davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Debt collection — Rental debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (TX)

I contacted this company when I first identified that debt on my credit report on XX/XX/2019. I asked what the debt of {$2000.00} was for, as I did not owe the rental company anything, I stated that I left at the end of my lease. The agent I spoke with was very rude, stated that I needed to pay my bills. He used derogatory language when speaking with me. I again, asked what the debt was for. He finally stated that it was for a change of lock because I did not return the key to the apartment. I explained that was not correct, I did a final walk through with the leasing manage at that the time and gave her the key. I did not owe this debt. The agent stated that I would have to pay the debt and that they would not remove the debt until I did. The company began to call me, demanding payment. I again told the agent that I did not owe the debt and to please stop contacting me. The company continued to call me at times of the morning and night that are illegal.
Consumer complaint received 2024-10-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (CA)

Dear Creditor/Debt Collector, Please see the attached creditor letter from the FBI that I received today of Friday, XX/XX/year>. I am forwarding it to you as additional information regarding my unfortunate situation that occurred last year for your understanding and consideration. Sincerely, XXXX XXXX
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NY)

JEFFERSON CAPITAL SYSTEMS HAS MULTIPLE ENTRIES ON MY CREDIT REPORT WITH ASSUMED DEBT FOR ( 3 ) DIFFERENT AMOUNTS, NO ACCOUNT TYPE LISTED & NO ORIGINAL CREDITOR LISTED ONLY THIS COMPANY WHICH I DIDNT RECIEVE CREDIT FROM TO HAVE AN UNPAID DEBT IN THE FIRST PLACE.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (DC)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (MI)

Shellpoint Mortgage Servicing took over my loan from XXXX XXXX XXXX on XX/XX/year>. I sold my home on XX/XX/year>. The title company wire transferred the full payoff {$13000.00} amount to Shellpoint on XX/XX/year>. I have confirmed this wire transfer and have email confirmation. Shellpoint has still not applied this payment to my loan as requested. I have spoken to several managers who have acknowledged the problem is on their end. Its been XXXX weeks. They keep telling me they have escalated the problem but I have not been given a timeline for resolution. I still keep getting calls from them on a daily basis telling me my loan will soon be delinquent and will be reported to the credit bureau. I have made XXXX payments {$300.00} and {$290.00} after the closing of my house to avoid that happening. I do not want my credit negatively affected. I urgently want this matter resolved but feel like I am being given the run around. They now OWE ME!
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

This account is reporting inaccurately because they are reporting against my wishes in general.You did NOT offer me this option at no point. 15 US code 6802 b ( 1 ) b Obligations with respect to disclosures of personal information. ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such a third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
15 US code 6803 states At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers. 
15 US code 6801 ( a ) Privacy obligation policy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguard In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
This debt was charged off. I never received the 1099C for this debt. Please provide me with the Assignment Contract of the Debt showing you have the right to collect on this debt. Since you did not offer me the opportunity to OPT out, you did not provide me with a clear disclosure. Provide written signed agreements saying that I was offered the option to OPT out of the account reporting prior to reporting. Are you denying me the above rights that were put in place as a way of fair regulation by the government?
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

I was informed by a representative of the XXXX XXXX XXXX that LexisNexis is reporting inaccurate information about my driving history, suggesting that I was involved in an accident that never took place. I therefore requested a copy of my LexisNexis driving history report directly from LexisNexis. I did this on two different occasions using their website interface ( their preferred method of requesting these reports ). My first request was made on XX/XX/year> ; my second request was made on XX/XX/year>. On both occasions, Lexis/Nexis refused to provide the report. Instead, they sent a denial letter. They did not give a clear and definite reason for making their refusal, other than that they claimed they were unable to " authenticate '' my identity. However, on both occasions, I entered all of the information that they requested, including my driver 's license number. I then contacted their customer service department to request the report verbally. Again, I provided all the information that was requested, including my driver 's license number. This was at the beginning of XXXX. The customer service representative insisted that all information looked correct and complete and that I would be receiving a hard copy report by mail within the federally mandated response time. At the conclusion of the call, I again asked the customer service rep to make sure that there were no potential problems with the request and was assured that I would be receiving a report. I have not received the aforementioned report, and in this last instance, I did not even receive a letter from Lexis/Nexis denying my request. Instead, they seem to have simply ignored my request.
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

I tired to wire-transfer {$6000.00} through online banking from my own Chase checking account to my own XXXX XXXXXXXX XXXX account on XX/XX/year>, however I found my chase online banking account was locked on XX/XX/scrub>XXXX then I called the chase online customer service at XXXX many times, but they said they couldnt help to pass the verification, I need to reach my banker, so I called my banker XXXX XXXX XXXX XXXX XXXX XXXX, also sent e-mail to him. 

On the XX/XX/year> morning, XXXX XXXX called my back, but he said he cant help me to unlock my account even he is my account manager, he said I still need to call customer service at XXXX, then I called the customer service again, they said actually my banker can maintain my record in the system, then I can unlock my account, I called XXXX XXXX again, he still said he cant do it, he can help me do nothing. 

Until now, I cant reach XXXX XXXX through phone and e-mail and my online bank account is still locked.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hello, this is second time I complain regarding citi bank closing my account. They requested ssa-89 form from me, I sent that form to them and they received it and they tell me that they processed it and state that they weren't able to process it. But it is completely impossible, so I asked them to reprocess it again because I believe there must be an error. They declined my request to reprocess it, also I wrote them that if they close and account that I wasn't able to use from the first day, they remove annual fee. They declined all my requests. So now I have to pay off {$500.00} annual fee. I feel like I am scammed, it's like a scheme, to approve you card with high annual fee then restrict it, once you send documents tell you that they weren't able to receive information and close the account, so you have to pay annual fee. Please help me, why won't they agree to reprocess the document, cause there could be an error on their side or on the side of the company that responsed them.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (PA)

I checked my XXXX XXXX account and it notifies me of any recent inquiries on me and my account. Says there was a new inquiry from " XXXX XXXX  '' on XX/XX/year> to XXXX. Additional information given was : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' So I googled XXXX XXXX and I found it refers to the Indigo Platinum Mastercard, issued by XXXX Bank. I have never dealt with them so technically this is an unauthorized credit check/report which may have taken some points off my credit. I would like to know more on this matter and to have it resolved effectively. Thanks
Consumer complaint received 2019-08-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: EQUIFAX, INC. (GA)

I'm not sure if this is a loan I borrowed o I remember paying a bill off. I would like to see a actual Contract were the collector Brought the contract in Original Signature of mine. 

I need to see the actual contract with my signature. 
Were is the accounting of these intrest and fee 's
Consumer complaint received 2023-08-29
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: Experian Information Solutions Inc. (MO)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items 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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Subject : TransUnion 's Violation of the Fair Credit Reporting Act - Urgent Assistance Needed Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing an ongoing issue with TransUnion, who I believe has repeatedly violated my rights under the Fair Credit Reporting Act ( FCRA ). 

On three separate occasions, I have disputed incorrect bankruptcy information listed on my credit report, and each time, TransUnion has failed to conduct a proper investigation. 

The details are as follows : - XXXX : I submitted my first dispute regarding the incorrect bankruptcy information. TransUnion claimed to have investigated the issue, but the record remained unchanged. 
- XXXX : I filed another dispute, and on XXXX*less than 12 hours laterI received an email stating that they had again investigated the matter and the record remained unchanged. Given the rapid response, it is clear to me that they simply reused the results from the previous dispute without performing a legitimate investigation. 
- XXXX : I made a third attempt to dispute the bankruptcy record. On XXXX at XXXX XXXX, I received yet another email indicating that TransUnion investigated the public record and found no changes.

I requested in writing that TransUnion provide me with their method and procedures for investigating the dispute, but they have failed to respond appropriately. As of now, they have not provided any proof of proper investigation or compliance with the law. I am left with an incorrect bankruptcy record on my credit report that is not mine, and TransUnion is continuing to disregard my rights. 

The bankruptcy record in question belongs to my father, XXXX XXXX, who has a similar Social Security number and previously lived at my address. I have never filed for bankruptcy, yet TransUnion refuses to correct this mistake. 

I am seeking your help in documenting this neglect and holding TransUnion accountable for their failure to comply with FCRA. If they do not remove this incorrect public record, I plan to take legal action. 

Please help me get the relief I am entitled to. TransUnion 's actions are not only irresponsible but deeply distressing, as they are profiting at the expense of consumers like me. 

