davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (NE)

American Express representative had been calling me from number XXXX. On XX/XX/2020, I received a call from wife 's caller ID. When I answered the call, it was the American Express representative. This is called spoofing and did not think this was allowed.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (SC)

On XXXX XXXXXX/XX/XXXX I received a bill pay check i sent to myself to access my funds and deposited into my new checking account on XXXX XXXXXX/XX/XXXX I received an email saying my {$14.00} rush processing fee was returned due to insufficient funds I have sufficient funds and on XXXX  XX/XX/XXXX my bank returned the check for insufficient funds this bank has denied me access to my money my consumer rights and at this point it would take less effort just to file a small claims case because obviously there is no other way to hold them accountable
Consumer complaint received 2022-11-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint involves XXXX, XXXX XXXX, and XXXX XXXX. 

I have held an XXXX credit card for several years, and historically it was associated with an account at XXXX XXXX. I had automatic payments set for that account and never had a late payment. 

In 2022 XXXX switched providers to XXXX XXXX. I do not recall receiving any notice of this change, and the first I heard of it was when I received an alert that my credit score had dropped by nearly XXXX points. This change was made before I received a new credit card showing any kind of XXXX XXXX logo, and the automatic payments that I had set up at XXXX XXXX  did not transfer to XXXX  XXXX. 

I brought the account up to current in early XXXX immediately after learning about the issue, and in XXXX I mailed a letter to XXXX XXXX describing the issue and requesting to have the late payments removed from my credit history. XXXX XXXX responded on XX/XX/XXXX that they were unable to do so. 

I am requesting to have the late payments removed from my credit history. The change between credit providers was made without any input on my part, and had it not taken place my automatic payments would have prevented the issue from occurring.
Consumer complaint received 2024-04-04
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: TD BANK US HOLDING COMPANY (VA)

Subject : Complaint Against Nordstrom 's Credit Card for Reporting Late Payments and Refusing to Remove Trade Line from Credit File Dear Federal Trade Commission, I am writing to file a formal complaint against Nordstrom 's Credit Card regarding their reporting of late payments on my credit file and their refusal to delete the trade line associated with my account, despite my objections and efforts to rectify the situation.

In [ date/month/year ], I discovered that Nordstrom 's Credit Card had inaccurately reported late payments on my credit file, negatively impacting my credit score and financial standing. Upon discovering this error, I promptly contacted Nordstrom 's Credit Card customer service to dispute the inaccuracies and request the removal of the late payment entries from my credit report.

Despite multiple attempts to resolve the issue, Nordstrom 's Credit Card has refused to delete the trade line associated with my account completely, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Furthermore, they have failed to compensate me for the time and effort I have expended in correcting this issue with credit bureaus and Nordstrom 's Credit Card managers.

I believe Nordstrom 's Credit Card 's actions constitute a violation of my rights under the FCRA and have caused me undue financial hardship and emotional distress. Their refusal to take appropriate action to remedy the situation further exacerbates the harm done to me as a consumer. 
I respectfully request that the Federal Trade Commission investigate this matter and take appropriate enforcement action against Nordstrom 's Credit Card for their non-compliance with the FCRA and their failure to provide adequate consumer protection. Additionally, I seek compensation for the time and resources I have expended in rectifying this issue. 
Thank you for your attention to this matter. I look forward to a prompt resolution and a fair outcome. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MO)

Hello I have problem with coinbase company about a XXXX  transaction. I tried to contact the company but they don't answer my email and they dont have a number to call. On the XXXX XXXX in my coinbase wallet I sent some XXXX XXXX  from coinbase wallet to my XXXX  Wallet in coinbase.com. the transaction was approved but the funds never arrived. They told me that I cant send swap different currency. So I gently asked them to reverse the transaction but they told that they cant and my money are lost. They value of these funds now is XXXX XXXX 
The transaction hash is XXXX.
Consumer complaint received 2020-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The companies are continuing to report inaccurate items on my credit repair company after I warned them once I sent my second warning off letting them know to stop illegally reporting the items im attaching my letters I sent to them containing all the information neccessary
Consumer complaint received 2020-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (TX)

I have disputed the information that Credit Protection Association has put on my credit reports numerous times. I do not understand why this collection is on my account when I never owed them money and settled the debt with XXXX directly in 2019. This account needs to be deleted from my credit report. I do not owe them money and I never have owed this company money. It is showing as paid and I never paid them any money on this collection, so obviously the account is showing gross inaccuracies.
Consumer complaint received 2018-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

We are in the middle of a short sale however the 2nd mortgage with SPS has assigned a foreclosure date on the property. The 1st mortgage is held by the City of XXXX and we are also in the middle of negotiating the sale with them. The offer has already been sent to SPS and was even accepted back in XX/XX/2017.
Consumer complaint received 2022-11-06
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: Spring Oaks Capital, LLC (TN)

RE : REFERENCE # XXXX In response to the Validation of Debt of Account # XXXX dated XXXX XXXX. 

