davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Aldridge Pite, LLP (CA)

This is from XXXX showing the sale of the said property. I'm requesting CFPB insist on providing XXXX XXXX All the transactional documents, including bank transfer of funds of any kind, in this foreclosure. They provide numbers, no documents. No signatures, no ownership. Just a bunch of words on a piece of paper. 

RICO in process. 
Status Company responded on XXXXXX/XX/XXXX Response Type Closed with explanation Company 's Response Dear XXXX XXXX XXXX : We are writing in response to a dispute that you filed with the Consumer Financial Protection Bureau ( CFPB ) with regard to the above-referenced mortgage loan. We understand that by filing a dispute with the CFPB, you have authorized us to upload a copy of our response to the CFPB website. We further understand that you are requesting the CFPB to assist you with the application of funds and foreclosure sale date. A response was provided on XXXX XXXX XXXX through the CFPB portal for complaint numbers XXXX and XXXX XXXX. An additional response was provided on XX/XX/XXXXXXXX XXXX XXXX  through the CFPB portal for complaint numbers XXXX XXXX and XXXX. A foreclosure sale was completed on XX/XX/XXXX. The account was settled through foreclosure sale funds on XX/XX/XXXX. At this time, the account is no longer due for a monthly payment to XXXX. Prior to the foreclosure sale being completed, the account was past due for the XX/XX/XXXX, and each payment that had become due thereafter. XXXX was unable to accept single payments for the above referenced account due to the loans delinquency, and because the account had not entered into a loss mitigation plan. All funds received for less than the total amount due were returned to you. Enclosed is a copy of the loan history statement. Although XXXX regrets any inconvenience regarding this matter, we have been unable to determine that any error has occurred. You have the right to request documentation supporting our determination. We appreciate your business and the opportunity to review this matter for you. For any additional inquiries or assistance, please visit our website at www.shellpointmtg.com. Alternatively, feel free to contact us directly at XXXX for further assistance. You can also find helpful information on our Frequently Asked Questions page. Simply log in to your account on our website, click on Help, and choose FAQs from the drop-down menu for quick access to answers to common questions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (HI)

On XXXX XX/XX/year> I sent a Registered Mail parcel REF XXXX XXXX to AMERICAN EXPRESS Account ending in XXXX containing a Payment Instrument UCC 3-104 XXXX XXXXT along with a PAYMENT ORDER/Instruction UCC 4A-103. ( See attachments ) AMERICAN EXPRESS received the XXXX XXXX XXXX XXXX XX/XX/year>. To date they have refused to except my Instrument as payment with no legal justification. According to XXXX XXXX TENDER OF PAYMENT ( b ) IF tender of payment of an obligation to pay an instrument is mat to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender. The Instrument was stamped and endorsed tendered in the amount of {$3300.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. According to the Law that govern consumer transactions this debt is Discharged. 

UCC 3-301. PERSON ENTITLED TO ENFORCE INSTRUMENT states that the " Person entitled to enforce '' an instrument means ( i ) the holder of the instrument. I am the Holder of the Instrument, therefore I am entitled to Enforce the Instrument. I have made multiple attempts through phone communication informing AMERICAN EXPRESS of their NOTICE OF DISHONOR. XXXX XXXX. Their only response is that they dont except the form of payment they received from me. This indicates that they have received a payment resulting in a Discharge of the debt. I have asked for written justification of which they have refused to supply me. Their actions are a violation of multiple code/ laws covered Code of Federal Regulations and Uniform Commercial Code. AMERICAN EXPRESS has violated their fiduciary responsibilities as servicers of my Credit Line. I have a forensic Auditor at my discretion to investigate whether or not they have Securitize any portion of line of credit with AMERICAN EXPRESS.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

On XXXX XX/XX/year> I sent a Registered Mail parcel to USAA Credit Card XXXX Account ending in XXXX containing a Payment Instrument XXXX XXXXXXXX NEGOTIABLE INSTRUMENT along with a PAYMENT ORDER/Instruction XXXX XXXXXXXX. ( See attachments ) USAA received the XXXX XXXX XXXX XXXX XX/XX/year>. To date they have refused to except my Instrument as payment with no legal justification. According to XXXX XXXX TENDER OF PAYMENT ( b ) IF tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender. The XXXX was stamped and endorsed tendered in the amount of {$10000.00} XXXX XXXX XXXX XXXX XXXX and XXXXXXXX 31 CFR 328.6. According to the XXXX that govern consumer transactions this debt is XXXX. 
I have made multiple attempts through phone communication informing USAA of their NOTICE OF DISHONOR.XXXX XXXXXXXX. Their only response is that they dont except the form of payment they received from me. This indicates that they have received my payment resulting in a Discharge of the debt. I have asked for written justification of which they have refused to supply me. Their actions are a violation of multiple code/ laws covered Code of Federal Regulations and XXXX XXXX XXXX. USAA has violated their fiduciary responsibilities as servicers of my XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (HI)

On XXXX XX/XX/year> I sent a Registered Mail Ref # XXXX parcel to CITI CARDS Account ending in XXXX containing a Payment Instrument UCC 3-104 NEGOTIABLE INSTRUMENT along with a PAYMENT ORDER/Instruction UCC 4A-103. ( See attachments ) CITI CARDS received the Payment Instrument /order XXXX XX/XX/year>. To date they have refused to except my Instrument as payment with no legal justification. According to UCC 3-603 TENDER OF PAYMENT ( b ) IF tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender. The Instrument was stamped and endorsed tendered in the amount of {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX 31

CFR 328.6. According to t he Law that govern consumer transactions this debt is Discharged.

UCC 3-301. PERSON ENTITLED TO ENFORCE INSTRUMENT states that the " Person entitled to enforce '' an instrument means ( i ) the holder of the instrument. I am the Holder of the Instrument, therefore I am entitled to Enforce the Instrument. I have made multiple attempts through phone communication informing CITI CARDS of their NOTICE OF DISHONOR. UCC 3-503. Their only response is that they dont except the form of payment they received from me. This indicates that they have received my payment resulting in a Discharge of the debt. I have asked for written justification of which they have refused to supply me. Their actions are a violation of multiple code/ laws covered Code of Federal Regulations and Uniform Commercial Code. CITI CARDS has violated their fiduciary responsibilities as servicers of my Credit Line. I have a forensic Auditor at my discretion to investigate whether or not they have Securitize any portion of line of credit with CITI CARDS.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (GA)

Discover offered a credit card promotion and then put double interest into place. 
they kept increasing my credit limit etc and I really didn't understand their intent to increase interest. 
Finally I contacted them again for the 3rd time and they agreed to lower the interest rate. 
making it like it was my fault vs a partnership decision and they played no role in it. 
their advertising is a joke making it like they are your advocate. 
I am attaching a copy of what they agreed to and what their comments were. 
they assured me this was only " : in house '' and would not affect my credit or credit on the bureaus. I am writing this to make sure it does not. 
I will be paying this off and then I will make the decision whether they are closed or not as I just closed XXXX XXXX  XXXX cards due to interest and will only work with the ones with low interest and XXXX charges for credit card holding.
Consumer complaint received 2024-07-09
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. (KY)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 as well as 15 USC 6802 Obligations with respect to disclosures of personal information. 

The accounts are as follows : XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The prementioned companies have violated my rights as follow 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedantes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-18
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. (MD)

In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian was put on notice that it is violating my consumer rights and federal law by reporting inaccurate, incomplete account information that is claims was re-investigated and verified. How? Clear factual inaccuracies and XXXX compliance violations are noted. The noted accounts are NOT reportable and an are act of willful noncompliance and questionable reporting, per the FCRA for which remedy should be sought pending the Experian 's next response. 
See attachments.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (WV)

Jefferson Capital Systems , LLC is reporting XXXX accounts that have been closed since XXXX. 

The first original creditor is XXXX XXXX showing an amount of {$4200.00}. Jefferson Capital has relisted and re-aged the account multiple times even though I have disputed the information. As of XX/XX/XXXX, it looks like they relisted the account showing it opened as of XX/XX/XXXX which is not possible. The original creditor is showing as " Jefferson Capital LL '' which is also false. I never had any original agreement with this company! I have disputed this debt and requested that their false information be removed many times, but they will not do so! I demand that this be removed as it is hurting my credit score. 

The other debt they are reporting is a XXXX XXXX debt showing an amount of {$1900.00}. Jefferson Capital is showing that this account has been opened since XX/XX/XXXX which is not possible! Again, the original creditor is showing as " Jefferson Capital LL '' which is also not possible. They are falsifying these reports as they are not the original creditors! XXXX and XXXX were the original creditors from XXXX. 

I am demanding that they be held accountable and that their false information be removed from my credit reports completely! They should not be allowed to report false information just to try and achieve financial gain.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (LA)

Account is not correct. In Collections/Charge-off needs to be removed. Account status should be close and paid in full.

We have not received the PAID IN FULL Letter from Hyundai.

Responding to Company remarks on XX/XX/year> : - Never received final letter invoice/must be paid in 30 days.

- I have proof of the conversation for approval of paying balance in XX/XX/year>. 

- Auto Payments were never late. Hyundai stated they never received the cashier check - but the supporting documentation provided shows Hyundai received check from USPS with signature. We had to wait 90 days for the cashier check to be returned due to Hyundai 's negligence.