Thank you for your time and attention to this matter. I look forward to your guidance and support. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, I transferred {$50.00} via XXXX to obtain the facial services. However, the merchant provided the fake address. I chat XXXX to assist me to dispute the transaction. XXXX had me to contact my financial institution JP Morgan Chase. On XX/XX/2023, JP Morgan Chase gave me temporary credit {$50.00} while they were investigating the transaction. On XX/XX/2023, JP Morgan Chase reversed the {$50.00} and I called JP Morgan Chase that this was a fraud transaction because the merchant gave me a fake service address. JP Morgan Chase said that Chase doesnt offer assistance for XXXX transactions. On the other hand, XXXX told me that for transaction $ dispute, I should contact my financial institution. Thereforethis brought me to file the complaint via CFPB.
Consumer complaint received 2024-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

As of XX/XX/year> I purchased fire insurance- this took me awhile to get so Specialized Loan Servicing ( now known as ShellPoint ) procured insurance and they opened an escrow account to service the payment of the insurance. 

I have asked since XX/XX/XXXX to have the escrow account I have done this via email, phone as well as certified letter. 

I am being told by this company that escrow has been closed but they are still charging me for lender placed insurance that said company is closed. 

I want my monthly payment to reflect the closure of the closed escrow account since I have my own insurance and again I pay my own property taxes - always have. 

I also would like to have them pay me interest on the monies they have held illegally from me...
Consumer complaint received 2024-09-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (TX)

I had a XXXX dollar CD from Goldman Sachs that took almost a month to collect after closing. I placed over 40 phone calls and heard every excuse. Rates fell while Marcus used a quarter of a million interest free for almost 4 weeks.
Consumer complaint received 2024-09-26
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: SYNCHRONY FINANCIAL (CA)

The total money that I am disputing is XXXX, I use XXXX XXXX XXXX credit credits cards to split the transaction, The first card is ending XXXX, the full account is I split this money on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, {$1300.00}, I filed dispute for this account, the investigation is already over, the issue resolved in my favor. As you can check on the sellers invoice as i have attached. The second card is ending XXXX which is this account, XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX, {$8300.00}, it is ridiculous and it doesn't make sense for the same transaction I just use XXXX different credit cards the first ending XXXX XXXX results in my favorite and the second XXXX XXXX failed, I use the return label that the seller provide to me and return drop off in the XXXX location and I have received from my return record. it appears that XXXX lost the package, it is not my responsibility since the shipping label is provided by the seller, I don't have any right on this, only the seller has responsibility and qualified to file a claim with XXXX, as a customer I did everything I need to do. and I already have win the case with my other account. I do not understand why this account failed to dispute, I have the record for the return shipment, I don't that the time that I paid on my position
Consumer complaint received 2024-09-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (FL)

On XXXX my credit has an increase of XXXX by department of education as student loan, I havent applied for any student loan, Mohela is the company that only owed XXXX as student loans. I received a letter from my health provider that my info was exposed or might be exposed at risk due to someone had access to my information. I need someone to help me to correct this huge mistake.
Consumer complaint received 2024-09-22
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (WV)

I reported fraud on XX/XX/XXXX in the amount of {$380.00}. When I reported this, I was told that a new card would be sent out and a dispute would be put in and I should receive an answer within XXXX days. I called on XX/XX/XXXX, to find out the resolution, but was told it was still under review. Come to find out that a fraud case wasn't even put in until I called on XX/XX/XXXX. However, I did not know this until further down the line. I called again on XX/XX/XXXX, XX/XX/XXXX and XXXX, XXXX only to get the same response. I was told numerous times that there wasn't an email or phone number to the fraud dept and they would be contacting me when they've reached a decision. On XX/XX/XXXX I finally got a phone number, name, and an email address to speak with the fraud department directly. I emailed them once on XX/XX/XXXX. In XXXX I emailed them on XXXX XXXX XXXX  XXXX. XX/XX/XXXX. XX/XX/XXXX, XXXX, XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. A total of XXXX times. The last XXXX emails came back as mailer-daemon. In XXXX I called on XXXX XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. In XXXX I called on XX/XX/XXXX, XXXX, XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. A total of XXXX times. The name, email address and phone number I received is, XXXX XXXX. My case number is XXXX. The card number that was fraudulent was XXXX in the amount of {$380.00}.