davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
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: PLANET HOME LENDING, LLC (PR)

On XX/XX/XXXX at XXXX I talked with the customer service agent XXXX from Planet Home Lending about the process of authorization on my late father 's mortgage. Since I am the only and universal heir, I am the person that wants to assume the loan since the house is mine by the law. During the call I requested the status of the authorization documents I sent on XX/XX/XXXX to Planet Home Lending at their request. XXXX XXXX said that in order to be authorized I had to submit the home insurance in my name. I sent on the package the said document, but in the name of the state of XXXX XXXX XXXX XXXX ( my father ) since the loan is his still at the moment. The customer service agent said that it had to have my name even if the law of XXXX XXXX about heirship says otherwise. They are requiring something that can not be done by law here. However, she still claims Planet Home Lending requires my name on the document. 

The document says XXXX XXXX XXXX XXXX XXXX XXXX, which is me. They have the documents that shows I'm the said heir. However, they won't allow me to be authorized. Since they don't allow me to be authorized due to a document and a situation that is out of my control, they are refusing to give me information that I require about the loan, such as monthly payments information, escrow, and others. Also, I requested a change of the postal address since I don't have access to it. They know this information since I've submitted a mortagage request on XX/XX/XXXX and a mortgage error letter on XX/XX/XXXX. It is important to highlight that I DO NOT receive ANY LETTERS related to the loan. So I don't get the monthly statements and haven'g gotten any AT ALL. 

I've been denied having access to my fathers loan, a loan that I am responsible of. I've been trying to be diligent about the matter, but Planet Home Lending wont let me assume the loan and make such changes. Then they send the same letter over and over again asking for documents they already have, and even ask for a document that can not be changed due to the law. They are asking for something that can not be done. They are going against the law and they are violating my own rights as the owner of the property, as a heir and as the person that wants to be responsible and comply with a responsability. 

I haven't been able to : 1. make payments 2. obtain information 3. change postal address 4. obtain letters and statements related to the loan 5. access their portal to see the loan 6. take the responsability of the loan
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc (TX)

Ive received a letter in the mail pertaining to a XXXX  debt in which Im not responsible for .. the debt belongs to the person whos credit card or whatever payment method they used to put on file when they obtained the vehicle the only thing I did was put my drivers license down so they could obtain the vehicle and had I known they werent going to pay I would have never put my name on the line the debt of which they owe does not belong to me please contact them pertaining to this matter.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

The account for JP MorganChase Bank ( credit card ) shows as charged off/closed account when this account was paid off. I contacted the company 2 weeks ago but nothing was resolved. The amouint paid to them for the pay off was {$1100.00} on XX/XX/2023 but somehow it shows as charged off/closed account on XXXX, XXXX & XXXX . 
Please see attached document showing paid to JP MorganChase Bank on XX/XX/2023 in the amount of {$1100.00}.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Quality Asset Recovery LLC (FL)

XXXX XXXX has been placed an account on my credit report that I have no knowledge of. When asked to validate the debt they refused. I refuse to pay this debt and I do not owe it. I am not liable for the debt and XXXX XXXX and I do not have a contract
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Lennar Financial Services, LLC (TX)

Never served, subpoena received or eviction listed on record. Divorced XXXX XXXX, XXXX, finalized XXXX, debt letter shows released from credit responsibility. This was prior to listed eviction of XX/XX/XXXX. Moved out of home with signed lease XX/XX/XXXX and move in XX/XX/XXXX, attached. Never had a forwarding address. Please remove eviction from RECORD for XXXX XXXX. Currently, realpage tenant screening denied approval of apartment due to this false Eviction upon my behalf. Information is inaccurate, I never stood before the court, this is preventing shelter for single mother and son!
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

Equifax, XXXX and XXXX XXXXXXXX XXXX XXXXXXXX are violating my consumer rights by reporting a late payment for the account ending XXXX, XXXX year> that they have not proved to be verified as accurate. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge Company information Equifax continues to violate my consumer rights, which I deem harmful to my financial health.
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (TX)

I opened a Robinhood Invest account on XX/XX/year> and a Robinhood Spend on XX/XX/year>. Over the course of a couple weeks I deposited over {$9000.00} into the accounts. On XX/XX/year>, I had tried to make a payment to my credit card from the XXXX account, but Robinhood rejected the transfer and subsequently restricted my account. They asked for statements of the bank I used to make deposits and I provided those, but they still decided to close my account and haven't unlocked my funds to be available to withdraw yet. I asked for a reason and they just gave me a generic XXXX XXXX response that basically said " our terms say we can do whatever we want whenever we want and not tell you '' I was looking forward to using the account, but now I just want my money back.
Consumer complaint received 2023-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX Balance : {$66.00}.
Consumer complaint received 2024-06-04
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. (GA)

I recently have been submitting multiple request for investigation and reinvestigation of these account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which Equifax refused to properly conduct. I submitted enough factual highlighted and outlined information for them to carry out a reasonable and thorough investigation of my disputes, they obviously did not investigate these accounts lawfully the last four times that I submitted my factual disputes through the mail certified.
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (NJ)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NJ XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX  Iowa XXXX Subject : Complaint against RMP Services LLC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against RMP Services LLC for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ).

1. **Failure to Provide Validation Information : ** RMP Services LLC has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question. 

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account.

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that RMP Services LLC ceases such practices immediately.

4. **Failure to Provide Disclosures : ** RMP Services LLC has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. **Cease and Desist Order : ** I dispute all debts claimed by RMP Services LLC , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation.

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between RMP Services LLC and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of RMP Services LLC. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

On XX/XX/year>, we tried to buy a stand up paddle board with the card. The purchase was about {$1500.00}. We were {$18000.00} away from our limit and our account is in good standing with a very high credit score. 

The purchase was declined. When we called the company ( Citi ) for more information, we were told a fraud warning had been issued and had been cleared. We could make the purchase. 

After trying again, the purchase was again declined. When we called again, despite trying different solutions for over an hour, Citi could not allow us to make the purchase. 

We were left with no recourse and could not make the purchase with the credit card.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow XXXX disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2024-07-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (ND)

My AmEx gift card was for {$200.00}. I submitted an order from XXXX for a pair of shoes on XX/XX/XXXX. The order appeared to go through but then I got an email that my order had been cancelled, on XX/XX/XXXX : Dear XXXX, Unfortunately, we are unable to secure a credit card authorization for this order and you have not been charged. Any temporary authorization you may see on your credit card or other form of payment will drop off. The following order has been canceled. 

Thanks, Your friends at XXXX I called XXXX and tried to order over the phone. The person I talked to said my order went through but then, again, I got an email that it had been canceled due to the payment not being approved. 

I tried called American Express but couldn't get through to anybody. The recording told me to try their website ( XXXX XXXX. The website says to try a different company so I tried ordering from XXXX XXXX on XX/XX/XXXX. I got the same message, that the card wasn't valid. 

One of the reviews that I found on XXXX said to try to transfer the card to XXXX XXXX and see if you could use it that way. I tried that but not sure if it worked, or not. 

The last time I could access the card it showed my balance was now down to {$190.00}. As of today, XX/XX/XXXX, I am not able to open the link to the card so I have no idea what's going on.
Consumer complaint received 2023-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to contest any information on my credit report that may be inaccurate or undocumented. I kindly request that you please review my credit report in accordance with the FCRA. Kindly remove the Inquiry from my XXXX and Transunion report that is dated for XX/XX/2023. This was not authorized. 

XXXX Card- XX/XX/2023 If there are any inaccuracies or non-compliances, I kindly request that they be removed from my credit report. 

Thank You,
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please delete these inaccurate names an addresses they do not belong to me by the fcra states that anything inaccurate incomplete or unverifiable needs to corrected immediately to show the accurate information I should only have XXXX name which is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX Ga XXXX I also provided proof anything other then this is inaccurate names addresses are below thats inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX
Consumer complaint received 2024-07-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am respectfully seeking your protection against the XXXX XXXX XXXX violating my banking rights, in disregard for the XXXX. guidelines. Thus, XXXX XXXX XXXX  discriminates against a senior citizen, like I, because I do not possess a mobile devise but am using a desk phone without a built-in camera. 
On XX/XX/year>, XXXX XXXX XXXX has opened my savings accounts and accepted my deposits. After getting hold of my funds, they decided to verify my identity by requesting that Id scan my state driver license with my mobile device. Since I do not possess a mobile device, I have explained this fact verbally and in writing to the Office of their CEO. But, as of today, my complaints remain ignored and unsolved. 
Furthermore, instead of offering me an alternate method for identity verification, the XXXX XXXX XXXX has abusively XXXX my Sign-In to the online account. Thus, I'm unable to access my deposits online. 
Moreover, such violation of my banking rights the XXXX XXXX XXXX is disguised as a simple glitch. Thus, for the last XXXX months, every single time I am trying to Sign-In to my online account, I keep getting the same deceitful message : " Looks like something went wrong, try again ''. 
I hope you could order the XXXX XXXX XXXX  to immediately enable my online Sign-in, so I could access my deposits at their XXXX XXXX XXXX 
Thanking you for your kind attention to this matter, I remain yours, Truly, XXXX XXXX
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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 conventions of crimes which antedates the report by more than 7 years.

15 U.S.C 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 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (TN)

They locked my account because of me trying to send money to myself at another institution via XXXX. 

First of all, I wouldn't have even had to use XXXX if I could send money to my other account without a fee, but they charge you to send money to external accounts. No other bank I have does this. Since they do this, I tried to transfer the money via XXXX instead since there are no fees. 

I had less than {$1000.00} in my account, but they wouldn't let me send it all at once. So I had to break it up into XXXX smaller transactions of {$200.00} each and another transaction of {$63.00}. The first XXXX went through, but they blocked the last XXXX transactions saying they needed further review. I went ahead and just canceled the last XXXX transactions. 

When I attempted to log in a couple days later, access to my online account was locked. I called the number on the lock screen, gave them all information to verify I owned the account and that the transactions were legitimate, yet they still wouldn't release the hold. 

They said I needed to drive to a branch ( which is over an hour away ) to release the hold. I didn't have to go to a branch to open the account. I did it online. I didn't even have to go to a branch to deposit funds. It was all done digitally. So why would I be forced to make a two hour round trip to get access to my own money? 

I then asked them to go ahead and close the account and send me a check for the remaining funds. They said they couldn't do that without me going to a branch either. In all my days of digital banking never once have I heard such a thing.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

My husband and I banked with XXXX XXXX in XXXX XXXX for 30 years and were among the accounts Chase inherited from XXXX XXXX following its failure during the pandemic. After Chase issued me a debit card this year, I elected to close a Chase XXXX credit card that I opened years ago for business purposes that no longer existed for me. I called customer service on XX/XX/year>, waited to speak to an operator, stated my business, and eventually was connected to a person with authority to close the account. However, that person argued with me extensively, saying he was reluctant to close an account that had been active for XXXX  years. He offered all sorts of options that I did not need or want. I was forced to keep stating that I wanted to close the account while he kept making offers that I am sure would have required continuing fees or payments from me. Eventually he agreed to close the account. I did not appreciate being pressured to accept alternatives to closing a credit card that would have extended my financial obligations to Chase.