davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

On XX/XX/24 I received a crumbled escrow refund check payable to three successors on their account and who all live in separate states. I spoke to XXXX in their complaints department and was told rudely to sign the check and mail it to the others for them to so the same and cash it. However, banks require the physical presence of each person a check is payable to to be present upon cashing. She replied to this by saying each of has to send them a letter requesting individual checks of the evenly split escrow refund with a photo ID. 

I spoke to XXXX on XX/XX/24 and requested three separate checks because of the before mentioned reason and was told the individual checks would be mailed the next day. 

I think they are making this process more difficult than it needs to be intentionally because I have requested three separate checks multiple times from them.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (AL)

I was charged XXXX the wrong amount to my account. I provided all the evidence the following day and reached out to pnc 3 times later to make sure they had everything they needed and I was told they had everything. The second from the last representative said that my provisional credit would be provided by XXXX XXXX which makes it the XXXX XXXX XXXX reached out to pnc today XXXX XXXX and I was informed that my dispute doesn't fall under regulation e but it does and I was told false information from multiple bank representatives.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology (CA)

my background information is not accurate i am not a drug addict, I have never been arrested for any drugs in my whole life and it shouldnt be in my backround report.I was arrested for defending myself from my abuser, I never plead guilty to any of my charges but was offered felony probation for domestic XXXX. the XXXX charge was dismissed because i only took the charge for my ex so he wouldnt go back to prison because he already had XXXX strikes.plus that was over 10 years ago it shouldnt be top priority on my background report, now i understand why no one wants to hire me..
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (TX)

On XX/XX/XXXX, I received emails from Chime banking, claiming that I had opened an account with them and that my debit card was in the mail. I suspected a scam, but navigated myself to Chime 's website, where I was able to login to an account that had my full name, social, mailing address, phone number, and an active checking account. ( I did have to reset the password to get in. ) I did not and have not ever created an account with Chime banking in my life. I called Chime banking about this problem, and while they were able to close the account for me, this should have never happened in the first place.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TN)

Used postal mail to correspond about an investigation even though I signed up for electronic correspondence. NEVER received the mail and was only made aware of the situation when I was emailed. Told even though I didnt receive the postal mail still held liable for missed payments I was unaware of.
Consumer complaint received 2024-06-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

In used Care credit for a XXXX procedure for XXXXXXXX XXXX XXXX XXXX did not do the procedure. They sold my information to a collection company and they are harassing me for something I don't know. Im asking for the company to be removed off my credit
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OK)

Dispute of accuracy of credit acceptance account, the account states it is still open and reporting on my credit report the car was repossessed and closed over 7 years ago!!! And they are still reporting late payments open account on my credit!!! I have disputed and ask for investigation every year the past XXXX  years!!!!
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Sunday XX/XX/2023 I received 3 calls from XXXX XXXX. Someone had hatch into our account and made transaction with our Debit Card. The bank had to cancel that Debit Card. The Bank had to order another that should come in made within the next 2 to 3 days. Today XX/XX/2023 I open our email and I receive a email from my Bank, which is XXXX. It stated Major Derogatory Account. The company was XXXX XXXX. It was stated the New negative/major derogatory activity has appeared on your credit report. Bankruptcy and late payments are considered major derogatory information on your credit
Consumer complaint received 2024-07-16
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

Today I received this notice from Bloomingdales that they are raising the ( or specifically my ) APR to 34.49 %. I realize that because its financial services are based in South Dakota, this is perfectly legal. Still, I wanted CFPB to be aware. It's outrageous and absolute usury.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (TX)

Hello, today I received a call from someone who claims to be from Citibank and his name is XXXX. He said me had used a credit card to spend {$9300.00}, and he know a lot of my information, but I have never opened a Citibank credit card and never have a Citibank credit card. I hang up and I have checked my credit report and I have not opened any Citibank credit cards.I checked his caller XXXX and is from Citi bank.Is he a scammer? Thank you.
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

