davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC (CO)

I have been emailing and calling the mortgage company since XXXX for the removal of my PMI. I followed all of the steps called out by the company including filling out their required form and submitting a list of improvements with dates, amounts, and what work was completed. In XXXX, after submitting all of the forms, I received a letter stating that they were closing my request without saying anything else to me. I then called the company to inquire on why, and on that call they stated that it was because I didn't submit the required information ( even though I did ). I was then informed that the only thing I can do is to start over the request by resending in all of the forms again. I asked for the process to be expedited since they closed my request without reaching out or my consent and they agreed. But when I resubmitted the forms to the email I was given, and was told I would receive a response within three business days, I still hadn't heard back for over two weeks. I then called the company again to figure out why I am not hearing back and was put on hold for over an hour waiting to speak to someone to expedite the request. I was then told they had all of the papers and someone would review and call me back within five to seven business days instead of being able to speak to someone at that time. I insisted that I wanted to speak to someone at that time and was then again put on hold for over an hour. 
I has now been three months of requesting the PMI to be removed from my mortgage and I have done everything by their standards and requests and I am still not getting anything back from them. This feels like a forced way to ensure I keep paying the PMI every month they drag their feet, close out my requests for untrue reasons, and keep me in a run around for months. I just want this request completed as they are required by law to do and have the matter closed.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00}
Consumer complaint received 2022-07-27
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. (WI)

The credit bureau stated my account was properly investigated, unfortunately that is inaccurate. Many inconsistencies regarding matching data information. They also violated my rights. 15 USC 1681 section 602 A. States that I have the right to privacy. 
15 USC 1681 604 A section 2 States that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Social Finance, Inc. (GA)

On XX/XX/XXXX, I sent a letter to XXXX to dispute an account no longer owned by the company who is reporting the account incorrectly. The company XXXX XXXX no longer has the account and I have proof that the account has been sold to another company and I am in contact with that company to verify the debt. Both XXXX and XXXX have deleted this collection since it wasn't verifiable but XXXX has continued to show the date as " UPDATED '' and " VERIFIED. 

I have disputed, requested their method of verification and XXXX continues to report this account as verified.
Consumer complaint received 2018-05-24
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: BTH Management (CA)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have made a report with the FTC identify theft. Enclosed is a copy of the report. XXXX XXXX, Originated from XXXX XXXX XXXX Amount of {$3500.00} Please block this information from my credit report, pursuant to section 605B of  the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I have filed a FTC identify theft report enclose in my complaint. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I received an email from Chase Bank reporting a possible fraud with a link to secure account and dispute it. I clicked on link and filled out the required fields to verify account. After completing everything, I called customer service and records do not show the supposed transaction from this card. I then started getting text notifications from Chase about verifying the code to sign in account which I had already done and signed out. I truly believe I filled out a fraud chase account with my basic information and now somebody was trying to get in the account.
Consumer complaint received 2018-11-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc. (NC)

I opened CFPB case XXXX where Optimum Outcomes took longer than 30 days and did not provide adequate information to verify the debt. I didn't receive an original bill that would prove the debt ( with information such as the company logo, company address, description of services performed, cost of each service, etc ). This took longer than 30 days and is now past 60 days, and they have not provided any bill or anything that provides real evidence of this debt.
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (DC)

This complaint is in reference to the XXXX XXXX  entry Account Number:XXXX entry listed both on my XXXX and XXXX   credit reports. I have contacted XXXX XXXX  several times viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or an itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims action. 
In the abscence of any such documentation I formally request that this information be immediately deleted from my credit file.
Consumer complaint received 2018-11-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO. (CA)

RE : CHASE AUTO XXXX Dear Consumer Financial Protection Bureau , The reason I write to you today, is because I have an auto account that is reporting me late, even though the account has been paid for years. 

Please find the below screen shot that is was provided to me by Chase. You will see, that from XX/XX/XXXX to XX/XX/XXXX there were no fees. Then, in XXXX, XXXX, a fee is assessed resulting in the consequent late payments below. 




Additionally, please note, that Chase is indicating to the bureaus that the payment status is 'late 90 days ' while in fact, the account is paid off with no balance showing. 


