davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (OK)

My son responded to a XXXX XXXX  listing for a computer graphics card from a Scammer posing as " XXXX XXXX in XXXX, OK '' he agreed to send {$370.00} XXXX to this person for the product to be mailed. Once the Zelle transfer was completed he blocked my son, deleted the listing, and ghosted him. Zelle is protecting this Scammer by not providing the details of the recipient or his banking info to the local authorities or myself. I want Zelle to acknowledge the fraud that is occurring on their network and quit protecting scammers who are using the network to cause harm if they are going to turn a XXXX XXXX  and not reverse the transaction in cases of fraud then they should be forced to eat the loss.
Consumer complaint received 2018-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (NC)

On XX/XX/XXXX I made a deposit into my checking account at XXXX XXXX via the ATM machine for the amount of {$120.00} to make my balance a total of XXXX to cover a payment that was going to be coming out of my account on Wednesday. The bank ended up having issues with the deposits posting to accounts via the ATM machine and my car payment was returned to as a NSF because the deposit had not been posted to the account. No one from the bank reached out to me once they knew the atm had an issue to say that they was going to be working on it or anything. I got text messages from the bank stating I had a pending credit of {$120.00} on Monday, Tuesday, and Wednesday. I logged into my account online on XX/XX/XXXX only to find out that my car payment was returned due to nsf. Which didnt many any sense to me because I made a deposit for the amount to cover the payment that was coming in. When I contacted the bank the first rep I spoke to on the phone hung up on me and the second rep didnt help at all. I asked both reps for a supervisor to be able to assist me and to help me to be able to understand why they didnt go ahead and allow my payment to be made to XXXX because they knew they had issues with the deposits. The bank went into my account and cleaned up my account making it look like I made a deposit on Thursday when I made it on Monday which was incorrect.
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2018-02-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending (OR)

I applied for an FHA loan with Supreme Lending ( XXXX XXXX XXXX XXXX Supreme Lending XXXX XXXX XXXX, XXXX XXXX, XXXX, TX - NMLS # XXXX ). At the end of XXXX XX/XX/2018, the pending offer on the home was terminated and the loan officer withdrew the loan on that basis. After the loan officer switches companies, I received a notice from Supreme Lending that my credit application was denied rather than withdrew. I want to be sure this false denial of the application doesn't show up negatively on my credit report.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (LA)

TD Auto Finance was told in a court judgement to remove their report from my credit report. back in XXXX XXXX to this day nothing has been done and it has hurt my credit for XXXX yrs now then I find out from the DMV that the truck they say they auctioned is still in my name and wanting me to renew the registration. I never had the vehicle and they reported me being paid 3 months in XXXX XXXX thru XXXX but never paid a dime then they sue me in XX/XX/XXXX then fund me a new truck in XX/XX/XXXX. before we even go to court on the XXXX truck and lower note twice in 4 days now after the numerous court hearings, they were told to correct my report but hasnt done so, so far
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.
Consumer complaint received 2018-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (GA)

Hello CFPB! We are having issues convincing our mortgage company to remove our Private Mortgage Insurance ( PMI ), and are requesting your assistance in doing so : We secured our mortgage with Roundpoint Mortgage in XX/XX/XXXX, and accepted the PMI payment attached to it with the understanding that we could apply to have it removed once the Loan to Value ratio dropped below 80 %. Once we achieved that ratio in XX/XX/XXXX, we applied to have it removed and have been unsuccessful to date. 

The purpose of this letter is to formally request that the CPFB assist us, specifically considering our payment history with Roundpoint and prior credit history ; the appreciation of the current property value from the start of our mortgage with Roundpoint, and that our ( XX/XX/XXXX ) 75.7 % loan to value is meticulously close to Roundpoint s requirement of 75 %. 

First, after consulting with our lender, agent, and various federal standards resources, we can see no indicator that either FHA, Conventional or any other loan type requires the continuation of PMI after the LTV has dropped below 78 %. 

Second, when my wife and I purchased this property, we brought a solid credit history to the application process. Separately, she and I both had enjoyed solid history as property owners, and later, as a married couple, we successfully paid off a home together. 

As a family, we are far from a risk to dodge payment on our mortgage and relieve us of that expense. Roundpoint 's records will undoubtedly show that we have remained diligent in keeping our payment history current these 30+ months. Additionally, we have poured investment into continually improving our home. We are hardly a default risk. 

