the CFPB investigates this matter to ensure that Capital One resolves the issue promptly and protects my information as required by law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Eastern Account Systems of Connecticut, Inc. (SC)

Eastern Account Systems continues to report XXXX XXXX on my credit report file. I have filed FTC Report for identity theft. 

This company ignores all communications. I even responded back stating this account wasnt mine and they still reported on my credit report. 

Please remove from my credit report. I have attached a FTC report. 

I was instructed to complete FTC Report and it would be removed from my credit report. 

This company has lied several times regarding the process.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (PA)

On XX/XX/XXXX, I received an email from Chime stating that the phone number associated with my account had been changed to ( XXXX ) XXXX a phone number and email address were provided if I did not request the change. I emailed XXXX and stated that I never applied for any Chime products. Next, I received an email from XXXX at Chime saying Welcome to your new account stating that they were personalizing my new Chime XXXX XXXX XXXX and would be sending it out in a few days. Next, I received an email stating '' Your XXXX XXXX application is almost complete. 

When I emailed the support address to explain that I never applied for a Chime product, I received a response stating that they could look into it if I would upload a copy of my government ID to the secure link provided in the email. 

I did not communicate with them further. This morning, I received a voicemail message from ( XXXX ) XXXX claiming to be the fraud department at XXXX Bank, my regular bank. 
I did not respond because that is not how XXXX Bank Communicates problems. I have sent a secure message to XXXX 

I suspect that all these communications are an attempt to defraud.
Consumer complaint received 2024-10-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (MS)

I have been disputing this debt for 4 years it was charged off, I have a court date in XXXX XXXX MS XXXX XX/XX/XXXX, the statute of limitations is up ( Mississippi Law 3 years ) XX/XX/year> 2020
Consumer complaint received 2024-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern the per 15USC 1692-C it should be removed from my account. The collection agency failed to provide me with the documents I requested as follows has it been any insurance claim found on this debt? I want to see the claim of Title that you have to collect on this debt. Please provide all the documents within XXXX  days or please remove it from my credit report. per 15USC 1692-C it should be removed from my account Thank you
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NJ)

My federal student loan servicer is EdFinancial, and for the past few payments I've submitted, specifically ones on XX/XX/23 and XX/XX/23, they've somehow " received '' less than what my payment confirmation and bank statements show. For example, I paid {$400.00} for my XX/XX/23 payment, yet they only received {$250.00}, and I paid {$4500.00} for my XX/XX/23 payment and they only received {$4400.00}. Furthermore, after calling about this, they were slow to set up and ticket and didn't have an explanation for why it is occurring. Additionally, I've called about this issue numerous times, and have yet to receive any sort of resolution about it.
Consumer complaint received 2024-07-15
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: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :