davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (TX)

This collections agency has texted me, called me several times throughout the day & I havent received anything via mail from them. This is a debt validation letter I am sending & demand that this company stop contacting me until this debt is validated & verified property. 
My full name is : XXXX XXXX XXXX Current address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Last four of my SSN : XXXX Date : XX/XX/year> Dear Collector : Im requesting that you validate the debt below. 
This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor. 
( 2 ). Proof that you have the right to collect this debt in my state. 
( 3 ). Proof that your company carries a bond. 
( 4 ). Proof of how your company assessed the outstanding debt. 
( 5 ). Payment history from the original creditor. 
( 6 ). Name and address from the original creditor. 
( 7 ). Copy of the original contract bearing my signature. 
( 8 ). Chain of title on this debt. 
( 9 ). Proof that you can collect this debt from me. 
( 10 ). Do you own it or is this debt assigned? 
( 11 ). Copies of all letters sent to me from you and from the original creditor. 
( 12 ). How much did you buy the debt for? 
( 13 ). When was the last date a payment was made on this debt? 
( 14 ). What fees/interest was tacked onto the debt? 
( 15 ). How were the fees determined? 
While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. 
Thank you for your time and cooperation.
Consumer complaint received 2024-10-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC ()

I have received numerous attached court order documents, with my private and personal information, pasted on a door that does not belong to me. This company called Calvary SPV I, LLC has harassed my friends at their home, claiming that it is my residence, even after speaking to the young lady that came to my friends house, of which I told her that I do not live there and that is not my residence. The residence I am speaking of is XXXX XXXX XXXX, XXXX, XXXX XXXX. This residence is my friends place. I relocated abroad since XXXX and I clearly told the woman that I do not live in the US any longer. 
However, my complaint is as follows : 1. Harassment by phone 2. Harassment of my friends by showing up to their home numerous times 3. Harassment by documentation and leaving court orders at my friends residence of XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 4. Sending me bills of a contract I do not have, nor bill with Calvary SPV I, LLC. 
I do not have any contract with this company. But I will like to dispute and make a claim regarding the following : 1. According to 15-USC-1681, CALVARY SPV I, LLC, had NO permission to retrieve my information nor furnish it to anyone, especially my friends house, where CALVARY Plastered a court document exposing ALL my information to friends to an address that isnt mine. 
2. Calvary SPV I LLC ( AKA : This Creditor ) has not provided any Debt Validation Claim according to 15 USC 1692 G 3. This Creditor has not provided a full detailed list of the Payment History on the account that they are claiming that I have with them 4. I want to see the original signature, which shows an agreement between myself and CALVARY SPV I, LLC, showing a contract between myself and this creditor 5. Has there been any insurance claim found on this debt? 
6. I would like to see the chain of title that the creditor has to collect on this debt? 
If they can not provide the above, then they are in violation and out of conduct.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX has reduced my credit score by XXXX points and its totally capricious. They cant be allowed to strong arm you like this -/im An excellent customer. Whats going on?
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OH)

This company accepted my security deposit XX/XX/XXXX. Closed my account a few months later. Along with pro-rating my security deposit with the account balance. They sent me around XXXX in the mail for the remaining balance they owed me. Because I gave them XXXX and only owed them roughly 100-150. 

Well comes to find out they never closed my account. They marked it as stolen or identify theft and I never requested that. Now Im getting late payments on my credit report due to their mistake. I owe them 0 money and they need to fix their system. I tried calling them and was on the phone for 5 hours XX/XX/2020. I kept getting hung up on and kept getting sent absolutely no where. I am disputing everything with the Credit Bureaus.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK (TX)

I opened an account with First Horizon Bank in the local branch under a promotional offer of {$450.00} cash once the qualifications are met. As clearly shown in each monthly statement, I have met the requirements listed in the promotion offer that requested maintenance of an average daily collected balance of {$5000.00} in the total deposit balance and a minimum of XXXX qualifying client-initiated transactions for each statement cycle for the first 3 full statement cycles, but not received the bonus after the 10 business days as listed on their offer. I have tried to communicate with First Horizon online customer service and local branch officer for one month, still not resolved and no one can provide me with a resolution or clear explanations for why I haven't received the bonus yet. Detailed timelines are listed below : - XX/XX/year> : opened the account as a new customer at a local branch and deposited a check of {$5100.00} on the XXXX day of account opening ; - XX/XX/year> to XX/XX/year> : maintain over {$5000.00} daily balance and over XXXX qualifying client-initiated transactions for each statement ( clearly shown in each monthly statement, and happy to provide if needed ) ; - XX/XX/year> : contacted customer service for the bonus deposit, however, did not receive any clarification/explanation about why the bonus is not posted to my account on l, and the online customer service representative sent me the secure message asking me to contact local officer for better clarification ; - XX/XX/year> to XX/XX/year> : contacted the client manager at the local branch and the manager helped to check my account status and could not explain the reason why the {$450.00} bonus has not been posted. In the end, he put an internal request to the internal bonus determination department and told me to wait for the responses ; - XX/XX/year> : The local client manager suggested me to contact customer service online as he hasn't got any answer or clarification neither after waiting for 1 month. 

- XX/XX/year> : Called customer service and the representative pushed me back to the local branch as my account was opened at the local branch. 

This is so frustrating and never had such a bad customer experience before. Neither the online customer service nor the local branch officer can help me on this, and I'm not sure who I should seek help with.
Consumer complaint received 2024-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (GA)

I closed on XXXX on a purchase. Unfortunately the title company never updated their closing disclosure to show that the loan had no escrows. However, after closing they did send a corrected post closing closing disclosure. XXXX XXXX XXXX  had my mortgage for the money of XXXX and their mortgage statement was correct but when XXXX XXXX bought the loan, NewRez took over servicing and are enforcing escrows on the loan. I asked why this is and they are telling me that the ticket hasnt been generated yet and that they will get back to me on XXXX  ( when they are closed ). I do not want to pay the late fee for their mistake and do not want to wait any longer to get this resolved. I feel discriminated against because I am a female. Clearly someone didnt read their package and I expect this resolved immediately.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

I received an email from chase bank for an offer to receive {$200.00} for opening new savings account, {$300.00} for opening new checking account, and a extra bonus of {$400.00} for both and a direct deposit into my checking account which I did, but I only received the {$200.00} and the {$300.00}. The complaint is they said I would also receive the extra {$400.00} bonus after i deposited {$15000.00} of new money and maintain for 90 days which I have, but the problem is that their saying my direct deposit is not eligible because it is coming from my life savings of 45 years from a XXXXXXXX XXXX plan, which doesn't specify that in the email which they send me. 
It says in email it needs to be a direct electronic deposit of your paycheck which this is my paycheck from my XXXX Thanks for looking into this. The public always seems to get screwed by companies not specifying more details of their offerings
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (IL)

Im with US BANK Somebody tried to put a fraud check through the mobile app they say I know nothing bout it so they said they closing the account cant nothing come in or out but my unemployment check went through anyway tried to get it out they say no wait till investigation is done ok so a few weeks go by they say it was complete that nothing can go in or out I tried to redirect so they can send it back to unemployment but no they took another check so Im calling everybody and going in to talk to branch manager I need my money yall just holding my check then I was told XX/XX/XXXX the account suppose to closed and they mail out me a cashier check so everyday including today I keep getting no answer now they telling me not until XX/XX/XXXX because of another claim no one can tell me nothing they dont know and the date keeps changing everyday and they keep telling me the investigation is done but they all been telling me 30 days I havent had a paycheck since XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (MN)

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
( JEFFCAPSYS ) Account # XXXX and ( XXXX  ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by ( JEFFCAPSYS ) Account # XXXX and ( XXXX ) Account # XXXX is causing harm to my credit All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC (AR)

Fay Servicing will not work with me on making payments and trying to foreclosure on my house. They haven't applied mortgage payments that I tried make and has blocked me on their website so I can't make payments and then tells me I'm late and charges me late fees.
Consumer complaint received 2024-10-17
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 (NV)

Ref. No. XXXX Ref. 

XX/XX/XXXX I was fraudulently billed {$7800.00} by a professional group of scammers. The scammers manipulated me to wait to dispute the transaction until the dispute window closed. Dispute XX/XX/XXXX XXXX I submitted my dispute to Amex. Amex rejected my case due to the length of time outside their policy. XX/XX/XXXX I requested Amex to reopen the dispute as an exception to my cause. 

With clean hands and good faith, XXXX XXXX
Consumer complaint received 2024-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XXXX/XXXX/XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FIRST HORIZON BANK (FL)

First horizon has been for years reporting incorrect fraudulent account on my credit report. On several occasions the investigation took more than XXXX  days. 

I have NO KNOWLEDGE OF THIS ACCOUNT! 

I have been a victim of ID theft - police and XXXX report filed. 

Sent several letters demanding XXXX request of my file to validate the debt. 

Refusing to cooperating or send over information. Attaching their letters they send to me and credit reports with no File. 

