davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (CA)

Monday XX/XX/XXXX Hi there, so the whole problem is I have an XXXX card and wanted to use it. I purchased a XXXX travel package that cost XXXX XXXX After getting to checkout, I found out XXXX dont accept XXXX XXXX and their solution around all of this was to get a prepaid XXXX card and redeem them for a XXXX XXXX card. So I went to XXXX. The reason I went to both was because both stores had a limit on purchases. XXXX XXXX was XXXX $ and XXXX was XXXX XXXX plus sign for tax purposed. Besides all of that, after getting all the gift cards and redeeming them online with XXXX. So on XXXX XXXX, I purchased XXXX XXXXXXXX XXXX gift card, and it went through. When i try to redeem my XXXX card out of XXXX. I got hit with a suspicious actively, and the Prepaid card kept declining, and I was finally placed on HOLD. After calling the number back of my pre-paid card, they told me they would be shipping XXXX new card because the card was locked. Looking at check balance all of my XXXX cards are placed on hold and will be getting new one in mail. Keep in mind i didnt consent on receiving a new card because i dont trust having a pre paid card in the mail. But top everything off they said sorry theres no tracking device number and will get there when it does. HOW would you feel you have XXXX all gone and no tracking. I got my bank but they said they can't do anything becuase it was a physical purchaes for prepaid. I just want my money back so i can paid the bank back. Now im stuck with XXXX cards all on hold.
Consumer complaint received 2020-06-14
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Master Credit card issuing Bank accepted and cleared the online transaction of {$10000.00} in spite of a merchant presenting my card information with wrong 3 digit card security PIN. In addition, I already had set the security limit of maximum {$1000.00} per transaction on this credit card with the Bank Keeping both the above factors in consideration, the transaction of {$10000.00} should have been declined on XX/XX/2020 I have spoken to the Bank multiple times and finally and recently they have informed me that it's perfectly legitimate to clear the online credit card transaction even with the wrong 3 digit card security PIN code. No explanation given for ignoring the set maximum transaction limit of {$1000.00} on this card.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Please read my complaint thoroughly. I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX  that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-08-28
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NJ)

Cardinal Financial was tasked with verifying both the furnishing of the mortgage loan account as well as the accuracy of the account.

Cardinal Financial provided response to CFPB and myself as to their ability as the furnisher to report the loan to the Credit Reporting Agencies. However, they failed to acknowledge that the information reported is not up to the maximum standard accuracy that is required by FCRA law to be a valid item on my credit report.

As per the FCRA : 15 U.S.C. 1681s-2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies This section of the FCRA outlines the duties of furnishers of information to ensure that the information they report to CRAs is accurate and complete.

Key Provisions : 15 U.S.C. 1681s-2 ( a ) : Duty to Provide Accurate Information This subsection requires furnishers to report information to CRAs with accuracy and completeness. 

( a ) ( 1 ) Duty of Furnishers of Information to Provide Accurate Information : A furnisher shall not furnish any information relating to a consumer to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.

I have informed Cardinal Financial of inaccuracies that they have provided the Credit Reporting Agencies which are now reflecting on my credit report.
Consumer complaint received 2024-08-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Credit Karma (NJ)

Subject : XXXX XXXX XXXX XXXX and Their Legal Representative To : Consumer Financial Protection Bureau XXXX XXXX filing this complaint against Credit Karma , LLC XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX and their legal representative, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for ongoing unfair and deceptive practices. 

Key issues : XXXX. Unauthorized closure of my XXXX account, negatively impacting my credit score. 
XXXX. Failure to adequately address or rectify the unauthorized account closure. 
3. Offering an inadequate {$1000.00} settlement without justification. 
XXXX. Persistent lack of response from their legal representative to crucial inquiries. 

Timeline : - XX/XX/XXXX : XXXX account improperly closed - XX/XX/XXXX : Initial complaint filed with CFPB ( Case # XXXX ) - Fall XXXX : Settlement negotiations begun with XXXX XXXX XXXX XX/XX/XXXX : Negotiations terminated due to inadequate offer and lack of good faith - XX/XX/XXXX ] : Multiple follow-up emails sent requesting confirmation and clarification - As of XX/XX/XXXX : No substantive response received from XXXX XXXX The lack of XXXX from Credit Karma/XXXX XXXX legal representative XXXX XXXX XXXX of evasion and disregard for consumer rights. This behavior exacerbates the original issues and prevents fair resolution. 

I request CFPB to : XXXX. Investigate the unauthorized account closure and its ongoing credit impact. 
XXXX. Examine the pattern of non-responsiveness from XXXX XXXX and their legal representative. 
XXXX. Enforce appropriate remedies, including potential penalties for unfair practices. 

All relevant communication records are available upon request. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (CA)

For the past XXXX months I have been attempting to get the information I need to remove PMI from my loan. I have called and emailed many times and most of the time I can not even get to a live person to ask, but when I manage to outsmart their phone system and speak with someone I have been told that an appraiser will call me. No appraiser has called over the past XXXX months and they just keep telling me that someone will call but no one does. I have had to keep paying this monthly cost with no outlook on how to get this resolved. Their phone system sets up loops that keep you supplying information to verify who you are but don't actually take you to a live person unless you try many irrelevant options to get to a person. All I need is an amount of money that I need to pay in order to remove PMI but they are not providing it.
Consumer complaint received 2024-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (IL)

Shellpoint mortgage purchased my loan shortly I had work completed to repair my home after a storm. The work was complete and contractors have been paid however Shellpoint is listed on the insurance check and wants me to endorse it and send it to them. I have called them no less than XXXX times to explain the situation and elevate the concern to their management team. They have committed to calling me back and they will not call me back. I am currently out {$17000.00} as a result of this?
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. ()

Greetings : I'm temporarily in XXXX XXXX and have been for the last 2 years. Since finding out about the XXXX XXXX Data breach I've been trying to figure out how to freeze my accounts at Equifax, XXXX and XXXX. In the case of XXXX, I'm unable to sign in or create an account due to 'error 16 ' while both Equifax and XXXX are requiring U.S. details. The last straw was when I tried calling XXXX and couldn't speak to an agent because the automated system wouldn't allow it. Unfortunately, they didn't have expat issues listed and when I went thru the freeze protocol was unable to provide a current U.S. zip code. I find myself vulnerable to fraud and no apparent way to freeze my accounts. The whole point of my attempt to reach them was to find out what I could provide that they would accept from me as authentication of my identity. I would like to complain about all three of these credit bureaus for not providing a way for international access - and please don't let them get away with saying they do. I live in XXXX XXXX, XXXX. not XXXX, XXXX ( XXXX, I believe ) which might have gotten me in the door of at least one of them. 

I would also like to complain about the process in general. We're assigned SSNs but who owns them? I don't think I should have to go to each credit bureau individually to change the status of my SSN. I think I should be able to go into my SSA account and set it there then SSA should send my status change or the entities should request it. It would be faster, safer, more reliable and more likely to be taken advantage of by more holder of SSNs. Furthermore, if there are XXXX XXXX SSN holders then that would be the limit of attempts to change a status instead of XXXX XXXX not even including myXXXX for more and more of us. 

Finally, if all databases were required to be encrypted to a minimum standard, and if each SSN was required to be uniquely encrypted then the hacker would have to decrypt up to XXXX XXXX SSNs that have been issued so far one at a time. So in these last two cases, I guess my complaint is about credit bureaus but the responsible entity is Congress. Dreaming, right? 

BTW, I'm not angry... frustrated and mildly irked, maybe. XXXX  about getting ahead of a serious problem down the line, definitely. I spent 20-25 years in IT and mastered my craft. I understand the problem but I also understand the solution. 

