davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Dear CAPITAL ONE Sir/Madam, THESE ACCOUNTS ARE PAID OFF ENTIRELY. I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authori

zation under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 2. Legal basis for the collection of this debt. 3. Proof of your authorization to operate in my state. 4. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 5. Complete account history, inclusive of all collection-related charges. I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no acc
ount can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (MO)

XX/XX/XXXX I applied for a XXXX XXXX credit card through Credit Karma 's Karma Guarantee. The guarantee says if I am declined, I receive {$50.00}. On XX/XX/XXXX XXXX contact Credit Karma asking about when I'll receive the email to claim the payment. I keep receiving the same script over and over, even after providing proof that what they are saying about the application being unfinished is false. 
The case number for my help through Credit Karma is XXXX XXXX
Consumer complaint received 2024-08-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC. (NV)

On XX/XX/XXXX, I applied for a personal loan from SoFi Bank. As part of the process, I was required to upload a picture of a voided check through their secure file upload system to verify my bank account for the loan disbursement. This check had my name, routing number, and account number, and was marked void with a black marker. The loan was approved, and the funds were deposited into my XXXXXXXX XXXX account without issue. 

On XX/XX/XXXX, I discovered a fraudulent {$5000.00} check charge to the same XXXX account. When I contacted XXXXXXXX XXXX to report the fraud, they confirmed that the check number used for this fraudulent charge matched the voided check I provided to SoFi. This indicates a serious security breach at SoFi, as my bank information was compromised. It is important to note that the physical check has remained in my possession and has been securely stored in a safe. No other individuals have had access to it, and the digital photo of the check was deleted immediately after it was uploaded to SoFis system. There is no other possible way that this information could have leaked, confirming that SoFi is the source of the breach. 

I immediately called SoFi Bank to report the situation. During my first call, the representative did not seem to understand the gravity of the situation and failed to file an official complaint. I was put on hold for over 30 minutes, waiting to be transferred to a manager, but no one responded. I called again, and the second representative also did not take the issue seriously or file a report. Despite these calls, no action was taken by SoFi to address the security breach. 

On XX/XX/XXXX, I received an email from SoFi titled Acknowledgement of Your Experience, with a complaint reference number. The email was completely blank, providing no information about the complaint, next steps, or acknowledgment of the severity of the security leak. It did not mention that anyone would be reaching out to me. 

My bank, is handling the fraud investigation and working to recover the funds. However, it is crucial that an official report is filed with the Consumer Financial Protection Bureau to address the severe security lapse at SoFi. The voided check has been securely stored and not used elsewhere, underscoring the seriousness of this breach.
Consumer complaint received 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I closed on my house/mortgage on XX/XX/XXXX, and have been making full payments every month on time every since. I put over 20 % down payment on the home, and have signed paperwork indicating I did not want an escrow account ; that I will pay my own taxes and insurance completely separate from the bank. The main reason why I put so much down was to avoid PMI and the escrow account. 

Per the mortgage company, Pennymac, an " escrow analysis '' was done on my account in XXXX XXXX XXXX ( almost 2 years after the purchase ) without my knowledge nor authorization ; at which time they added well over {$1400.00} per month to my payment by adding an escrow account ( again without my authorization nor knowledge ). When I called the company to discuss this situation on XX/XX/XXXX, they refused to remove the escrow account because they claim my account is delinquent : I have only been paying the principal and interest and not the added escrow funds ( per my original loan paperwork signed XX/XX/XXXX as I did not and do not need nor want an escrow account ). 

Furthermore, the added escrow account is more than twice what my property taxes actually are. My property taxes come to a total of {$7700.00} per year or {$640.00} per month. Yet they have added approx. {$1400.00} per month to my bill. This is completely unacceptable ; and is one of the main reasons why I did not want an escrow account in the first place.

