davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to TXXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST PORTFOLIO SERVICING INC (NJ)

I sent a complaint about a fraudulent credit card with Total visa here on cfpb, which they responded that they would have the account removed from my consumer report within 45 days. Its now been 60days and the account continues to report on my consumer report.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (PA)

Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written, unwritten, verbal and non Verbal per 15 usc 6802
Consumer complaint received 2024-07-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

XXXX. I applied for a XXXX XXXX XXXX XXXX  through the website XXXX XXXX for a position of XXXX XXXX for a company call XXXX XXXX. ( Oficial Website XXXX XXXX XXXX XXXX XXXX But the website he had on his profile was : XXXX XXXX XXXX XXXX They send me a text message that my resume was review and I was a possible candidate. Then instructed me to download the application " XXXX  '' by XXXX the have conversations through there. ( Note : I have all the conversations on my phone ). 

XXXX. We hace conversations for 2-3 about the position, asked my several qualifying question about the position and mentioned multiple times that when and if I was approved for the position I would have a XXXX  meeting with " my supervisor ''. 

XXXX. After 2-3 days the person said I qualified for the position and sent me a document, like a job offer, through my email to accept the job. I signed the job offer and sent it back. ( Note : no personal information like social security was on the job offer. Just my name and signature. I still have the job offer document. ) XXXX. After that the mentioned they would pay for my equipment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They sent me a check through my email to be deposited on my bank account for the purchase of the equipment for a total of {$2100.00}. 
( Note : I still have a copy of the check. Also the email address the check was sent to me is : XXXX. 

XXXX. The person told me to send {$2000.00} to a third party vendor for the purchase of the equipment named " XXXX XXXX '' which I have all the information of the account which is own by XXXX XXXX. 

XXXX. After this the person told me to do another deposit which seemed odd to me and I told them that I won't until I speak to my supervisor or someone through XXXX. The person XXXX  and never responded. Next morning I went through my bank my was too late, my account was overdraft and there's nothing they can do about it.
Consumer complaint received 2015-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION (AL)

Opened new mortgage with BBVA Compass in XXXX first payment was due in XXXX XXXX. By my calculations my amortization is off. They are showing a balance of {$55000.00} and I am showing the balance should be {$54000.00}. Therefore charging me more interest that what I should be paying. I have been on auto debit since day one and have never been past due.
Consumer complaint received 2024-07-30
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (OH)

Sunrise credit services XXXX ( XXXX ) XXXX Put an old XXXX bill on my credit report today that was from XXXX It was listed in my bankruptcy with XXXX  and was discharged. They have no legal right to this debt nor the right to put on my credit and drop my score.
Consumer complaint received 2024-07-27
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (HI)

The following account is hurting my credit rating, credit standing, and credit capacity TD BANK USA/TARGETCRED [ Account # XXXX ]. Pursuant to section 623 ( b ) ( 1 ) ( E ) ( ii ) I am demanding that this agency removes this account from all of my consumer reports as it is inaccurate, incomplete, and/or unverifiable. This account was removed from a consumer reporting agency because it did not comply with the FCRA therefore as a supporting documentation, your agency now has a reasonable cause to believe that the furnished information is inaccurate and must be permanently removed from my consumer reports.
Consumer complaint received 2024-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (FL)

Mortgage Service Company : Shellpoint XXXX XXXX XXXX XXXX XXXX XXXX Please note the following : Shellpoint added {$250.00} to our loan around XXXX XXXX XXXX XXXX XXXX. We have requested information from Shellpoint regarding the reason for this charge but have not received any response. Additionally, Shellpoint has been frequently adding {$25.00} fees to our mortgage balance, as if we were paying late. It appears that Shellpoint might be intentionally delaying the processing of our payments to impose these {$25.00} late fees. 

So far, Shellpoint has added {$75.00} in late fees to our account. Bank representatives have assured us that these fees would be removed, but the adjustments have not yet been made.
Consumer complaint received 2024-07-27
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

Have filed multiple complaints last complaint I was told to contact company and have now been refunded for one item and am pending refunds for the others. I want an explanation from Synchrony on why they failed to achieve these same results as they did not properly investigate my dispute and repeatedly provided incorrect information as a means to deny my dispute. You can say you stand by your decision again but I am going to be in contact with the merchant regarding my refund and then I fully expect you to explain why your process did not yield the same results and I want a full explanation of what was done on your end as you are all in violation of my rights as a consumer to a fair resolution process
Consumer complaint received 2024-07-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC. (PA)