I am very grateful for anything you can do in helping me get my freezes and also, for information about how I can unfreeze them when I get back to the States given that I will have been gone for several years. 

Best regards, XXXX
Consumer complaint received 2024-08-29
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. (OH)

We charged an XXXX to our Chase Sapphire card on XX/XX/XXXX for travel at the end of XXXX. On XX/XX/XXXX, I was seen for a life threatening condition that required XXXX. My doctor filled out the form required by the company, stating I was advised not to travel during the dates we had booked the XXXX. Our Chase Sapphire card promises to reimburse for illness or injury when documented by a physician. I submitted two doctor 's notes, along with 5 other forms required by Chase 's BenefXXXX XXXX, XXXX. Each time I submit the documentation, they ask for the same documents or claim they don't have enough information. In addition, they require the issue to be resolved within 90 days. l have uploaded documents immediately but they take 10 business days to reply delaying the resolution. Considering I have all required documents submitted and a physician statement, the {$760.00} balance should be refunded to the credit card.
Consumer complaint received 2024-08-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

I moved out of XXXX of XXXX XX/XX/2021 I gave them a proper 60 day notice. They gave me a refund upon my moving out. I have proof to show the email they sent me to show a refunded amount. This IQ company is reporting fake information. I have looked this company up and they try to get people to pay them with fake information. I sent my proof to XXXX and I did not know all they do is call IQ they didnt investigate. Please look into this and have them to remove it immediately.. Please. I can provide copies of every month I paid my rent on time the entire time I was there. They are not licensed to collect in Texas.
Consumer complaint received 2024-08-28
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 (NY)

IVE BECAME AWARE OF THIS IS A FEW DAY AGO WHILE GETTING MY CERDIT RUN FOR A HOUSE THEY TOLD ME I HAVE A COLLECTION FOR A XXXX ACCOUNT I HAVE NO KNOWLEDGE OF NOR DID I AUTHORIZE NO ONE TO USE MY INFORMATION IVE BECAME A VICTIM 0F FRAUD OF A FEW THING THAT IVE XXXX MAKE EFFORT OF RECTIFY THE ISSUE ALL MY PERSONAL IMFORMATION WAS TAKEN OUT MY CAR AND I HAVE HAD TO GET EVERTHING REISSUE TO ME THIS IS NOT MY ACCOUNT IN IWOULD LIKE TO BE HEAR ON THIS MATTER-
Consumer complaint received 2024-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (CA)

There was an insurance change from my HOA ( home owner Association ) on XXXX XXXX but the HOA did not provide the insurance company right away and Truist morgage added XXXX XXXX to purchase insurance on there own after they sent notice in XXXX XXXX in XXXX i bought an insurance from XXXX  and the XXXX XXXX was refunded, but still on escrow it show the payment XXXX XXXX for XXXX and told them a willing to pay the XXXX for XXXX but they keep saying pay the XXXX and it will be refunded after i pay the XX/XX/XXXX XXXX XXXX monthly payment. told them i dont have the money XXXXXXXX XXXX  to pay and they told me am going to default. 
Mail payments to : Loan information Loan number XXXX Principal balance XXXX {$230000.00} Escrow balance {$4600.00} Amount due : *Due by XX/XX/XXXX {$3900.00} {$52.00} late fee will be charged after XX/XX/XXXX Total Amount Enclosed XXXX  Loan Number Statement date Payment due date Amount due XXXX XX/XX/XXXX XX/XX/XXXX {$3900.00} Explanation of amount due Principal {$520.00} Interest {$520.00} Escrow ( taxes & insurance ) {$2900.00} Total regular monthly payment {$3900.00} Total amount due {$3900.00} Truist Bank XXXX XXXX XXXX XXXX XXXX MD XXXX Mail payments to : Loan information Loan number XXXX Principal balance XXXX {$240000.00} Escrow balance {$1300.00} Maturity date XX/XX/XXXX Interest rate 2.625 % Partial payments balance ( unapplied ) {$0.00} Amount due : *Due by XX/XX/XXXX {$1300.00} {$52.00} late fee will be charged after XX/XX/XXXX Loan Number Statement date Payment due date Amount due XXXX XXXX XXXXXX/XX/XXXX {$1300.00} Explanation of amount due Principal {$510.00} Interest {$520.00} Escrow ( taxes & insurance ) {$330.00} Total regular monthly payment {$1300.00} Total fees and charges {$0.00} Past due payment ( s ) {$0.00} Total amount due {$1300.00} Truist Bank XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2024-10-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Lloyd & McDaniel, PLC (GA)

On XX/XX/year>, I received a letter in the mail from an attorney not associated with the matter notifying me a lawsuit was filed against me in a county I do not live in to garnish my wages. According to the letter the case number is XXXX. I owe XXXX XXXX. However, the amount owed now is exponentially higher than my original debt. The company they hired is XXXX and XXXX, XXXX. When I became aware of the lawsuit, I immediately called and left several messages requesting someone to return my call to discuss the matter. I could not speak to a live person. Their message stated XXXX XXXX XXXX acquired XXXX and XXXX. 

Currently, I am experiencing medical issues and financial difficulties. I have a chronic health issue that caused me to be out of work for XXXX weeks in XXXX, 2024 for a total XXXX XXXX. In a matter of days, I will be out again for a minimum of XXXX weeks to have my other knee replaced. 

I can't afford to have my wages garnished and would like assistance with setting up a payment plan and relief of the penalties, interest and legal fees added to the debt.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : a credit card account opened at XXXX XXXX on XX/XX/XXXX account number ( XXXX ) ; a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX account number ( XXXX ) ; a credit card account opened at XXXX XXXX on XX/XX/XXXX account number ( XXXX ) ; a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX account number ( XXXX ) ; a credit card account opened at XXXX XXXX XXXXXX/XX/XXXX account number ( XXXX ) ; a credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX account number ( XXXX ) ; a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX account number ( XXXX ) ; a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXX account number ( XXXX ) ; a line of credit account opened at XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX account number ( XXXX ) ; a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account XXXX ( XXXX ) ; an inquire from XXXX XXXX on XX/XX/XXXX XXXX an inquire from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; an inquire from XXXX XXXX XXXX  on XXXX ; an inquire from XXXX XXXX XXXX on XX/XX/XXXX and an inquire from XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-28
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. (NY)

I am writing to notify you that I am a victim of a data breach, and I have identified several accounts and credit inquiries on my credit report that I did not authorize or open. In accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit report immediately : Fraudulent Accounts : 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 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/XXXX
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I write this in reference to the Fair Credit Reporting Act ( FCRA ) and believe my federally protected consumer rights ; specifically my right to privacy and confidentiality under 15 USC 1681, have been breached. The accounts involved in this violation are as follows : XXXX - Account number : XXXX XXXX XXXXXXXX - Account number : XXXX XXXX XXXX XXXX  - Account number : XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX - Account number : XXXX Section XXXX ( A ) of 15 U.S.C 1681 safeguards my right to privacy. Additionally, Section 604 ( A ) ( 2 ) of the same code outlines that a consumer reporting agency may not provide account details without the written consent of the concerned consumer.

Section 1681c ( a ) ( 5 ) of 15 U.S.C mandates that a consumer reporting agency can not include any adverse information other than criminal conviction records that predate the report by over seven years.

As per 15 U.S.C 16 1681s-2 ( A ) ( 1 ), it is illegal for anyone to furnish consumer-related information to any consumer reporting agency if they are aware, or have justifiable reason to believe, that such information is inaccurate. 

These inaccuracies are currently obstructing my ability to purchase a home for my family and are negatively impacting my financial prospects. I hereby request the immediate deletion of these inaccuracies from my credit report. 

I anticipate your swift attention to rectify these inaccuracies, as this matter is crucial to my financial future.