davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capio Partners, LLC (TN)

On XX/XX/scrub>/24 I received seven phone calls from a XXXX XXXX ID number. The calls came in at XXXX, XXXX, four calls at XXXX, XXXX. In addition to the calls, he left 2 voicemails containing background noise and a conversation with an unknown person. He sounded highly intoxicated. Following the seventh call at XXXX I immediately received a text from an identified XXXX ( XXXX XXXX, Florida ) stating : pick up bald XXXX. At XXXX, I received another call but because he had texted me from that number, the caller ID was revealed this time. He then texted again from the same number stating : I said pick up. I then called the identified number that texted me and indicated that I received missed calls from this number. The man on the other end responded no you didnt, youre full of XXXX, XXXX. He proceeded to call me a XXXX several times and then hung up. I then received ANOTHER text from the same number that said sorry XXXX. I responded to indicate I was reporting him to CFPB and to cease all communications with my number except in writing. He then texted at XXXX and stated XXXX you, I have you and your petty family on camera trying to bait me. He followed that with a text that said dont do it again is what Im saying, XXXX and we will see how much far that video of your XXXX kid gets XXXX  Dutch XXXX. 
Based on this number being registered in XXXX XXXX Florida and a previous collection call on XX/XX/year>24 from a number associated with XXXX XXXX in XXXX XXXX, Florida, I believe this may have been harassment on the part of one of their collectors. 
I am concerned particularly because the last texted threatened my family, and that he has personally identifiable information about me and my location.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ZIONS BANCORPORATION (PA)

My account is unaccesible since XXXX, I guess it was closed but until now I dont have any correspondance letter and my cashier check with the balance on my account. So please inform me about that situation. 
Also I need to dispute 4 transactions made with my debit card Visa ending in XXXX, since I cant access to my online banking I cant guess the exact posting date. 
3 transactions made at the store XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX. It were XXXX XXXX XXXX XXXXXXXX silver, the delivery date was XX/XX/XXXX, but on XX/XX/XXXX I went to the store in person to return those XXXX  because at the time of the delivery ( almost XXXX mont ) were no longer needed. The store XXXX XXXX  accepted the return and gave me the official return receipt and they gave me 3 days to fully process the refund. 
The refund was never posted to my account so I contact them again on XX/XX/XXXX and they just say " call your bank for billing adjustment '' because they already processed the refund. 
Thanks
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CURO Intermediate Holdings (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. This company was rude they discussed my debt and account without verifying my information. XXXX stated that I owe {$8000.00} to someone without my consent and she also called my job numerous times discussing my debt.
Consumer complaint received 2024-08-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I deposited {$25000.00} for an interest rate of 4.64 % over 4 months on XX/XX/2024. I was paid about {$430.00} total. 

They also re-invested when I asked them to pull the money out, and I had to do another hour long phone call to get someone on the line to pull my money out again.
Consumer complaint received 2024-08-05
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: TD BANK US HOLDING COMPANY (CA)

We purchased a new vehicle last month. The dealership was told that we would be paying for the vehicle and NOT FINANCING it. They indicated they would not do a hard credit inquiry. 
We found that a hard inquiry was done on myself and my son on XXXX. 
XXXX XXXX was notified and a complaint was logged with them. They told me I needed to contact you also. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX TD Auto Finance 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
Consumer complaint received 2024-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (PA)

date opened XX/XX/year> and I had no knowledge what so ever on it, I did put in a dispute for indentity theft please remove this off as it is now a charge off / collection on my credit report immediately
Consumer complaint received 2024-10-05
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: Experian Information Solutions Inc. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me 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 XXXX XXXX XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment history reflects several late payments, including 30, 60, and 90, 120-day delinquencies. However, I have provided evidence showing timely payments for all months in question. This includes bank statements and transaction confirmations for the payment due, which were made on time, but incorrectly marked as late. Additionally, subsequent months were marked late due to this erroneous initial marking, despite no further delinquencies. 
Evidence, such as transaction logs and confirmation numbers, was submitted in each dispute, proving that my payments were received within the agreed-upon grace period, but this has not been rectified by any of the credit reporting agencies. 
Furthermore, these discrepancies have negatively impacted my credit score, creating significant financial stress and impacting my ability to access credit at favorable rates. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I was horrified to discover inaccurate accounts on my credit report today, and I have no idea how they got there. Im used to reviewing my credit report, and out of nowhere, these errors popped up. I thought maybe it was a browser glitch, but refreshing did nothing. I really need the documents I sent to be reviewed properly, so this nightmare can finally end.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

