davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NC)

I received an email saying that my credit score has changed. I clicked on the link to see my credit score through credit karma. I see that my credit score has dropped XXXX points in total. Once I clicked on the tab that said see what changed I seen that I had two accounts open. I was not familiar with the credit card that was on my account stating I was 30 days late from JPMCB. I dont own a credit card and this account was opened on XXXX XXXX without my knowledge. It caused 2 hard inquiries so I called the bank to see more information and they told me that I didnt apply to open an account and that they were going to close the account and then told me to call the 3 credit bureaus to get the account closed and disputed on their end.
Consumer complaint received 2024-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc. (OR)

In XXXX, my home flooded and my family was forced to move out. 

We had to send all of our insurance funds to Loss Track, which is part of BSI Financial Services. 

We have been unable to get the money back from BSI in a timely matter, resulting in MAJOR delays and additional incurred costs ( we have to pay to stay in rental and far from job ) for EXTENDED periods of time. 

It took an extra 6 weeks to get our first distribution of funds. 

I am now trying to schedule an inspection so I can get the second distribution. 

I requested an inspection a month ago. They said they didn't have the paper work I had ALREADY given them ( and insurance gave them ) weeks before. 

I had to resubmit this paper work and they said they needed 2 weeks to process it ( FOR A SECOND TIME ). 

I called again today to schedule my inspection. And they said they don't have record of me ever requesting an inspection and the process has to start all over again. 

So, I waited a month already for the second distribution and now I will have to wait an additional weeks to months to see if I can actually get it scheduled. 

They are stealing my money. And I can't pay my builder until I get it. And I have to incur ADDITIONAL costs at this rental every week that they delay giving me my money. 

So my house sits empty and not work is being done. 

This is the most FRUSTRATING process ever.
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (MO)

I made a transaction from XXXX  XXXX XXXX XXXX XXXX XXXX on XX/XX/year> utilizing the Zelle platform thru my banking app under account ending in # XXXX for a payment amount of {$1200.00}. Not realizing I was sending to the wrong account I sent it to an account at XXXX XXXX  XXXX XXXX XXXX  with an account number ending in # XXXX. This account was closed last month, on XX/XX/year> as a forced close because of a negative balance for too long time. Because Zelle is instant, the money came out my account right away, and I received confirmation from both XXXX  XXXX XXXX and XXXX XXXX  that the payment had been sent and received. I have called both banks to rectify this and XXXX  XXXX XXXX says they cant do anything because its instant, and associated has given 2 possible outcomes of what will happen, but that they can not even see record of this payment. I have even provided the conformation/aft authorization number as well as the trace number. I am receiving no answers from anyone. Zelle will not help as the payment was made through a partner bank and not the Zelle app. I would like to know where my money is because someone has it and I need to get it back. 
Trace no XXXX Confirmation/AFT Authorization No XXXX
Consumer complaint received 2024-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 relating 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 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-07-29
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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
Consumer complaint received 2024-08-14
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: Experian Information Solutions Inc. (IL)

Today, I checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am filing a formal complaint against XXXX XXXX for their failure to adequately validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). The details of the account in question are as follows : XXXX XXXX Account XXXX : XXXX XXXX XXXX : {$880.00}
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK (TX)

My account was overdrawn {$330.00} on XX/XX/2024. I had opt-out of overdraft protection to prevent this from happening. There was also a dispute I filed regarding the transaction which was denied because the claim 's department claim they never received information that was requested for them from me which I did send by email.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (NY)

Dispute Letter : -- - *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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ** Dispute of Account Number XXXX To Whom it May Concern : I am writing to dispute the above-referenced account that appears on my credit report. This account was opened illegally by my wife in my name without my consent or knowledge. I did not authorize this shared card, nor did I ever use it.

Under the Fair Credit Reporting Act ( FCRA ), I request that you provide proof of my written consent to open this account and any records of transactions purportedly made by me. If you can not provide such documentation, I expect this account to be removed from my credit report immediately.

Please respond to this dispute within 30 days as required by law. In addition to removing the inaccurate information, I request that you notify the credit bureaus to update my credit report accordingly.

I also request that you confirm receipt of this dispute and notify me in writing of the outcome. 

Sincerely, [ XXXX XXXX ] ---
Consumer complaint received 2024-08-14
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: SoLo Funds Inc. (MA)

I have been using SoLo as a XXXX ( i.e. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
I have money in my SoLo wallet that I would like to use to fund loans on the platform. However, all my attempts at funding loans fail. I have therefore contacted the SoLo team several times ( XXXX days ago ; XXXX days ago ; XXXX days ago ; and today, XX/XX/year> ) to let them know there is a problem in the funding process, and try and find a solution. Every single time, they mentioned that they would create an escalation but that the Engineering team is currently experiencing a high volume of requests. 
Since my money can not be used to fund loans, I have attempted to withdraw it from my SoLo wallet to my bank account. What is the point to leave this money at SoLo if I am not allowed to use it? It turns out that my multiple withdrawal attempts have also failed. 
To summarize, SoLo is holding on my money and will not let me use it nor withdraw it.
Consumer complaint received 2024-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

I applied for a personal loan to purchase a boat. The " finance company '' called me and sent me a contract for the loan. Part of the verification process was to have them verify my bank by making 4 deposits which they then requested i send back to them. I proceeded to do so, but it was a scam. the deposits they made to my USAA account were quickly reversed on top of the debits from the payments i sent to them. USAA has said they will not offer any type of assistance in disputing the charge and then locked my bank account restricting access to my other accounts. I reported the scam to USAA immediately, and the fraud department advised me that they are already familiar with the exact name of the company conducting the scam ( XXXX ) and they are well-aware of what took place. They wont help me at all.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Capital Collection Management LLC (FL)

Received an email from a company called CCMR3 regarding a loan with XXXX it clearly states on the email that there is a judgement status and post judgement collection on and that i should reach out to them to resolve. It threaten to report to credit bureau This morning there was a collection account on my XXXX credit file. for XXXX from this company. I was threaten and lied to regarding the status of the account and was never notified of any judgement made against me. I never had an account with CCMR3 and demand proof right to collect from me. please submit proof of ownership of loan how they aquired it and what right do they have under the law to collect from me. who gave them the right to report and report to credit bureau show me any documents that i signed with them anything connecting me with CCMR3. I demand they remove the collection from my credit file and unless they have any proof of there ownership of the collection. that i signed then remove from my credit file.
Consumer complaint received 2024-08-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

THERE WAS A CLASS ACTION SUIT AGAINST XXXX XXXX AND THE FOR-PROFIT SCHOOLS ( XXXX XXXX XXXX ). THAT CASE WAS WON AND STUDENT WERE TO BE GETTING OUR LOAN FORGIVEN. I RECEIVED NOTIFICATION OF THAT A FEW YEARS AGO VIA XXXX XXXXGREAT LAKES/NAVIENT XXXX THE ACCOUNTS WERE MERELY CLOSED AND TRANSFERRED TO A NEW LENDER AND NO BENEFITS WERE RECEIVED FROM THAT RULING. THESE CAMPUSES AND COMPANY ARE NO LONGER IS EXISTENCE AND I HAVE THIS EXTREMELY HIGH LOAN BALANCE. SEVERAL MONTHS AGO, IT SHOWED ON MY CREDIT REPORT, MY BALANCE OWED WAS XXXX AND WHEN NELET TOOK OVER MY LOANS NOW MY BALANCE IS BACK TO OVER XXXX. WHY THIS HUGE DECEPENCY? WHERE DID THE XXXX XXXX LOAN FORGIVENESS CASE RULING BENEFITS GO TO THE STUDENTS?
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NC)

A fraudulent Costco XXXX XXXX was opened in XXXX. I contacted XXXX and informed them of identify theft after they began calling my mother 's cell phone and harassing her for a past due payment. I gave them my phone number but they continue to call my mother and me. I filed a police report and gave XXXX that report # and they are still sending bills and having collectors call. I drove to the XXXX costco and affirmed it is not me as the photo is of an XXXX male and the purchase was made in XXXX  where I've not lived for XXXX years. I've written numerous notes on the continued bills - that are accruing late fees and interest - paying for postage to get XXXX to stop sending bills and calling. I've called numerous times to ask them to close the account and also confirm I am not having this reported incorrectly on my credit bureau. There is a different XXXX rep every time and they claim they'll take care of it but we continue to get calls and statements which is causing us stress and wasting our time.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (MD)

I am filing this complaint personally. After examining my credit report, I noticed late payment entries. Although I sent correspondence over a month ago, I have not received any reply, nor have they provided adequate validation. I am seeking your help to address this issue.
Consumer complaint received 2024-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (TN)

My mortgage was being serviced through a company called Specialized Loan Servicing for many years. I was making payments through my bank 's autopay. 

In XX/XX/scrub> 2024 or so, my loand was transfered to a new servicing company called Shellpoint Mortgage ( https : //www.shellpointmtg.com/helpful-tips/frequently-asked-questions/shellpoint-mortgage-servicing-forms/_ ) and then in short order transfered again to another company called " XXXX XXXX  ''. 

Unfortunately, my autopayments continued to go to Specialized Loan Servicing, and I recently received a notice from XXXX that I was behind on my payments and that my credit rating could be affected. 

When I tried to reach out to Specialized Loan Servicing, all I got was a link o Shellpoint. Then, when I tried to talk to SOMEBODY, ANYBODY at Shellpoint, I was unable to break through their customer service auto-system because they had no record of my loan.

In the meantime, SOMEONE is holding on to my {$800.00} mortgage payment and presumably earning interest on it.

I need my money back so that I can use it to pay my monthly mortgate payment. I also have lost SOOOO much time navigating these companies ' webpages and so-called " customer service '' lines trying to resolve this. Tghe companies obviously have an incentive to wear me down and just take my money.
Consumer complaint received 2024-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

A service provider, XXXX XXXX, previously filed a collection against me that is not my debt in XXXX. After it was contested, it was removed. The company has refiled it with another collection agency, Transworld Systems. It is NOT my debt and I did not obtain this service. The service was obtained in a different county from my residence, I have never lived there, I do not know anyone there. The collection company just picked a person with a similar name to file the collection, hoping it would get paid. 

During the previous contest, the collection agency sent a form requesting all my personal information, which I will not provide. 

The information provided by XXXX XXXX was minimal, and had no personal information that would have been provided to obtain services. 

The derogatory remark on my credit is harming my ability to obtain ( renew ) home insurance and obtain refinancing on my home.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (CA)

To Whom It May Concern, I am writing to file a formal complaint against RADIUSGLOBAL regarding their unlawful actions that violate my rights under the Fair Credit Reporting Act ( FCRA ) and Regulation F ( 12 CFR Part 1006 ). Specifically, I believe the collection agency has not adhered to the following regulations : Failure to Provide Validation Information : Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), RADIUSGLOBAL has failed to provide the required validation information upon my request. Despite this failure, they have placed a collection account on my consumer report. 

Denial of Dispute Opportunity : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given a reasonable opportunity to dispute the accuracy of the debt with RADIUSGLOBAL.

Use of Deceptive Practices : RADIUSGLOBAL has engaged in false, misleading, and deceptive practices in their attempts to collect the alleged debt, which is a direct violation of consumer rights protected under federal law. 

Furnishing Information Without Required Disclosures : According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ), RADIUSGLOBAL has unlawfully furnished information to consumer reporting agencies without providing me with all required disclosures. 

Additionally, I dispute owing any and all debts to RADIUSGLOBAL. Therefore, I hereby revoke all rights of RADIUSGLOBAL to communicate with me via email, text messages, or phone calls regarding this matter. 

Furthermore, I formally request the following from RADIUSGLOBAL : Debt Validation : Provide validation of the alleged debt, including itemized statements and documents proving the debt 's validity and ownership. 

Purchase Agreement : Furnish a copy of the purchase agreement or contract between RADIUSGLOBAL and the original creditor demonstrating their legal authority to collect this debt. 

Proof of Licensing and Bonding : Provide documentation proving that RADIUSGLOBAL is licensed to collect debts in California and bonded as required by law. 

These actions by RADIUSGLOBAL have caused significant distress and financial harm. I have attached relevant documentation supporting my claims, including copies of correspondence with RADIUSGLOBAL. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure RADIUSGLOBAL complies with federal law. I also request that the collection agency cease all collection activities related to the disputed debt until these violations are resolved. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MARINER FINANCE, LLC (MD)

Unfair and Deceptive Business Practices. I am having great difficulties with Mariner finace. I have taken several loans out with them and didnt realize I had a negative mark on my credit report from 2019 until now. They are saying I missed a payment and then refinanced my loan. I have received countless numbers of calls of solicitation from them for added services, new loans, refinance of loans etc. I do remember receiving call back from 2019 about being interested into a refinance option and not having to make a payment for 30-60 days if I refinanced. I did go agree to their verbal offer over the phone and kept things moving. Fast forward now and I have a mark as missing a payment and refinance. Ive attempted to reach out to the company and get told different stories from different people. I was also told that a supervisor would tell me the same thing as the last agent and wouldnt mr put a supervisor on the phone. I was extremely irate at this point. I am a firm believer that Mariner Finance pushed me to refinance my loan and allow a skipped payment only to add hundreds or thousands of dollars to the total cost of repayment. I know there are several states involved in a lawsuit regarding this vary thing. All I am asking is for Mariner Finance to remove the negative late payment mark from 2019 and show payed as agreed and in full / account closed. 

They do not seem to care and are not willing to accept the fact that they called me and offered me the opportunity to skip a payment and refinance. This is an absolute case of scamming customers and I want this to be officially removed immediately from my credit report. I would also like to be added onto any lawsuit against them for unfair business practices. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX