davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-08-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ideal Collection Services, Inc. (FL)

This is a follow up to cfpb complaint XXXX. Ideal Collection Services stated We have already provided the validation which is the name and address of the original creditor and the amount owed in my previous response. We did provide more information then that. We provided the the notice to impose claim, the move out statement, and the signed lease which was signed electronically. Attached, please find a copy the early termination addendum and the signed application. 

Despite my efforts to rectify this matter concerning account with Ideal Collection Services has to date, failed to prove that this account is mine. You have failed to provide me with a copy of any viable evidence, bearing my wet ink signature, showing the account is being reported accurately. I have documented my correspondence with you, and I have filed complaints with the appropriate authorities since you have not removed this item from my credit report. 
This will serve as your legal notice pursuant to the provisions of federal law, the Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt referenced above, including the frivolous reporting of this account to any credit reporting agency. If you fail to heed this notice and if I find that this entry on my credit report later interferes with my ability to obtain credit with favorable terms, I will bring suit against your company as well as the original creditor for all applicable damages, as well as for statutory penalties provided under the FDCPA and FCRA. 
You are also notified that should any adverse information continue to be placed on my credit reports as a result of this notice, appropriate actions will be taken. Please give this very important matter the attention it deserves.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am writing to dispute the late payment reported in my credit reports as a result of wrong information reported by Capital One. I have 30 days late payment reported in my credit report of XX/XX/XXXX. I have had this account for about two years now and never was there any late payment because I did set up an automatic payment. However, in late XXXX or early XX/XX/XXXX I called Capital One and requested to have the interest reduced since my finances were tight then due to COVID-19 financial effects. CapitalOne refused to extend help to me to lower my monthly payment even after I explained that I would have problems making the minimum payment. The agent advised that perhaps if I had some missed payment I could qualify for a program. I told agent I would pay whatever I had. 

I called again in XX/XX/XXXX and wanted to get the payoff amount because my finances improved. The agent asked if I wanted to pay off the complete balance and I said yes. I did not know that the agent turned off automatic payment I had and that was why there was no payment in XX/XX/XXXX. However, when I received an alert message from CapitalOne in XX/XX/XXXX, I hurriedly made payment of {$70.00} on XX/XX/XXXX ( please check ). Then on XX/XX/XXXX, I paid off the balance ( please check ). 

I have never had late payment I paid on time and with automatic payment set up ; I called to get a payoff amount ; I continued to pay even when I had difficulties ; I made payment when I got an alert that payment was missed ; I paid off the card ; I have continued to use card and have continued to make payments ' I have written Capital One in XXXX and in XXXX to remove the late payment but they have refused. 

Thank you very much. 

Sincerely,
Consumer complaint received 2022-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accounts Management, Inc (SD)

On or about XX/XX/2022 I received a notice from the county Sheriff indicating that I had been sued on the XXXX of XX/XX/2022 by a credit collection company in XXXX XXXX, South Dakota called Accounts Management Inc. No reason or verification was given. 

It continued to claim that I owed XXXX, not including additional interest and collection fee. As of XX/XX/2022, the paid balance is at XXXX in accordance with my most recently received paystub. XXXX dollars and/or approximately 2 pay periods beyond the assumed conclusion of said debt. 

I am the solely employed Parent/guardian of a family of 5 and am trying to survive on XXXX a year.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (PA)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In accordance with the fair Credit Reporting act XXXX  account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-24
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. (CA)

XXXX XXXX XXXX is in violation of reporting a charge-off on my consumer report. I also never gave this company verbal permission or a written signature to furnish anything on my consumer report to begin with, which is a direct violation to my rights of privacy as a consumer. To my understanding a company can not report a charge-off as it is considered income. I want to see theXXXX form that was filled out for this account by XXXX XXXX XXXX. This account is damaging my reputation as a consumer, which directly makes life more difficult and stressful as I search for my first apartment. Please remove and delete this account immediately. XXXX XXXX XXXX
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I settle my account Credit card Account with XXXX  XXXX. XXXX  XXXX sent me a letter stating that the account has been settled and no longer action will be taken. All credit companies were notified all credit companies removed The credit card account, but one refused to take it off after sending Equifax a copy of the XXXX  XXXX letter stating it had been settled and the Account is closed. They refused to take the account off stating it was up to there discretion went to take it off. Ive sent several letters and also contacted them by phone and theyre still refusing to remove it. This has been several months that this is been going on.
Consumer complaint received 2022-08-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Demand Letter Fraud By their client : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

Please take notice that my funds were transferred through means of coercion and under false pretenses all along! 
Attached, please find supportive statements, screenshots, and further evidence.
Consumer complaint received 2022-08-29
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. (AL)

