davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX XXXX account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the XXXX XXXX XXXX account ( Account Number : XXXX ). The report lists a balance of {$2300.00}, a balance updated on XX/XX/XXXX, an original balance of {$2400.00}, an account opened on XX/XX/XXXX, status collection account, {$2300.00} past due as of XX/XX/XXXX, and responsibility individual. The original creditor is listed as Synchrony Bank. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. I am disputing the validity of this debt in its entirety and the listing of Synchrony Bank as the original creditor. Please investigate this account and remove the incorrect details. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.
Consumer complaint received 2023-10-26
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. (FL)

A month ago, I sent the three credit bureaus a letter asking 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 mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX **XX/XX/XXXX** **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXX # # # **Subject : Dispute of Incorrect Late Payments on Mortgage Account** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the incorrect late payment entries on my credit reports from XXXX and Equifax for my mortgage account ( Account # : XXXX ). These entries are not accurate and negatively impact my credit score and financial standing. 

**Details of the disputed information : ** - **Account Number** : XXXX - **Account Type** : Mortgage - **Account Status** : Open - **Monthly Payment** : {$2900.00} - **Date Opened** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) - **Balance** : {$450000.00} - **Past Due** : {$6500.00} - **Payment Status** : Late 60 Days - **Last Reported** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) - **Date of Last Payment** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Equifax ) XXXX XXXX XXXX XXXXDiscrepancies in Payment History : ** XXXX XXXX XXXX XXXX **XX/XX/XXXX: ** - **Late Payments** : 60 days ( XX/XX/XXXX, XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  **Equifax : ** - **Late Payments** : 60 days ( XX/XX/XXXX, XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) These late payment entries are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report. The credit reporting agencies are required to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

# # # **Action Requested : ** 1. **Investigation and Correction** : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that XXXX and Equifax update my credit report to reflect accurate payment history. 
2. **Notification** : Please notify me once the corrections have been made. 

Enclosed are copies of my credit reports from XXXX and Equifax highlighting the disputed entries, as well as documentation proving my timely payments for the disputed months. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (AL)

I recently reviewed most recent credit report and I noticed a collection/charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection/charge off in questions did not belong to me. 

Under code 15 USC 1692g this is a clear violation of inaccurate reporting. Please remove this account from my credit report, they are hurting my ability to obtain credit.
Consumer complaint received 2024-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

I have attached supporting documentation. I never had XXXX i am a XXXX  member for over 15 years and i have bank statements to show proof i pay them. I am requesting and demanding this get removed from my credit report. This is fraud i am 100 % sure someone opened an account using my identity.
Consumer complaint received 2024-07-09
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (AZ)

Company is rude, condescending and aggressive. They refuse to work with me, pretend they never heard of me. The state of Arizona has sued them several time over their practices and tried pulling their license. What this firm does is take on accounts, trump up the bill and lie about facts. This company wont provide any information, a contract, list of charges or proof of damages. They claim they have a judgment for the amount of XXXX but public record states otherwise. Then they tried claiming interest, breach of contract, etc. but none of that is in the contract. 

Furthermore, they refuse to validate the debt and placed multiple collections accounts to make it harder to contest with credit bureaus. 

They also say talk to the original owner of the debt, but they dont exist anymore, nor does it change the fact they currently own it. 

They refuse to follow credit collection laws and rules.
Consumer complaint received 2024-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL (CT)

I have a PayPal credit account and I make purchases ad pay them off before the interest is due. Last month, i paid more than was due calculating what I would owe for this upcoming month. When I opened my statement for the month, it said that my minimum payment due was {$670.00}. when I added up the payments with expiring balances through XX/XX/XXXX, it came to {$370.00}. 
I called PayPal and asked them how they were calculating the balance due? they responded that my account was purchased back in XXXX and that there were XXXX balances with 0 % interest that totaled {$300.00}. 
I asked why if they keep including this amount in the balance due why the amounts had not been paid off, I was told that I needed to call them and instruct them to pay off the old amounts or they would continue to add them to the total amount due. It is also unclear if they have a 0 % interest rate why are they asking for payment in full and then not applying off the balance? 
I then asked them to move the overpayment to those amounts and I was told that could not be done because the funds were already allocated. 
I fail to understand how they are requesting these monies and then not applying them to the balances they are requesting them for. 
They continue to practice deceptive and confusing practices despite my prior complaint.
Consumer complaint received 2024-07-09
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: Onity Group Inc. (MA)

Dear CFPB, PHH Mortgage Services, and Ocwen, I am filing this formal complaint concerning significant inaccuracies in the reporting of my mortgage account, which has adversely affected my credit report. Despite entering into forbearance with your company, I have observed multiple late payments incorrectly reported on my credit report. I was explicitly informed that during forbearance, payments would not be marked as late but would be deferred to the end of the loan term.

This discrepancy has emerged as a critical issue during my recent home purchase process, where these inaccuracies were cited as the primary obstacle. Despite numerous conversations with your customer service team, there has been no clear explanation for these reporting errors. It appears that each month 's payment is being reported as late from the previous month, which is both confusing and incorrect.

Furthermore, there are additional inaccuracies and incomplete information regarding this account on my credit report. I believe that this reporting not only contradicts our forbearance agreement but also violates the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Codes 1666b, which protects consumers from inaccurate reporting. 

I kindly request the following actions to resolve this matter promptly : Immediate correction of the inaccurate reporting of late payments on my credit report for the months during which the account was under forbearance.

Complete removal of any incomplete or inaccurate information related to this account from my credit report. 
Assurance that all future reporting accurately reflects the terms of our forbearance agreement and my payment history.

Investigation into the root cause of these reporting errors and implementation of measures to prevent recurrence.

These actions are essential to safeguard my consumer rights and ensure fair and accurate credit reporting. I expect your cooperation in rectifying these issues swiftly to mitigate any further impact on my credit standing.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Atlanticus Services Corporation (CA)

Submitted previous complaint with CFPB # XXXX. My specific resolution request was : Complete deletion of the account from all of the credit bureaus along with a copy of the 1099-C. 
The Executive Correspondence Team for Fortiva Retail Credit/XXXX XXXX XXXX XXXX  assured that the account was removed the bureaus. It has not been removed from XXXX. This was not a truthful statement. 

1.I responded in the previous complaint that it was not removed 2.I have tried to reach out to them over a span of weeks to get it resolved, yet they keep responding about another account even though I clearly outlined the correct account and sent them a copy of the complaint.

3.I called them and was promised a call back only to receive an email This was promised back in XX/XX/2024 and I have suffered damages and adversely affected by this not being removed and it is now XX/XX/2024. 

I have attached all of the documents validating my claims
Consumer complaint received 2024-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (UT)

Summary : My monthly payment for my mortgage is several XXXX dollars higher than it should be every month, because Roundpoint failed to perform their escrow analysis on my account for XXXX properly. I would like some money that is currently in the escrow account refunded to me immediately, and my minimum monthly mortgage payment dropped accordingly. 


I have been making mortgage payments to Roundpoint since XX/XX/XXXX. The first year my monthly payment was quite a bit higher than it should have been, because they overestimated what my property tax liability would be. Whatever, it was the first year, there was no history of property taxes for the home because it was a new construction, so I figured I would just get a refund at the beginning of XXXX and they would recalculate my monthly payment to be lower. This did NOT happen as expected ( I did get a refund but it was less than it should have been and my monthly payment did not drop at all ), and I have called Roundpoint ( most recently on XX/XX/XXXX ) and emailed them ( also on XX/XX/XXXX ). I emailed them at XXXX, which is the email address that the customer service rep for Roundpoint instructed me to use, because he claimed to be powerless to do anything. I will repost the email I sent them below ( I will include the referenced email attachments which corroborate my claims about my expected property tax liability ), as I believe it clearly states what my issue is and what I've requested that Roundpoint does. 


" Hello, I have an account with Roundpoint for my mortgage. An escrow analysis was performed for my account at the end of XX/XX/XXXX, and I was issued a refund check of {$5300.00} ( which I successfully deposited into my bank account ). 


I believe that the escrow analysis performed for my account at the end of XX/XX/XXXX is incorrect, and I would like an additional refund check issued and my monthly payment recalculated. 


If you carefully read the attached escrow statement, you can see that Roundpoint expected a XXXX property tax bill of {$8600.00} for my property. However, you can see on that same statement that the actual XXXX property tax bill was {$3100.00}. This is alternatively easily verified through public Utah County property tax records ( linked here " XXXX XXXX XXXX XXXX '' and here " XXXX XXXX XXXX XXXXXXXX & XXXX '', and also attached to this email ). This clearly explains why I received such a large refund check after the escrow analysis was performed. 


My dispute here is that in this XXXX escrow analysis, Roundpoint seems to again be expecting that my XXXX property tax bill for my property will be {$8600.00} ( more than {$5000.00} higher than what I actually paid ). This is causing both my escrow account balance and my monthly escrow payment to be much higher than they should be. 


Please keep me posted on how you plan to correct this. ''
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$26000.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$760.00}
Consumer complaint received 2024-07-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (GA)

My spouse, XXXX XXXX has filed several complaints with the CFPB, most recently complaint ID XXXX. In that they have continued to maintain that SoFi has made the business decision to close the account, and that she is not due any further funds. I would make two separate notes relative to that 1 ) the {$400.00} to fund the SoFi account was from a joint bank account of which she is an owner. These funds have still not been returned to her or myself.

2 ) The two paychecks listed below that were paid to me, were deposited in her account. While it was an honest error that these funds went to an account that I did not realize was not setup jointly, there have been no attempts to return the funds to the originators. I have notified my employer at XXXX and can be reached via phone at ( XXXX ) XXXX regarding the situation and that the funds XXXX ultimately be returned so they could appropriately be returned to me. I am providing payslips and the opportunity to provide XXXX any additional information needed to expedite the return of these funds to me. The funds were frozen in XX/XX/year> and there has been no ETA for the return of these funds. While I respect the business decision of SoFI to close the account, I respectfully request that they take adequate due process to work with me such that the funds are returned to the originator in a timely manner.
Consumer complaint received 2024-07-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Mercedes Benz Financial Services (OH)

I purchased a car from XXXX XXXX XXXX XXXX XXXX and was not given full disclosure in regards to finance charge and required by dealer to place a XXXX dollar down payment when purchasing a vehicle with my consumer credit.
Consumer complaint received 2023-10-20
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

Issue with Ctibank which services Macy 's credit card On XX/XX/23 I called in a payment to Citibank in the amount of {$6100.00} using a Citizens bank check. On XX/XX/23, I mailed the same check by Priority mail after learning from Citizens that the bank check could only be processed in a physical format. On XX/XX/23 my Macy 's online statement showed a return check charge for {$30.00}. I called Citbank and spoke with rep XXXX who adjusted the return check charge. On XX/XX/23 my Macy 's online statement showed a balance of - {$12000.00}. I called Citibank and spoke with rep XXXX, then supervisor XXXX, then mgr XXXX who all verified the physical check was received on XX/XX/23 and was cashed on XX/XX/23 but they would hold both my return check and the physical check until XX/XX/23. They charged both payments against my account and would not apply the payment until XX/XX/23.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XX/XX/2024 XXXXXXXX XXXX  Email from Capital One stating my transfer of {$16000.00} from my savings account to my business account was complete and the money was available on XX/XX/2024. 

XX/XX/2024 XXXXXXXX XXXX Call to Capital One ( XXXX ). 53 minute call from me regarding money transfer from savings to business account. They switched me between three different people : one with the business side, one with the regular accounts and then to the Fraud Division. Was told all transactions were stopped ; the money was still in the business account. I could still have access to the accounts and it showed the money was still in the account. 

XX/XX/2024 XXXXXXXX XXXX. Email from Capital One stating that an ACH was processed at XXXXXXXX XXXX from XXXX XXXX XXXX business account to XXXX XXXX in the amount of {$9100.00} confirmation code XXXX XX/XX/2024 XXXXXXXX XXXX. Email from Capital One stating that an ACH was processed at XXXXXXXX XXXX. from XXXX XXXX XXXX business account to XXXX XXXX in the amount of {$8000.00} confirmation code XXXX XX/XX/2024 XXXXXXXX XXXX  Call to Capital One Fraud Department ( XXXX XXXX ). 20 minute call processing fraud claim. 

XX/XX/2024 XXXXXXXX XXXX  Call back from Capital One Fraud Department ( XXXX XXXX ). 46 minute call completing fraud claim. All accounts were frozen and my access was removed. 

XX/XX/2024 Spent 4 hours at the bank trying to get resolution. Was told the money was in fact sent via ACH for a total of {$17000.00} removed. 

The bank is still refusing to refund me the money.
Consumer complaint received 2024-07-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: FlexShopper, Inc (NV)

I would just like this loan reviewed to see if it all legal. I have been paying {$84.00} every other week since XX/XX/XXXX to pay off {$1100.00}. Almost XXXX XXXX years and they said I am set to pay until XX/XX/XXXX. Is all this interest legal? They take payments directly from my checking account.
Consumer complaint received 2023-04-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year> about XXXX XXXX  I deposited {$2600.00} into the Chase Bank ATM. It gave an error message and didnt deposit or give my money back. I immediately called Chase Bank while still sitting at the ATM. The rep representative advised they would send a tech out within a few hours to fix the ATM, couldnt give me an exact time time, I was told there was no need to stay by the ATM. I was assured my money would be put in my account. On XX/XX/year>, my {$2600.00} was deposited in my account. Then on XX/XX/year>, Chase bank took {$760.00} out my account. I called them on XX/XX/year> to find out why {$760.00} was missing from my account. The representative stated it was a reversal from my {$2600.00} deposit, that it was only {$1800.00} found and they took my money. I told them this was incorrect and I deposited {$2600.00} and I need my money. I keep getting the run around from so many representatives but no one will tell me where my money is. This is so wrong on so many levels, Chase Bank has just stolen my money at this point. I have filed a police report as well. The incident # is XXXX
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (FL)

Good morning, My name is XXXX XXXX. I am writing to complain about Springs Oaks Capital LLC.

They are reporting a debt that I do not owe to the credit bureaus. 
They have not validated the debt and therefore, are breaking FCRA laws. Please reprimand them as soon as possible. 
They are hurting my chances of obtaining a car and/or house. 

Thank you.