Purchased a XXXX XXXX subscription at a persentation and when we got home and found out more about company tried to cancel subscription by calling company. The New Member Agent would not cancel and would not give me any other person or phone number to cancel. After more research found that we did not recieve a copy of the full contract at the presentation. Called the NMA again and requested a copy. In the mean time called Chase and did a dispute on charge in which they put a hold on payment while researching. It took me 3 more calls to the NMA to get a copy of the full contract over 30 days later. During that time Chase stated the transaction was a valid transaction even though in my complaint stated we did not recieve a copy of the contract which had the time and address to submit a cancelation. I then protested Chase/s reply and again they denied it. Once I recieved a copy of contract I sent a certified letter to cancel subscription which I have never recieved a reply. After researching more on XXXX XXXX XXXX I found other people have had similar results with XXXX XXXX XXXX. There is no contact or business address on their website and that their website is owned by a proxy company. I again protested the transaction with Chase ( even though I have paid the whole {$3900.00} balance ) giving them more information about XXXX XXXX XXXX and stating they appear to be a shell company and that they delibertly failed to give us a full copy of the contract to prevent us from canceling on time. Again Chase has stated the transaction was valid and informed me that they would not respond to any more correspondance regarding this matter.

As a note I have tried to book a trip with XXXX XXXX XXXX to see if they can save ys tge money they stated at the presentation. All I recieved is emails with alot of garbage information that is very hard to understand. When contacting Reservation Agent by phone she stated I should contact hotel directly for more information.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I was going to invest some money for my mother in a high yield savings account. I share an account with my mom to help with her finances and I have full ownership of the account. I wrote a check to myself to my XXXX account with one of my moms checks and signed her name on it. XXXX has stolen the money under a " Fraud '' pretense and refuses to send the money back to the account it came from and has kept the money for itself.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Creditor Name : Bank of America Corporation Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Nature of the Complaint : On XX/XX/XXXX, a debt of {$500.00} was canceled and reported to the IRS using XXXX XXXX As per IRS guidelines, once a XXXX is canceled and reported as income, it should no longer be considered an outstanding liability. Furthermore, under the Code of Federal Regulations ( XXXX ), specifically XXXX CFR Part XXXX ( Fair Credit Reporting Act ), creditors are required to provide accurate and fair information to credit reporting agencies. 
Despite the legal cancellation of the debt, US Bank of America Corporation continues to report this debt as outstanding on my credit report. This misreporting is a violation of both IRS guidelines and credit reporting laws. 
Action Requested : I have requested US Bank of America Corporation to delete the inaccurate negative item from my credit file within XXXX business days of my initial dispute letter ( dated XX/XX/XXXX ), but no action has been taken. 
Attachments : Copies of the XXXX form. 
Copies of the credit report showing the disputed item. 
Copy of the initial dispute letter sent to US Bank of America Corporation.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (FL)

I am writing to bring attention to a concerning matter regarding my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I have serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