Apparently, I also had a negative escrow balance ( which I paid on XX/XX/XXXX as soon as I became aware of this ) because the mortgage company took it upon themselves to pay my county taxes last year... again without my knowledge nor authorization as I never received this bill. Had I received the tax bill, it would've been paid. As soon as I was made aware they paid the bill, I paid the mortgage company back, so I do not owe them anything extra. However they still refuse to remove the escrow account from my account and are threatening to report this " delinquency '' to the credit bureaus and even go so far as to foreclose on my home should I not pay into the escrow account. Again, I have never missed a payment : every month, the mortgage is paid on time and in full.

FYI : I also have been paying my homeowners insurance directly with the insurance company and can provide proof of these payments if required.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CT)

I deposited my work check on XX/XX/XXXX. I called yesterday XX/XX/XXXX to see when my funds would be available. I was told by the customer service rep that my funds would be available XX/XX/XXXX at XXXX. This morning XX/XX/XXXX only part of my funds were made available and the system reads the next part will not be made available until XX/XX/XXXX. However on my deposit receipt it read part would be available XX/XX/XXXX and the remainder XX/XX/XXXX.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

It has come to my attention that Discover Bank is currently reporting to all major credit bureaus that my Account XXXX Is past due by 60 days. Yesterday, XX/XX/XXXX, I spoke to several members of your Customer Service Department, as well as Collections. Several of your agents allege that I missed a payment in XXXX of XXXX and therefore this reporting is correct. I was then transferred to the Discover XXXX offices and spoke to XXXX. XXXX stated that he would conduct an investigation into this matter. I have reviewed past statements from XXXX of XXXX and have found no late payments during this period. Further, it seems mathematically impossible that I would be late 2 years later after making timely payments to your bank in excess of XXXX USD. 

This account remains paid off and closed to date
Consumer complaint received 2024-08-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FIFTH THIRD FINANCIAL CORPORATION (ND)

I financed a XX/XX/XXXXXXXX XXXX  through XXXX XXXX in XXXX Alabama. After around XXXX  years of struggling to make payments, they repossessed the vehicle and sent in a bill for {$9000.00}. According to HJR 192, no debt can be paid and all debts must be properly discharged. I also know UCCC3.301 ( 1 ). 
I claim a notice of dishonor on XXXX XXXX XXXX and Fifth Third Bank UCC 3-503.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

A fraudulent charge of {$2500.00} was made to my Citizens Bank account # XXXX. The fraudulent charge was made at a XXXX XXXX XXXX on XX/XX/year>. I disputed this charge in approximately XXXX of 2023 when it appeared on my monthly statement. The dispute was ultimately closed by Citizens Bank without crediting me for the fraudulent charge. Citizens Bank relied upon a statement from XXXX XXXX XXXX showing a purchase that was originally denied and then approved. The statement contained no signature or any other form of my authorization. I did not make this purchase. I did not authorize this purchase. I did not sign for this purchase. I do not know how my account was compromised. I would appreciate the CFPB 's assistance in this matter. Thank you.
Consumer complaint received 2024-08-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (GA)

XXXX XXXX XXXX has recently transferred the debt to another debt collection agency XXXX XXXX and XXXX and failed to report this to the credit bureaus. they also failed to respond to my request for debt validation. XXXX, XXXX, and XXXX failed to give notice of how dispute was verified.
Consumer complaint received 2024-08-12
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: CITIBANK, N.A. (OR)

Costco Citi Fraud Response scam. 

On Friday XX/XX/year>. 
I received a call from XXXX and XXXX. I answered the XXXX at XXXX. 
Someone with a foreign accent claimed they were with Costco Citi Card Fraud department, asking if I was purchasing something in Texas, XXXX. I said no, and they stated a few other charges which had supposedly been made. They requested me to verify my personal information. It seemed weird, but I submitted and gave my personal information to confirm my account. Because I confirmed my information, they changed my login and email address. They then sent an email confirming another email address, which was changed to : XXXX. They explained that the purchasers had done that, but it was really the people on the phone. 
During the conversation I looked at my mobile application and did not see any pending charges. I was wondering why I didnt see anything. On a second attempt to login, the program would not let me login. 
At the end of the conversation, he said I needed to hang up and then dial a number so that Citi text alert messages would be routed back to me. But it was actually the other way around, and they call forwarded my number. This is the number they had me input. XXXX # My husband was trying to contact me on my personal line and a man answered the phone. The man eventually stopped answering. My husband switched and contacted me on my business number so he was able to tell me what was occurring. 
That is when I realized the fraud and I called the XXXX Citi card number on the back of my card and they stated they had not called me and no purchases had been made. They cancelled my card and fix my account information. I then called XXXX to cancel the call forwarding. I also went to a store to check for any virus on the phone, which was not apparent the technician. 
Earlier in the week I also received phone calls claiming that I had to buy QB support for my subscription. But I already fell for that one a few years back and did not purchase.
Consumer complaint received 2024-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. 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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NE)

I received an email on XXXX XXXX from Nationstar Mortgage informing me that my mortgage with XXXX XXXX XXXX had been transferred to them as of that date ( XXXX XXXX ). This was the XXXX correspondence I had received that even stated my loan was being transferred. At that time, I attempted to log into XXXX XXXX XXXX to see if I could get any documentation to download and was not able to see my loan information. In that email it also stated that my loan information would be available in the Nationstar system by XXXX XXXX. On XXXX XXXX, I received an email from Nationstar informing me that I could log into their system with my old loan number and see everything online in order to make a payment. I was unable to do so and have sent off several emails and contacted Nationstar because my mortgage is due on the XXXX. I am extremely stressed over this whole thing because I was given no notice, was not allowed to access my account on XXXX XXXX XXXX, and now am unable to register or log in with a new lender. In the last email, it was stated that I would receive my new loan number in the mail in a few weeks. This will then cause me to be late on my mortgage and I do not want it to be affected. This is a very nightmarish situation, and from my understanding, I should have at least been notified of the changes.
Consumer complaint received 2015-05-11
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (OH)

Let me start by saying that my wife is pregnant with our XXXX child and due any day now. The undue hardship that this has caused us is beyond words. This complaint is against Nationstar Mortgage. XXXX XXXX XXXX service released my mortgage and sold it to Nationstar on XXXX XXXXXX/XX/2015 XXXX did not notify me of this. I was scheduled to close on the sale of the home on XXXX XXXX, XX/XX/2015, but had to cancel XXXX due to Nationstar refusing to send me a payoff quote form. I spoke to XXXX different " supervisors '' and was told a different excuse by each one. In XXXX years, I have never been so much as late for a payment and now these banks are taking advantage of me. All I need is a simple payoff request form faxed to me in order to be able to close.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance : {$200.00}
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX California [ XXXX ] XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint and Cease and Desist Order Against Capital One , Inc. , XXXX, XXXX, and XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint and issue a cease-and-desist order against Capital One for multiple violations of federal laws and regulations, as well as against XXXX, XXXX, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in Capital One reporting lies in their knowledge that the debt in question was discharged. Despite this knowledge, Capital One continued to furnish information related to my account to XXXX, XXXX, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

Capital One unlawfully attempted to collect on a discharged debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such discharged debt can not be reported as income. XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. 

In addition to these violations, XXXX XXXX has breached its own terms and conditions by sharing my information with non-affiliates, without my explicit consent. This action disregards my right to privacy as a federally protected consumer under the Privacy Act of 1974. 

Moreover, Capital One failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that Capital One immediately delete the adverse and update to paid as agreed and cease all further reporting to XXXX, XXXX, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of Capital One, XXXX, XXXX, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Funds that have been cleared by issuing bank are not being available to me even after everything has been verified. Instead of putting a hold on the funds, Citibank has frozen the account without a clear explanation after being on the phone for over 4.5 hours and a 1 hr trip to a branch. Supervisor named XXXX at Citibank call center was not helpful, had a hard time understanding XXXX and speaking XXXX which was witnessed by branch employees. When asked to speak to him on a different line to resolve a possible bad connection. Was told there is no other supervisors or lines available. Could not get a clear answer on the issue
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXX 
HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-08-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WVH, LLC (UT)

Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. 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.