davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO. (PA)

I just opened a new credit card to build my credit back up and I seen that there was an account made prior with my name and SSI number. Putting me into debt and having my information.
Consumer complaint received 2023-12-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I applied for a Capital One credit card to rebuild my credit as it helps with rebuilding credit. I have applied several times and I have been denied multiple times citing a previous account that was compromised due to identity theft. Capital One didn't take the identity theft claim seriously and refused to investigate my claim. I believe that I am being discriminated based on my XXXX, my identity being stolen and race since I am XXXX. I believe that the identity fraud that hit my account and myself being held liable is because of my race, XXXX and nationality.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I have an account with CitiBank and they blocked me from having access to my account and refused to tell me why. I asked could I go inside a branch so that I could verify who I am and they told me no. They refuse to unblock my account which means I am not able to pay my bills. I have called several times and no one seems to be willing to help me. I have asked to speak with a manager and still no help. Its been over a month and I still dont have access to my funds thats in my account.
Consumer complaint received 2023-10-29
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc. (VA)

I sent XXXX letters through certified mail with return receipts. The first letter was a debt validation letter which they did respond to but did not have enough evidence to support their claims of {$690.00}. I sent two more letters requesting the following : 1. Pictures of damaged carpet, 2. Invoice from carpet company ( if professionals were used ), and if done in-house, provide to me any and all documents of repair and or replacement, 3. Before and after pictures of the cleanliness and condition of the carpet, 4. Any and all information that the pictures provided to me in your response dated XX/XX/XXXX, were from my unit. 

XXXX. Me giving you permission to furnish information to my consumer credit report.

Never got a response after sending those last two letters on XX/XX/XXXX, and XX/XX/XXXX. 

within the last two letters, I asked if they can't provide me with the documents delete my information from their system, and delete and remove it from my credit report.
Consumer complaint received 2023-12-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (MI)

I have contacted the collection company and asked for verification letter or contract, notified them that i do not consent and never have given consent to them, I also attempted to dispute through XXXX, XXXX, XXXX, and notified them that i filed a FTC report and have not been removed off my report. The collector RENT RECOV, XXXX  is reporting an amount of {$6300.00} on my report which has caused me to get denied for housing with other companies. XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX ; reporting {$830.00} I have also asked for written letter/ validation or contract signed by me which was not provided.
Consumer complaint received 2023-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I HAVE SENT A LETTER TO XXXXXXXX XXXX REQUESTING VALIDATION OF THE PURSUANT 1006.34 AND CONNECTION TO 18 U.S.C. 1029 credit card fraud, WHICH THE COMPANY RECEIVED AND SIGNED CERIFTIED GREEN CARD ON XX/XX/2023. I HAVE YET TO RECEIVE ANY DOCUMENTS REGARDING THIS STOLEN INFORMATION.

This alleged debt is disputed entirely under 12 CFR 1006.34 ( c ) ; this is a notice of validation of the debt and account opening. I have never applied for this credit card, and I do not have any knowledge of or access to this credit card. But my credit report shows you are reporting a XXXX HSBC Cashback Card ; I do not know how this account was opened! Once again, I do not have any acknowledgment of this card, so I can not provide any information about this fraudulent card being reported on my credit report. Please send the validation for Pursuant 12 CFR 1006.34. Please provide all documentation showing that I applied for this credit, how this credit card was used, and reflected on my credit report under my name and the last four digits of my SSN. Please close out this account ; you have 30 days to respond. Since you can not validate this account, please delete this account from all three of my credit reports and send me a letter showing proof of removal to the address above.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, has violated my rights. 
XXXX 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
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Flexible Finance, Inc. (NC)

I am writing in regards to the hard inquiries that are on my XXXX XXXX report. Upon reviewing my report, I have identified several inquiries that are inaccurately reported. I, XXXX XXXX did not authorize the listed inquiries. I did not give consent to pull or obtain my credit files. I need to see a signed wet signature of an application for these inquiries. By law, I can request this information. See below : - Flexible Finance, INC : XXXX Date : XX/XX/2023 & XX/XX/2023
Consumer complaint received 2023-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (CA)

I had XXXX last payment to make on my mortgage. I received the final statement with the final payment amount XXXX XXXX XXXX. I immediately sent the payment even though it was a few weeks early ( sent XX/XX/XXXX, due XX/XX/XXXX ), as I am excited to payoff the mortgage. I received a confirmation email XX/XX/XXXX that the payment was received confirming the amount {$1300.00}. Everything was fine and paid in full. 

