davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

on XX/XX/year> I went into the branch to withdrew {$3000.00} from my personal account - however the bank teller wrote the withdrawal slip with my name on it but used the business account i was a signature on at the time. 
The bank actually linked my accounts without my permission account to the business account- and I believe this is where the error occurred. 
Every withdrawal form I have ever had completed has always had the business name on it - and I have proof of that, however this one had my personal name on it - and as I don.t have a card with my account number on it - I assumed the teller had completed it correctly. 
The bank has investigated it and said this is my responsibility to check - check against what? the name was correct and I didn't have anything with my account number on.
Consumer complaint received 2018-03-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Dear Nationstar c/o Office of the Comptroller of Currency Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX  ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount. 
.. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX
Consumer complaint received 2024-05-19
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC (AZ)

Company Name : Credit Control LLC Company Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Product : Debt Collection Complaint Narrative : I am filing a complaint against Credit Control LLC for violating the Fair Debt Collection Practices Act ( FDCPA ).

Specifically, Credit Control LLC has engaged in the following unfair debt collection practices : Failure to Provide Validation Information : In violation of 12 CFR 1006.34 ( b ) ( 5 ), Credit Control LLC placed a collection account on my credit report without providing me with the required validation information. This information is necessary for me to verify the debt and dispute it if necessary.

Denial of Opportunity to Dispute : I have not been given a fair chance to dispute the debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ). By not providing validation information, Credit Control LLC has prevented me from exercising my legal rights.

False, Misleading, or Deceptive Means : The collection practices employed by Credit Control LLC violate my consumer rights by using false, misleading, misrepresentation, and deceptive means. This is a violation of the FDCPA. 
Furnishing False Information to Credit Reporting Agencies : Credit Control LLC has furnished an account to a consumer reporting agency without providing the required disclosures by law. This is a violation of 12 CFR 1006.34 ( d ) and 15 USC 1692e ( 8 ). 

Desired Outcome : I request that the CFPB investigate these violations and take appropriate action against Credit Control LLC. This may include requiring them to : Remove the inaccurate collection account from my credit report.

Provide me with the proper validation information for the debt. 
Cease all communication regarding this debt until they comply with the FDCPA. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Possible Financial Inc (OH)

I AM DISPUTING ACCOUNT XXXX FROM WHOEVER. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all 3rd parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (OH)

I AM DISPUTING ACCOUNT XXXX FROM WHOEVER. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all 3rd parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.
Consumer complaint received 2024-01-01
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. (IL)

In XXXX of 2017 My wallet was lost that included my drivers license, social security caard, and other forms of identificaiton outside of my house and since then there have been severalfraudulent account opened in my name student loans, utilitiy bills, car loans, credit cards, home leases, and Idont know what elese. I have fi led a police report as well. I would like for all of these items to be deleted frommy credit profile.

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of inaccurate information from my credit report. Upon reviewing my credit report, I discovered several discrepancies, including incorrect names and addresses. 

Incorrect Name : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a victim of identity theft in the past, I am deeply concerned about the presence of these inaccuracies on my credit report. I affirm that the name " XXXX XXXX XXXX '' and the addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

I am requesting that XXXX conduct a thorough investigation into these discrepancies and promptly remove the incorrect name and addresses from my credit report. These inaccuracies not only compromise the integrity of my credit profile but also have the potential to adversely impact my financial standing. 

Enclosed with this letter are copies of documents verifying my identity and current address, including a government-issued ID and a recent utility bill. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure the accuracy and completeness of the information contained in my credit report. Therefore, I kindly request that XXXX take immediate action to rectify these errors. 

Please provide written confirmation once the incorrect information has been rectified and removed from my credit report. 

Thank you for your prompt attention to this matter. I anticipate a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill
Consumer complaint received 2023-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (TX)

My wife and I who are XXXX XXXX XXXX XXXX  and XXXX  XXXX  were scammed viciously by a Truist Bank customer. And, Truist Bank System did not protect this from happening! Now they say that our case is closed. We dont want This case closed. We want it current or reopen! 
Thank You Very Much XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-05-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

My name is XXXX XXXX this is in regards to an account originally with XXXX that portfolio recovery owns at first woman on the phone threatened about a lawyer, looking at it not exactly acting as a lawyer, but mentioning XXXX as a threat so I reached out to higher management simply asked for validation /Closing disclosure that the woman on the phone said it was too late for and we were past that today I receive An envelope which seems to be my account statements and validation letters number XXXX on the bill of sale. It has sale amount and principal and fees the add up to XXXX on a sale file I have XXXX numbers that only add up to XXXX and some change thats first of all the biggest deal I see is the goodbye letter or the disclosure that I asked for because I said XXXX never sent me one has the wrong address on it meaning I lived at another address in 2022. Theyre claiming that they sent me an original letter, they clearly wrote themselves and made the mistake of putting my new address here in 2022 so they doctored up is total fraud and it all came in the same package actually even some of the old statements have my new address on it, which just means they also made those arent the original statements? Its complete fraud. I wanted to let other people know before this happens to someone else.
Consumer complaint received 2024-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: NEW YORK COMMUNITY BANCORP INC (CA)

On XX/XX/2024, I sent an email to Flagstar Bank, my loan servicer, to remove private mortgage insurance on my loan number XXXX for my property located in California. On XX/XX/XXXX, Flagstar responded with a letter indicating that I needed to order a property valuation ( appraisal ) at a cost of {$550.00}. 

On XX/XX/XXXX, I responded by email asking Flagstar to identify why a broker price opinion ( " XXXX '' ) was not available as an option prior to the appraisal. XXXX XXXX XXXX XXXX XXXX XXXX requires that the Servicer " verify the current value by a new XXXX ordered and obtained through XXXX, unless applicable law requires that an appraisal be used ... '' On or about XX/XX/XXXX, Flagstar responded with the same letter Flagstar sent me on XX/XX/XXXX, indicating that I needed to order a property valuation ( appraisal ) at a cost of {$550.00}. Flagstar did not respond to my request to identify the applicable law that required an appraisal be used. 

On XX/XX/XXXX, I responded by email again, reiterating my request that Flagstar identify why a BPO is not available for a property valuation, and if not, what applicable law Flagstar is using to base this on. 

On XX/XX/XXXX, having not received any further response from Flagstar to my XX/XX/XXXX correspondence, I emailed Flagstar reiterating my request : for Flagstar to identify why a BPO is not available for a property valuation, and if not, to identify what applicable law Flagstar is using to base this on. Shortly after my last email on XX/XX/XXXX, Flagstar called me and advised that they would look into my request. 

On XX/XX/XXXX, I called Flagstar to inquire on the status of my request and spoke with XXXX ( spelling? ), a supervisor from Flagstar 's PMI department. XXXX advised that she was not aware of the applicable law that Flagstar is relying on to deny my request for a BPO. XXXX advised that I should contact XXXX XXXX, the investor of my loan with further questions and that Flagstar did not have the answer. 

The same day, I called XXXX XXXX at XXXX XXXX to understand why a BPO is not available for a property valuation, and if not, to identify what applicable law Flagstar is using to base this on. XXXX XXXX advised that they do not know of a requirement for why BPOs can not be used in California. XXXX XXXX also advised that the servicer ( Flagstar ) is the interpreter of the guide. XXXX XXXX opened a case with Flagstar to better understand why Flagstar is denying the XXXX as a property valuation. The XXXX XXXX XXXX XXXX is XXXX. 

As of XX/XX/XXXX, I have not received a responsive answer to my request.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

PLEASE REMOVE ALL THE FOLLWING UNAUTHORIZED FRADULENT INQUIRIES FROM MY ACCOUNT - 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 IAM A VICTIM OF IDENTITY THEFT PLEASE REMOVE ALL OF THE UNAUTHORIZED FRADULENT. I have filed a police report
Consumer complaint received 2024-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am writing to file a formal complaint against Portfolio Recovery Associates due to their handling of a debt collection matter, which I believe has led to several violations of my rights under federal regulations. Specifically, I allege the following infractions : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Portfolio Recovery Associates did not provide the requisite validation information for the debt they claim I owe. Despite my repeated requests, they have failed to supply the necessary details, such as the amount owed, the original creditor, and pertinent account numbers. 
2. Denial of Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : Portfolio Recovery Associates neglected to inform me of my right to dispute the debt within the mandated time frame. They did not adequately communicate my rights to contest the validity of the debt or to request verification, thereby obstructing my ability to exercise these rights.

3. Use of False, Misleading, and Deceptive Means : Portfolio Recovery Associates has employed deceptive practices in their attempts to collect the alleged debt. They have provided incorrect information about the debt and have used coercive tactics to pressure me into making payments without proper validation.

4. Improper Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ) : Portfolio Recovery Associates has reported inaccurate and unverified information regarding this debt to consumer reporting agencies. This action has adversely affected my credit score and my ability to secure credit, despite the debt being neither validated nor properly substantiated. 

This debt is said to be opened in XXXX information is reported differently between all 3 credit bureaus. They are still not correcting their ways despite being sued. CFPB cracks down on Portfolio Recovery Associates with {$24.00} XXXX judgment By XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX POSTED IN CFPB, DEBT COLLECTION, REGULATORY AND ENFORCEMENT On XX/XX/XXXX, the CFPB filed a complaint and proposed judgment against Portfolio Recovery Associates , LLC ( PRA ), one of the largest debt collectors in the United States. If entered by the court, the proposed judgment would require PRA to pay {$12.00} XXXX to allegedly harmed consumers and {$12.00} XXXX to the CFPB as a civil penalty.
Consumer complaint received 2023-12-14
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. (NM)

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

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : 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 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.
Consumer complaint received 2024-05-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (CA)

On XX/XX/XXXX, I made a purchase from XXXX using Affirm 's service, for a XXXX XXXX XXXX XXXX XXXX. On the shipping page I verified my billing and shipping addresses were correct, and finished processing the order. 

On XX/XX/XXXX, the item shipped. Once I had time to check the notification, I noticed it had shipped to wrong person half way across the country. 

I contacted XXXX support via phone and notified them of the error. I was told that I had to wait until after the item was delivered to make a claim. It was delivered to the incorrect address on XX/XX/XXXX. I immediately called XXXX to try and get a refund or the item shipped to the correct address. 

They referred me to the seller, XXXX XXXX, and opened a ticket with them on my behalf. I did not receive a response from XXXX XXXX until XX/XX/XXXX, stating that XXXX should open a dispute with XXXX. When responding to the ticket, I received a response telling me that I was not authorized to reply. 

I contacted XXXX via phone to relay that information. I was told they would not dispute with XXXX and I needed to contact Affirm to get the loan canceled. It took XXXX phone calls and manually opening a dispute to get them to talk to me on XX/XX/XXXX. 

I was asked to provide supporting evidence of me not receiving the item. I provided all information that was asked for, however I could provide no chat logs from XXXX being all communication was over the phone. Each time Affirm responded to me, the ticket was closed and I had to reach out via phone to get them to reopen the ticket. 

As of today, XX/XX/XXXX, Affirm has denied my claim, XXXX refuses to refund/reship, and I do not have the product that I ordered.