davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have been trying to get this derogatory off my credit report for months. I have sent in 4 disputes and nothing has been done. I have sent in proof that i myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-06-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MA)

Hi, I have a card through Synchrony Bank for Lowe 's Department store. I had a payment due on XX/XX/2024. At some point they changed their minimum due from {$35.00} to {$41.00}. This was not clearly communicated to me. I paid the {$35.00} then was charged a late fee of {$41.00} because my payment was {$6.00} short. I contacted customer service and after being transferred to a manager they removed the fee. However, the reason I'm alerting you to this is because during the course of the conversation I informed them that excessive late fees have been reduced to a maximum of {$8.00}. They told me that they believe they have " time to implement this change. '' According to the rule passed that is false, the time to implement it has past.

They should under no circumstances on XX/XX/2024, be charging a {$41.00} late fee because a payment was {$6.00} short. If they did it to me, they're doing it to others, and they're intentionally violating the new rule as they claim they are aware of it but do not believe they need to follow it just yet. I wanted to bring this to your attention as it could be a wider scale problem for other customers and they should be held accountable for violating the rule.

Thanks very much for taking the time to read this.

Sincerely, -XXXX
Consumer complaint received 2024-06-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capio Partners, LLC (OH)

XX/XX/year> I received a phone call from XXXX. The caller claimed they were a debt collector and I owed them money. They asked for my name, but I didnt want to respond until I knew it wasnt a scam. I asked if they were a real human. There are many scams going around where AI calls you and mimics human voices. The caller repeatedly dodged the question. Rather than saying yes or no they said, do I sound like a real person? I said that AI sounds like real people, so are you real? The caller then said Have a nice day. And hung up. 

XX/XX/year> I received a letter in the mail from Capio Partners with a debt. Despite the person on the phone not giving me an opportunity to dispute the debt.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: OneMain Finance Corporation (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Collection Management Holdings, LLC (CA)

Account / Reference # XXXX Reference ID : XXXX XXXX Reference # XXXX XXXX XXXX XXXX # ENDING : XXXX This complaint is a REBUTTAL to a response from XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXated XX/XX/year> regarding a dispute on the above accounts & reference numbers & also previous disputes regarding these accounts and reference numbers.

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information to my CONSUMER REPORT. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction or transactions on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for.

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" XXXX XXXX. XXXX ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a CORPORATION - XXXX U.S.C XXXX ( d ) ( XXXX ) ( a ) ( XXXX ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section XXXX for CIVIL LIABILITY for WILLFUL NON COMPLIANCE. 

I DO NOT CONSENT TO THE REPORTING OF SUCH UNLAWFUL INFORMATION TO MY CONSUMER REPORT
Consumer complaint received 2024-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (AZ)

Shellpoint ( newrez ) Mortgage has acquired my mortgage from XXXX mortgage. I made my XXXX payment on XX/XX/year> on XXXX ' website. XXXX Mortgage now seems to be defunct as I can not access the information or website any longer. The website automatically points to Shellpoint mortgage. The balance of my mortgage, escrow, and monthly amount due shows up in the new Shellpoint mortgage web portal, along with my personal and address information. However, no prior payment history has come over and no record of my XXXX payment. 

I asked about my payment was was told to e-mail Shellpoint 's loan servicing team, which I did, to request that the XXXX payment be returned to me so that I can pay the amount in the new web portal. I did that yesterday, XX/XX/year>. HoweveXXXX XXXX, I received an e-mail from Shellpoint notifying me that there is no record of my payment. I called Shellpoint again and escalated my call to a supervisor and asked them to track down my payment. After a brief hold I was told the transfer process to apply the funds will take XXXX to XXXX business days. 

This transfer from XXXX to Shellpoint has been a disaster. No payment history and now the XXXX of a {$2800.00} payment that is in cyberspace while I am receiving information that no payment has been made via e-mail and the new portal. I hope CFPB is aware of this issue and can better protect consumers from this negligence or homeowners who are trying to make their payments on time without hassles from mortgage companies.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (PA)

My old CFPB case number is XXXX Hello my name is XXXX XXXX what is the updated on my complaint and please also close my account. 
Please call me at XXXX I still need help closing my account out I never received the code in the mail still please resent it to me. 

Please close my account and send me proof when it is closed and my contact email is XXXX please email me back please resent me the letter I never got it to XXXX XXXX XXXX XXXX PA XXXX thanks please.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (GA)

It's been more than XXXX  days since funds were requested/directed to be returned and still no return. 

I made XXXX charges totaling {$22000.00}. 
I paid Chase XXXX those funds months ago. 

I disputed these charges after services weren't provided. Chase XXXX stated it would take XXXX days to investigate. A provisional credit was applied to the account. Those charges were found to be from a fraudulent merchant. Chase XXXX took XXXX  days and sent a letter stating that the dispute was resolved in my favor on XX/XX/XXXX. 

I asked for a refund on XX/XX/XXXX which Chase XXXX agreed to. I was informed that it would take an additional XXXX business days to receive a refund check. Today is XX/XX/XXXX and I still do not have a check. I was informed that it would take another XXXX business days to receive a refund. It's been more than XXXX  days and still no return of my funds. 

Through this process I was repeatedly told lie after lie. i.e. I would be overnighted a refund, refund was on its way, it would arrive by XX/XX/XXXX, given numerous names of the Bank ( Chase JPMORGAN, JP Morgan Chase when real name was found with FDIC JP Morgan Bank National Association, formal questions asked were not answered, answers not provided in writing as verbal ones are nothing but hyperbole, could not forward funds to a local bank branch for me to pick up ( lie ), no formal process to lodge complaints, endless transfers while on telephone, countless hours on telephone waiting, endless delays in issuing the return of my funds. It seems as if every agent there at Chase XXXX has different answers for the same questions. Once challenged or questioned they hang up. Email or address to contact bank not provided by customer service
Consumer complaint received 2018-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (WA)

In XX/XX/XXXX my mortgage was sold to Mr. Cooper mortgage advisers from XXXX XXXX XXXX. I was told there would be no changes to my loan. I paid my statements in XX/XX/XXXX. XX/XX/XXXX. and XX/XX/XXXX. Same amount as XXXX XXXX. In XX/XX/XXXX, I received a check for about {$1100.00} from Mr Cooper for overage of my escrow acct. I called and asked why, and they said they were unawhere that they were responsible for paying my property taxes. XXXX paid my taxes and Mr Cooper collected for them on the 1st 3 payments, so I called them. They said they would fix the problem. My next statement was {$250.00} less than usual, so I called again, at which point they said they would fix the problem. I sent the escrow money back to them and paid and extra {$250.00} on my payment. Then I received an escrow annalises showing a large shortage. Now they say they need to also collect for XXXX XXXX XXXX XXXX XXXX which I pay myself and always have. These have been paid for the year, by me already, so another phone call which fell on deft ears. They demand to pay them. I called again and asked for a supervisor who intern said she would fix everything and call me back. That was 3 weeks ago and no call. They want to raise my payment in XX/XX/XXXX from {$1100.00} to {$1300.00}. They refuse to listen to anyone and causing me a lot of stress
Consumer complaint received 2024-06-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC (LA)

Per flagship I applied for credit with them in XXXX and was denied but in XXXX I applied and they approved me. XXXX, I wouldnt apply with the same company a month later after already being denied the month prior. They are also claiming they have no known knowledge of the contract that wouldve been the one I went into had I been approved but wasnt initially. I am not going out my way to take time off from work to have any form of affidavit notarized or go to a precinct. My only action going forward would be legal as I can see they have had enough legal fights as it is and I can see why. To send me information to an address I provide to the cfpb and updating a profile I never created with you as if this is the address you have for me is harassment. You provided a contract with an address I hadnt lived at in over a decade. But yet you are trying to send me stuff to my address. Im requesting a cease and desist and will be sending out that document via certified mail that will require a signature. You have been trying to contact me using communications and address I never provided you. I am formally filing a complaint to add to the many complaints you already have with the XXXX. DO NOT CONTACT ME USING INFORMATION I REPORTED TO THE COMPANY. USE THE INFORMATION YOU STATED I PROVIDED WITH THIS CONTRACT. You can not utilize a 3rd party company to reach me without my consent. Ive tried to reason and work with you guys by showing the proof and the breach in my state and my report. So, now since they have not removed this I will just take care of this matter legally if need be because now its becoming harassing.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (GA)

I'm writing because upon checking my credit report I still notice accounts that are not authorized by me I have called and correspond with the credit companies i have disputed this several times before and they are continuing to report inaccurate information that violates the FDCPA when i am a victim of fraud lying saying that accounts are being verified which are not which is causing hardship to my livelihood that treats my reputation They had been reporting false information on a consumer report
Consumer complaint received 2024-05-31
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. (VA)

I am writing to follow up on my previous dispute regarding the negative accounts on my credit file, which I believe to be unverified and unjust. Despite my earlier correspondence, I am dismayed to find that these negative items still persist on my report.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

tried to close a credit card account with FNBO that was created when they lost the contract with XXXX XXXX XXXX for their credit cards. When I called to close the account FNBO created another identical card account. I did not report lost or stolen I requested close.
Consumer complaint received 2024-06-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc. (OH)

I attended XXXX XXXX in Delaware, Ohio and had the membership cancelled, they continued to charge my account after the fact so I had went to my bank ( XXXX XXXX  ). There they had reimbursed me for all of the money XXXX XXXX had took during the time I did not have a membership with XXXX XXXX, I also had to change my debit card because XXXX XXXX would attempt to keep collecting from my account. After a while I started getting call from First Credit Services. When i answered these calls I would ask them what the call was about, and they said they need to speak to my parents ( Im XXXX years old ) when I asked why they wouldnt even tell me that, so I thought this was a scam obviously not knowing what these people wanted and why they kept calling me, I ended up looking up First Credit Services and called the number on there website where I spoke with a lady who couldnt even find any information about me. I was obviously confused but I didnt think anything of it until I kept getting calls from First Credit Services XXXX of course I kept asking them why they were calling and they would not provide any information what so ever to me. Now when I check my credit I have a derogatory mark affecting my credit because of something I couldnt control.
Consumer complaint received 2024-06-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

I originally set up my CD with a target disbursement account on closure. I closed the target account and moved those funds to a new account before the CD matured. 

My CD matured on XX/XX/2024. I am issuing this complaint on XX/XX/2024, which means I have been unable to access my funds for XXXX weeks. 

When I contacted the bank about this issue, I was passed to XXXX people before I found XXXX that could even attempt to help me. I was told that it would take up to XXXX business days for the back office to resolve this issue. 

There is a reasonably significant amount of money in this CD. I closed the CD rather than rolling it into a new one so that I could intentionally shop and place it immediately back into a new CD. In addition to the missing funds, I have now lost XXXX weeks of interest in what should have been the new CD.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (DE)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX