davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company (HI)

I am currently selling a home in XXXX  that we purchased in XXXX with a XXXX loan. I have moved to XXXX this month on XXXX XXXX XXXX. We secured a buyer in XXXX for a XXXX  loan assumption with our current mortgagee, Freedom Mortgage. We sent our initial Assumption Packet to Freedom on XX/XX/XXXX. We did not thereafter receive contact or calls from Freedom until we emailed on XX/XX/XXXX asking for an update. I received a call from Freedom on XX/XX/XXXX stating that they had a call set up on XX/XX/XXXX for the buyer to complete his portion of the application. This was completed on the XXXX. At this point we were quoted a XXXX day timetable to approval of the assumption. 

On XX/XX/XXXX I received an email from a different party at Freedom asking me to execute a XXXX XXXX XXXX, after which the timeline would be XXXX days. This was already more than a month after I was initially quoted the same timeline. I returned the executed form the same day, XX/XX/XXXX. The agent confirmed that there were no outstanding requirements to the assumption. On XX/XX/XXXX, one week after we had confirmation from Freedom that everything necessary was turned in, we received notification that the assumption had been submitted for initial underwriting. We have now been paying mortgage in a home we no longer occupy as a consequence of a XXXX move in addition to paying for housing in our XXXX XXXX station. We believe that Freedom has violated the VA 's 30 day statutory requirement as stipulated in the VA Lenders Handbook given that we were told they were in receipt of a compete assumption package on XX/XX/XXXX. 

Throughout this process several calls and emails went completely unanswered. When we did receive emails, they often provided partial answers or completely left out a response to one of our questions.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (GA)

I am writing to dispute the accuracy items on my credit report as it does not pertain to any transaction made by me. This information is the result of identity theft, and I request that it be promptly removed from my credit report to prevent further harm to my financial standing with respect to the FCRA 15 USC 1681 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 605B & Permissible purposes of consumer reports
Consumer complaint received 2023-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

Team - I would like to report Identity Theft Activity. On XXXX XX/XX/XXXX, I was made aware of this activity by receiving an email from the XXXX Credit Bureau that my credit score had decreased by XXXX points. I went to the XXXX Credit site and saw on XXXX XX/XX/XXXX that the Enhanced Recovery Collection ( ERC ) Agency ( XXXX XXXX XXXX, XXXX FL XXXX ) was trying to collect a debt that was opened on XXXX XX/XX/XXXX for XXXX in the amount of {$1600.00} ( I never had any accounts with XXXX ). I did NOT receive any correspondence ( Mail/calls ) from ERC regarding this debt. I was a victim of the national data breach on XXXX Credit Bureau and I believe this is how my information was exposed. On XXXX XX/XX/XXXX, I filed an Identity Theft Report online with the Federal Trade Commission ( FTC ) and the local police department. I also disputed this activity with the ONLY credit bureau, XXXX that was reporting this fraudulent activity. What's strange here is I encountered this same fraudulent activity on XX/XX/XXXX by XXXX for the same amount of {$1600.00}, but it was trying to be collected by a different collection agency ( XXXX ). A clear giveaway that this data was fraudulent was the email address used to open the account : XXXX. I disputed this with XXXX and it was deemed to be fraudulent and it was removed from my credit report.
Consumer complaint received 2024-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

I applied to MOHELA for the Save/IDR plan on XX/XX/year>. They never processed my application. Repeated calls to MOHELA failed to get them to process it. Now that this plan is blocked by court action, payments are becoming due. These payments are not SAVE Plan payments but 3 times higher. I should be in the Biden administrative forbearance with no payment due and no interest.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

MY PERSONAL INFORMATION WAS BREACHED/STOLEN AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .
Consumer complaint received 2024-07-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (FL)

On XXXX XXXX XXXX truist blatantly refused to accept XXXXXXXX XXXX worth of savings bonds for deposit to my account. They just refused to accept them, at first directing me inside from the drive through, then making me wait like XXXX minutes in line to then tell me it'd take too long and they'd need an appointment and I'd have to come back later. 

