davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year>, I deposited {$3300.00} worth of checks into a Chase ATM. The ATM gave me an error message once I deposited the checks and claimed it did not process any of the checks I put into the machine. I then called Chase and filed a claim. On XX/XX/year> I heard back from Chase regarding my claim. The first person I spoke to notified me that all the checks had been lost and none of the deposit would be put in my account. I asked to speak to a supervisor, and he stated that " XXXX checks have been found for {$2600.00} ''. There are XXXX different Chase employees stating different values and I am still short {$670.00} from my initial deposit.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : Amount : {$980.00} Account # XXXX NCB MANAGEMENT SERVICE : Amount : {$4700.00} Account # XXXXXXXX NCB MANAGEMENT SERVICE : Amount : {$1400.00} Account # XXXXXXXX XXXX XXXX XXXX  : Amount : {$1100.00} Account # XXXX XXXX XXXX XXXX : Amount : {$8000.00} Account # XXXX XXXX XXXX XXXX : Amount : {$370.00} Account # XXXX XXXX XXXX XXXX : Amount : {$370.00} Account # XXXX XXXX XXXX XXXX : Amount : {$2100.00} Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I have never lived at the address listed on the papers they sent me. This belongs to my son not me. I have tried to explain this to this company and all they do is send me my sons rental agreement. This needs to be removed from XXXX and XXXX before I take legal action.
Consumer complaint received 2023-07-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

To whom it concerns RE : Complaint about XXXX XXXX and Roundpoint mortgage servicing LLc. Regarding removing PMI. 

Dear Responsible, I would like to inform you that my house was appreciated at {$680000.00} in XX/XX/2023 and the remaining mortgage was around {$400000.00}. Thus, I have paid more than 40 % of the mortgage. Hence, I qualify for PMI  removal. 
In XX/XX/2023, my Mortgage was transferred by my previous mortgage company [ XXXX XXXX XXXX XXXX XXXX ) ], transferred/sold my mortgage to another mortgage company ( Roundpoint mortgage servicing LLc. ). 
According to the documents and rules sent by both XXXX and Roundpoint mortgage companies that during mortgage transfer 60 days are provided to pay the mortgage without any penalty. 
Moreover, Roundpoint mortgage servicing LLc sent the email and in the welcome letter that I should not send the mortgage before XX/XX/2023. However, I sent the mortgage on XX/XX/2023. Thus, sent before less than 30 days due date. 
On XX/XX/2023, Roundpoint mortgage servicing LLc denied PMI by giving the reason that The loan to value ratio, based on original property value, does not meet the agency/investor eligibility criteria. 
On XX/XX/2023, Roundpoint mortgage servicing LLc denied PMI by giving reason that The mortgage loan does not meet the payment history requirements, meaning one or more payments have been XXXX or more days past due within 24 months or XXXX or more days past due within 12 months of the date we received your request for cancelation. 
Note : I always paid my mortgage on time without any exceptions. However, because the mortgage was transferred/sold to another company, which is not in my control. I was instructed to pay late after XX/XX/XXXX, as the system of Roundpoint mortgage servicing LLc was not established to receive my mortgage. Thus, I have no fault and followed all the rules and paid the mortgage on time always. 
Thus, this harassment must be stopped, and my PMI should be removed effective from XX/XX/2023. Moreover, I should be compensated for this unnecessary suffering. 
I have attached all the required documents ; please let me know if any other relevant document is required. 
Thank you very much and with regards.
Consumer complaint received 2024-07-16
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. (IN)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-03
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: CITIBANK, N.A. (MN)

XX/XX/XXXX Citi Bank sent me a email telling me of possible fraud purchase.They canceled this card and said they would send me a new one which I refused but receives anyway. I never used the old card and new activated the new one. I called after trying to find this charge on my acct, XXXX.The dispute department said they would look into it and gave me a conformation number XXXX. XX/XX/XXXX I called again and talked to XXXX and she told me it was still trying to be resolved. XXXX XXXX told me it was still under investigation In may I called they said part of it was resolved XXXX requested again a copy of the charges and was told they would email it to me. The statement showed $ amount but not who it was to. Called again and after XXXX minutes of runaround I was told they would send it again, The statement was for the new card with the charges transferred to it, Still don't know what its for.Statement said can not show information on a closed account. The statement I received in XX/XX/XXXX was for {$67.00}, it now is XXXX and my credit scoreHas gone from XXXX to XXXX. I can not get this resolved can you help
Consumer complaint received 2024-05-20
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: Experian Information Solutions Inc. (MS)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights privacy under 15 U.S.C 1681. 

XXXX XXXX account # XXXX # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 states I have the rights to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer reports 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 7 years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

I have been on the PAYE plan for over 5 years, and working towards PSLF with <5 years remaining until forgiveness. I have planned my career, and life around receiving forgiveness through PSLF, and MOHELA 's incompetence as a loan servicer is unconceivable. I have dutifully followed all rules to achieve forgiveness, including recertifying at correct time, never missing payments, submitting annual employer certifications. 