Be advise that after a review of the documents that were sent it has been determined that Spring Oaks Capital LLC is in possession of my Non-Public Personal Information without my consent ( See Attached ). which violates ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ) Spring Oaks Capital LLC is a Non-Affiliated Third Party. 

Spring Oaks Capital is using false, deceptive, or misleading representation or means in connection with the collection of this alleged debt. ( 15 U.S. Code 1692e - False or misleading representations ) Spring Oaks Capital is using false representations and deceptive means to attempt to collect this alleged debt. ( 15 U.S. Code 1692e ( 10 ) ) which states " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' Spring Oaks Capital sent a copy Bill Of Sale with redacted information that document can not bee used as evidence of a debt. ( See Attached ) Furthermore, there is no competent evidence that I have a legal obligation of this alleged debt. Additionally, Spring Oaks Capital LLC has not provided the required documents to prove that Spring Oaks Capital has the LEGAL right to collect and furnish this alleged debt. 

In the Validation letter that was sent to Spring Oaks Capital LLC the response was missing answers and/or documents to prove this allegation. The following questions and or requested documents were not answered or provided per my Validation Request ( See Attached ) 1. ALL required disclosures pursuant to 12 CFR Part 1006.42 3. Signed agreement Debtor has made with SPRING OAKS CAPITAL LLC or other verifiable proof Debtor has a contractual obligation to pay SPRING OAKS CAPITAL LLC. Any agreement that bears the signature of Debtor, wherein agreed to pay SPRING OAKS CAPITAL LLC. 
7. Please provide the name and address of the bonding agent for SPRING OAKS CAPITAL LLC in case legal action becomes necessary : Authorized Signature of Creditor : ______________________ In my Validation letter you were put on notice that your Claim WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents pursuant to the Fair Debt Collection Act 12 CFR Part 1006.34 Your office has failed to properly respond to a validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report, and a copy of such deletion request shall be sent to me immediately. 

Regards, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX complaint XXXX. Written response from lender.. Dear Applicant : Thank you for your recent application. Your request for consumer credit was carefully considered, and we regret that we are unable to approve your application at this time, for the following reason ( s ) : Unable to verify identity Your Right to Get Your Consumer Report In evaluating your application the consumer reporting agencies listed below provided us with information that in whole or in part influenced our decision. The consumer reporting agencies played no part in our decision and are unable to supply specific reasons why we have denied credit to you. What it all boiled down to was this... .everything and I mean everything already passed underwriting! You may not get that now but that is the facts.
Consumer complaint received 2022-11-06
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: EQUIFAX, INC. (VA)

On XX/XX/22 I requested that EQUIFAX complete an investigation in regards to a charge in the amount of {$3800.00} for XXXX XXXX on my credit report requesting that it be deleted. I provided a letter, pictures and emails about an apartment I had rented from XXXX XXXX that showed a severe rat infestation. EQUIFAX completed their investigation on XX/XX/22 and refuses to delete the incorrect information from my credit bureau. However I submitted the same request to XXXX they also investigated and removed the amount {$3800.00} from my credit bureau. I dont believe EQUIFAX investigated the issue at all. I am requesting since XXXX removed it that it also be removed from EQUIFAX. I have attached a copy of the completed XXXX investigation verifying that the XXXX XXXX collection has been deleted from my credit report.
Consumer complaint received 2020-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Contact by Portfolio recovery regarding a account via XXXX XXXX. Requested original information to validate debt and document claim, non has been received. 

Portfolio recovery than engaged " XXXX XXXX '' to settle this claim. Written and verbal communication to XXXX has gone unanswered. 

I also requested said reporting to credit Bureaus be removed until which time this can either be validated or resolved without answer.
Consumer complaint received 2020-09-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Original creditor : XXXX Balance updated XX/XX/XXXX XXXX XXXX AUTO FINAN {$16000.00} Closed 10 charge-offs XXXX XXXX XXXX {$9000.00} Closed 26 charge-off XXXX XXXX Original creditor : XXXX {$770.00} Balance updated XX/XX/XXXX XXXX   XXXX XXXX ORIGINAL CREDITOR XXXX XXXX   {$350.00} BALANCE UPDATED XX/XX/XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX  {$350.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2022-11-06
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This complaint involves XXXX, XXXX XXXXXXXX, and Capital One. 

I have held an XXXX credit card for several years, and historically it was associated with an account at XXXX XXXX. I had automatic payments set for that account and never had a late payment. 

In 2022 XXXX switched providers to Capital One. I do not recall receiving any notice of this change, and the first I heard of it was when I received an alert that my credit score had dropped by nearly XXXX points. This change was made before I received a new credit card showing any kind of Capital One logo, and the automatic payments that I had set up at XXXX XXXX did not transfer to Capital One. 

I brought the account up to current in early XXXX immediately after learning about the issue, and in XXXX I mailed a letter to Capital One describing the issue and requesting to have the late payments removed from my credit history. Capital One responded on XX/XX/XXXX that they were unable to do so. 

I am requesting to have the late payments removed from my credit history. The change between credit providers was made without any input on my part, and had it not taken place my automatic payments would have prevented the issue from occurring.
Consumer complaint received 2022-11-06
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: EQUIFAX, INC. (AR)

In accordance with the fair credit act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX 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 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, Has Violated My Rights. 
15 u.s.c. 1681 section 602A states I have the right to privacy.

15 u.s.c. 1681 section 604 a section 2 : it also states that a consumer reporting agency can not furrnish a account without my written instruction.

15 U.S.C. 1681c. ( A ) ( 5 ) section 5 no consumer reporting agency may not make any consumer report containing any of the follwing items of information.any other adverse item of information other then records of convictions of crimes which adtedates the report by more then 7 years.

15 u.s.c. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer related agency if the person knows or has reasonable cause to believe that the information is incorrect.
Consumer complaint received 2024-04-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (IL)

For almost 3 years, Shellpoint mortgage has been trying to foreclose on my home without cause. They do not post payments to my account, raise the cost of the monthly payment without notice and then they cash my checks and again, do not post the payment. I received a notice that I have until XX/XX/XXXX to pay what is due, they claim that I have not paid since XX/XX/2023, however I have cashed checks from my XXXX  XXXX account stating that they have cashed them on time every month. They have just refused to apply this to my account. This is the 3rd or 4th time that they raise our rate and then refuse to notify me about it & then claim that it is past due while they have no problem taking my money. I have just submitted a check in the amount of {$300.00} which is the monthly difference between my old cost of {$1600.00} and the new cost of {$1700.00}. I will be finding a lawyer immediately to stop this once and for all. I am a XXXX, just trying to hold onto my home in a poor economy and they just want to steal from our family and cause headache after headache. Enough is enough from this company! XXXX payment has been mailed as well for the full amount and the unknown shortage was sent as well. Tracking for that payment is XXXX XXXX XXXX XXXX XXXX XXXX with USPS XXXX to their overnight facility and is attached in the documents, along with the cashed checks from Shellpoint from my XXXX XXXX Account.
Consumer complaint received 2022-11-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my JP MORGAN CHASE BANK account to fraudulent investment firm ( s ).
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In the last several days on my Transunion report I have had 3 accounts removed because they were fraudulent collection accounts. My score has dropped over 50 points because they took off false information. That is not how things work.
Consumer complaint received 2020-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

Hello on XXXX of XXXX I opened a XXXXhase Checking & Savings account and was approved. I made a change on my wage to be directly deposited to Chase and also transferred $ XXXX of amount from my XXXX account to Chase. However on the XXXX I tried to access their mobile application and I got a note saying that I had suspicious activity on my account and hence needed to reach out Chase. I just learnt this by accident checking the app otherwise I have not noticed it. I gave them a call and they told me that my accounts were closed. I really do not understand how an account could be approved at the first place and you complete transactions and after 2-3 days later they are closing it. If the accounts were not going to be opened in the first place it should have stated that they need more time to review. I am getting approved and all of a sudden the accounts are closed without no call from the bank. I also sent $ XXXX from my other account to these accounts however I am not sure where this money also went to. I am not getting a clear answer from Chase ... this is really unacceptable customer service. I also have a credit card and a car loan balance with them. I have not missed a single payment in my life and my credit score is ~750. Now I am being flagged as doing a suspicious activity. I truly do not understand what I have done wrong. If having multiple credit cards are suspicious activity I think everybody is doing it. I have to now re speak with my payroll department to re initiate my wages to my old bank. Also I am not sure how I am going to be getting the $ XXXX back. If I needed the money urgently what would have happened. This is the first time I am experiencing something like this and I am in total shock.
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (PA)

Hello and thank you for reviewing the complaint. After reviewing my credit profile an unfamiliar account from Sunrise credit services was placed on credit profile. Requesting to exercise my rights according to FCRA guidelines, to verify the signature and validate the contract.