In accordance with the Fair Credit Reporting act ( Account, XXXX  Account # 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 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (SC)

I called Citi to discuss my interest rate and options for lowering it. The representative told me I was under " penalty '' for a missed payment and asked why I missed the payment. I asked what the date of the payment was and she informed me it was XX/XX/2020. I replied, the pandemic relief outlined a suspension of CC, mortgage, etc. payments for a time period. That " missed '' payment fell within that time period. I asked if she could give me more information on the missed payment, to which she said, " no, it was over 2 years ago. '' I asked to speak to a supervisor and I was told they are not available. I was told to call back later. I have tried to get this sorted out numerous times with the remedy being more time spent from Citi. In essence, Citi is making it impossible to get any answers or figure out what is going on. They have raised my interest rate and are using an algorithm to make decisions based on inaccurate data and information. 

Citi is using tax payer funded programs coupled with a global pandemic to make more money and keep people in debt longer.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (WA)

On XX/XX/2022 early in the morning, my debit card and cell phone were stolen from me by a man I had met only 2 days before. I had gotten him gas, so he had the PIN number. He left me in a city I am unfamiliar with and I did not have my phone. I was XXXX assaulted that day and was in the hospital while charges were taking place. After I was released from the XXXX  I checked myself into a program called XXXX at XXXX XXXX. Only then did I see that my card had been used and my money wiped out. I canceled it on XX/XX/2022, but it was too late. Due to the severity of the attack, I did not have the strength to call the bank until XX/XX/XXXX and spoke to a woman about the charges. I was able to identify the last time I had used the card, and the charges that took place after it was stolen. After almost 2 weeks I reached out to see what was going on and I was told that the claim had been denied due to the fact my pin was used and that I had notifications set up. But again, my phone was stolen from me so I had no way of seeing these charges. I filed a police report and sent it to them, I let them know that the charges were from an ATM and that they have cameras that could see that it wasnt me pulling out my money. I disputed the claim twice and was still told it was denied. I was told multiple times that someone would be in contact with me and I never heard from them. I then received a letter in the mail that listed charges not even related to the claim that had said they were denied. I filed a complaint with the XXXX and finally heard from someone XXXX XXXX and he told me there would be another investigation. This person sent the XXXX a letter letting them know that the issue was solved, which it wasnt. He let me know that the claim did not rule in my favor. The XXXX gave me a link to file a complaint with The Texas Department of Banking, which was completed and sent out on XXXX XXXX. Losing {$860.00} may not be a lot to some people, but for me this was devastating. After the attack I had to quit my job and enter treatment. My son and I are starting over and without this money we dont have much to start out on. After everything that happened I am astonished that my money was stolen from me and then I was treated like I was committing fraud.
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. My cellular phone was hacked, someone accessed my online accounts and these fraudulent inquiries were made. I contacted the police department and obtained a police report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


2. The inquiry was not authorized XXXX XXXX Date of XXXX : XX/XX/2022 Please remove it from my credit report. 


Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

on XX/XX/XXXX XXXX dollars was withdrawn from my account I called immediately. I gave the bank countless proof of screenshots emails between the merchant and I and the merchant denies ever receiving the funds. chase bank over and over denies my claim and I have not received the money that is suppose to be protected by my bank. Under the electronic transfer act I am only liable for XXXX $ due to the fact I DID in fact call the bank to report these charges with in the two day limit. It has been over 2 months now and no resolution has been made. It is not right that my last resort would be getting a lawyer, but if needed I will.
Consumer complaint received 2015-09-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: CITIZENS FINANCIAL GROUP, INC. (MN)

I needed to borrow money via private loans to pay for college. I feel that the banks should have a fiduciary duty to explain what the repayment terms will be and also to better evaluate whether or not the student will be able to repay the loans. I am now in a position where I am really struggling to repay my student loans to Citizens Bank. I work XXXX jobs ( over 80 hours per week ) in order to keep up with my monthly payments and I still struggle. The reason I went to college was to enrich my life and my financial future, not to become a slave to my student debt which is exactly what has happened. I feel that Citizens bank should have never approved the amount of money that they lent to me while attending school, and at the very least they should have at least told me what my payment would be when paying off the loan. I felt they took advantage of me because I was nave and young and simply thought that this is what everyone did in order to pay for school. I have about XXXX in debt with citizens bank and I am experiencing a huge amount of stress and anxiety over my student loan payments. XXXX The amount owed to citizens is in addition to my federal loans, which seem to be much more reasonable ) I work so much that I feel that my health is jeopardized as I work from XXXX at my day job and often until XXXX XXXX 4-5 nights per week. 

Citizens bank is not willing to extend my repayment term or lower my interest rates which could really help me to pay this off at a much more comfortable rate. They took advantage of a young college student, and I do n't know where to turn for help. I ca n't keep working as much as I do. I hope the CFPB can help me. Thank you.
Consumer complaint received 2022-08-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (NY)

I have a collection account that I've been reaching out to numerous times about relief and they were still billing me. I told them due to covid 19 hardship I lost my job and everything, I won't be able to make the payments. They ignored me and kept adding on payments.
Consumer complaint received 2022-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CO)

Hello, My Chase Sapphire XXXX card has a baggage delay benefit where you get reimbursed $ XXXX per day the baggage is delayed. I have provided all required documentation, but Card Benefit Services, which administers this benefit says the delivery confirmation the airline provided me isn't valid. All the airline ( XXXX ) was able to provide me was a confirmation that said my bag was delivered after 96 hours, however, this should still work in that it provides time frame in which the bag was delivered. Also, with how crazy airline customer service lines are this summer, this is likely the best I'm going to get from the airline. 

I provided all documentation as of XX/XX/XXXX, have called XXXX XXXX XXXX  twice since then, and then on XX/XX/16, they called me to tell me the airline 's delivery confirmation wasn't good enough to use. 

I am very frustrated since why do I pay for this credit card if the benefits are impossible to use?
Consumer complaint received 2022-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (LA)

In XXXX our mortgage company took out our property tax payment out of our escrow. They were not supposed to since in our closing documents it stated that the title company would be responsible for that. The payment never materialized on our property tax account with the city. After months of calls and emails a city employee discovered a payment of the same amount went to our neighbors ( one number different than our address ). This was a simple mistake by shell point who makes their batch payments through core logic. A property tax representative of shell point said we need to apply for a refund from the city because they do not expect the city to refund them. The city says we can not apply for a refund because its not our property. We paid the taxes with separate savings. So, not only did we not get the benefit of having an escrow account, we also are now missing ~ {$4400.00} from our escrow account. We believe Shellpoint should refund our escrow account and pursue a refund for their mistaken property tax payment. It should not be our burden to resolve their mistake. We have spent hours and hours trying to resolve this issue. We are considering pursuing litigation to be compensated for our efforts and stress. We can not choose our mortgage servicer. At a bare minimum our mortgage servicer should take responsibility for their actions.
Consumer complaint received 2022-02-24
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

I am XXXX of XXXX heirs to the deed of my deceased mother 's home. Rushmore Loan Servicing initiated a fraudulent loan modification stating XXXX XXXX owned interested in the property. This modification started in XXXX of XXXX. Rushmore more has presented misrepresentations to the Bankruptcy XXXX XXXX South Carolina, XXXX XXXX XXXX XXXX in South Carolina and the XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina. The fraudulent loan modification enabled Rushmore to prevail in foreclosure proceedings based on the validity of the fraudulent document. I have attached documents to aid in the investigation of Rushmore 's intent to deceive and defraud the court to prevail during the court proceedings. There are questionable accounting records. For example, my mother did a loan with South Carolina XXXX XXXX in XXXX to cover her past due balance for close to {$30000.00}. South Carolina XXXX XXXX paid XXXX but there is no record of the accounting. The court case numbers are as follows : Court of Common Pleas ( XXXX, South Carolina ) Case No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina ) Case No. XXXX South Carolina Bankruptcy XXXX XXXX XXXX. XXXX
Consumer complaint received 2022-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

At XXXX XXXX on XX/XX/XXXX, received an attempt to collect a debt from XXXX XXXX XXXX. Explained that they have yet to send a validation letter and that this debt is under dispute. Please see attachments to letters/ emails to prior collection agency back on XX/XX/21 and email to XXXX XXXX I told XXXX to cease and desist collection activity as this is a disputed debt. Representative said they 'juts got the file ' I advised that they should return the file and mark it in dispute I can certainly afford the {$20.00}, its the principle of the matter. I also have a expetional credit history ( see picture ) which I guard against these type of issues I happen to work in the debt collections business, and it saddens me when players do not follow the correct steps. For the purposes of your investigation 1- Did XXXX XXXX purchase this debt from XXXX or from Sunrise Credit Services Inc XXXX 
2- Neither XXXX  nor Sunrise do a good job in complaint management handling as neither marked this account in dispute nor allowed it to continue 3- Sunrise, never responded in writing how I requested- and possibly failed to inform XXXX or worse sold the debt to XXXX