In XX/XX/XXXX, I began to receive notifications from MOHELA to recertify my annual income with a deadline of XX/XX/XXXX. I dutifully did so on XX/XX/XXXX. My payment increased from {$350.00} to {$790.00}, which I was prepared to pay. I then learned of the announcement from the Dept. of Education ( DOE ) on XX/XX/XXXX that the time to recertify had been extended until XX/XX/XXXX ( XXXX XXXX XXXX ). This announcement also stated that if borrowers recertified and their payment increased, they would be returned to their lower payment. I waited to see if I would be returned, and as XXXX progressed, this did not happen. I called MOHELA on XX/XX/XXXX to request that I be returned to my previous amount of {$350.00} per DOE announcement. The representative stated that they were still waiting on guidance from DOE and that in the meantime I would be placed on " process forbearance '', she also stated this time on forbearance would count towards PSLF. It has been several months since then, and I still have not been reverted to the previous payment of {$350.00}. In addition, I have had to call multiple times ( XX/XX/XXXX and XX/XX/XXXX ) to have my 'process forbearance ' extended. I also noticed that I have a new amount in my account due on XX/XX/XXXX of {$1200.00} which does not match either XXXXXXXX XXXX  or XXXX XXXX It is not clear how MOHELA calculated this amount or why this amount is showing up on my account. The representative I spoke to on XX/XX/XXXX stated she would put in a " note to fix this '' and that they still have not received guidance from DOE and that she wasn't sure if these months on forbearance would count towards PSLF.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX and this is not a third of party filing this complaint. As a consumer my rights are being Violated from the following credit reporting agencies. Experian, XXXX and XXXX. They are reporting UNVERIFIED, INACCURATE & FRAUDULENT accounts on my consumer report. And it is costing me grave damage to my reputation. I have attached several documents for your review. 
Please rectify this matter immediately.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MN)

I have been dealing with some serious health issues and forgot to pay my Sam 's Club Mastercard bill on-time. The total due that month was {$59.00} and due on XX/XX/24. I have paid my bill in full now today, XX/XX/24 which included charges not even due. On XX/XX/24, I was charged a {$40.00} late charge on a less than {$60.00} bill! I contacted Synchrony Bank to get the late charge reduced to the {$8.00} that is now the cap implemented by CFPB. They refused. They stated ; " The government has provided credit card companies a period of time to make the necessary changes. Synchrony will implement any required changes to late fees by the required date and will inform our customers of changes via the usual channels. '' The change was made in XXXX and companies were given 60 days to implement the change. It is now past the 60 days given to banks. Synchrony Bank, with a market cap of {$17.00} XXXX dollars should have been able to implement the change in 60 days. They chose not to in order to continue to charge exorbitant late charges hoping that the average consumer wouldn't know or remember this change was coming. I believe this is taking advantage of consumers who don't keep up to date on these changes. They will continue to charge these excessive late fees unless the government steps in and stops them.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/year>, I requested to transfer funds virtually between two financial institutions I have accounts with Huntington Bank and Michigan XXXX XXXX XXXX. Huntington requested that I verify my account with the other institution. Huntington sent two small transfers to XXXX XXXXXXXX in the amounts of XXXX cents and XXXX cents. I logged into my Huntington account verified and entered the two amounts sent to XXXX XXXX. Huntington approved and verified that the other account was my account and approved me to do online transfers on XX/XX/XXXX. On XX/XX/XXXX, I sent {$25000.00} from my huntington checking account to my XXXX XXXX checking account. ( limit on transfers is {$100000.00} ) On the morning of XX/XX/XXXX, I received an email saying my account was suspended and to call the bank. I called but they were closed due to it being a federal holiday. On XX/XX/XXXX, I went to the XXXX branch in XXXX, MI. That day I spoke to a teller and a XXXX. They both told me two different reasons why I didn't have access to my online banking and ability to transfer money online. The teller told me that it's because I transferred money to a credit union, and they always suspend accounts sending money to credit unions. Later, I spoke with a XXXX, and she said my account was suspended because it was a big amount of money being transferred and I only had to give them a copy of a bank statement from XXXX XXXX and they will give me access to my account again and give me the ability to transfer to the already previously verified XXXX  XXXX account. The teller told me that once I sent the bank statement in, I would get access to my account instantly. The branch manager told me that it would take 2-3 business days. It's been 4 business days since the branch XXXX submitted my XXXX XXXX XXXX statement to their internal department. I still don't have access to my money and I'm unable to pay for my children XXXX and other bills. This has presented a great hardship on my family. I'm being penalized for what? I'm not understanding. I feel like I'm being discriminated against. My significant other is a retired bank regulator with the FDIC and told me to file a complaint with you guys because he thinks there is some funny business going on with this institution and Huntington Bank needs to be investigated. Please help me with resolving this manner!
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1
637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I sent the company a cease and desist from all mediums of communication on XX/XX/XXXX and they are continuing to report on my private personal credit report breaking the desist. I requested it because they claim I owe them a debt and they have not provided a contract with me and you on a contract together. I'm not aware of any contract of such.

Given your agencys history, notably the XXXX lawsuit by the Consumer Financial Protection Bureau ( CFPB ) against Fair Collections & Outsourcing and its CEO, XXXX XXXX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), I am particularly vigilant about your collection practices. The lawsuit, which resulted in an {$850000.00} civil penalty and mandated corrective policies to prevent future violations, highlights the need for strict adherence to legal standards in your operations.

I requested information that they claim we have made a transaction together and they have created an account without my written. So I need proof of claim UCC 9-210, full authenticated accounting for this account that I opened with this debt collector.

1. A full accounting per GAAP, including a certified accounting ledger.

2. W 9 form for IRS tax purposes filled out by a corporate officer and all parties involved 3. A true and certified copy ( not a photocopy ) of the Original Note ( Credit Agreement ) accompanied by a statement under penalty of perjury confirming the non-sale of this Note.

4. Any and all relevant tax documents ( e.g., XXXX, XXXX, XXXX, XXXX ). 
5. Details of any additional documents relevant to the disputed charge-off.

6. Mail a bill or coupon to remit for payment 7. Mail your bond and license information to collect debt Fair credit has failed to provide the requested documentation within the specified timeframe which has lead to the following conditions : 1. That the debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages suffered, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You agree to pay all fee schedules.