davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (MS)

I contacted Western Union by phone in XXXX, XXXX, XXXX, and XXXX to verify the status of XXXX money orders I purchased. Each time, I was informed that the money orders did not clear, and I was advised to submit a refund request online, which would incur a {$15.00} fee for each money order. 

I submitted the refund request online, including documentation that showed the total amount for the XXXX money orders was {$400.00}, which included a {$2.00} fee. On XX/XX/year>, I called to check on the status of my request. A representative informed me that my request was denied due to insufficient evidence. I asked to speak with a supervisor, and I spoke with XXXX, who instructed me to submit another request online. I expressed my frustration, stating that I did not want to wait another XXXX months only to find out it had been denied again. 

I emphasized the urgency of my situation, as I truly need my money and can not afford to lose it. XXXX advised me to email XXXX with the case numbers XXXX and XXXX and to call back in XXXX hours, assuring me that she would note my account. 

However, when I called back after XXXX hours, none of the representatives or supervisors could provide any information. They stated there were no notes on my accounts and reiterated that I should fill out a money order refund request form online and email it to XXXX along with proof of purchase. 

I have yet to hear back from anyone regarding my situation, and I am concerned about the potential depreciation of my money orders. I need this matter to be addressed urgently, as my financial situation is at stake. 

Thank you for your immediate attention to this issue.
Consumer complaint received 2024-09-18
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. (CA)

For chase credit card number " XXXX, '' Submitted a dispute on XXXX for the transaction dated XXXX for {$8000.00}. On XXXX later re-submitted {$3000.00} in light of new information, per Chase 's response that the dispute category was wrong. chase sent out a resolution letter stating that the charge of " {$3000.00} '' is valid, without detailed explanation.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2024-10-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

The complainant, XXXX XXXX, can not find a buyer to his home due to XXXX XXXX too close to the home permanently closed outside the only entrance to the Basement. The home also sustained Basement damages to the structural integrity of the home above ground level. The home can not pass inspection for sale except improved. 
XX/XX/XXXX. XXXX, Case XXXX XXXXXXXX, the XXXX XXXX XXXX XXXX XXXXXXXX referred the matter to the XXXX XXXX XXXX of Supervisors to come up with a proposal finding cost to improve the Basement damages for repairs. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX convened a Quasi Adjudication findings. In attendance were XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX. The mortgage Company and Insurance force- placed on the home did not attend even though they were notified. XXXX XXXX presented an estimate for {$500000.00} to improve the home. The Board did not accept, however, tasked XXXX XXXX inspectors to visit the home, enter the home report findings. 
XX/XX/XXXX, XXXX XXXX inspector headed by XXXX XXXX entered the home and conducted inspection and reported findings to the XXXX. 
XX/XX/XXXX, the XXXX concluded in their findings and concluded reported improvement cost {$460000.00}. The mortgage company in the forced placed insurance of {$850000.00} since XXXX has enough funds for improvement instead asked XXXX, XXXX XXXX to apply for XXXX XXXX coverage which will be a false claim against the XXXX when such condition does not exist. 
Finally on XXXX XXXX the mortgage company released coverage and asked the complainant to go through own insurance companyXXXX XXXX XXXXXXXX XXXX XXXXompany . The Complainant provided an estimated Engineer estimate of {$560000.00} which is higher than XXXX XXXX. The insurer has the duty to send its own Engineer estimate cost can still repair the home less XXXX XXXX recommended improvement brings home to code and compliance. Complainant wants to remain in his home and has XXXX  children still paying his mortgage.The insurance company came and took pictures and denied claims. 
The lender wants property adequately insured so it should mandate repairs to address potential risks like structural issues, electrical problems, or outdated plumbing before providing new force-placed insurance. Under these circumstances, Lender is related to the insurer. These rules can apply to these transactions and are designed to prevent a debtor Mortgage holder insurer from getting around the typical debt forgiveness rules by having the creditor transfer the debt to a related person of the debtor. XXXX XXXX is eligible for principal reduction and also requested that CFPB resolve the matter. 
XXXX XXXX will continue making his payment as required under the law pending the resolution of the matter.
Consumer complaint received 2024-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (TX)

I bought my house in XXXX for {$99000.00}. I put {$10000.00} down and financed {$89000.00} for XXXX yrs. As of XX/XX/XXXX I have been paying on it for XXXX yrs and my principal as of today is {$81000.00}. I should have like XXXX yrs left on paying for it. Ive brought this problem to a lawyer about XXXX yrs ago and they told me that mortgage companies can do what they want. Ive asked the mortgage company and they told me to pay an extra {$1000.00} on it every month to get it paid for quicker, but they never answered my question to why only {$8000.00} has been paid on my balance over the last XXXX yrs and XXXX  months. My monthly payments have been any where from {$800.00} to {$1100.00} a month over the course of the XXXX. When I brought this up to the mortgage company prior to NewRez they switched me over to NewRez and that other company then went bankrupt. I hope you can help me find out to why I dont have my house almost paid for. 
Thank you XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I am writing to file a complaint regarding the inaccurate reporting of bankruptcy information on my credit report. The issue pertains to a bankruptcy entry listed under reference number XXXX, which was reported by Equifax. 

I have disputed the accuracy of this bankruptcy entry with Equifax and requested detailed documentation on how the information was verified. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], credit reporting agencies are required to investigate and provide verification of disputed information. However, the U.S. Bankruptcy Court in XXXX, which is the original source for bankruptcy data, does not provide such data to third parties, as confirmed by the attached letter from the court. 

Under Section 605 ( b ) of the FCRA [ 15 U.S.C. 1681c ( b ) ], bankruptcy information must be verified through the original source, which in this case is the court or an authorized entity related to the court. If Equifax did not obtain verification directly from the court, the information should be considered inaccurate and removed from my credit report. Furthermore, Section 611 ( a ) ( 5 ) ( A ) of the FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] mandates that unverifiable information must be deleted from the consumers credit report.

Despite my efforts to resolve this issue directly with Equifax, I have not received satisfactory documentation or confirmation that the bankruptcy information was verified through the proper channels. I am seeking your assistance to ensure this matter is addressed and that my credit report is corrected in compliance with the FCRA.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-10-12
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: Fig Tech Inc. (TX)

I am writing to dispute the accuracy of the information regarding the account referenced below. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure all information reported about me is accurate, complete, and verifiable. 

This account is marked as " charged off, '' yet I was never notified of this status, which raises concerns about the lawfulness of these practices. Additionally, I do not recognize the payment history being reported. The date of last activity appears to have been re-aged, and there are inconsistencies in how the account is reflected across the XXXX credit bureaus. 

Upon reviewing my credit report ( attached ), I found that this account is reported as being XXXX  days late in both XXXX and XXXX XXXX is clearly inaccurate. Since this information is unverifiable or was not properly verified to begin with, I am formally requesting the immediate removal of this account from my credit report.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

This company refusing to do its job and stop having my consumer report blocked, I have no access to my report or score on the website. I have spoken to many supervisors and representatives and the issue is still not fixed after the 5 attempts. I'm extremely disgusting and frustrated with EQUIFAX.
Consumer complaint received 2024-10-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (MS)

I XXXX XXXX GOT A VEHICLE FROM WESTLAKE FINANCIAL SOMETIME LAST YEAR AROUND THIS TIME AND I USED THE NEGOTIABLE INSTRUMENT TO PAY THE CAR NOTE THE NOTE CREDIT AGREEMENT, BILLS OF EXCHANGE AND CHECKS ARE DEFINED AS LEGAL TENDER, OR MONEY BY THE STATUTES SUCH AS 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ) ( 12 ) B 49, 64. I HAVE BEEN SENDING VALIDATION LETTERS TO CONFIRM THAT I OWE THIS DEBT AND WHO WAS I PAYING IT TOO THEY CAME AND TOWED MY VEHICLE ITS BEEN ABOUT 4 WEEKS NOW SINCE THEY HAD AND THEY STILL HOUNDING ME FOR PAYMENTS VIA EMAIL AND SOMETIMES THEY WILL CALL AND HANG UP JUST TO GET ME TO CALL THEM ABOUT SOMETHING THEY ALREDY HAVE THEY CASHED MY LEGAL TENDER SO THERE FOR I OWE ANY DEBT WITH THEM AT ALL.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I was in the XXXX XXXX XXXX XX/XX/XXXX until XX/XX/XXXX. I was released at XXXX. I took with me XXXX XXXX XXXX and house keys. My XXXX posted XX/XX/XXXX and charges begin XX/XX/XXXX. I also have a alert on the account. I have submitted documents and it was still denied. They don't have a ATM in the jail nor do I have access to go in and out of the jail. I also supplied a fax copy from the jail.
Consumer complaint received 2024-10-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: BANKERS HEALTHCARE GROUP LLC (CA)

Dear BHG, This is not a complaint. I just wanted to update you with the attached document since other creditors have already sold my coerced debt to other debt collectors. So unfair and unjust. I have been bombarded with letters recently, which I had to dispute one by one. Please see the attached creditor letter from the FBI that I received today, Friday, XX/XX/year>. I am forwarding it to you as additional information regarding my unfortunate situation that occurred XXXX XXXX  for your understanding and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Regional Management Corporation (TX)

I am writing to dispute the accuracy of the information regarding the account referenced above. Please verify how this account is being reported accurately on my credit report or remove it immediately. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request accurate reporting as a consumer. 