Hello I spoke to the Transworld and they are reporting I owe {$52.00}. The original creditor is XXXX XXXX they advised I have a XXXX balance. I have sent the letter from XXXX  to the company and they are reporting this to mt credit bureaus.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

i submitted a fraud claim to chase mid XXXX because i noticed fraudulent charges on my acct and i cancelled the card. they sent me a new one. two weeks ago i see the charges are reversed and i call chase they say it is because the charges were made by me. they werent the charges say they were made in person meaning youd have to be in the location with the physical card. i had already reported my card lost and made a police report about it. they still refused to reverse the charges now my account is negative {$810.00}
Consumer complaint received 2024-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

Received two calls from two numbers that mimicked the XXXX XXXX Police Department phone number and the US Immigration and Customs phone number on XX/XX/year>. The accused on the line stated that they noticed that my name was connected to a XXXX XXXX  account that had unusual transactions associated with it. Accused asked me if I was the one that was making the transactions, which I found odd because I does not have a XXXX XXXX  account, and told the accused that I was not the one making the transactions. Accused on the other line told me that they had an arrest warrant for me and that if I does not send over money, I will be arrested. Caller told me that I can not tell anyone or go to the police within three days of this happening. When the caller asked for his social security number, I did not give it and felt off about the call and decided to come to the police department. my mobile phone has been hacked and someone has been monitoring what he has been doing on my phone as well. It is unknown if this is related to the phone calls. {$500.00} through XXXX to the caller, {$1500.00} through wire transfer to the caller were deducted from my account, and an additional {$500.00} through XXXX XXXX. XXXX and wire transfer transactions were paid through my Chase Bank account, and the XXXX XXXX transaction was through my discover card account. POTENTIAL SUSPECT INFORMATION On XX/XX/year>, Accused from the XXXX  number said that his name was XXXX XXXX. Accused from the US Immigration and Customs number stated his name was XXXX XXXX with an ID number of XXXX XXXX. ' It is unclear who said what, but collectively, Both of the accused wanted me to send {$500.00} through XXXX to an XXXX XXXX ( XXXX number : XXXX ), {$500.00} through Pal Pal to XXXX, and {$1500.00} through wire transfer ( Online Domestic Wire Transfer Via : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ). ADDITIONAL INFORMATION I made contact with Chase Bank prior to taking this report, but they denied my dispute because they said the payment went through my account though I did not made that transaction. Also gave a police complain on XX/XX/year> with the case number XXXX.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

I have been a victim of identity theft and my identity has been compromised as a result of this I can not move forward financially in using my credit. I am trying to move and put my family into a place where we can live and as a result of these negative items being on my credit report that are not mine I can not. Please assist me in removing these items off my credit report please. I have attached an FTC report to prove that these items are not mine. I have already reached out to the credit bureaus and original creditors please help me.
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (PA)

I checked my credit report and found a negative report from a company I have no relationship with that are reporting I owe and have not paid a debt I am not aware of. I never received any written notification of such a debt owed so I am disputing this as potential fraud or as incorrectly filed with the wrong consumer. I did not have any debt with this company that I am aware of and was not informed of any debt to this company.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NV)

Chase is reporting my credit card 30 days late on XX/XX/year>. That information is incorrect and I have never been 30 day 's late on this account. 
For proof I have attached two documents, the first is my credit card statement from Chase on XX/XX/year> which shows a payment made on XX/XX/year> in a total of {$76.00}. The second document I attached is a copy of my credit report from XXXX showing a 30 day late payment on XX/XX/year>, I have personally marked both documents with a pen so it is easier to find the information relevant to this complaint. Those two documents obviously contradict each other and proves that my payment was not 30 day 's late in XXXXXXXX XXXX XXXX.
Consumer complaint received 2024-07-16
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: AMERICAN EXPRESS COMPANY (TN)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX i was charged by a company located in XXXX XXXX. I Live XXXX of miles away. Each of those 3 unauthorized transactions were {$680.00}. Totaling to {$2000.00}. I tried disputing with my Bank, AMERICAN EXPRESS but they closed my dispute on the reason that they believe i did make those transactions.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IL)

I'm REWRITING to complaint to COMENITYCAPITALXXXX about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The XXXX report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX  that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
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: SANTANDER HOLDINGS USA, INC. (TX)

The adverse rating on my account is a source of deep concern. I'm gravely worried about its detrimental effects on my credit standing. This negative mark has already led to the rejection of a recent loan application and escalated interest rates on my current credit accounts. The financial hardship and emotional toll this unfavorable rating has inflicted, and will continue to impose until resolved, are significant.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2024-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NJ)

I am filing a complaint against Jefferson Capital Systems for their failure to validate a debt they are attempting to collect from me and for reporting inaccurate information to the credit bureaus. 