We were careful to purchase, first to meet specific school district needs for our children, and second, to target a zip code whose value appreciated well. Fortunately, these past 2 years has blessed us in both regards. Our children are thriving in school and the area has appreciated well. Procedurally, we : Purchased the house @ {$400000.00} in XX/XX/XXXX. 

Updated and finished the basement, painted the entire homes interior, and made other improvements to ensure our investment retains its value. 

Followed the PMI removal appraisal process as outlined by Roundpoint, and the appraisal determined the current value {$480000.00}, a 21 % increase since the point of purchase. As information, XXXX estimate is {$510000.00}, significantly above the formal appraised value : XXXX XXXX XXXX Third, we believe that considering our payment history, our care for and the significant appreciation of the property itself, and that LTV position results in seven tenths of one percent short of Roundpoint s requirement of 75 % substantiates the removal of the PMI insurance payment. 


We would appreciate your consideration. 

Thank you, XXXX and XXXX XXXX / XXXX / XXXX
Consumer complaint received 2023-06-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Revco Management, LLC (NC)

I am making this CFPB complaint regarding 2 phone calls I received from Revco Solutions. The first phone call was received at XXXX am, however I received a 2nd phone call at XXXX am ; a direct violation of Regulation F guidelines. Clarifies that a debt collector is presumed to violate the FDCPAs prohibition on repeated or continuous telephone calls if the debt collector places a telephone call to a person more than 7 times in a 7 day period, or within 7 days after engaging in a telephone conversation with the person. It also clarifies that a debt collector is presumed to comply with that prohibition, if the debt collector places a telephone call not in excess of either of those telephone call frequencies. I spoke with XXXX to attempt to explain this violation, who told me I was incorrect. I advised I would be publishing a complaint with the CFPB.
Consumer complaint received 2023-09-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC (CA)

I have received correspondence from Jefferson Capital Systems LLC ( JCS ) and they are alleging that I owe a debt. They have not provided name or address of the original creditor. They are in fact a debt buyer and have no license to collect in the state of California in which they are trying to collect from. They have given false and misleading information to the CRAs and have caused great damage to me and my credit report. Jefferson Capital has shown gross negligence in their practices and have violated the FDCPA and FCRA in countless ways. JCS created an account " for me '' using my personal identifying information without my consent and have contacted me more than once without my permission. I have requested for validation of the alleged debt and it has yet to be validated. I will be sending out a second request & notice of dispute on Monday ( see attached ). They have caused great injury to me and my reputation by negatively reporting this alleged debt and causing me to have stress and anxiety whenever this matter is brought up.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (WI)

In XXXX of XXXX I paid off a charge card for XXXX, Comenity Bank. I ask that the card be cancelled. I was told that it was canceled. I received a bill from them in XX/XX/XXXX that I owed them for finance charges. I notified them both by telephone and USPS that this account was closed and I should have no further obligations to them. In XXXX of XXXX I was informed on my credit report ( XXXX XXXX ) that the account was derogatory, and or in collections. I started a dispute. Several of them up to present day. I discovered this account was sold to XXXX XXXX. I contacted them, they performed an investigation and found me in good standing. I was sent a letter from XXXX XXXX stating they could find no wrong doing on my part. I forwarded this letter several times attached to my dispute to XXXX XXXX. I also made several attempts to contact Comenity Bank. They told me over a year ago it wasnt their responsibility to remove this off my credit report. It was XXXX responsibility since they took over for collections. 
XXXX told me it was Comenity responsibility because they initiated the report. 
Now Im unable to reach Comenity Bank and neither has XXXX XXXX. 
I need your assistance to resolve this matter. Ive done nothing wrong. I feel that Im being taken advantage of by the Creditor, Comenity BankXXXX XXXX XXXX 
I paid this card off and it was stated in the investigation by XXXX XXXX. 
I have the right to have this removed immediately from my credit report.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a letter from Transunion stating that they had experienced a technical issue which impacted the freeze on my file, and that I should call if I noticed any inquiries on my account. I called and was told I was never sent a letter. I was very concerned as I had to input all my personal data on the phone, including my full Social Security number, to get to an agent! I had to call twice, as I got caught in a loop that had no " go back '' or " talk to agent '' option. Finally got a rep who insisted and/or continually repeated that : a ) I had no such letter, b ) the freeze was active, c ) the inquiries would not impact my XXXX XXXX, and d ) I go online to check my report. She resisted several times transferring me to the XXXX department. That rep told me the freeze issue had been resolved but was unable to give any timeframes as to when the freeze was impacted.
Consumer complaint received 2022-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo continues to mask it's responsibility for protecting its clients behind a third party company they own. They XXXX their responsibility to me their customer and offer no help. I will be moving my accounts to anyone else other than a bank that doesn't follow the law and protects its customers.
Consumer complaint received 2023-06-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (AL)

