davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (IL)

Hi, I am a XXXX XXXX and have experienced financial issues due to my service connected XXXX. I have setup a settlement agreement with Chase Freedom card where I paid XXXX for four payments. I made all 4 of those payments. I even called Chase freedom settlement department to confirm that the last one went through and they said yes everything looks great because the last payment had to be on an XX/XX/XXXX per the settlement agreement. On XX/XX/ I check the account and expected to be XXXX balance and noticed the account was XXXX. I checked and it showed XXXX was returned because of insufficient funds. I tried calling the department back to get this resolved because the person I called stated the last payment was posted on their account. The person I talk to the second time advised there is nothing they can do and the account will be charged off. I stated to them how is this my fault when you returned the last payment to me on the last day and did not notified me of this so it can be fixed immediately.
Consumer complaint received 2019-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (WA)

I got behind 90 days because the website ( specialized loan servicing ) won't allow you to pay just 1 month if you are behind. They force you to pay the full amount so you stay behind. My other Mortgage company ( XXXX XXXX XXXX ) lets you pay any amount you want and pay  extra to the principal if you want. I called XX/XX/2019 to pay the 90 days and they would only allow me to pay 2 months worth so I'm now 60 days behind because a new bill came out. I tried to pay 1 month on their website on XXXX XXXX 2019 but it won't allow me to do so. I would just pay the 2 months to catch up but I only have 1 months worth I can pay this month ( which would bring me current ) but I'm not allowed to on the website since 1 owe 2 months. They make it hard to pay if you get behind and I don't think that's fair. It just keeps you behind. I don't know what kind of rules there are for this case but hopefully there is something. 
Thanks, XXXX XXXX
Consumer complaint received 2024-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (MD)

In my previous complaint, I explained that Shellpoint took over 60 days to locate my {$20000.00} principal payment, which was wired from XXXX XXXX to Shellpoint with my contact information. By the time Shellpoint finally located my payment, my loan had already been transferred to XXXX XXXX XXXX. 

The new issue pertains to what happened when Shellpoint forwarded the {$20000.00} to XXXX. In addition to sending the correct {$20000.00} payment, Shellpoint erroneously sent a duplicate {$20000.00} payment, effectively

applying two {$20000.00} payments instead of one.

I identified this duplicate payment when it appeared on my account with XXXX on XX/XX/year>. After reviewing the situation, XXXX confirmed that Shellpoint sent two separate {$20000.00} payments, and clarified that this was not an error on their end. However, Shellpoint only has records of sending a single {$20000.00} payment and has no documentation of the duplicate transaction. As a result of this error, my loan balance is now incorrect. 

XXXX has been attempting to communicate with Shellpoints transfer servicing team for over two weeks to resolve the duplicate payment issue, but no progress has been made. I have also called Shellpoints customer service line, but they are unable or unwilling to assist with this matter. Because Shellpoints negligence in ser
vicing and transferring my loan has caused my loan balance with XXXX to be inaccurate, I am currently unable to refinance my loan. I had locked in a refinance rate for XXXX, but due to this issue, I may have to extend my rate lock, which will cost me {$3000.00} every 15 days.
Consumer complaint received 2024-08-15
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: ENCORE CAPITAL GROUP INC. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, XXXX  XXXX  Dear XXXX XXXX, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws under XXXX, XXXX, XXXX XXXX. 

It has unequivocally come to my attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX  XXXX XXXX  emphasizes the necessity of consumer consent for credit reporting. Furthermore, XXXX  XXXX XXXX establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX XXXX  to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX XXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable XXXX XXXX XXXX. Failure to comply within the stipulated XXXX-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX XXXX XXXX. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX XXXX  will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-07-02
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: Experian Information Solutions Inc. (MI)

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 :
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Recovery Services, Inc. (CT)

On XX/XX/year> around XXXX I received a text claiming to be from " XXXX XXXX XXXX a " XXXX XXXX I, XXXX '' account that I do not recognize. This text can be seen in the attached. It was vague and provided a phone number and a link XXXX. I am suspicious of this correspondence for the following reasons : 1. I have no known overdue debts and my credit report reflects the same. 2. The usage of acronyms instead of properly spelling out the company name for easy dispute 3. I have not received a mailed letter providing proof of a debt as required per the Fair Debt Collection Practices Act.
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

I am requesting a method of verification. I am needing a description of the procedure that was taken for this company to state the accuracy of this account. I need a method of verification and documentation that XXXX, XXXX, and XXXX has on file that states that this information is indeed one hundred percent accurate and correct? Who did you interview regarding the disputed items? Please provide this information to me by email XXXX or by mail XXXX XXXX XXXX XXXX XXXX TX, XXXX within 5 days or remove this account and delete it immediately. 
Acct # XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (AZ)

I had a cashier checks given to me for products. these checks were scanned in incorrectly by XXXX and the money was spend. Now I'm being help liable by my XXXX XXXX XXXX due to an incorrect scanner by XXXX.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TN)

