davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RoundPoint Mortgage Servicing LLC (MA)

XXXX XXXX serviced the mortgage for a short time. After XXXX XXXX XXXX, XXXX XXXX XXXX has serviced my mortgage for 6 - 8 years. I've set up payment through my bank to pay my mortgage. I usually pay twice a week to pay for the month. Due to XXXX XXXX XXXX XXXX and being forced to retire, my payment strategy has shifted. So, on XX/XX/XXXX, I made a payment ( through my online banking set-up ) for {$2200.00}. ( The mortgage payment is {$2300.00}, but it is an error because they include insurance, which I have already paid and is another to-do list item to reconcile with mortgage services. ) A few days later, RoundPoint sent a letter stating they had taken over my mortgage. When I called customer service at Roudpoint with many questions, they stated the following : credit reporting will not occur for 60 days use their Round Point app to make payments they do not know what happened to the XX/XX/XXXX XXXX XXXX transferring issues could be the cause of why the XX/XX/XXXX {$2200.00} payment has not been applied call back On XX/XX/XXXX, the Roundpoint App, I paid {$2300.00}. When I paid this amount through the app, I noticed a red flag stating it was 25 days past due. This red flag wording indicated they had not applied the XX/XX/XXXX payment. A few days later, I called Roundpoint to get answers to some of my questions.

When I called the number, the automated voice stated that RoundPoint is a debt collection agency, and the customer service rep informed me that my mortgage was a debt. The customer service rep explained that Roundpoint services loans and collects debt. To my horror and surprise, I responded that I did not want my mortgage being serviced with Roundpoiunt, and they sounded like a scam. The customer service rep placed me on mute because they were not responding to my words. While I was on the line, asking if anyone was there, the automotive voice came on for me to take a survey. Promptly after hanging up with that call, once the automated survey was voiced, I filed a complaint with XXXX XXXX and XXXX.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (GA)

NCB Management Services , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX NOTICE OF DISPUTE To : NCB Management Services , INC., agents, representatives, & employees I, XXXX XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME WITH VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSIST OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 

The original creditor is in noncompliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to non-affiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. This notice makes you an accomplice.

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESNTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
THIS IS A WARNING!!! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES XXXX XXXX. 


Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Asset Management, LLC, Duluth, GA Branch (TX)

THE FINAL PAYMENT OF {$120.00} FOR CASE FILE # XXXX TO XXXX XXXX XXXX ON BEHALF OF CROWN ASSET MANAGMENT LLC. 
THE PAYMENT WAS SENT VIA PRIORITY MAIL ( XXXX XXXX XXXX XXXX XXXX ) VIA XXXX XXXX XXXX XXXX ( XXXX ). THE MONEY ORDER WAS CASHED BY XXXX XXXX OR CROWN ASSET MANAGEMENT AS OF XX/XX/XXXX. 

AFTER COMPLETING THIS PAYMENT, MY ATTORNEY ADVISED ME THAT THE COMPANY XXXX XXXX XXXX WOULD SEND ME A SIF LETTER 10 DAYS AFTER THE COMPLETION OF THE PAYMENT TO SENT TO ALL CREDITORS TO UPDATE MY CREDIT FILE WITH EACH BUREAU THAT THIS INFORMATION HAS BEEN REPORTED. THE SIL ( SETTLEMENT IN FULL ) LETTER HAS NOT BEEN RECEIVED FROM THIS CREDITOR MARKING THAT THIS ACCOUNT IS NOW CLOSED AND SETTLED AS AGREED.
Consumer complaint received 2024-08-17
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (CA)

The company wornfully charged me double the amount for almost a year despite complaning about it they always threatened me to cancel my services. When I was helped the plan was modified and the amount per month was going to be XXXX or XXXX per month and it happen again the bill started wrong charging me XXXX or more and again I called and complaint and they were forcing me to just pay and to dispute this charge on a different department and because I refuse to do that they decided to cancel the services and also blocked my devices so I wouldn't go to a different wireless provided when the devices are own by me and that I already paid for them they still blocked them stating that I did not finish the contract but in reality they are the ones that changed the amount of the contract and when I reached out to them they awknowledge what they did wrong but they had already cancel the services and I was forced to get a new plan elsewhere since they just ignored all of my complaints. I am willing to go to court and prove the bad services and the wrongfull way this company is stealing money from customers taking advantage of their power and their money to ruin peoples credit and reputation.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (AL)

In XXXX, I signed up for a Chase/Marriott Credit card . I was promised XXXX nights at the Marriott after spending XXXX dollars. A {$95.00} application charge was billed to this card. In XX/XX/XXXX, I began my {$5000.00} spending journey. I requested additional credit and was denied. ( I have that letter of denial ). My limit was therefore frozen at {$5000.00} the same amount that I had to spend to meet my end of the deal. I spent until my card was embarrassingly denied several times. I called the XXXX on the back of my card to ensure that I would get my reward. Each time the representative assured me that I would be getting my reward and that I had spent {$5000.00}. Additionally, I spent the required amount before the deadline of XXXX, XXXX ( within 3 months ). I have called Chase several times concerning the matter of not receiving my reward. They explain it to me and I counter with valid responses. I finally talk to a supervisor, who again says that I did not reach the spending requirement. I explain that I was denied using my card for additional purchases. Also that I had called several times before XX/XX/XXXX to ensure that I had spent my required amount. Each time I was assured that I had reached the obligatory spending amount and that I would be receiving my reward. The first time that I had inquired about not receiving my reward, I was told that it can take a couple of billing cycles to receive my award. I have waited patiently and have spent a lot of my valuable time talking about this issue. Additionally, I could have spent my money with XXXX XXXX XXXX where I receive a minimum of 1 mile for every dollar spent. Not only do I receive miles for my purchases, but each dollar spent puts me closer to earning the XXXX XXXX Status, which comes with many valuable rewards. I earned that XXXX status by spending a lot of money with XXXX XXXX in XXXX. So, for the entire year of XXXX, I am reaping all kinds of upgrades and even money. Additionally, I am out the {$95.00} investment money that I spent to sign up for the Chase/Marriott card to begin with. It was supposed to be a good deal for me, making the sign-up fee worth the investment in my final reward. I am weary of this process, but I am not giving up. All, I want is what Chase promised me. I kept my end of the deal. Chase should keep theirs. Thank you for hearing my case. I hope that you will contact me with any further information needed to ultimately receive my award from Chase Bank.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX.
Consumer complaint received 2023-10-05
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: LoanCare, LLC (NV)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. LOANCARE SERVICING C XXXX was reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: VW Credit, Inc (NJ)

Dear Sir/Madam, I am writing to dispute recent fraudulent activity associated with my credit report. VW CREDIT INC and XXXX XXXX is reporting to the credit bureaus I have an account with them and. I do not or ever have. I have reason to believe that fraudulent verification of debt has occurred without any contractual basis or sufficient evidence. 
Upon reviewing the documentation AND the information from representatives of both parties, it has become apparent that the verification process was not conducted properly & solely through audio recordings, with no accompanying contract or agreement. This raises significant concerns regarding the legitimacy and legality of the verification process. 
As a responsible customer, I have always maintained clear and transparent communication regarding my financial obligations. However, the absence of a formal contract or agreement undermines the integrity of this process and casts doubt on the validity of the verification. 
Furthermore, relying solely on things like audio recordings for debt verification lacks transparency and fails to provide adequate evidence to support the process. Without a written agreement outlining the terms and conditions of the debt verification ( WHICH CAN ALSO BE FABRICATED ), I can not accept the validity of this process. 
I kindly request that both VW CREDIT INC and XXXX XXXX ( XXXX ) BE REMOVED OR provide me with the following information to address this matter : A copy of the original contract FROM THE DEALERSHIP THIS LOAN WAS ESTABLISHED FROM. 
Any documentation supporting the use of audio recordings as a valid method of debt verification. 
Clarification on how the verification process was conducted and how it complies with relevant regulations and legal standards.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (CA)

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX  to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : ACCOUNTS AND INQUIRIRES WHICH I have stated sent docs not mine and you are still reporting them as accurate you need to cease and desist this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2024-09-13
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. (PA)

Dear CFPB, Im writing to you about a serious issue with Equifax and other credit reporting agencies. Ive encountered multiple problems that indicate fraudulent reporting, and despite my attempts to resolve these issues, Im met with what seems like deliberate stalling tactics. 

I initially sent disputes to Equifax on XX/XX/XXXX, concerning several accounts : XXXX. XXXX XXXX Account Inconsistent Reporting : The account shows conflicting statuses like " Derogatory, '' " Collection/Chargeoff, '' and " Paid charge off. '' These inconsistencies are misleading and damaging to my credit profile. 
Contradictory Information : The report lists an " Unpaid balance reported as a loss by credit grantor, '' which contradicts the " Paid charge off '' status. This discrepancy negatively impacts my creditworthiness. 
Fraudulent Reporting : The contradictory information appears intentional and could be considered fraudulent. I requested the removal of this account, but it remains unresolved. 
XXXX. XXXX XXXX Account Re-Aged Account : XXXX shows the " Date of Last Payment '' as XX/XX/XXXX, and the " Date Last Active '' as XX/XX/XXXX. Equifax changed these dates to XX/XX/XXXX, making it appear as if the account is negative longer than it should be. This alteration seems deliberate and fraudulent. 
XXXX. XXXX XXXX XXXX Account Errors and Misleading Information : Account Type : Reported as " Open Account '' instead of " Collection. '' Date Opened : Shows as XX/XX/XXXX, which is unusual for a collection account. 
Balance and Terms : Reported inconsistently, with vague comments and discrepancies in the terms and payment status. 
XXXX. XXXX ( XXXX ) and XXXX XXXX XXXX Reporting Conflicting Information : Both entities report the same account with conflicting details : XXXX ( XXXX ) : Account Number : XXXX, Status : Charged off as bad debt. 
XXXX XXXX XXXX : Account Number : XXXX, Status : XXXX. 
Despite providing Equifax with copies of my ID and Social Security card, they claim they have not received these documents. This is incorrect ; I have attached proof of my disputes, ID, and Social Security card for your review. Equifax has repeatedly sent me stall tactic letters, claiming they can not locate my file with the provided information. I received XXXX such letters on XX/XX/XXXX, and XX/XX/XXXX, which I believe are maliciously intended to hinder my progress. 

This situation feels like a deliberate attempt to obstruct and mislead, as my attorney, XXXX XXXX, has also noted. I am deeply violated and hurt by this treatment. Equifax and the other involved agencies are engaging in fraudulent practices, and I am considering legal action. 

Please investigate these issues thoroughly. I am seeking your assistance in resolving these fraudulent entries and ensuring that my rights are upheld. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (WY)

This loan was fraudulently taken out under my name. I did not live in Utah at the time, and I was not attending college in Utah in XXXX. Transcripts will show that I was taking classes in Wyoming. This has been ongoing since XXXX.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: KEYCORP (IL)

I received a call from someone claiming to be from Key Bank. They had my name and the last XXXX digits of my social security number and my zip code and they claimed the application came from New York. I told them to cancel it. I was turned over to XXXX from the Consumer Fraud dept but he started fishing for information so I said I would hang up and call back. I asked him to cancel the application and he refused. The phone number called from ( XXXX ) is not in service if you call back. The happened XXXX at XXXX XXXX  and the caller ID was XXXXXXXX XXXX
Consumer complaint received 2024-10-18
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: Bursey & Associates, P.C. (AZ)

Bursey & Associates , P.C . 
XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX Phone : ( XXXX ) XXXX To Whom It May Concern, I am writing to formally request the immediate return of a payment made to your firm for services that I never received. Despite multiple efforts to resolve this issue, I have not been provided with the service in question, and as such, I am requesting a full refund of [ XXXX ]. 

Under the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for debt collectors to mislead consumers or to collect payments under false pretenses. Failure to refund my payment will leave me no choice but to pursue legal action, including but not limited to filing a lawsuit for the recovery of funds and seeking damages for any undue stress caused by this situation.

Please respond to this letter within 14 days to confirm the refund or to arrange a time to discuss this matter further.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TN)

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 I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : 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 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 I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
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 — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

I disputed accounts that were open fraudulent and asked for chex systems to remove these accounts with a ftc report stating my identity was stolen, they investigated stating that the accounts were accurate and refused to remove these accounts