My credit has suffered because of their error and I would request that Chase remove this account entirely from my credit report, as recompense for their error, which has caused me to pay higher interest rates since this error was reported almost two years ago. 


Many Thanks, XXXX XXXX XXXX
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Listed are 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 and antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IN)

They call me from several different phone numbers but it is the same company. They call about every two hours during XXXX-XXXX. As soon as I put a block on one they call me from another phone number. I have asked for them to stop calling me as I work XXXX and every time they call they wake me up. On the calls that I disregard there is no message left on the voicemail.
Consumer complaint received 2024-03-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (NC)

XX/XX/2023 my Robinhood account was restricted and they refused to tell me why. I had a total balance of {$350.00} and they closed it with the money inside of my account even though when they sent me the initial email informing me that my account was restricted they told me they would let me transfer my funds. They never did. They kept my money. For months ( XXXX XXXX XXXX ) I kept reaching out to them months after and they never helped me
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CT)

In XX/XX/2020, I received a promotional email from Barclays XXXX Mastercard. It said that if I spent {$2700.00} or more on my card for each of the months of XXXX, XXXX, XXXX, I would receive a bonus of XXXX XXXX frequent flyer points within 2 months. I complied with the terms and spent in excess of the required {$2700.00} each of those 3 months. I have still not received the bonus miles in my XXXX account. I have called Barclays many times and spoken to " resolution managers '' and I have a resolution case number # XXXX. They have all confirmed I spent the required amount of money and should get the bonus. One manager claims it was issued on my statement ending XX/XX/2020. I do not see the bonus on that statement, nor does XXXX. I have also called XXXX and they say that Barclay has not sent them these miles to add to my account. They looked and do not see the miles sent/added either.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (WA)

Please contacting me through email. Thank you! 
On XXXXXXXX XXXX, I opened a saving account on Marcus by Goldman Sachs. 
After that, I graduated from university, so my personal information were changed, including the address and phone number. 
This year, it was already one year and I need to get my money and interests back. So on XX/XX/XXXX, I called Marcus by Goldman Sachs, I gave them all my information, including my ssn, date of birth, and my secret word, and asked them if they could first change my phone number and address. They told me they needed to raise a case for the review team to look at this and asked me to call back after 3-5 business days. On XX/XX/XXXX, I called back and they told me the same. Then on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I called back and only received the same feedbacks, they needs review team to review, call them later. On XX/XX/XXXX, which is today, I called back and asked if they helped me change the information. However, what they told me was that they closed my account without my permission and did not tell me where my was transfer to. My only request all the time was changing my phone number, but they just kept let me waiting and suddenly they closed my account without informing me or helping me change the number. 
I guarantee that everything I say is true, as evidenced by phone recordings, and I have always emphasized that no matter what information they need, I can provide it, including my ID. But without any communication with me or my permission, they closed my account at will and emptied my deposits. They did not ask me where the deposits needed to be transferred, and they refused to tell me where they had transferred the deposits. In my eyes, this is no different than outright stealing. Therefore, I can only turn to your side. These savings are the money I saved little by little when I was in XXXX, hoping to pay for my own XXXX XXXX. I hope to punish unscrupulous bank. I prefer contacting me by my email address. Thank you so much!
Consumer complaint received 2022-07-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gurstel Law Firm, P.C. (CA)

++++++++++++++ ATTENSION XXXX XXXX++++++++++++++ XX/XX/2022 around XXXX I called a phone number In response to a letter I received by mail from Gustel Law Firm PC a third party debt collector who is a debt collector. Under the fair debt collection practices act, this is a violation of my consumer rights because pursuant to 15 USC 1692C I never gave prior consent to Gustel Law Firm PC to communicate with me by mail or phone. This is the first of many violations. Gustel Law Firm PC are attempting to collect a Alleged debt from three XXXX XXXX accounts, I have done business with XXXX XXXX in the past but I have never done any business with Gustel Law Firm PC, I do not have a contract with Gustel Law Firm PC. Security based swapping has taken place here between two corporations, this is very illegal pursuant to 15 USC 77q. I was connected to phone Rep XXXX XXXX. I asked if this was a actual law firm? She said yes I asked if attorneys were at this law firm she said yes XXXX also said an attorney has been assigned to my profile by the name of XXXX XXXX. This is violation pursuant 15 USC 1692e No attorney is to be present while attempting to collect a debt. This is very misleading. I asked XXXX if I was to write a check or make a payment who do I write the check to? XXXX says to write it to her law firm. Write the check to her law firm but shes collecting the alleged debt for XXXX XXXX? This is very misleading again. XXXX grew frustrated with my questions and begin to use Profane language towards me by raising her voice, this is a violation pursuant 15 USC 1692 d. I asked for the name of the CEO and XXXX first says the name XXXX then suddenly stops and says she doesnt have to give me that information and refers me to search for his name myself by googling the company. XXXX then says she can transfer me over to speak with an attorney. XXXX places me on hold then comes back and gives me the name of the CEO by the name of XXXX XXXX. This phone call was very stressful and left me depressed ever since. Just knowing Gustel Law Firm PC is trying to swindle money from me. Congress talks about how swindlers can be fined up to {>= $1,000,000} and can be imprisoned up 30 years pursuant to 18 USC 1341
Consumer complaint received 2022-12-29
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: JPMORGAN CHASE & CO. (CA)

The amount on my card is from XX/XX/2022 I never received the item Chase refuse to resolve {$16.00} I had to waist time and stressed caused by chase Their customer service are wishes from XXXX XXXX dont speak well English and just rude and unwilling to help
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical-Dental-Hospital Bureau of San Antonio (TX)

XXXX & XXXX is reporting an outstanding balance of {$120.00} that I am unaware of. It states that the original creditor is XXXX XXXX but I have no knowledge of a balance due. I have not been given a statement and when requested a validation of debt, was refused one to date.
Consumer complaint received 2022-07-27
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. (MA)

Upon reviewing my reports, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (WY)

I received an email on XX/XX/2018 that my mailing address had been changed. I had not changed the address so I contacted Capital One where they informed me that a fraud alert had been placed on my card so a new card and number were issued and then the mailing address was changed so the new card would be sent to whoever was pretending to be me. Capital One handled this very well and changed everything back and put a fraud alert out for me with the credit bureaus. On XX/XX/2018 I received another email stating the same thing as before. The same person at the same mailing address had done the same thing that they had done on the XXXX. At this point Capital One put a restriction on my account so that they would have to contact me by phone before any changes could be made to my account. I was satisfied with this until XX/XX/2018 when I received a third email stating the same as the first two. A new card had been issued and the mailing address had been changed a third time and no one had tried to contact me as they said they would. When I called to change my information and report the problem I was told that because of the restriction I would need to submit several documents and it might take up to 72 hours before they could handle my requests, but they had obviously let someone else make the changes to my account with the restrictions in place. I was never able to make the changes to my account and canceled the entire account out of frustration. I also had to forfeit {$250.00} worth of rewards when I canceled because I had to have the restrictions lifted in order to use the points and I was not willing to let an identity thief have a card on my account for 72 hours while they approved my documents. I am extremely angry that I could not do anything with my account without all the documents they wanted, but they had obviously let an Identity Thief do it.
Consumer complaint received 2018-11-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

Your case ID is : XXXX My name is XXXX XXXX and my account was limited with {$420.00} I was advised Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. I have not received any emails. I also called customer service for assistance. I tried withdrawing funds and it would not allow funds to be released.
Consumer complaint received 2024-05-22
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Affirm Holdings, Inc (VA)

A deposit was made with Affirm on XX/XX/XXXX in which they are claiming they've issued a loan which was challenged pursuant to UCC 2-609. Affirm did not provide adequate assurance of performance and proceeded to present false and defaming information to the Consumer Reporting Agencies, eventually charging off the alleged loan and reporting that information as well. Not only is Affirm violating Privacy and Constitutional laws, they are also in violation of IRS tax codes, specifically 26 CFR 1.6050P-1. An opportunity was provided to Affirm on XX/XX/XXXX to rectify the situation with the Consumer Reporting Agencies in removing the false and defaming information from my persons Consumer Report and they have failed to do so ( documentation attached ).