Opened Chase XXXX  Checking and Savings accounts with {$32000.00} deposit, a check issued by XXXX, from my XXXX distribution on XX/XX/year> to qualify for {$900.00} Chase bonus. Chase emailed me on XX/XX/year> stating I was a victim of fraud and my account may be closed. After weeks of multiple attempts with the help of my local Chase XXXX XXXX Branch Manager and Relationship Banker in XXXXXXXX XXXX, Chase 's " back office '' in XXXX XXXX refused to verify my XXXX check and ultimately closed my checking account withholding my {$32000.00} without interest payments or bonus until XX/XX/year>. Chase Executive Office informed me in that when I signed the Chase XXXX  Checking Account agreement ( XXXX pages long ) that Chase has the right to restrict my funds, " for any reason, or no reason, forever '' and ever, XXXX.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: World Acceptance Corporation (TX)

XXXX XXXX World finance corporation Both items were unauthorized and by law they need my permission to put thing on my credit report!! According to FCRA section 605b, it is illegal to report information on my credit report without my permission thank you!!
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I keep getting mail from American Express, specifically to sign up for their credit card. 

I do not have, nor will I ever sign up for an American Express card or bank account.

Over the past 1.5 years maybe 2 years Ive been calling American Express to ask them to stop sending me mail. It stops for about a month and then they start again. 

Can you please get them to stop.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: American Coradius International LLC (OH)

Im reaching out to you because Im at my wits end with XXXX and XXXX. Despite providing them with everything under the XXXX reports, identity theft affidavits, and even proof that XXXX already removed the fraudulent accountthey still refuse to remove this bogus debt from my credit report. 

Heres the situation : I was a victim of identity theft, and someone used my information to purchase a vehicle in Ohio while I was living in XXXX. I have never, and would never, buy a car from another state while residing in a different one. Ive explained this to XXXX and XXXX multiple times, and I even backed it up with documentation proving I wasnt living in Ohio at the time. Yet, here we are. 

XXXX, after their investigation, immediately recognized this account as fraudulent and removed it from my credit report. But for some reason, XXXX and XXXX are dragging their feet. To make matters worse, I just received a collection letter from a third-party agency trying to collect {$28000.00} on behalf of XXXX XXXX XXXX for this same fraudulent debt. This is crushing my credit, and I cant use my credit for anything because of it. 

Im particularly frustrated because of the recent response I received from XXXX. They told me to check my credit report for the results of my dispute. The problem is, Im not convinced theyve done any real investigation on their end. It feels like theyre just brushing me off, which is why Im turning to you.

Theres also something I want to bring to your attention. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court made it clear that if one credit bureau removes inaccurate information after a proper investigation, the others must follow suit. So, why are XXXX and XXXX still reporting this fraudulent account when XXXX has already removed it? It doesnt make sense, and its completely unfair. 

I hope you can help me get this resolved. Ive been through enough with this identity theft mess, and its about time these credit bureaus did the right thing. This is about more than just my credit score ; its about getting my life back on track without this unjust burden hanging over me.

Thank you for your time and attention to this matter. I look forward to your response and hope this complaint brings some much-needed resolution.
Consumer complaint received 2024-10-01
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (MO)

I got a kays credit card I'm XXXX of XXXX. I was told by the salesperson that with their promotion, I would not have any interest for the first 18 months I had the card. She never said anything about having to pay off the entire balance or my interest would compound and be added to my balance. So I was quite confused when I had {$1500.00} of interest added onto my account. I called XXXXXX/XX/XXXX on XX/XX/XXXX and the person I spoke to said " yes I understand. They don't always explain the promotional things very well. They just try to sell the cards. '' Or at least something to that extent.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2024-09-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo closed three persona saving account and XXXX business accounts on us, and refuse to give us any reason, plus they reported a " Close for Cause '' violation to XXXX XXXX which has caused us loses in opening account with other banks. I had these accounts from XXXX to XXXX, and the business account even longer. I have never over draft or done anything to deserve this treatment. Plus Wells Fargo never notified me, they just close all the accounts with no warning, no email, no message to their application on my phone, no mail, no phone call. They sent mail " ONLY '' after the accounts were closed. I called them several times and got the run around as to why they closed the accounts, was not able to get an explanation, what is worse now is a negative in the reporting agency.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Privacy and confidentiality under 15USC 1681. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  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 a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disagree with the reporting of the collection accounts listed below, which persist on my credit report despite your previous investigation. I request an immediate re-investigation of these items as their inaccuracies severely impact my XXXX XXXX. 

Per the Fair Credit Reporting Act ( FCRA ) ( Public Law XXXX ), Title VI, Section XXXX, Subsection XXXX, and the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g, please provide me with the names and business addresses of each individual with whom you verified and validated the information. Additionally, please send me an updated copy of my credit report after completing your investigation. 

Collections : XXXX XXXX XXXX XXXX XXXX XXXX  Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the FDCPA 15 USC 1692g, the agency was required to notify me in writing within XXXX days of the debt being placed on my report, which did not happen. As the original creditor, only I can validate this debt, and I do not validate it.
Consumer complaint received 2024-10-07
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. (AZ)

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Thank you for your time and help in this matter.