A day or two later I received a letter dated XX/XX/XXXX stating that if I wish to payoff my loan at this time, I needed to request a payoff statement, among other end-of-loan activities like canceling automatic bill pay. Since I already made the payment per the statement I ignored the letter. I did not wish to payoff early, just on-time by making the normal final payment. 

On XX/XX/XXXX I received another letter dated XX/XX/XXXX stating my loan is NOT paid in full and remains active, due to a shortage of funds, and to see the attached payoff statement. There was nothing attached. I called PRMG XX/XX/XXXX and was on the phone for 27 minutes with XXXX (? ), and she took some time to review and understand the situation. She could not provide any reason the additional fees and payoff statement were created, nor was she able to help credit my payment properly per the final monthly statement I received and paid. But she did direct me to the website ( I was already logged in ), and said I should review the documents section to find the payoff statement. She would not send another. 

I found the statement and sent an additional {$180.00} via my bill pay service - the same way I have always sent payments and they were always received. However, after reading the 4 page statement / letter it said that I could ONLY send a wire or certified funds. 

I went to my bank and tried to make a wire transfer, but the wire instructions provided did not make sense, mostly due to no complete bank address provided. My bank suggested I send a cashiers check ( certified funds ) as it would be cheaper even with overnight delivery. So I got the check and sent it to a different bank / address per the instructions ( not where the wire was supposed to go ). This cost {$24.00}. 

I do not believe that the mortgage servicing company had any right, authorization or other basis to force me to follow the extreme measures and pay additional fees and charges. 

Any help you can provide to resolve this issue is greatly appreciated. Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UMB FINANCIAL CORPORATION (CA)

Hi CFPB, Regarding : Check # XXXX In the amount of {$370.00} Issue date XX/XX/XXXX UMB Bank failed to provide me with proof of payment : ( XXXX ) A copy of what UMB mailed to the to the merchant ( as the merchant claimed they did not receive the check from UMB ). 
-and- ( XXXX ) If the merchant redeemed the check, a copy of the cancelled check ( back of the check, marked by the depositors financial institution ). 

I requested the above documentation from UMB in XX/XX/XXXX, and followed up numerous times over the past XXXX  months, spending up to XXXX hours on the phone each time answering their questions. Below is a list of some of the calls I placed ; UMB agreed each time, however still failed to provide the documentation : XX/XX/XXXX : XXXX hours XX/XX/XXXX : XXXX hour XX/XX/XXXX : XXXX hours XX/XX/XXXX : XXXX hours XX/XX/XXXX : XXXX hour UMB confirmed the following : XXXX withdrew the funds from my account on XX/XX/XXXX. 
UMB mailed the check to the merchant on XX/XX/XXXX, and included all of the Memo notes. 
Im not able to access my UMB account directly ( as it is an XXXX XXXX Account ). UMB is the bank for the XXXX. UMB is responsible for mailing the check and providing the requested documentation. 
XXXX XXXX XXXX XXXX administers the XXXX plan ( XXXX XXXX XXXX doesnt have the documentation ). 

The merchant put my account in to collections due to no check being received from UMB and no proof of payment documents from UMB ( UMB is aware of this as well ).

Based on my experience, it appears as though UMB has acted unfair and misleading. 

Thank you and best regards.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am submitting this follow-up communication to apprise you of my previous complaint, dated XX/XX/XXXX, regarding my status as a victim of identity theft. As stipulated in FCRA Section 605b, Credit Reporting Agencies are mandated to expeditiously remove any items identified in an identity theft report, specifically under reference number # XXXX. Enclosed herewith are the relevant documents, attached for your reference, to facilitate the removal of erroneous information and inquiries that have been erroneously posted to my credit report. The following list comprises items that neither belong to me nor were opened with my explicit permission : 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 EQUIFAX 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. Per FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items identified by the consumer as information resulting from alleged identity theft not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (VA)

ACCT NUMBER : XXXX DOLLAR AMOUNT : {$790.00} I am not liable for this debt with Credit Control Corp . I do not have a contract with Credit Control Corp. Also they did not provide me with the necessary original contract as requested
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved.

