davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (NC)

I had a fire several years ago. It's the only claim I've ever made on my XXXX  in XXXX years. Thereafter my insurance canceled me & I had to obtain new insurance Over the period of a few yrs, to maintain the most affordable insurance, it was changed a couple of times, most recent prior to the issue thru a provider Hippo solicited to me thru my lender. It was opened XX/XX/XXXX. Apparently they provided me coverage & decided to drop me at policy renewal unbenounced to me. I wasn't aware up unto the point I received a letter from my lender discussing maintaining coverage around XX/XX/XXXX. I immediately started working on this and had new coverage within a few weeks. After my coverage began XX/XX/XXXX, on XX/XX/XXXX I received a ( 2nd notice ) from my lender threatening force placed hazard insurance and notifying me that I would be charged {$150.00} for my forced placed coverage. I immediately called them and was on the phone an XXXX XXXX  & XXXX getting transferred around talking to different people. I was finally reassured I'd receive a follow up phone call pertaining to the listed charges I'd vehemently disputed. My take on it was simple. I'd only received one notice from my lender prior to obtaining coverage & I immediately obtained new coverage. I disputed my notice to them citing regulation 12CFR Part 1024.37 of the CFPB multiple times to my lender 's reps to which they documented. Additionally I inquired as to why I was sent a notice of charges for " coverage '' to be future billed to my account only after I sent them new proof of coverage. I additionally disputed the facts if they were going to charge me for lender placed insurance, why had I not received prior proof of coverage. Furthermore I discussed with them, even if I intentionally had lapse on my policy & hadn't immediately began obtaining new coverage, I should only be charged a premium based on the amount of secured interest they have in the property, which is XXXX XXXX. They charged me based on a coverage amount of XXXX XXXX over XXXX their interest in the property. Now I understand I've previously carried coverage for this amount & discussed that with them, but if they are going to force issue a bogus policy that was never intact nor disclosed with a XXXX page or charged to me until XXXX XXXX  after the fact, it should only be on the amount of their secured interest which would equate to roughly {$50.00}, not {$150.00}. I finally received a notice today ( XX/XX/XXXX ) nearly XXXX months after my new insurance policy began that they had continued on to charge my account for the {$150.00} anyway despite my dispute & no return call as I was reassured. The bottom line is there are a number of reasons I believe they've acted intentionally in a predatory manner regarding this situation for no other reason than an intended money grab. I believe I have just cause for legal action regarding this matter if I'm not able to get my money refunded regarding this situation. Can you please assist?
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These Accounts have violated my rights According to FCRA ; XXXX. XXXX XXXX XXXX : account # XXXX XXXX. XXXX XXXX XXXX : account # XXXX. 
According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report.

15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' Spokeo v. Robins, 2016 WL 2842447, 578 U S.- ( May 16, 2016 ).

Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how these accounts are reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account states. 
Everything reported here does not meet the FRCA.
Consumer complaint received 2018-05-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NC)

I have never been late on a mortgage payment as long as i have owned a home. Roundpoint Mortgage failed to draft my payment XX/XX/XXXX and then again in XX/XX/XXXX wwhich is adversely affecting my credit. I have spoke to numerous supervisors many times who have said they would correct their mistake and remove the two derogatory items on all three credit bureaus. Now my account has been purchased to another company and Roundpoint Mortgage is refusing to help in the matter after two years of trying to fix and resolve this matter.
Consumer complaint received 2024-07-15
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. (NY)

My persistent efforts to rectify the fraudulent, erroneous, and misleading entries on my consumer report have been ineffective. These false records have severely disrupted my life, resulting in considerable anxiety and distress. As a victim of identity theft, I must emphasize that I never sanctioned or agreed to have this information linked to my identity.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

I have the right to make sure my private information isn't shared which is backed by Fair Credit Reporting Act 15 USC 1681 and 15 USC 6801. It is the policy of the congress that each financial institution has an obligation to respect the privacy, security, and confidentiality of their customers. 

The Financial institution and the CONSUMER REPORTING AGENCIES XXXX and Equifax DO NOT have my consent to furnish this information. They have never received my written consent. 

All consent to Equifax and XXXX is revoked whether it be Verbal, Non-verbal, Written or otherwise. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never informed of my right to exercise my nondisclosure option. 

15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services!
Consumer complaint received 2024-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green & Sons Agency, Inc. (ID)

I don't believe the debt is mine. I tried to work out with original creditor without cooperation from XXXX XXXX XXXX. I got a letter from Outsource Receivables demanding payment for a debt I disagreed with. I responded trying to validate the debt and asked for original contract with signature. I asked for payment history. I also asked for some type of proof of ownership of debt or assignment of debt. I never heard from Outsource Receivables nor XXXX XXXX XXXX again. I assumed with their failure to respond the matter must have been closed. I then pulled my credit report to discover Outsource Receivables had reported false information to the credit bureaus without complying with regulations under the FDCPA
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

My debit card and phone were stolen on XX/XX/year>. I report that my account was hacked through my phone and fraudulent transactions made via XXXX. I also report fraudulent transactions on my debit card at a XXXX store and money withdrawn via ATM. This was reported on XX/XX/XXXX and XX/XX/XXXX. 

