davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (CA)

Roundpoint mortgage has violated several mortgage lending laws, has defrauded me on multiple occasions and continues to do so. They have ruined my credit preventing me, a real estate investor by trade, from obtaining mortgage financing for my current projects. For the first time in over 40 years I have been denied credit because of Roundpoints mis-reporting. Roundpoint needs to be held accountable for their malicious, illegal and fraudulent behavior. If Roundpoint has done this to me a mortgage professional, how many other people have they done this to? I believe an audit of Roundpoint 's business practices will reveal rampant fraud within their origination. Roundpoint mortgage is in violation of mortgage collection laws regarding threatening and abusive phone calls. 

Roundpoint failed to properly notify me they had purchased my mortgage loan in XXXX of 2023. As evidenced by their own correspondence dated XX/XX/2023 they are in violation of proper notification laws. A company can not notify you XX/XX/XXXX for a XX/XX/XXXX payment due date and then charge you late fees when they do not receive the payment ; that is fraud. Attached are my canceled checks from XXXX XXXX, my previous lender. XXXX XXXX clearly date stamped the checks XX/XX/2023. Roundpoint is in violation of mortgage loan collection laws by attempting to strong-arm me into paying late fees when I payed my mortgage payments on time. 

Attached also are my XXXX payments to Roundpoint which were clearly made on time. Roundpoint is defrauding my by refusing to give me interest credit for principal I paid over 4 months ago. Roundpoint has been holding over {$6000.00} of my money for over 4 months now and refusing to return it or apply it to my mortgages. Roundpoint needs to properly apply my mortgage payments and back date the principal reduction payments and credit me the extra interest they have been charging me on the scheduled and additional principal I have been paying for nearly a half a year. 

As this is the XXXX complaint I have filed with the CFPB regarding this problem I have also submitted copies of this and all prior complaints to both the State of California and the State of North Carolina, State Attorney 's Office. I am requesting investigations for trust fund account mishandling, conversion and gross fraud.
Consumer complaint received 2018-12-13
Product: Credit card or prepaid 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: CITIBANK, N.A. (WI)

On XX/XX/18, I purchased over $ 10k worth of cosmetics from a business on the XXXX XXXX XXXX. I wound up returning the items, even though the receipt said all sales are final. Someone with XXXX XXXX XXXX accepted one of my packages. The other package was refused by both myself and XXXX XXXX XXXX, and this package wound up just sitting at a XXXX XXXX hub for disputed packages. I have no way to find out if this package was ever eventually returned to XXXX XXXX, because I had refused this package at my residence, and I had no tracking number, not to mention I didn't have XXXX XXXXXXXX XXXX 's XXXX XXXX account number, for obvious reasons. 

So basically, I'm paying Citibank for over $ 10k worth of cosmetics that I have never had. So besides THAT, Citibank continues to charge me fees for this whole purchase. Additionally, on approximately 3 occasions since XX/XX/18, Citibank has sent me letters in the mail or emails saying that my dispute was resolved, leading me to obviously believe this. 

Besides continuing to pay for goods I have never had, my credit score has been lowered over 150 points as a result. I continue to attempt to pay down my credit card bill, so it won't be affected even moreso.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX account # XXXX is in violation of 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. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within 30 days
Consumer complaint received 2023-12-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I applied to JPMorgan Chase Bank for a refund ( chargeback ) I asked for my money back in the amount of {$4900.00}. The money was transferred by me for investment in shares and was not returned at my request due to failure to provide the service. 
On XX/XX/2023 I transferred {$4900.00} from my debit account XXXX JPMorgan Chase Bank using the bank details provided to me by the broker. At this time, access to my funds is closed, my account is blocked. The withdrawal of my funds back to my bank account is blocked. The site does not respond to my repeated requests. All contacts with the company are completely disconnected from me ( telephone communications, communication via XXXX, email, access to the website ) .I am sure that my funds were stolen fraudulently according to a pre-prepared scheme. We do not intend to return the money voluntarily. 
As evidence, I recorded them through screenshots during correspondence. Email correspondence regarding refunds and requests to the site have been saved. 
From all of the above I can prove : XXXX ) The obligations to provide me with services in accordance with the terms were violated. 
XXXX ) Failure to fulfill obligations XXXX ) I independently tried to resolve the dispute through negotiations, but the holder of my funds opposed these attempts, rejected requests, and did not respond to messages.6 months later, on XX/XX/2023, XXXX XXXX called me from XXXX XXXX XXXX. He introduced himself as an employee of the US Federal Trade Commission. He said that my money is in account No. XXXX XXXX and to return them you need to transfer {$200.00}. Until this time, the account will be blocked.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a credit card with Suntrust bank probably XXXX or 11 years ago. I never had XXXX late payment with Suntrust in all of those years. I paid the card off and quit using and actually asked Suntrust to close the account. In XXXX of 2020 I lost my job with my employer of XXXX years and moved to Florida XXXX Sometime during that transition Truist acquired Suntrust and sent me a Truist credit card. The card never made it to me as they put the incorrect address on the card. When they opened that account apparently they charge a yearly fee for the card, and sent me a bill to the wrong address again. They did not have a working phone number or email address for me. I confirmed that with Truist. The email and phone number on file with Suntrust was my old company phone and email of which I no longer had. 

In XXXX of this year I got hit with a 30 days past notificiation and my XXXX XXXX took a nose dive from nearly XXXX to XXXX. The total owed to them was {$110.00}. I had no idea that this account had been opened, and considering I had never been late for a Suntrust payment - had I known I would have cancelled the card after paying that balance. I pride myself in on time payments and was en route to getting my XXXX XXXX to an XXXX. 

When I spoke to Truist and explaned that I had never been notified via email, telephone, or snail mail they did let me know that they did have my wrong email, phone number and incorrect address of which they said several pieces of mail had been returned to them undeliverable. They said there was nothing they could do to correct this. i went ahead and immediately paid off the bill and am looking to you guys for assistance. 

It is my understanding that this happends often when banks are acquired. Please give me a call if you have additional questions. My cell number is XXXX Sincerely, XXXX XXXX
Consumer complaint received 2023-10-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I deposited my check from an an account closure check I received from XXXX after contacting the Consumer finance protection Bureau to my capital one savings account and a few days after i received money back from a reversal from when I got hacked. They froze my account and told me to call them. I asked them to verify my funds and they told me theyre closing my account and that they will issue my balance basically whenever they feel like it. This feels like abuse now. Something does not feel right and Im going to find out. This feels extremely discriminatory especially with who I was speaking to on the phone. Now I have to wait for my money another month because of this
Consumer complaint received 2021-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (GA)

My virtual currency account is locked on the Coinbase.com platform. When I submit an ID I am told " unable to verify identity '' on their website. Have been trying to get the company to resolve this issue for over a month now with no luck using their " customer support '' email address, which is their only way to resolve customer support issues. My funds are now being held and I am unable to access them, or withdraw funds.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (FL)

After filing one complaint they proceeded to tell me they couldn't verify me which would take a7 day turnaround affidavit I had to get notarized.I did and I I did so at the ups store with a tracking number and over nighted it.So when I confirm XXXX signed for it on the ups tracking sight I called and let the employee lie and then confronted them, then they dispatched me to Someone who said oh yea it just hasn't been uploaded an it would take 7 days to process before I have access to MY VA XXXX CHECKS.Even after I explained all this to this woman there was no empathy.I served from XXXX to XXXX 4 months in XXXX and year in XXXX while I was XXXX an XXXX yrs old.i just got benefits 4 months ago now there trying to take them.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the LISTED ACCOUNT which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$11000.00}.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX credit bureaus was XX/XX/2023, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX, XXXX. XXXX
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (AL)

I recently checked my credit score and found some damaging items listed on my report. The following accounts are not mine and I did not authorize these to be on my report. Please investigate and removed them immediately : Previous Address ( es ) : XXXX XXXX XXXX XXXX, AL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX AL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Inquiry XXXX XXXX XXXXXX/XX/XXXX Inquiry : XXXX XX/XX/XXXX Inquiry : XXXX XX/XX/XXXX Inquiry : XXXX XXXX Inquiry : XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXXXX/XX/XXXX Inquiry : XXXX XXXX
Consumer complaint received 2023-10-12
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)

I have found inaccuracies that should be immediately investigated. There are inaccurate late payment markings that show on my credit report I am requesting to be updated to reflect my accurate payment history. I need these accounts to be corrected ASAP. Thank you. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-12
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. (MI)

There are collections on my credit report that were 1000 % not done by me. So here is the order I followed. 

1. I obtained my credit report from annualcreditreport.com. Once I identified fraudulent items I sent letters over 35 days ago certified to all of the collection agencies to remove them.

2. When I got no response by doing that I submitted a case to https : //www.identitytheft.gov/ and provided the case number with my previous cfpb submissions as well as screenshots of the fraud on my report. 

ID FOR COMPLAINT SENT TO XXXX CREDIT BUREAU XXXX ID FOR COMPLAINT SENT TO TRANSUNION CREDIT REPORTING AGENCY XXXX ID FOR COMPLAINT SENT TO XXXX CREDIT BUREAU XXXX I also called all 3 credit agencies directly to get no where. 

To this day close to 40 days later and the fraud items have not been removed!!! 
Federal law for consumer protection as well as timelines have not been followed.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

When I investigated my credit report, I realized that some of the information was erroneous. The credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

ive been having issues with this particular account for some month now and it does not belong to me and needs to be removed asap. I did not have a student loan with them, i already have a student loan with another company so its wrong. perr 15 usc 1681b this is illegal and you all must remove asap! this is caused by identity theft/fraud
Consumer complaint received 2023-10-31
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. (CA)

My identity was stolen and I ended up with an excessive amount of inquiries on my credit report, some duplicates where I never applied for credit from any of these companies, nor did these companies have my permission to run my credit.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Experian is reporting 5 accounts to my credit report and they were opened without my knowledge or consent. I filed an identity theft report and verified my identity and they still do not remove the accounts. They're breaking the law by reporting inaccurate information to my report.
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: GOLDMAN SACHS BANK USA (CA)

XX/XX/23 - XXXX XXXX transaction totaling {$28.00} of rewards credit not deposited XX/XX/23 - over an hour on hold and Apple and XXXX XXXX states its the other entitys fault/issue!
Consumer complaint received 2023-01-09
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. (NJ)

In accordance with the fair credit reporting act convergent XXXX  XXXX XXXX. Act # 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
Consumer complaint received 2023-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I uploaded and mailed an Identity Theft report along with a personal handwritten letter pertaining to my complaint pursuant 15 USC 1681 C-2 ( Identity Theft/ Block ) with all required prerequisites for blocking. XXXX claims they did not receive an upload even though the system upload was successful. Several accounts were listed as fraud and XXXX addresses as well as XXXX different social security numbers. This is nothing more than a refusal to comply and a stall tactic. Therefore, I am requesting all accounts identified as fraud related be blocked immediately according to federal law. Trans Union rejected the process to initiate a claim with documentation being received. They stated the information was not sent by me, even with personal handwritten letters. XXXX has extorted all documentation that was included with my packet, including my personal identification such as Social Security Card and Drivers License.