First of all thanks to CFPB for helping me resolve the issue where SoFi bank charged an extra student loan amount of {$25000.00}. Though SoFi took the complaint ( XXXX ) positively, a part of the issue is still pending. I'm supposed to get a refund of {$420.00} and SoFi responded to the complaint on XX/XX/XXXX that they would deliver the check within 30 days. Now, it's been more than 3 months, and still no response or status update even though I reached them earlier. I made the last call to their team of account managers about 10 days ago. The kind lady acknowledged the issue and said they would respond via email about the status within 7 days once they heard back from the concerned team. But this is back to square one and again SoFi ghosted me.
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (HI)

I had multiple unauthorized charges on the night of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Persona and XXXX  XXXX were the two merchants - and the unauthorized quantity amounted to at least {$570.00}. I needed to freeze my accounts, debit card, and dispute the charges. I requested my debit card information in order to file a police report. I also requested to file a dispute on the charges and was told I would be unable to do it until the charges were complete. I saw the charges and froze my accounts and debit card on XX/XX/XXXX, around XXXX Hawaii XXXX. I called them to do this and was told to wait until XXXX XX/XX/XXXX XXXX  XXXX to be able to dispute the charges. I called them around XXXX XX/XX/XXXX and they told me I needed to wait until my charges are no longer pending to dispute it. They also told me they are unable to tell me my debit card information, even though my debit card was lost and used without my permission so I can no longer figure out what the information was. I stressed that I needed this information to properly file a police report and they told me that it's still not possible. They also told me they have no way of knowing how to contact the merchants that charged this card for me to be able to try to dispute it.
Consumer complaint received 2024-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Newport Intermediate Inc. ()

We was given XXXX x XXXX tokens by XXXX. We used one and have yet been able to spend as merchants keep denying payment. 

The tokens have as very last line an expiry date. I would have never imagined that cash would expire. We didn't even see that date. When I asked the helpdesk on XX/XX/XXXX they told me they expired, on XX/XX/XXXX. She then said I after I challenged the date, she said I mean XXXX. I then at this point checked the emails and there is the date l, which is hidden. 

I am not happy that this was hidden and also that we wasn't advised at the time that these had an expiry date.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Financial Credit Network Inc (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE ACCOUNTS THAT ARE NOT MINE. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT AND DELETE THE ACCOUNTS AS SHOWN BELOW. I HAVE SENT DISPUTE LETTERS ON and filed a police report XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$4100.00} {$4100.00} {$4100.00} No. of Months ( terms ) : - - - High Credit : {$3500.00} {$3500.00} {$3500.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Charge off Collection/Charge off Collection/Charge off Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

My account was frozen due to a mobile deposit if a check being flagged as suspicious. I received instructions to call for support which I did. They asked me questions about the check and contact information of the issuer which I provided. They would not give me a timeline of when my account would unfreeze. SoFi is my only checking account at the moment and I can not pay my bills without access to my funds. The check can be withheld without my entire account being frozen. They refused to give me a time of when my case would be looked at which is very unprofessional. I can not pay my bills if I dont have access to my account.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (GA)

Subject : Dispute of Inaccurate Information on XXXX XXXXXXXX, and ARS Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX XXXX, and ARS consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities.

Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : 6. Methods Used : Please describe the specific methods and procedures used to verify the disputed information. 
7. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

8. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

9. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

10. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by XXXX may violate my rights under the following laws : 6. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports. 
7. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

8. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

9. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

10. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX XXXXXXXX, and ARS report. Specifically, I ask that : XXXX. XXXX, XXXX, and ARS provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, XXXX, and ARS corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, XXXX, and ARS report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Consumer complaint received 2024-07-27
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: CREDIT ACCEPTANCE CORPORATION (MI)

Credit acceptance corporation XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ca XXXX XXXX # XXXX 15 U.S. Code 1692c Debt collectors can't contact consumers without their consent or a court order. They also can't contact consumers at unusual times or places, or at times or places that the consumer might find inconvenient. Debt collectors are generally assumed to find it convenient to contact consumers between XXXX XXXX and XXXX XXXX local time. Debt collectors also can't contact a consumer 's attorney unless the attorney doesn't respond within a reasonable time or agrees to direct communication.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (NY)

To Whom May Concern My name is XXXX XXXX I have written your bureau multiple times & also submitted identity theft reports multiple times & your company just wasnt trying to hear what I had to say regarding incorrect information on my credit report. So I took further action & contacted the deputy commissioner of my state XXXX to verify indeed that these account reporting on my account couldnt had been me due to me being incarcerated for those years the accounts was opened & received I dont know if it was a family member that did or not but those accounts wasnt approved by me & truly wasnt made by me. I have the letter attached to my letter as well and I have police report, identity theft report & lease of my address attached too and I will also attach my information so your company can verify me & also have my identity report attached again with this letter to see which accounts Im speaking on. Im sorry for the inconvenience and Im sorry that I had to go this far to contact the commissioner of my state. Also the address that is on my credit profile is invalid I never lived at 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 Address for alleged debt is not on my report & I have my lease to my apartment attached to this document also have the letter from the deputy commissioner to verify I was incarcerated at the timing of the alleged debt owed to TD BANK USA/TARGETCRED Account Number - XXXX & also the alleged Debt owed To XXXX XXXX Account Number XXXX. I also have the accounts listed below with the balances & how much the alleged debt are so I can get verified. Key facts that prove that the alleged debt is not mines are & was fraud XXXX. I was incarcerated from XXXX commissioner documents to prove it XXXX. Lease to prove that was incorrect for my legit address lease shows the address & the dates of the rental lease. 
XXXX. My address for the alleged debt is not on my profile PLEASE HAVE THESE ACCOUNTS REMOVED IMMEDIATELY THESE ACCOUNTS ARE ALLEGEDLY INCORRECT & NOT MY ACCOUNT THEY ARE FRAUD ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT NEED TO BE REMOVED BELOW. 

XXXX {$96.00} Account # XXXX TD BANK USA/TARGETCRED- {$450.00} Account # XXXX DOCUMENTS ATTACHED WITH THIS PAPER XXXX. COMMISSIONER LETTER TO VERFIY I WAS INCARCERATED XXXX. IDENTITY THEFT DOCUMENTS XXXX. ID XXXX. MY LEASE FOR MY APARTMENT TO VERIFY MY APARTMENT CORRECT ADDRESS XXXX. Police Report
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CO)

Fraud charges and dates : XXXX XXXX XXXX XXXX  {$1100.00} XX/XX/year> CLIP XXXX {$1100.00} I disputed these XXXX charges XXXX minutes after I was notified by Chase Bank that there were suspicious charges made on my credit card in XX/XX/year> while in XXXX XXXX, XXXX. These amounts were charged to my credit card by a taxi driver for a {$5.00} taxi ride. The driver told me the first charge did not go through, so I gave him my card again He said the second charge did not go through, so I paid him cash and he drove off. Minutes later I received a notice from Chase that suspicious charges had gone through my credit card account. I CALLED IMMEDIATELY. I spent hours on the phone, with spotty service in XXXX, to confirm that these were indeed fraudulent charges. 

After many months Chase Bank has determined that these charges were valid! I can not understand what kind of investigation would find these charges legitimate. This may be a small amount of money to Chase Bank but to me it is sizable. I was robbed in XXXX, charged {$2300.00} for a {$5.00} taxi ride and now I am victimized again by the credit card company who promised to protect me from this kind of theft. 

I have been a loyal customer and used this card exclusively for my business for many, many years. This is only the XXXX time in all those years that I have submitted a claim for fraud. I am completely devastated by this decision and intend to fight it until the money that was stolen from me is rightly returned. 

I am requesting that Chase reopen the investigation into these charges and provide me with a full accounting of all investigations done and what the findings were.
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

td bank closed my account after XXXX week is open. the reason for them to closed my account is i had too much XXXX XXXX XXXX  payment and XXXX  payment but when i open the account, i noticed the bank that i will had payment from different people and different countries. people making payment to me in bank account because i work remote with different countries. i go out of XXXX to different countries within XXXX to XXXX year later. now td bank company is complaint that had too much XXXX XXXX XXXX XXXX XXXX  payment.
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

Today XX/XX/year> I go to log into my mobile app as Ive done for the past few years and it was locked so I phoned chase bank the representative tells me my account has been closed, I ask multiple times for the reason as my account remains in good standing I have never had any fraudulent activity nor fraud alerts on my acct. The representative proceeds to tell me the bank does not have to disclose the reason for the closure and a check will be mailed to me for the funds that were in the acct {$130.00}. I visited the branch for answers the teller phoned the dept that handles acct closures and they tell her the same thing they do not have to provide an explanation for closure. I explain to the teller I never received an email nor phone call warning me the acct would be closed, my household is on a fixed income and I need to be able to access the money that is in the acct asap. I explain to her this is disheartening for me as Ive held my acct in good standing for years and I recently turned XXXX yrs old and Im working on building my credit and Im being told my acct is being closed for no reason and I can never open another Chase acct when my whole family banks with Chase.