davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I am writing to formally lodge a complaint against SPS Mortgage concerning recent issues with force-placed hazard insurance on my property and ongoing harassment. 

Despite having continuous hazard insurance coverage through XXXX XXXX, Policy Number # # # #, since XX/XX/XXXX, SPS Mortgage has repeatedly attempted to impose additional insurance charges. In response to SPS 's letter dated XX/XX/XXXX, XXXX XXXX provided all necessary documentation to both SPS and my former bankruptcy attorney, demonstrating my consistent hazard insurance coverage since XXXX. SPS acknowledged this and removed the force-placed insurance fee XX/XX/XXXX. 

However, XXXX actions have been detrimental to my financial stability. In XXXX, I was forced to file for bankruptcy due to XXXX refusal to assist with mortgage loan modifications during a period of financial hardship caused by job loss. Despite assurances of reviewing documents and providing home retention alternatives, SPS proceeded with appraisals and issued foreclosure intent letters, which contributed to the bankruptcy filing. SPS continues to us descriptive and fraudulent practice XXXX. 

In XX/XX/XXXX, SPS again attempted to force-place hazard insurance, despite my ongoing coverage and a " tax escrow '' account. My current insurance with XXXX XXXX remains active. This unnecessary action by SPS has added approx {$3700.00} annually to my payments, increasing my XXXX bill by approximately {$250.00}, even though my bankruptcy case was voluntarily dismissed in XX/XX/XXXX. Additionally, SPS continues to harass me by listing my home on websites such as XXXX, despite all payments being current and up to date. 

SPS has not provided any written notification requiring me to obtain duplicate hazard insurance, nor have I been informed of any lack of proof of coverage that would justify this charge. If SPS requires additional hazard insurance, I request that this requirement be communicated in writing, along with a detailed breakdown of associated fees, the insurance company that would provide the coverage, and the rationale behind needing duplicate forced hazard insurance. 

Furthermore, I am also concerned about the actions of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, which have violated my civil liberties and First Amendment rights. 

I urge the CFPB to investigate this matter promptly and ensure that SPS Mortgage rectifies these issues to prevent further confusion and financial strain. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-05-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (TX)

From XX/XX/XXXX until XX/XX/XXXX I was charged XXXX each month for identity protection services without knowing why. When I questioned it was part of a service fee. Or abruptly stopped on XX/XX/XXXX after my first account statement. It was adjusted and from XX/XX/XXXX to current the fee was removed. Due to latest concerns with Wells Fargo, where these charges valid or were they placed improperly?
Consumer complaint received 2023-08-01
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. (TX)

There are late payments reporting on an account on my consumer report that are inaccurate and i would like them to be updated to current. Below that ive attached a direct email from the company of these late payments being update back in may and they are still reporting on my report. 

Account Name : XXXX XXXX
Consumer complaint received 2024-07-02
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. (FL)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX XXXX ( MO ) XXXX XXXX, XXXX. I PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIS
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

I revoked any and all permissions I unknowingly may have given to Brandsource to share my nonpublic personal information. And, I gave they strict written instructions as per 15 U.S.C. Section 1681 ( b ) ( 2 ) to not share my information yet they ignore me in violation of Federal Law and have continued to share it.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (NY)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX But I am not getting any response or completion of my request. I ahve also submitted the Innovis Credit Report Request Online form and NO SUCCESS. 
"
Consumer complaint received 2024-06-04
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: General Motors Financial Company, Inc. (CA)

My credit is on freeze status. On my XXXX XXXX XXXX XXXX XXXX reported an inquiry on my credit report which I did not apply for. 

Please remove immediately. Thank you.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TX)

I was purchasing ticket on XXXX XXXX and received a promotional offer to apply for a citi bank advantage card to use to buy the flights and receive a statement credit if I use the card to purchase those ticket. After applying and being approved I went to get the temporary card information and the website timed out. I then tried to called citibank to get that information and no one could give it to me. Stated I had to wait 7-10 to to get my actual card. I told them I needed to buy today that is why applied and what they apply now option stated. Use on your purchase today in exact words. I spoke with a manager who told me I could cancel this application and after waiting 10 minutes I could apply again and see if the temporary card information worked. I waited 30 minutes applied again and was denied. I called again and spoke to another manager XXXX who told me that is not true it could take 24 hours and the later in the conversation that switched to 5-7 days. Then later she started stating 7-10 days for other stuff. And told me again no one has access to temporary card info. Nothing she can do to help. This is not right. When you are in a store and you open a credit they immediately give you the card information if you are approved. Especially do not advertise you can use it right way if you can not. And then get lied to by managers.
Consumer complaint received 2024-05-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: GUARANTEED RATE INC. (IL)

I am writing to formally lodge a complaint against Guaranteed Rate Inc., specifically regarding their failure to order a VA appraisal in a timely manner, which has resulted in significant financial and personal hardships for my family and me. 

In XX/XX/XXXX, I engaged Guaranteed Rate Inc. to process a mortgage for a new construction home. Despite assurances that all necessary steps would be completed on schedule, the lender failed to order the VA appraisal until two days before the closing date, causing us to miss the closing. This negligence has led to severe repercussions, including : XXXX. As a XXXX veteran, I hired movers to assist with our move. Due to the delay, I am incurring daily charges for storing our household goods on the movers truck. 

XXXX. Our daily living expenses have increased as we are now displaced and lack proper storage for groceries, forcing us to rely heavily on fast food and restaurants. 

XXXX. I must now use public charging solutions for my car, which are XXXX times more expensive than charging at home. 

XXXX. I have taken time off work to manage the move, resulting in wasted days and loss of income. 

XXXX. Appliances scheduled for delivery on XX/XX/XXXX, had to be rescheduled to XX/XX/XXXX ( and will now need to be rescheduled again ), leaving us without a refrigerator or laundry facilities for a week. 

XXXX. This situation has put immense strain on our family, which includes a XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. As this is new construction, builder is assessing us a daily fee of {$320.00} everyday after XX/XX/XXXX ( original close day ) that we havent closed. After XX/XX/XXXX, if we dont close, builder will take $ XXXX in deposit money and cancel home purchase - leaving us XXXX XXXX in the hole. 

Despite multiple attempts to contact XXXX XXXX, the Loan Officer, and XXXX XXXX, the Loan Coordinator, I have received no response to my voicemails seeking an update and resolution. 

The lack of professionalism and failure to adhere to the agreed timeline by Guaranteed Rate Inc. is unacceptable. As a result, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure such negligence does not affect other consumers.

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (OH)

On XX/XX/XXXX placed an order from a company on XXXX. I was supposed to receive the product within 7/10 business days. I didnt receive the product. I filed a dispute with Chime. I advised chime I never received said products. Chime was supposed to investigate my claim. My claim was declined with no proof of delivery. Chime hadnt provided any information from the investigation. My order was cancelled by the merchant and I never received a credit back. 

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Transaction Was Cancelled Date Error Reported : XXXX Claim Amount : {$74.00}
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CA)

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and receive this validation. Additionally, California Civil Code Section 1788.18 ( Rosenthal Fair Debt Collection Practices Act ) and California Civil Code Section 1785.25 ( a ) provide further protections and require accurate reporting and fair collection practices.

As MIDLAND CREDIT has not met these legal requirements, I request that the Consumer Financial Protection Bureau investigate this matter. Specifically, I ask for : 1. An investigation into the practices of MIDLAND CREDIT concerning their failure to provide the legally mandated validation and verification of the debt.

2. If MIDLAND CREDIT can not provide the required proof, I request that this collection account be removed from my credit reports with all three major credit bureaus.

3. Appropriate action against MIDLAND CREDIT to ensure they comply with federal and state debt collection laws in the future.
Consumer complaint received 2024-05-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NY)

JEFFERSON CAPITAL SYSTEMS LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Collection Account and Request for Removal from Credit Report To Whom It May Concern, I am writing to formally dispute the collection account placed on my consumer report. The collection agency has not provided the necessary validation information required under 12 CFR 1006.34 ( b ) ( 5 ), and yet, the account has been reported to the credit reporting agencies. 

Additionally, I have not been given the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). As such, I believe my consumer rights have been violated. 

The collection agency is using false, misleading, misrepresentation, and deceptive means in its efforts to collect this debt, which is a clear violation of my consumer rights. Moreover, the agency has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures, as mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 

Given these violations, I am requesting the immediate removal of this collection account from my consumer report. Failure to comply with this request will leave me no choice but to pursue further legal action to enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance {$1800.00} Please acknowledge receipt of this letter and confirm, in writing, that you will remove the collection account from my consumer report. I expect a response within 30 days from the date of this letter. 
XXXX  Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following items ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC. (CA)

Robinhood closed my Brokerage account on XXXX. 

There was {$2100.00} available balance in my brokerage account. 

Robinhood sent me an email saying : due to account closure, {$3000.00} was returned to my funding debit card ending in XXXX. As a result, my brokerage account was put in deficit status with - {$840.00} negative balance ( - {$840.00} = {$2100.00} - {$3000.00} ). 

However, my debit card ending in XXXX only received {$2100.00} refund, not the {$3000.00} mentioned by Robinhood. 

I contacted Robinhood about this error but they refused to respond to my inquiry and my account has been put under deficit due to their error.
Consumer complaint received 2024-01-22
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. (NC)

I was a victim of identity theft. The person was caught and idicted ; however, I need these inquiried removed. 
Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-01
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. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A. Section : It also states a consumer reporting agency can not furnish an 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 convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( XXXX ) 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 2024-05-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (FL)

I have advised Carvana through social media, which lead to DMs and then phone calls about the car that they sold me. XXXX XXXX XXXXXXXX that I have owned since XXXX of XXXX has had needed more repairs than the vehicle 's actual worth. 
It is my assertion that the " 7 day guarantee '' is a way to bait and switch potential consumers thinking that any real issues would crop up in that time frame. That is absurd. 
I further assert that Carvana provides cars with parts that are at the end of their lives. These parts last just long enough to surpass any applicable " lemon laws '' for various states, and then leaves the unsuspecting consumer with EXCEEDINGLY costly repairs all while demanding the car note to be paid. Since I purchased the car, I've paid more than $ XXXX in car note payments along with close to $ XXXX in repairs from everything to a new alternator, XXXX new batteries, a new engine intake manifold gasket, New engine cover gasket, new canister purge valve new park plugs, purge valve hose, throttle body cleaner and fuel induction cleaning kit. My check tire pressure light won't go off for more than a couple of day despite constant checking and confirming that the tire pressure is at proper levels. My fuel inlet sensor keeps coming on, though no problems can be found there. 
I've paid hundreds in diagnostic fees. I've had to pay to get my car towed, because I was over the number of " entitlements '' that Triple A provided. 
Carvana has valued my car at {$4100.00}. I owe $ XXXX. They advised they could roll over {$2500.00} into a new loan which would leave me with more than a $ XXXX down payment. Where am I going to get that type of money? 
My option is to keep funneling money into a junk car, ruin my credit by voluntarily surrendering the vehicle or find a way for a hug down payment to get me into something else. How does this make sense? How is this ethical?

If this isn't a prime example of a Consumer being taken advantage of.. I don't know what is. 
I don't feel safe in that car. I feel as if every time I get in it there's a XX/XX/XXXX chance that something major is going to break and leave me injured or dead. 
I can't afford this financial money pit any longer. 
At the very least, I want this documented...
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc. (CT)

I received a call the person did not state where or why they were calling started the by stating a social security number and a name. I asked who they were and there address and they hung up the phone. I purchased a XXXX XXXX to locate the company by the phone number called from. I would like to file a complaint as this information could be used by anyone to commit fraud.
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (TX)

I never received information from the company. I recently tried to contact them and I can not find information on the company or where to locate them. All I know is that a lawyer has been contacted and decided to come after me rather than try to resolve this with me. I have not been able to find the law firm either so I currently do not know what to do because their tactic are horrible.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (OH)

I received a notification XX/XX/year> that a new collections account was added to my credit profile. AMSHER COLLECTION SERVICES never sent me any notification by mail informing me of my right to dispute the information before it was reported to my credit report, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g ( a ).