from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information
Consumer complaint received 2024-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Select Portfolio Servicing is our borrower for a rental property we own in XXXX XXXX XXXX XXXX XXXXXXXX We have paid our monthly payments every month on time until we received a doubled bill. We paid the doubled bill and called them to ask why they are charging so much. They claimed that they are taking money for the property insurance and taxes. I proved to them that i pay all this independently and asked them to correct the monthly payment to the original one and refund the additional money i needlessly paid for good standing and they did not do anything about it. 
I spoke to a different rep every couple weeks, begging them to stop harassing me and re-proving that i owe them no such moneys and still, they don't stop demanding money they don't deserve. They have started a forecloser process when there was no need, they have ruined my credit and are literally bullying me in demand of monies that is not theirs to demand. 
I have provided them with every document they've asked for in proof of my justice and still they continue.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I submitted a complaint before. But I only get check from XXXX account. There's still money from another account I don't receive, which save most of money in that account. I called so many times to the bank, but they didn't fix the issue. And It's been XXXX months since the account was forcibly closed. I need this money to support my life.
Consumer complaint received 2023-09-26
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (MN)

An account generated by Wells Fargo encompasses a substantial line of credit used to buy a one time purchase of a air conditioning and heating system. They issued a credit card that lower myXX/XX/XXXX score by more than 40 points because of my high usage of the card, even though the initial purchase of the installed HVAC equipment, was in excess of {$20000.00}. My credit reports still show a excessive use of this card in the area of 67 %. That and another card issued from another financial institution, continue to keep myXX/XX/XXXX static. I submit this Wells Fargo account should be categorized as an " installment loan, and not as a charge card. I don't think I will be buying anymore {$20000.00} air condition and heating in my lifetime.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023 I called the bank, Wells Fargo in XXXX, TX, because I was told by the bank that my account had been put on hold. When I called the bank, the person I spoke with would not tell me who put a hold on my bank account or why a hold was placed on my bank account. I had my son call the bank in a 3-way phone call with the bank and we were told that Wells Fargo would not discuss anything about my account unless we provided them with a reference number. I, to my knowledge, have never received a reference number from Wells Fargo and we tried to explain that to them with no success. I live in assisted living and do not have transportation to XXXX, TX from XXXX, TX and my son lives in XXXX, AK and it would be inconvenient for him to travel to XXXX  just to try and get this problem corrected. We asked to speak to a supervisor and Wells Fargo told us we could file a complaint, but the person who would respond to the complaint would not talk to us without the reference number which we do not have. I have no way to access my funds, including my Social Security checks that are being deposited at Wells Fargo unless this can be resolved.
Consumer complaint received 2023-12-21
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. (FL)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I recently received a copy of my credit report. I was shocked to learn that I have been victim of identity death. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-05-13
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: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/2024 I received a letter regarding denial of my application for modification from Select Portfolio Services , Inc. On XX/XX/2024 I requested again to be considered for other relief programs and stop the foreclosure ( date XX/XX/2024 ). I have submitted all requested documents such as taxes, incomes, bank accounts with my application.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

Urgent Assistance Needed : Unexplained Block on Bank Account To whom this may concern, I hope this message finds you well. I am reaching out to you today with a sense of urgency regarding the block on my bank account. 

For over 30 days now, my account has been inexplicably blocked, and despite numerous attempts to seek assistance, I have been met with frustrating obstacles and no resolution in sight. I have made over 20 calls to your customer service line, only to be told repeatedly to wait for a letter that never arrives. 

While I continue to receive statements, cards, and even some checks that I did not order, the crucial letter explaining the reason for the block is conspicuously absent. Today, I spoke with a member of your team who admitted that she could not identify any issues with my account. Yet, the block persists, preventing me from accessing my hard-earned money and fulfilling my financial obligations. 

As a working individual with bills to pay, this situation has caused immense stress and hardship. Each call to your customer service line entails waiting on hold for at least an hour, further exacerbating the frustration and inconvenience I am experiencing. I did speak with someone with their XXXX unit at XXXX and was given this case number XXXX. 

I implore you to please take immediate action to rectify this situation and provide me with clarity on why my account has been blocked. I rely on these funds to meet my financial responsibilities, and the continued blockage is untenable. 

Your prompt attention to this matter and swift resolution would be greatly appreciated. Please do not hesitate to contact me at XXXX to discuss this further or provide any necessary information. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX