davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
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. (NJ)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CLGF Holdco 1, LLC (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (IL)

Subject : Response to Complaint Resolution and Request for Removal of Collection Entry Dear Absolute Resolutions Investments , LLC, I acknowledge receipt of Absolute Resolutions Investments, LLCs ( ARI ) response to my complaint. However, there are several concerns and discrepancies that remain unresolved. Due to ARIs non-compliance with federal regulations and inadequate response to my validation requests, I am requesting the removal of the collection entry from my consumer report due to the issues outlined below : Debt Validation : ARI asserts that it sent the required credit reporting disclosures on XX/XX/year>, and reported the account on XX/XX/year>. To date, I have not received any validation information or disclosures from ARI. Please provide the documentation sent on XX/XX/year>, including proof of mailing and a copy of the disclosure notice. Additionally, please include the detailed validation of the debt as initially requested. 

Charge-Off and Account Sale Details : According to your response, the account was sold to ARI by XXXX XXXX XXXX XXXX with a balance of {$1200.00}. I request a copy of the sale agreement or any documentation confirming the purchase of the debt by ARI, including how the account balance was calculated.

Disclosures and Reporting : You mentioned that the account was first reported on XX/XX/year>. As I have not yet received the required disclosures, it appears there has been a lapse in compliance with 12 CFR 1006.34 and other applicable regulations. Please provide evidence of compliance with the disclosure requirements before the account was reported. 

Certified Mail Receipt : Supply a copy of the certified mail receipt or any other proof indicating that I was properly notified of this debt, including my name and signature if applicable.

Request for Further Validation : As ARI stated that it will respond to my validation request through a separate letter, I expect to receive this validation promptly. Please ensure that the response includes all the necessary details as specified in my original complaint. 

Immediate Removal from Consumer Report : Given ARIs failure to provide proper debt validation and required disclosures, I insist that ARI remove the collection entry from my consumer report immediately. The reporting of this account without the necessary documentation and compliance with 12 CFR 1006.34 and 15 USC 1681s-2 ( a ) is unlawful. Continued reporting under these circumstances is a violation of my consumer rights and must be corrected without delay. 

Failure to address these issues and remove the collection entry from my consumer report within 15 days from the date of this letter will compel me to escalate this matter to regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state authorities. 

Thank you for your prompt attention to this matter. I look forward to your timely response and the resolution of these issues. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (MD)

There is NO RECORDED ASSIGNMENT OF MORTGAGE on my deed/propertysee attachments 1 ) I requested the servicer to stop any further foreclosure sale per my XXXX XXXX filed in XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX 2 ) I advised the servicer* that I am aware XXXX XXXX XXXX, is the Trustee on my DEED OF TRUST. 
XXXX XXXX 3 ) I had to file ( XXXX XXXXXXXX ) Bankruptcy XXXX XXXX on XX/XX/2024 ( Case # XXXX ) to stop the XX/XX/2024, foreclosure sale. 

XXXX ) I requested the Trustee 's name, full address, city, state, and zip code on my Promissory NOTE.
Consumer complaint received 2024-07-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (KS)

Collections balance of {$2400.00} From Allied Collection Servic date shows up as XX/XX/2022. This is a result of identity theft I have tried several times to dispute this and the balance only continues to rise
Consumer complaint received 2024-07-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP (FL)

I spoke to XXXX and was told the garnishment would be reversed and I should see the funds in my account today. That was XX/XX/year> I was given a XXXX per month payment plan to begin XX/XX/XXXX. called bank and was told that they never received any cancellation I called back and was told by manager XXXX that I could not discuss my account with him. I called XXXX who told me to speak to XXXX. XXXX explained today that she doesnt know who I spoke with and she never told me the funds would be available. I explained to her something that important that is for rent after I have been sick, I believe I would listen carefully to the details. XXXX was very cordial and reassuring when I spoke to her and made arrangements. Now today I am being gaslit and told she called and didnt get answer, when I am pending eviction. I believed her when she stated the above.
Consumer complaint received 2024-07-11
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 (NJ)

I was at my first day of work at a XXXX XXXX XXXX XXXXXXXXXXXX where at XXXX i got a phone call of a man who named himself XXXX XXXX made me believe he was my boss. He asked me to help by sending the shipment company of our utilities money because it was about to be canceled due to a payment information being put in wrong. As it was my first day at the front desk I did what i thought was helping when i come to find out after asking my manager that no one by the name XXXX XXXX works at the company. i immediately called my credit card company, XXXX XXXX, and asked them to dispute it but the person on the phone told me to wait until it was processed so it can be disputed. i did exactly that and now im getting repercussions for not canceling earlier when i tried to and i was told there was no way to. they put the amount of {$1000.00} back on my account on XXXX XXXX and I had to file another claim to try to get them to dispute it and look into it again.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have 7 unauthorized inquiries on my credit report on XXXX from the following companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX unauthorized inquiries on my XXXX report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (HI)