- After I submitted my proof and on behalf my husband ( joint account ) Hyundai requested additional time to research and respond to this complaint. My husband and I have not received a response.

- Two Payments were made on XX/XX/year>. This Conversation was tape recorded with Hyundai 's representative XXXX. I informed him ( XXXX XXXX XXXX XXXX ) I was using my husband debit card ( XXXX XXXX XXXX )- which is link to our joint account with XXXX XXXX Bank. 

- Payments were received per conversation from XXXX and from XXXX XXXX XXXX  documentation. 

About 2 hours later - Hyundai " Charged my husband Debit Card Without His Authorization - leading to cancellation of debit card for Unauthorized Charge.

A Police Report was file for record and XXXX XXXX XXXX  submitted transaction made from Hyundai, but it Declined due to wrong expiration date.

Now I truly fear this company because they have my personal information including my husband. My husband and I don't feel safe with this company. What they did was illegal at both state and federal level. There are no trust.

Supporting documentations are provided.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have a XXXX credit card, with 0 % interest charges on purchases and balance transfers for 15 months. I just received my monthly statement for XX/XX/year> and there is a posted interest charge of {$91.00} ... .... I attempted to dispute this interest charge however the SavorOne/Capital XXXX website will not allow a dispute as this is a bank card generated charge, not from a merchant. there is no live chat feature as well only a " XXXX '' contact. I then called the XXXX customer service and the individual could not intelligently answer my question ( why am I being charged interest on a 0 % interest credit card ), only repeating " it's interest on purchases '' ... ...... I then asked to be transferred to the balance transfer team where I inquired about this misc. charge of {$91.00} but I was told this was not related to my recent balance transfer from a XXXX XXXX XXXX  account. I am confused and a bit upset that I could not resolve this obvious XXXX XXXX error.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXXXXXX XXXX I closed my credit card account with Capitol One due to unauthorized and unknown activity on my account BY THEM. I cut the card up. I spent the entire day demanding they acknowledge this by sending me an email or letter. They have continuously refused. On my account it says, " this account is restricted ''. I have no idea what this means but I do know THEY ARE STILL CHARGING ME INTEREST. This is criminal behavior and fraud. THE ACCOUNT WAS CLOSED BY ME ON XX/XX/year>. I NEED THIS ACKNOWLEDGED IN WRITING BY CAPITOL ONE. THEY KNOW WHAT THEY ARE DOING WHICH IS THEFT AND FRAUD. ANY INTEREST CHARGED SINCE XX/XX/XXXX MUST BE REFUNDED. I DON'T KNOW HOW TO STOP THEM. PLEASE HELP.
Consumer complaint received 2024-08-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC. (GA)

I sent the following to XXXX on XX/XX/year>, to cancel the account and stop the automatic payments since I couldnt do that online. I'd like to cancel the vehicle protection plan. I don't want to pay for it and never planned to sign up. I was forced to by the dealership and do not want it. Please cancel it and reply to me with a confirmation. l 've called your number multiple times and the call can not be completed. That's really weird. I also, tried to cancel online but your website won't allow me to do so. I'd also like a refund because I'm told I didn't have to have this service. I was lied to by the guy XXXX at the dealership who was no longer working there XXXX weeks after I made my purchase. How can I receive the refund? They never replied or canceled the account. I sent another email XX/XX/year> that was blocked. Then another on XX/XX/year>. Finally they replied to me with, Unfortunately, the email you submitted was incomplete we will need a signature and for the information request below to be completed to properly cancel. You can write the information on a piece of paper sign it and email it back to us. It appears you submitted the information to the main office, and they closed your case out due to the missing information. If there is any refund due to you it will be issued by the main office. Upon receipt of your request, we will deactivate your billing so you are not charged any further monthly installments while your cancellation request is being processed. Allow XXXX business days for processing. To check on the status of your request, please call XXXX and select option XXXX. 
Thank you for being a Mopar customer and we look forward to serving you again in the future. Once I did what they asked, I received this response Thank you. Your cancellation request has been received and entered. There will be no further billing activity on your payment plan. Please allow 21 days for processing. To check on the status of your cancellation, contact XXXX XXXX XXXX at XXXX, option XXXX. 
I do apologize for your inconvenience, but the information submitted wasn't submitted to the billing department so I can't advise why you weren't sent an email letting you know the information submitted wasn't complete it is XXXX different departments. 
Thank you. So it went from XXXX business days to 21 days to process. I still have yet to receive any confirmation of the cancellation in writing or the refund for XX/XX/XXXX and XX/XX/XXXX payments that should not have been taken. I had to cancel that card so that they would stop taking from it. Now Id like my refund to another card or a check mailed to me. Every time I try mail the main office my emails are being blocked. See proof with screenshots in attachments.