I have went into the branch shown ID gave social and they have no records of me. They have no records when I call and they can not validate even who I am but send several updates in XXXX days to credit bureaus. 

They are reporting a fraudulent account number that they themselves no records of. 

They refuse to send over the file so I can turn over to the police. 

First horizon has no file and they are refusing to cooperate or send accurate information or update my file
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (NJ)

It has come to my attention that my personal information was used without my authorization to obtain credit for various services, including medical and utility services. 

Please be advised that I did not give consent for these transactions, nor did I open these accounts or receive any services related to them. I am a victim of identity theft, and I am requesting an immediate investigation into these accounts. I ask that all fraudulent information be removed from my credit report and that I be provided with confirmation once this has been completed.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

XX/XX/scrub>XX/XX/2024 my card was stolen for the XXXX  time this year and they took out a amount of XXXX  $ from my debit card and the bank ended up saying i was the one that took the money out and charged my account
Consumer complaint received 2024-08-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (FL)

On XXXX 2024 Affirm granted a fraudulent loan in my name to a company called XXXXXXXX XXXX XXXXXXXX. A loan of {$8200.00} was taken out in my name without my permission. Furthermore Scaling with sales gave false and misleading information regarding a pay to participate position as a high paying closer within the company. I immediately informed them that I was not interested in the position/ job but they refused to give me a refund unless I worked to fulfill their quotas in order to pay back the debt. I informed them that due to medical issues I would not be able to do so and was still refused a refund. I then filed a dispute with Affirm, which ended with Affirm siding with the seller as per seller contract. I believe I have been the victim of fraud.
Consumer complaint received 2024-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Our real estate taxes are escrowed. The first installment was due to XXXX XXXX ( IL ) on XX/XX/XXXX. The disbursement was made from our escrow account on XX/XX/year> but has not been received by XXXX XXXX. I have spoken with Huntington Bank several times. They agree that XXXX XXXX has not received payment, they can not tell me why, they tell me payment will be wired to XXXX XXXX and the late payment fee will be paid by Huntington, but they can't tell me when this wire will be sent. This has been on-going for two weeks and still no payment has been made to XXXX XXXX .
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Dear, CFPB I am writing a Follow-Up Complaint Regarding Equifax 's Lack of Response to Previous Dispute I submitted a complaint regarding an inaccuracy on my Equifax, XXXX and XXXX credit report. On XX/XX/XXXX I submitted complaint XXXX, which has not been addressed adequately by Equifax, today is XX/XX/XXXX and I have yet to receive a response through the CFPB portal as requested. 

The inaccuracy regarding the reporting of my payments remains uncorrected. Equifax 's lack of response and action not only affects my credit standing but also violates the Fair Credit Reporting Act ( FCRA ) requirements to maintain accurate and complete credit information.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC (VA)

Their system wasn't made available during the last day of the billing cycle XXXX, and I was unable to login to make a payment. I paid the bill the very next available day, but they still reported me over 30 days past due, even though I tried to pay the bill on the last day of the billing cycle. I called and spoke to someone about this issue. I also had automated payment issues with the company in XXXX of this year in a similar situation the last day of the billing cycle. My bill is current. I have worked really hard on my credit over the last few years, and these reported account statuses popped up due to their ( Shellpoint Mortgage Servicing 's ) negligence in their process. If I were given the opportunity to make a payment the last day of the year XXXX, I wouldn't have a 30+days late reporting on my credit report. If their system wasn't only capable of using one bank account on the voice service, I could've selected my other bank account to make a payment ( being that the online portal was down and it was outside of normal business hours ). Please just update my reporting to reflect no late payments, and I can stop worrying about this on my report and move on.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC (VA)

Their system wasn't made available during the last day of the billing cycle 2023, and I was unable to login to make a payment. I paid the bill the very next available day, but they still reported me over 30 days past due, even though I tried to pay the bill on the last day of the billing cycle. I called and spoke to someone about this issue. I also had automated payment issues with the company in XXXX of this year in a similar situation the last day of the billing cycle. My bill is current. I have worked really hard on my credit over the last few years, and these reported account statuses popped up due to their ( Shellpoint Mortgage Servicing 's ) negligence in their process. If I were given the opportunity to make a payment the last day of the year 2023, I wouldn't have a 30+days late reporting on my credit report. If their system wasn't only capable of using one bank account on the voice service, I could've selected my other bank account to make a payment ( being that the online portal was down and it was outside of normal business hours ). Please just update my reporting to reflect no late payments, and I can stop worrying about this on my report and move on.