I am requesting a Reinvestigation for the inaccurate public record account # XXXX, date XX/XX/year>. Which was previously disputed with the CFPB dispute # XXXX with LexisNexis Risk Solutions XXXX XXXX XXXX The public record named above is in violation of XXXX XXXX ( i ) XXXX because this inaccurate public record came back verified In fact I will attach a letter from the furnisher of the public record stating that they do not verify any public information with any credit reporting agencys. Please provide me the following information : XXXX. The names and business addresses of each individual with whom you verified the information above, so that I XXXX follow up. 
XXXX. The method of communication you used to verify the information. 
XXXX. The date you contacted the individual furnishers of the information. 
XXXX. Provide all documents Proving inaccurate account information was indeed accurate. 
to my current address on file within 15 days. Or delete inaccurate public record from my credit report immediately.
Consumer complaint received 2015-10-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I am filing this complaint against my mortgage company Nation Star located in XXXX TX. I have a adjustable rate mortgage. I purchase this home in XXXX 2007 the first mortgage company it nation star after about 6 mos after we sign the paper my daughter XXXX is the primary on the loan but does not live here she only help me out at that time because of her credit status was good and my was between fair and poor but my rate is XXXX at that time and it still is the rate never drop. I have been trying to get this mortgage out of her name and place in my name only so she can purchase her own home one day. I have paid this mortgage by my self since then which is XXXX. I have try to get a modified loan from them but can not I did all of the paperwork and fax everything on time by the time it got to the last part of the process they said I was missing some paperwork mine you through this process I have fax and talk to a lot of different people at nation star but was declined because they said I did not get it them on time I have every piece of paper that was done and fax to them. I was also told by one the representative to go and put the taxes in my name and they would be able to take XXXX name off of the mortgage but they did not. I have brought my credit score up and have try to get it refinance they last company said they could but once they found out it was a conventional mortgage they said it was nothing they could do was told to contact consumer financial protection bureau. To see if you could find out if this loan is a pertgetory loan
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I did not get any of my questions answered from the original complaint filed as I am aware of the account that was opened XX/XX/year> and closed XX/XX/year>. The reason it was closed was because I received a letter stating that Capital One is closing the account with the words Capital One is closing this account because we don't do business in this manner. The document I am attaching is the original one that was sent to me from Capital One with inaccurate info from the last complaint. I never had an account sent to a collection office I have contacted XXXX XXXX XXXX and they have confirmed there was never an account with the last XXXX digits sent over to them for collections. I explained in my complaint that I have all the documents to show and there was identity theft and my personal info and name were used for financial gain from the courts, prosecutors office etc. As well as the convictions of the parties that were responsible. That is what Capital One was referencing when they closed the account and stated they do not do business in that manner. Basically I am being judged I really would like someone from the Corporate office to contact me because I feel as though no-one even looked into what I am saying and I was targeted as someone Capital One doesn't want to do business with and WHY? Capital One never saw the documents to prove what happened instead they are just saying something untrue and judging. I would like the opportunity to show the information I have without sending it over the internet. I have contacted my legislators office and was directed to respond accordingly. I would like a chance to explain this situation and appreciate the opportunity to discuss this matter with you before taking the next step. I am sure once this is looked into correctly you will handle it accordingly.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MI)

I filed a complaint on XX/XX/XXXX in regards to overpayment refund that has not been received. The company responded, but did not address the actual issue. 

I applied for XXXX in XX/XX/XXXX. I made one payment of {$200.00} while the application was being processed. In XX/XX/XXXX I received information that my loan has been forgiven as I exceeded the XXXX qualifying payment threshold to qualify for forgiveness. I received a refund for the {$200.00} payment I made between XX/XX/XXXX and XX/XX/XXXX, however I have not received the refund for the approximately XXXX payments I made AFTER the XXXX qualifying payment was made before that. My credit report shows the loans with MOHELA were officially closed XX/XX/XXXX which is the month the XXXX payment was made. I made payments every month after that until the forgiveness in end of XXXX. I should be receiving a refund for payments made XX/XX/XXXX through XX/XX/XXXX. 

Please see attachments of my credit report indicating the closed date as well as last payment made.
Consumer complaint received 2024-10-13
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: Innovate Managed Holdings, LLC (GA)

I have XXXX hard inquiries on my credit report i dont recognize. Innovateloan and XXXX XXXX On XXXX XXXX XXXX. I did not apply for credit during this time.
Consumer complaint received 2024-10-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mid-Atlantic Finance Co., Inc. (AL)

I paid my car off in XXXX or XXXX of XXXX. The company then sent me a certificate of title in the state of Florida. I thought it was fine as this was my first car. I live in a different state and I took said document and went to present it to change my tag and etc. the lady told me it was sufficient as there is still a XXXX in the vehicle. Prior to making my last payment I confirmed by voice call that this would be my last payment and I have the date of that call in my other phone. And I soon received a title. But apparently it isnt enough for proof of ownership. 

I asked them to provide me the correct documentation by email as I need it immediately they did not provide such things
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I'm filing this complaint about late payments on my credit record. I found these late payments when checking my records. I sent letters about this over 30 days ago but got no response or proper validation. I need your help to fix this quickly and effectively.