My claims for XXXX and XXXX store were refunded but the ATM was not. I asked for an appeal was told to submit a police report. I finally received the police report on XX/XX/XXXX and submitted. I did not receive any communications from the bank. I called XX/XX/XXXX to ensure they received it and reviewing, they say yes. I called again on XX/XX/XXXX and they said it was being review no action taken yet. I called again on XX/XX/XXXX and got the same reply and to call back on XX/XX/XXXX. I called back on XX/XX/XXXX and was told the claim was denied. I did not receive any communication from the bank. 

The claim was denied because the ATM card was used with my PIN. I told them my PIN was the same as the pin to get into my phone and that the individual who stole it likely saw my pin used on my phone and also at the store. They would approve the fraudulent charges even with the police report.
Consumer complaint received 2024-07-15
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: EQUIFAX, INC. (NV)

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below XXXX XXXX XXXX XXXX - The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Consumer complaint received 2024-08-22
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: JPMORGAN CHASE & CO. (CA)

XX/XX/2024 - Amazon order # XXXX. 
XX/XX/2024 - Amazon Return Authorization Id. XXXX ( Amazon insisted they will send XXXX driver pick-up ) XX/XX/2024 - XXXX driver pick-up the original package containing the XXXX XXXX weight XXXX. pick-up slip provided. 
XX/XX/2024 - XXXX proof of delivery to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XX/XX/2024 - Chase Amazon Credit Dept. letter claiming charge of {$430.00} after I submitted all the documents of my dispute online. Unfortunately, there's no way to attach them here. 
XX/XX/2024 - Chase Amazon Credit Dept. letter claiming charge again. I called them they acknowledge my return documents proof were received and did not provide a resolution of my dispute. 
XX/XX/2024 Amazon Customer service emailed me indicating that Amazon has refunded my purchase after receipt of my return # XXXX. In XX/XX/2024, I ordered the XXXX XXXX XXXX XXXX ( {$430.00} ) and a wrist band ( {$53.00} ) - order XXXX. The watch doesn't pair with my Android phone. I went to the XXXX XXXX XXXX XXXX, XXXX XXXX to talk to the technical staff ( Genius ). Two of them verified that the XXXX watch doesn't work with the XXXX phone. Order detail is attached. 
# XXXX. In XX/XX/2024, I called Amazon and Amazon provided me with the Return Authorization Number : XXXX. AMAZON INSTRUCTED ME THAT THE ITEM MUST BE PICKED UP BY UPS DRIVER AND TOLD ME THAT UPS WILL PICK UP IN 2 DAYS. AMAZON REFUSED TO PROVIDE ME THE RETURN SHIPPING AND QR CODE. Amazon provided me with the QR code and return shipping for the 2nd item - AXXXX XXXX XXXXXXXX ( Amazon provided the return email with the QR code. {$53.00} credited after personally returned the item to XXXX XXXX XXXX XXXX booth ). I returned it to the XXXX XXXX  drop-off location and the credit was processed properly. 
# XXXX. In XX/XX/2024. XXXX driver arrived to pick up the package containing the XXXX XXXX packaged in the original brown box and provided me the pick-up receipt as attached. 
# XXXX. In XX/XX/2024 XXXX proof of delivery from XXXX tracking online. 
# XXXX. In XX/XX/2024, I received the XXXX letter from Chase Amazon credit card and called them. The Chase credit card customer service requested I upload the proofs of XXXX driver pick-up. I even tracked the package on XXXX tracking and uploaded the UPS proof-of-delivery showing it was dropped off to the shipper in XX/XX/2024. 
# XXXX. In XX/XX/2024, I received another letter from Chase Amazon credit card. They confirmed that they had received my XXXX driver pick-up proof and the proof of delivery I tracked from XXXX. 
# XXXX In XX/XX/2024 I have received email confirmation from Amazon Customer Services notifying me the return has been received and the refund has been issued.

Chase Amazon credit card still insisted that the charged was valid.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I contacted you all mentioning a misplaced card and an unauthorized charge of over {$500.00} on my card. My response from Wells Fargo was since the card was inserted then they can not issue a refund. I have made a police report and waiting for them to get back to me. 

Here is my previous statement ; " Hello, I am finding out about you all after some research on the web. I have been dealing with Wells Fargo for a big purchase on my card for about a year now. I told the Wells Fargo team about unknown charges on XX/XX/2022 for {$650.00} at XXXX and {$39.00} at XXXX XXXX. I told Wells Fargo I had lost my card and found it later that day with security not thinking it was used since it was still in my wallet when it returned to me. I let them know that I am mainly worried about the {$650.00} charge and they told me they would get back to me. Months went by and I contacted them again they told me they are still investigating. More time went by, another call, and I was told I would not be getting a refund since my card pin was entered. When telling Wells Fargo about this charge I let them know that I do not shop at high-end stores and to please check my account and see that this is an unusual charge. I was told since the pin was entered in I would not see my money. Please help. '' After being a customer of over 8 years with no charges like this on my statements this is XXXX response in short ; " While we empathize with you under regrettable circumstances, we respectfully decline your request to reimburse your account for transactions you authorized. We recommend you reach out to the merchants directly for further recovery efforts. '' I have reached out to the store, the store tells me to contact my bank my bank tells me to contact the store. 

Need this fixed please as over {$500.00} missing is pretty worrying.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (AZ)

I had a Citibank credit card as a member of Costco which I closed on XX/XX/XXXX because of deceptive interest rate practices. My final payment was for the purchase of a refrigerator and was made on XX/XX/XXXX in full. I am now being charged additional interest because the payment was not made on the STATEMENT DATE but within the period shown on the statement. This charge is unacceptable and how can Citibank get away with charging interest before the due date of the remittance.
Consumer complaint received 2023-09-20
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : XXXX XXXX XXXX DEAR EQUIFAX This account was reporting inaccurately and violating my FCRA rights as I am entitled to accounts on my report being accurate and verifiable. The other XXXX credit bureaus removed this account because they were unable to properly verify it. Im confused why you are still reporting this account and you have access to the same information the other credit bureaus do? Please send proof that this account has been properly verified or remove this account from my report immediately. 

Regards, XXXX XXXX I HAVE ATTACHED COPIES OF MY REPORT SHOWING THAT THIS ACCOUNT IS ONLY SHOWING FOR EQUIFAX BUT NOT XXXX OR XXXX BECAUSE THEY HAVE DELETED THIS ACCOUNT BUT YOU CONTINUE TO REPORT INACCURATE INFORMATION AND REFUSE TO DELETE THIS ACCOUNT THAT CAN'T BE VALIDATED.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA (CA)

I opened a XXXX XXXX XXXX Account using a unique link provided to me by another customer. Use of this link was meant to provide me & that other customer with an increased interest rate. 3.5 days after opening the account, I called XXXX complaining the rate had not been applied. Customer service refused to take any action because I was outside of a XXXX hour window. They did not provide me with the policy that stated I had a XXXX hour window to complain. I elevated to a CFPB complaint. After much back and forth, including a confidential call with the person who sent me the referral link, I eventually received a call from XXXX IT saying that I did not use the link to open my account. When I reiterated that I had, and that I had clicked on the terms and conditions during the process, she said that perhaps clicking on the terms and conditions had taken me out of the linked portal. 

XXXX then resolved my CFPB complaint with the response that I did not open my account using the unique link. I did follow the unique link to open my account. If features of the XXXX website cause customers to be taken out of the unique portal, this is an issue that XXXX should resolve. 

I followed the unique link sent by my friend, but there was nothing in the XXXX account to indicate when I was " in '' or " out '' of the portal, and I had no way of knowing that XXXX would refuse to apply the advertised rate to my account. 

The IT rep I spoke with additionally advised me that many people face similar issues, and that her personal advice is that everyone call customer service immediately after opening their account to avoid missing out on the advertised interest rate. This advice of course could not help me, since I had already been denied the rate. There is nothing on the account opening page advising consumers to call customer service to ensure that they receive the advertised rate.
Consumer complaint received 2024-08-21
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: Continental Services Group, Inc. d/b/a ConServe (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CONSERVE Attn : Disputes Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Account Information - Account No. XXXX Dear CONSERVE Disputes Department, I am writing to formally dispute the inaccurate information reported on my credit file regarding the account with the original creditor, XXXX XXXX XXXX XXXX. The account number in question is XXXX. 
Dispute Summary : Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Reported : {$910.00} Date Opened : XX/XX/XXXX Current Status : Collection Account, {$910.00} past due as of XX/XX/XXXX Grounds for Dispute : Inaccurate Reporting : The account is inaccurately reported as a collection account with a past due balance of {$910.00}. This information is incorrect as the account has been previously paid off and should not reflect a past due status. Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and complete information. The erroneous information on my credit report has caused significant harm to my credit standing. 
Violation of Consumer Protection Laws : The reporting of this account violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1692e, it is unlawful for a debt collector to use any false, deceptive, or misleading representation. Additionally, 15 U.S. Code 1681s-2 obligates data furnishers to provide accurate information to credit reporting agencies. 
Request for XXXX : I request that you immediately cease reporting this account to all credit reporting agencies and correct the inaccurate information on my credit file. Additionally, please provide me with documentation that substantiates the validity of this debt, including but not limited to : XXXX of the original debt, including any contracts or agreements signed by me. 
A detailed payment history showing how the balance was calculated. 
Any communication records showing my acknowledgment of the debt. 
XXXX Notice : Please be advised that litigation is pending regarding this matter, as previously noted on my credit report. I expect a prompt resolution of this dispute in accordance with the consumer protection laws mentioned above. Failure to comply with these legal requirements XXXX result in further legal action. 
Closing : I request written confirmation of the actions taken to resolve this matter within XXXX days of receipt of this letter. If the inaccurate information is not corrected, I will be compelled to take further legal action to protect my rights under federal law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX