davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
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. (CA)

this company failed to provide proof of verification multiple times and refused to remove bad debt from my credit report this violates so many laws and will be reporting to BBB of this fraudulent information. told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX  ALSO THESE 2 ACCOUNTS ARE THE SAME PEOPLE UNDER 2 DIFFERENT NAMES " Original creditor : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX '' Account name XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX FOR YOU Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 a account without my written instructions 15 U.S.C 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. 

Also they aren't even in compliance with metro 2 credit reporting.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (DC)

NFCU restricted access to my online account after settling two accounts with them, however, I still had a checking and savings account. Also, from my understand they weren't supposed to restrict access after they were fined by the CFPB. NFCU actually had to pay back one of my settlements that I paid out to them. I did not receive a settlement on the other account that should've been refunded as well for the unfair debt collection practices as both accounts were settled around the same time. I was refunded
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$4100.00} ; XXXX  XXXX Balance : {$7900.00} ; XXXX  XXXX Balance : {$9400.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXX & XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$7900.00} ; XXXX XXXX  XXXX Balance : {$7700.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (NJ)

My mortgage company American Neighborhood Mortgage company failed to pay the premium for my homeowner 's insurance and as a result, the policy has lapsed. 
I had set up direct deposit to pay my taxes and insurance along with my mortgage payments thinking I should not miss any payments inadvertently. 

American Neighborhood Mortgage 1 XXXX XXXX XXXX XXXX IL XXXX Loan Number : XXXX The insurance company sent me an offer to reinstate by postal mail dated XX/XX/XXXX which I took it up with the mortgage company through their customer service dept. they assured me that it will be taken care but they did not until I noticed on XX/XX/XXXX. 

On speaking to them they acknowledge they received two bills on XX/XX/XXXX for the amount of {$1200.00} and another bill for {$560.00} which was for my other property. They also acknowledge that they received another bill of {$560.00} on XX/XX/XXXX for my other property and Evidence of Insurance on XX/XX/XXXX. A notice of Cancellation was finally served to them, yet no one contacted me or the insurance company to reinstate the policy. 

My insurance lapsed and was canceled as a result and I was unprotected for almost 4 months. I am now forced to buy a new policy at a higher rate as now I am being treated as a defaulter for non-payment of the premium which attracts higher rates.

They are not refusing to take the differential cost of the premium ... and it is not fair to me as should they have paid it on time I wouldn't have had to pay the higher rate. 

Request you to please investigate it and help me get the adjusted amount back for at least this year.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and XXXX entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries This is not misrepresentation I am victim of Identity theft this not a mistake sent in error. I did not consent to authorize nor benefit from any of the following inquires or accounts. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts. Please block and remove immediately the following inquires from each Bureau.
Consumer complaint received 2017-03-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

Ditech processed payments incorrectly and did not rectify in a timely manner which resulted in my having to pay a lock extension fee when I went to refinance. All of this is explained in the attached letters. I have been extremely patient with Ditech. They have sent me several letters saying they are looking into the issue, but it has been over 4 months now. The loan has since been closed because I refinanced, but the issue and outtstanding resolution are straightforward.
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (WI)

Shellpoint Mortage It reflects 60-days late on my credit report for account # XXXX. I have attached a copy of the deferment letter. My loan has been in deferment from XXXX XXXX-XXXX  XXXX, I was informd that while my loan was deferment and they was trying to work out a mortage plan for me to keep my home, my credit score would not be affected, and they would not report my payments as late. But inside they did to all credit bureaus. 


XXXX XXXX XXXX deferment it reflect 90-days late on my credit report account # XXXX I have attached a copy of the deferment letter. My loan was defermened and they was trying to work out a mortage plan for me to keep my home, credit score would not be affected, and they would not report any negative action to the credit bureau. XXXX XXXX XXXX.
Consumer complaint received 2023-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-04-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mr. Cooper Group Inc. (IL)

I sent NationStar mortgage llc ( Debt Collector ) a notice of validation of debt in accordance with the FDCPA. I did not receive the proper information to satisfy my legal request concerning a XXXX dollar debt I allegedly owe. XXXX XXXX has notified me that NATIONSTAR MORTGAGE LLC/D.B.A Mr. Cooper is a debt collector and is servicing my loan. I would like Nationstar llc/Mr cooper to provide me sufficient evidence or information concerning the validity of this loan/ alleged debt in accordance with FDCPA.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

XX/XX/XXXX : Bank Fraud occurred in Savings XXXX  XXXX. Purchase bank check or draft : {$7400.00} XX/XX/XXXX : Bank Fraud occurred again in both Checkings and Savings Acct at Wells Fargo 1. cash XXXXXXXX, {$2500.00} 2. online transfer : {$7500.00} 3. purchase bank check or draft : {$6700.00} XX/XX/XXXX Bank Fraud occurred in Checkings : 1. Cashe e-withdrawl XXXX {$2.00}, XXXX XX/XX/XXXX Bank Fraud in Checkings : 1. Online transfer : {$7.00}, XXXX XXXX. Purchase bank check or draft : {$7.00}, XXXX XXXX cash e-withdrawl : {$1900.00} XXXX : Filed XXXX different claims with bank ; called XXXX XXXX, requested new debit card, changed usernames and passwords to online accounts XXXX : Went into bank brank and opened new accounts to prevent more bank fraud, was told the decision on the claims would take XXXX business days. 

XXXX : XXXX claim credit was deposited back into Checking for " ewithdrawls '' in amount of {$4100.00} and {$2500.00} was deposited into XXXX. 

Still missing claims are for multiple " purchase bank or check draft '' that I reported were not me. 

No responsese received via mail, or email. Called Claims dept. today, XX/XX/XXXX and was told my claim was denied because of " pin verification number used '' I asked to speak with supervisor and XXXX who made decision but was only told I would get a call back.
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

I received a letter from Chase Customer Service dated XX/XX/XXXX instructing me to call XXXX. I phoned and was informed that I needed to visit a branch to clarify some account information to do with XXXX coding. Sometime between XX/XX/XXXX and XXXX visited the branch and was helped by two employees, who took my information, worked with the account on a computer, and told me that the issue should be resolved. 

I did everything they asked but on XX/XX/XXXX I discovered the account had been frozen. I phoned and talked to Compliance and was told that I had to see a Banker in person at a branch to get the freeze removed. I then contacted and began working with XXXX XXXX, Assistant Vice President, Private Client Banker, in person at least 7 times in XX/XX/XXXX, XXXX of which were on the same day different times, and multiple phone conversations of which the last three were on XX/XX/XXXX, XXXX, and XXXX stating that we are so close to resolving this issue. 

As of XX/XX/XXXX the issue remains unresolved and the account is frozen. 

This account was opened and used continuously since XXXX of XXXX.
Consumer complaint received 2023-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Sent letter end of XXXX to request account documentation to provide proof of debt. Never received. Then received notification that I was being sued by this debt collector, each time I call I get different information. Phone calls have been recorded, they are giving me the run around and refusing to provide proof of the debt. They say their phone lines are messed up or provide # s that dont work, they tell me to call back later. I have asked 3 times who the attorney is in the case and am told 3 different answers. I finally placed the debt into dispute.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TN)

Subject : Complaint Regarding Recent Credit Application Decision for American Express Gold Card Dear Consumer Financial Protection Bureau, I am writing to express my deep concerns regarding the recent decision on my credit application for the American Express Gold Card. I am the applicant in question, and I am reaching out to seek assistance in addressing what I perceive to be a violation of my rights under the Equal Credit Opportunity Act. 

Believing in the fairness and integrity of the credit application process, I submitted my application along with my social security number, fully expecting a favorable consideration. However, to my dismay, my application was summarily denied. 

I wish to bring your attention to the Equal Credit Opportunity Act, as outlined in 15 U.S.C. 1691c, which stipulates that adverse actions in credit applications must adhere to specific legal standards, potentially resulting in civil liabilities under U.S.C. 1692k. Furthermore, the non-issuance of credit despite my application in good faith raises concerns under 15 U.S. Code 1642, U.S.C. 1681m, and 12 CFR 1002.

The use of my personal information without any corresponding credit extension is disconcerting. To resolve this matter effectively and to uphold the values of American Express, I propose the reconsideration and approval of my application for the American Express Gold Card. Such a gesture would not only address my concerns but also reflect positively on American Express 's commitment to equitable practices. 

I kindly request your intervention in ensuring that the credit decision on my application aligns with the legal standards set forth in the relevant statutes. I am looking forward to a prompt and favorable response. For any further communication, you may contact me via email or phone. 

Thank you for your attention to this matter. 

Sincerely, A worried consumer.
Consumer complaint received 2023-12-12
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: Albert Corporation (CA)

Albert app overall is extremely misleading in terms of what consumers are signing up for, and they are also not allowing me to close my account, even after Ive requested 3 times today in writing via email. Im happy to provide my emails back and forth with them as evidence. They told me I have to pay my {$150.00} salary advance back plus fees, and then said only after that will they assist me in closing my account with them. Based on their Terms and Conditions, it doesnt seem as though Im legally obligated to repay their salary advance, and it also seems that they should not be able to engage in any sort of debt collection practice or outreach to make me repay. I do not trust this company, and want my account and information associated with them deleted immediately. They are also not acknowledging that I sent them a request in writing to revoke authorization for any and all future charges from my checking account or debit card. I sent them 3 emails today ( which is more than 3 business days prior to the next scheduled debit, which was for XX/XX/15 ), asking them to acknowledge that Ive revoked authorization and that they wont be attempting any future debits out of my account for repayments, subscription charges, or anything whatsoever. They keep replying back and not directly acknowledging my request. They change the subject and say they can turn off my XXXX XXXX transfers if Id like, or that they will cancel my XXXX XXXX but they havent directly acknowledged my revoke authorization request, even after Ive emailed them 3 times about it today, Albert advertises up to {$250.00} salary advance, but that is not actually available. They also make it very unclear that you have to sign up for a XXXX XXXX, which is {$14.00} per month, and also have to participate in a service called XXXX XXXX, where they automatically debit random amounts from your linked checking account, at their discretion. They make it extremely difficult and confusing to cancel these services, and I believe they are operating in a predatory manner and using dark tactics to prevent users from cancelling ongoing charges and services on their app. Can you please assist me in closing my account fully with the Albert app and also get them to acknowledge my revoke authorization request. I do not want Albert Corporation to harm me or any other consumers any further.
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE ()

1- XXXX XXXX XXXX XXXX XXXX authorized by the XXXX XXXX XXXX with firm reference XXXX ) Initiated a XXXX wire transaction of mine by their partner bank XXXX XXXX XXXX as real sender bank ) / XXXXXXXX XXXX  ( as senders correspondent bank ) through invalid receivers correspondent Bank ( Bank of New York Mellon-USA ) which is not the formal Beneficiarys correspondent bank for XXXX  transactions of my beneficiary bank ( XXXX XXXX XXXX XXXXXXXX XXXX as per my beneficiary bank also as per third party XXXX route tracking service ( XXXX  ) and failed to deliver it to my beneficiary bank account with following payment details : XXXX : XXXX Reference # : XXXX Dated : XXXXXXXX  Amount : XXXXXXXX XXXX XXXX I asked the Bank of New York Mellon XXXX XXXX XXXX XXXX XXXX ), in its alleged capacity as the beneficiary 's correspondent bank, to show a receipt from the beneficiary 's bank or the next bank to BNY Mellon in the XXXX route that received the transfer from them ( My request was evaded ).

3- Instead of showing the receipt, they asked me to write to the beneficiarys bank and order them to send XXXX messages to BNY Mellon Bank XXXX As a matter of repetition, I sent their request to XXXX XXXX XXXX, which responded that it was not possible to contact them through the XXXX network because they were not their correspondent bank. 

4- So, I accuse BNY Mellon bank of misleading justice , causing intentional harm, delaying the arrival of international transfer. 

Evidences attached with this complain ( XXXX ) including but not limited to the following : XXXX XXXXXXXX - BNY Mellon Bank correspondences with me. 
XXXX XXXX - XXXX XXXX correspondences with me XXXX XXXX-Third party tracking service-The neglected proper USD GPI route -Payment XXXX status XXXX XXXX - XXXX XXXX  statment-XXXXXXXX XXXX XXXXXXXX transaction invoice and XXXX sample
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Harley Davidson Financial Services Inc (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.