They never tried to even schedule the appointment. During this time, two other employees individuals decided to just go into the break room at around XXXX seeing the line.
Consumer complaint received 2023-10-31
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (RI)

I have had a TjMaxx Credit card for the past few years and its been paid off for months now and has not been used in a while. When shopping at tjmaxx I was asked if I would like to apply for their credit card and I mentioned I already have one just don't have it on me, since I haven't used it in a while. They then proceeded to tell me if you have not used your tjmaxx card in over 6 months then it is inactive, but we can reactive it for you. I mentioned it wont be a new card correct cause if its reopening a card and it will affect my credit I am not interested and she reassured me it would not be a new credit card nor would it affect my credit so I said sure lets reactive my old card then and gave her the information she asked to search my account ( ID, SSN etc ). Received a new card in the mail but didnt think anything of it just figured it was linked to the card I already had since it was just reactivating when I logged onto my XXXX XXXX. I noticed an inquiry of a new credit card and it affected my credit. That is when I was upset and called TJMaxx customer support regarding my card and they informed me I have TWO TjMaxx cards now opened. I asked for the policy regarding if its true after 6 month of not using the card it becomes inactive and they stated that is NOT true. So now im upset because I did not authorize and stated to the cashier I did not want a new card or it to affect my credit and they lied all to get me to open another card. It has affected my credit and im very stressed with the situation and thinking of I should get a lawyer for the fraud and misinformation they provided
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-07-31
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: EQUIFAX, INC. (LA)

I just recently looked at my credit report XX/XX/2024 and I saw some hard inquiries that did not have permissible purpose. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX  ) XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2 ) XXXX OF XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ) XXXX XXXX XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ) XXXX XXXX XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ) XXXX XXXX XXXX XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

CFPB- XXXX  XXXXXXXX XXXX ACCOUNT IS INACCURATE, CLEARLY STATES ON THE IRS . GOV. WEBSITE ABOUT CHARGE OFF ACCOUNTS. now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate!
Consumer complaint received 2024-08-02
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: EQUIFAX, INC. (CA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (LA)

CFPB Complaint : Credence Resource Management Debt Collection I. Introduction I am filing a complaint against Credence Resource Management ( CRM ) regarding a debt they are attempting to collect. I am unaware of this debt and did not receive proper notification before it was reported on my credit report.

II. Creditor Information Creditor Name : Credence Resource Management XXXX XXXX XXXX XXXX. XXXX, Tx. XXXX XXXX. Dispute I dispute this debt for the following reasons : Lack of Awareness : I have no knowledge of this debt and never had an account with Credence Resource Management.

Improper Notification : I did not receive any prior notification about this debt before it was reported on my credit report.

Missing Verification : If CRM believes I received proper notification, I request a copy of the certified receipt with my signature as proof of delivery.

Debt Assignment : I request documentation proving the assignment of this debt to Credence Resource Management. 
Statue of Limitations : According to Louisiana Revised Statutes ( RS ) 47:1676, the statute of limitations for debt collection may have expired. I request clarification on whether CRM can legally collect this debt.

IV. Request I request that Credence Resource Management : Verify and validate this debt with documented proof.

If the debt can not be validated, I request its immediate removal from all three credit bureaus ( XXXX, XXXX, and XXXX ). 
Provide a corrected credit report reflecting the removal of this disputed debt. 
I believe Credence Resource Management has violated the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect a debt without proper notification or validation. I request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and ensure that my rights as a consumer are protected. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I offered a promotion to apply for a credit card and receive XXXX miles and XXXX XXXX XXXX. I clicked the link and was brought to an application. I filled out the application and was approved. The first card was lost in the mail. They sent a second card. After spending the {$4500.00}, I only received XXXX miles and XXXX XXXX When I called to question, they told me that the offer was never available. After researching, I found that the card they sent was not the card I applied for. I have been back and forth. After being told there is nothing they can do I went to XXXX and asked if this happened to other people and it XXXX XXXX XXXX XXXX ) turns out there are quite a few people they have done this bait and switch to. I sent them the image of link that I clicked. They still said that offer never existed. I was told I had a point of contact named XXXX. ( ext. XXXX ) I called him twice and left voice messages, yet he never returned a call. Now they say they are done. I have been cheated out of XXXX XXXX and XXXX miles. Additionally, the card I would have used for that {$4500.00} would have given me 2 % back in cash. 

Here is my communication : XX/XX/XXXX - XXXX from XXXX XXXX, TX XX/XX/XXXX - supervisor XXXX case # XXXX XXXX XXXX XXXX TX XX/XX/XXXX - supervisor XXXX - case # XXXX told there was never this offer and if I had the image to send in secured link Sent image : XXXX XXXX supervisor XXXX - case # XXXX XX/XX/XXXX - supervisor XXXX told XXXX was my point of contact at extension XXXX. I left voicemail - never was called back XX/XX/XXXX called XXXX again and no return call XX/XX/XXXX - spoke with supervisor who told me they weren't going to honor the offer as the card did not provide that offer. When I asked for his name and location, he hung up. 
XX/XX/XXXX - spoke with XXXX supervisor stated they will not do anything else.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/scrub> 2024 I tried to freeze my credit with TransUnion. I was told on XX/XX/year>2024 that the birthdate that I gave didn't match their records and I need to submit my driver 's license and a utility bill with my correct address. At the time my license had the incorrect address but was due for renewal. I renewed early and submitted those items via email on XX/XX/XXXX. I've had no response so I emailed them again on XX/XX/year>2024 asking for an update or if there was an issue. They have failed to respond to any of my emails since the very first one.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: SOFI TECHNOLOGIES, INC. (PA)

I am writing to file a complaint against SoFi regarding an excessive and undisclosed fee that was charged to my Roth IRA account. Below are the details of my complaint : 1. Fee Charged : I had a balance of {$20.00} in my Roth IRA account with SoFi. Upon attempting to withdraw this amount due to job loss, I was charged a {$20.00} fee, effectively XXXX  out my account ( I got XXXX cents ) 2. Lack of Clear Disclosure : I have thoroughly searched SoFis website and app but could not find any fee schedule or clear disclosure of this fee. Despite my efforts, the specific fee was not made evident to me at any point during the account opening process or while using the account. 
3. Unreasonable Explanation from Customer Service : When I contacted customer service, the response I received was that because SoFi generally charges no fees, they need to charge fees somewhere, which was cited as justification for the {$20.00} fee. This explanation is both inadequate and nonsensical. It does not justify the fee nor does it explain why the fee was not disclosed transparently. 
4. Excessive Fee : The {$20.00} fee is excessive, particularly given that it represents the entire balance of my account. I had no prior knowledge of this fee, and its imposition under these circumstances is unreasonable and unjustified. 

Given these points, I am requesting the return of my {$20.00}. I believe that SoFi has not adhered to clear and fair disclosure practices, and this fee should be refunded. Obviously if I had known that I would get XXXX cents total after depositing {$20.00} dollars I wouldnt even have done that. Why would I give them my money????
Consumer complaint received 2024-07-23
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had an unauthorized medical charge fee. A therapist took my card in person and assured me nothing would be charged to it. No disclosures or documents were given ro me at that time. Now, capital one is taking their side. They are requested additional documents. There are no additional documents. I explained that this medical establishment fraudulently took and held credit card captive. I was instructed to send them a letter stating that. I did and my claim was denied.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We received a letter this year from the IRS stating that we did not file nor pay our XXXX taxes. We checked our records and found that we did indeed file our taxes for XXXX and paid via check. Upon researching the check, we found that it been altered and cashed by an individual. The IRS did not receive the filing nor the check. Bank of America cashed the check even though it was obviously a fraud check. Bank of America claims that we had only XXXX days to report the fraudulent activity. This would not have been possible as the IRS did not make us aware of this til XXXX years later. A police report was filed.
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Sure, here is a simplified version of the letter addressed to the CFPB : -- - *XXXX XXXXXXXX XXXX XXXX 2004 XXXXXXXX XXXX XXXXt XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : Complaint Against Capital One for Breach of Contract and Failure to Issue 1099-C** Dear Sir/Madam, I am writing to file a formal complaint against Capital One Financial Corporation for breach of contract and failure to issue a Form XXXX following the cancellation of my debt. 

Despite settling my outstanding account with Capital One, I have not received the required Form 1099-C, which is crucial for my tax filings. My numerous attempts to resolve this matter with Capital One have been unsuccessful. 

I request that the CFPB investigate this issue and ensure that Capital One complies with its contractual and regulatory obligations by issuing the necessary Form 1099-C.If in fact a cancellation did occur Thank you for your
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (TN)

I was in a car accident on my XX/XX/XXXX and havent had a car since. My credit report is showing Im on collection for a account by the same insurance company called XXXX XXXX I had that was opened on XX/XX/XXXX after I no longer had a car In the amount of {$91.00} that was reported XX/XX/XXXX by Firstpoint Collection Resources , inc . I was never made aware of any debt prior to me checking my credit report.
Consumer complaint received 2023-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

Portfolio Recovery periodically has harassed me for over ten years. At one point more than ten years ago, there was a small disputed debt from a divorce. I wrote to all XXXX major credit reporting entities to have this cleared. Ever since, I have periods where Portfolio will call me nearly daily. They have never stopped calling. In XXXX they tried to harass me into sending money while refusing to send me written explanation or documentation. I asked them to send a written explanation of the alleged debt. They never did. I have told them many times over the years to stop contacting me. I suffer from XXXX XXXX and this harassment causes me physical illness and terrible distress. have checked my credit report which appears to be good and untroubled. My credit score is good. Im not on any payment plans with any entity.