I received a collection notice from Jefferson Capital Systems regarding a debt they claimed I owed. I immediately disputed the debt, as I did not recognize it and had no contract or agreement with Jefferson Capital Systems. I requested validation of the debt, including a detailed breakdown of the amount owed, the name and contact information of the original creditor, the original contract, and proof that Jefferson Capital Systems had the legal right to collect the debt. 

Despite my request, Jefferson Capital Systems failed to provide the necessary documentation to validate the debt. Instead, they continued to report the disputed and unvalidated debt to the credit bureaus, negatively impacting my credit score. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until they validate the debt. 

Furthermore, Jefferson Capital Systems did not provide their state license number or information on what activities their license permits them to engage in, as requested. This raises concerns about their compliance with state and federal regulations. 

Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that Jefferson Capital Systems immediately cease all collection activities, remove the account from my credit report, and provide full validation of the debt as required by law. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2024-07-16
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: Resurgent Capital Services L.P. (DE)

I am writing to dispute the debt that you have reported on my credit report. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. I request that you provide me with the following information and documentation to validate this debt : Original Creditor Information : Please provide the name and address of the original creditor, as well as the account number used by the original creditor. 

Proof of Ownership : Provide documentation that demonstrates you have the legal right to collect this debt. This should include a copy of the assignment or sale agreement that transferred the debt to LVNV Funding LLC. 

Itemized Statement : A detailed and itemized statement of the debt, including the amount owed at the time of default, any interest or fees added, and the current balance. 

Payment History : Provide a complete payment history starting from the original debt until the present, showing all charges and payments. 

Original Contract : A copy of the original contract or agreement that created the debt, bearing my signature. 

Verification of Amounts : A statement from the original creditor detailing how the amount claimed as owed was calculated. 

Proof of Notification : Documentation showing that I was properly notified of this debt and given an opportunity to dispute it before it was reported to the credit bureaus. 

Copies of All Communications : Any communication sent to me regarding this debt, including dates and methods of contact. 

Please consider this letter as a formal dispute of the debt and a request for validation under the FDCPA. Until such time as the requested information is provided, I request that you cease all collection activities and remove the collection account from my credit report. 

Thank you for your prompt attention to this matter. I expect a response within XXXX  days of your receipt of this letter. Failure to provide the requested documentation will be considered an acknowledgment that you can not validate the debt, and I will expect the collection account to be deleted from my credit report.
Consumer complaint received 2024-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

NewRez / Shellpoint Mortgage Servicing has been requesting proof of flood insurance for years which has continually been satisfied by supplying the master condo insurance document. 

In XXXX XXXX XXXX, after receiving a letter from NewRez stating, the lender placed flood insurance had been cancelled, {$29000.00} of force placed flood insurance was charged to my escrow account causing my monthly payment to increase by approximately {$3000.00}. 

Repeated attempts to inquire, resubmit documents, and request a refund of force placed food charges to my escrow account through email, website submission, and customer service phone calls have been ignored and or deflected. 

A phone call to customer service for flood inquiries stated there was nothing they could do and that I needed to write a letter. 

Having written a letter, they continue to be unresponsive.
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (CA)

I settled a debt in collection with True Accord for my XXXX account that were collecting on behalf of XXXX XXXX XXXX, XXXX.. They are still reporting that I owe a balance. I made XXXX payments of XXXX on a XX/XX/year> and XX/XX/year>. I've made multiple complaints through the credit bureaus saying this account was settled but they have disputed my claims. I have emails showing that payment plan we agreed upon and refused to remove it off my credit reports.
Consumer complaint received 2023-10-27
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. (NJ)

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified XXXX XXXX XXXX XXXX