Additionally, the account is marked as " transferred, '' indicating that it was sold to a third party. I was never notified of this transfer, which raises questions about the lawfulness of these business practices. Furthermore, I do not recognize the payment history being reported, and the date last active has been re-aged, with inconsistencies across all three credit bureaus. 
REGIONAL FINANCE XXXX
Consumer complaint received 2024-10-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (CO)

This company contacted me concerning a debt they had been contracted to collect on with a letter dated XX/XX/year>. I responded and disputed the debt with my own letter dated XX/XX/year>. They responded with written correspondence XX/XX/year> with old documents that in no way proved the debt. Regardless they declared their intent to continue collections. This was attempted the same way by XXXX XXXX XXXX before they were charged by the Consumer Financial Protection Bureau
Consumer complaint received 2024-10-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation (NY)

XXXX XXXX debt collection has been continuously harassing me! They call me multiple times a day, sometimes over 5. They call at all hours and every day of the week. Ive tried to get the original company info and they havent responded to me. Ive asked them to stop calling me and they respond with abusive language.

Every day they call i tell them to stop or Ill contact a lawyer. I have all the dates and times they call me on file.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information Under 12 CFR 1006.34 ( b ) ( 5 ) and FCRA 15 USC 1681 To Whom It May Concern, I am writing to dispute inaccurate information that appears on my credit report. This dispute is made pursuant to my rights under 12 CFR 1006.34 ( b ) ( 5 ) and the Fair Credit Reporting Act ( FCRA ), 15 USC 1681.

Details of Disputed Information : Reason for Dispute These account are inaccurate, please delete. 

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 XXXXXX/XX/year> # # # Request for Action : - **Immediate Investigation and Correction** : I request that you conduct a thorough investigation into this matter and delete the inaccurate information on my credit report. 
- **Written Confirmation** : Please provide me with a written confirmation of the completion of your investigation and the results. 
- **Updated Credit Report** : Send me an updated copy of my credit report reflecting the corrected information. 

XXXX XXXX XXXX Legal References : - XXXX12 CFR 1006.34 ( b ) ( 5 ) ** : This section outlines the requirements for the accuracy and completeness of information reported by debt collectors.

- **FCRA 15 USC 1681** : The Fair Credit Reporting Act ensures consumers ' rights to dispute and correct inaccurate information on their credit reports.

Please address this matter promptly. Failure to correct the inaccurate information may result in further action to enforce my rights under the FCRA and other applicable laws. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-12
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: DISCOVER BANK (NY)

I lost my bag which had in it all my credit cards, my ID, my debit cards, and my phone. It has been very much stressful to end up with none of all these, and I have tried my best to restore everything. I was accused of embezzlement as I tried to protest the charges on my credit card which I found out had taken back the money. I seldom make complains and have been careful with use of my card I do not pay my dues late nor miss them altogether. But when I am a real sucker for a fraudster, there is no one left to help me. By virtue of losing my phone as well, which holds passwords for me and all my emails, this particular experience was very worrisome. 

I want this money put back into my account but unfortunately, I am forced to launch a dispute with the organisations such as the CFPB if I want to get justice. When this happened the first time I spoke to the representative and had to ask her if I needed a police report, being as it is a new experience for me to be scammed on this level. I was told no, and now, when trying to obtain one, the precinct says its too late. If this is how the bank deal with such fraud issues, then I do not feel safe with my money with this bank. Below please find the clock rings where I can be proven to be at work during the time of the fraudulent charges, as well as the letter form my manager.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Absolute Resolutions Corp. (IL)

Violation of cease and desist 15 U.S.C 1692c ( c ) of the FDCPA. Absolute resolutions investments , LLC . Stated in the below statement that XXXX XXXX reached out to me which is a clear violation of my cease and desist that is currently in place. Please review the below statement from ARI, LLC.

Absolute Resolutions Investments , LLC ( ARI ) is in receipt of the complaint filed by XXXX XXXX XXXX ( Consumer ) on XX/XX/XXXX, wherein Consumer complains that ARI has not yet provided validation. ARI has performed an investigation and is closing this complaint with the following explanation. On or about XX/XX/XXXX, the account, currently bearing number XXXX was issued to Consumer, SSN XXXX. The account terms and other documents are in ARIs possession. The terms of the account allow XXXX XXXX XXXX XXXX and its successors and assigns to report this account to the credit bureaus. The last payment in the amount of {$440.00} was made on or about XX/XX/XXXX. Consumers account was charged off due to default on XX/XX/XXXX. At the time of the charge off, the amount owed was {$10000.00}. On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX sold Consumers account to ARI. At the time ARI purchased this account, the balance was {$10000.00}. Consumer was given notice by XXXX XXXX XXXX XXXX of the assignment of the account and the balance due. Shortly after the assignment, ARI sent a letter notifying Consumer of the assignment to ARI and its internal account number XXXX. This account was just recently acquired by ARI. Validation will be sent promptly. Additionally, the case cited by Consumer has nothing to do with purchased debt as suggested. Based on the foregoing, ARI is closing this complaint.