On XX/XX/year> I requested Barclays to close the account. I lost my hearing on XX/XX/year> and the card is a reward card for XXXX XXXX, which with my hearing lost I will not be traveling anytime in the near future. They either ignore my request or refuse to act on it until the annual membership was due of {$99.00}. I disputed the charge and now they are telling me since it is an annual membership fee and they can disputed/waived, but I had requested the card to be closed on XX/XX/year> and they did not act on it.
Consumer complaint received 2024-06-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IL)

I purchased 4 prepaid, Visa gift cards, each for a value of {$500.00} I puchase 3 of these on XX/XX/year> and one on XX/XX/year>. Each time I attempted to use the cards my transaction was rejected by the Incomm. The cards are serviced by Incomm Financial Services. Incomm routinely blocks legitimate transactions under the guise of " consumer protection ''. They do so in the hopes that delaying the spend down on the cards will lead to windfall and unmerited profits for the issuer. How? By frustrating users and rejecting consumer purchases, chances increase that users will simply give up and not use the cards. By frustrating users and delaying spend down chances increase that users will misplace their cards. This is unethical behavior. I have been forced to endure lengthy delays, lost submissions and poor customer service on the numerous occassions on which I have forced to seek refunds and card replacements from Incomm. That is why I now appeal directly to CFPB in the hopes of not only receiving a refund for these 4 cards, but some action on the part of CFPB to sanction Incomm so that the entities stop this eggregious behavior.
Consumer complaint received 2024-06-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Consumer Portfolio Services, Inc. (TN)

On XX/XX/XXXX I finance a vehicle from XXXX XXXX XXXX in XXXXXXXX XXXX I began receiving warning lights and service concerns immediately they had Promised if I Returned within 72 hours they would either give me back my {$2000.00} down payment or they would get me in a different vehicle when I return within the time frame.they ran my credit again and tried to add the car I just bought onto another loan which I would be upside down and ran my report through XXXX more loan companies dropping my score XXXX points I spoke to Consumer Portfolio Dealer Compliance they said they would be happy to get me in another vehicle the dealership didnt assist as promised they then said they would fix it in the last year I have returned XXXX times and still have the same issues I really need help I found XXXX safety recalls on the XXXX XXXX XXXX XXXX bought that seem to match the exact same issues Im having I have written XXXX like I was instructed to do regarding this lemon of a vehicle because I can not pay XXXX a month for a car that isnt safe XXXX XXXX the dealership wont give me all the documents related to this car please help me
Consumer complaint received 2019-06-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MA)

Received a demand letter from the town  stating a landfill tax of XXXX plus interest and fees for the mortgage co not paying it - resulted in a XXXX bill. My husband had called the town of XXXX XXXX, ma to ask what it was since hes never seen a bill labeled that in other towns we lived in, and 2. He never saw the initial bill to begin with. The town  said we didnt see the bill because it was sent to the mortgage company- they didnt pay it and thus why we saw the demand letter. When my husband called last Thursday, homepoint financial ( the mortgage co ) stated to send the bill over to XXXXXXXXXXXX.XXXX and they would look into it. Never told my husband that it takes up to three days not including weekends to even get the email or the images uploaded. So on Monday at XXXX XXXX est I spoke with a cs rep there who told me they still didnt see any images and that they never saw a bill for the original XXXX for landfill tax. So I told her I found that odd since the town said they sent it out to them. And when they didnt pay thats when we got the demand letter. Town was rude saying there would be a lien if XXXX wasnt paid on XX/XX/XXXX. So the cs rep at homepoint told me to send over the bill again and her supervisor XXXX XXXX @ XXXX would look into it. However she also said it would take 3 days for her supervisor to research it so it was best we paid the bill. She was going to get the bottom of why they supposedly didnt pay that tax bill and 2. The cs rep said they would ask the town  why it was labeled something that the town  was saying was mislabeled to begin with. They ( the town ) are saying its not a landfill / utility tax that its a tax increase bc all homes in town got recently assessed. I have been waiting on the town collector to clarify why the bill reads wrong. 
As waste management in the town told my husband on Friday that it was not a landfill /utility tax for waste management. 

I specifically after finding out how long homepoint was going to take to research this bill of XXXX stated in an email to XXXX XXXX that we were paying it via certified mail as it was due XX/XX/XXXX. She goes ahead and tells me shell research it in email and then pays the town again. I was told by a cs rep that this will increase our mortgage. 

I never in that email to XXXX stated that they should pay it. I specifically said we were on Monday XX/XX/XXXX. I asked why they ignored it though when the town stated it was sent to them directly previously. No answers to that. Just goes ahead and double pays the town. 

Now the town  is double paid and we are paying twice - once with a check we paid out to them and now because XXXX at homepoint didnt read an email correctly- an increase in the mortgage. 

Ive asked them to credit the XXXX before legal action is taken and to get their money from the town that they knew we were paying. Still no credit to loan number XXXX.
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XXXX, at XXXX, I received a text message from Chase stating that they need more information about my Chase accounts ending in XXXX ( my checking account ) and XXXX ( my saving account ). The text message asked me to call them or my accounts may be closed soon. I called them at XXXX but no information or questions were asked, instead, they told me Chase has decided to end relationship with me and my saving and checking accounts will be closed. I asked them what information can I provide to keep my accounts open and they told me there was nothing I could do and my accounts will be closed. 

On XXXX, I received a notice on my Chase mobile app stating 'Due to recent activity, or because we need more information from you, we have restricted your account ( s ) ending in XXXX, XXXX and may close it soon. Please act quickly to better understand the restriction on your account you may be able to provide information needed to keep it open. ' However, when I called them again, they didn't ask me or provided me with any information but only told me my accounts will be closed. 

On XXXX morning, I went to a branch of Chase . The banker told me the same thing that my accounts will be closed and there was no way to recover or appeal. They didn't provide me with any reason nor asked me any information. At the mean time, I asked the banker about my CD account and was told this account was not affected. As a result, I decided to close my CD account and get my money back. The banker called their back agents to confirm whether I can get my money in CD and he was told there is no problem doing that and I would get my money back in a cashier 's check right away. However, after he closed my CD account, he couldn't generate a cashier 's check for me. After he called multiple departments, I was told I couldn't get my money in CD back now. 

As of now, the {$860.00} in my checking account ( end in XXXX ), my {$50000.00} in my saving account ( end in XXXX ), and my {$80000.00} in my CD account ( end in XXXX ) are all restricted. 

I only use my Chase accounts to transfer money with my friends or families. I have attached my bank statements. The only thing I recall that might affected my accounts was that in XXXX, I received multiple transactions from multiple people that I don't know. There were 4 XXXX transactions on XXXX and 2 XXXX transactions on XXXX from people that I don't know. When I noticed these on XXXX, I called Chase Fraud Department right away and told them the situation. The fraud department helped me reversed these 6 transactions.

I personally didn't do anything wrong. I even helped Chase protected their customers by contacting them when I found these miscellaneous transactions. I helped Chase fight against fraud! But Chase just close my accounts and hold my money for no reason.
Consumer complaint received 2019-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (AL)

After being forced into this auto loan I realized the interest rate was very high and I tried to get the company to take a second look and see if they could offer a lower interest rate. I had a fair credit score but being that I already had one vehicle financed with another company with a much lower interest rate I think this company was gauging me because I had such a lower rate on my newer vehicle. I bought this car as a secondary car for my teenage son. I tried for several months for the company to do something about this high interest rate but they have nit dine anything yet, my credit score is in the 600 's and I am financed on a brand new car with a 6.9 % interest rate but they gave m a 24.89 % interest rate. I think that is a predatory rate. I have even mentioned refinancing at a lower rate but I have not been able to do that. I am almost ready to voluntarily give up this vehicle.
Consumer complaint received 2024-07-11
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. (MI)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XX/XX/XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 


I am demanding a deletion of the following account : XXXXXX/XX/XXXXXXXX
Consumer complaint received 2023-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist Mortgage Company owes me {$1100.00}. We closed on the sale of our home on XX/XX/2023. On XX/XX/2023 they took out this amount through autopay. I contacted them the same day and they confirmed that the loan had been paid in full on XX/XX/XXXX and that I would receive a check for the remaining escrow but this issue would take a few weeks to fix and send that check. It was just an error with the payment coming out so close to the final pay out. On XX/XX/XXXX, I contacted them again as I still had not received the check for {$1100.00}. I had received our escrow refund so they have all the info to make sure I get the money. I spoke with XXXX from client services this time and she said she could see that they took the money out but I was going to have prove that it was actually taken out of my account and then gave me this email address XXXX. This email address seemed fishy to me and I expressed that I feel like they were trying to keep the money they owed me. I sent them the info to that address anyways and, as of XX/XX/2023, I still haven't been contacted with a solution. At this point I think I am a victim of theft by Truist Bank. My next step is to hire a lawyer. I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX and trying to get a new home for my family and need this money during this difficult period of transition. Truist doesn't even care enough to contact me.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NC)

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.