I keep being harassed by LVNV funding. But they always come back finding they did nothing wrong. Resurgent has closed the two accounts but lvnv funding. Is still reporting them. This isn't fair to me if they have closed something that LVNV funding is still reporting on them. resurgent capital. I would appreciate if they don't lie saying they haven't closed them. Or say they are unable to locate my account. One account is for XXXX and the other for XXXX XXXX XXXX  for {$600.00}.
Consumer complaint received 2019-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This bank has treated me horibke their customer service I lost my credit card to report fraudulent transactions that incurred on the card and they told me not to make a payment and now I login and find out they closed my card after being a loyal customer for 4 years and want me to reapply
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (MD)

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my LexisNexis consumer credit report sent to me via mail.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (MS)

No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX Section XXXX ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX Section XXXX ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No XXXX release to collect on this debt either
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

4 credit cards of mine were all closed on XX/XX/2022. I never paid late, I have a XXXX credit score and never went over my limits. When I called asking about them spoke to a manager whom would not give me a clear reason as to why all 4 of my credit cards were closed. She advised she couldn't give that information to the public. I'm not the public these are my cards.
Consumer complaint received 2022-04-12
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed below. 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 was affected by hurricane Ida and need a new place to move into but these fraudulent reportings are holding me back from obtaining housing. 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. I noticed these fraudulent reportings on ; 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
Consumer complaint received 2021-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

I started trading one year ago and putting all my money in a crypt wallet named Coinbase. Everything was okay until one day my account was restrained or blocked. I only can see my savings but I can't buy more, transfer or sell. 5 months ago this happened and I tried 20 times to contact and ask for help and they always answer the same email and telling that muy problem is solved. they don't solve anything and when you answer the same email telling then that they didn't, they tell you to make a new request.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (OR)

My XXXX card was converted to a Goldman Sachs XXXX, between XXXX and XX/XX/XXXX. I was not concerned as I had XXXX savings accounts with Goldman Sachs and had dealt with them previously. 
Through my bill pay i made the following payments, and Goldman Sachs accepted them, XX/XX/XXXX - {$20.00} ; XXXX XXXX - {$100.00} ; XXXX XXXX - {$25.00} XX/XX/XXXX - {$25.00} XXXX XXXX {$25.00}, XXXX XXXX {$100.00}, XX/XX/XXXX, XXXX {$25.00} XX/XX/XXXX, XXXX {$250.00}, XX/XX/XXXX, XXXX - {$25.00} XX/XX/XXXX {$25.00}, XX/XX/XXXX, {$25.00} XXXX XXXX {$25.00} Additionally these payments were made by XXXX XXXXXXXX {$29.00} The payments not accounted for in XXXX were more extensive. 
An example of the issues are on the statement from XX/XX/XXXX to XX/XX/XXXX The following payments were finally credited- XXXX {$50.00}, XXXX {$40.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX - {$20.00} ; XXXX XXXX - {$100.00} ; XXXX XXXX - {$25.00} These payments had sat with Goldman Sachs for months , and while they had refunded the late fees, they stated it would not happen again, The following month it happened again. 
A couple of days ago, i got another phone call, my payment was late again, only the previous month i had set up autopay from my Goldman Sachs account again. Only this time i was told they had fixed the issue, because I couldn't have XXXX accounts attached for bill pay. 
I was notified i was not making payments but in reality they did not put the funds on my account. They then charged me late fees, and stopped my card from being used. They notified the credit bureaus I am consistently late and it has adversely affected my credit score. I have spent hours on the phone with the representatives, " managers '', leads all without resolution. 
Yesterday, a manger XXXX, notified me that the autopay i had set up was removed as the bank account did not exist. The account is a savings account with Goldman Sachs, and they were able to verify it existed when it was set up. She then told me they only pull from checking accounts and this was a XXXX account. I noted they had pulled a XXXX time payment from my XXXX  account with a different financial institution in the past without issue. She then said i must have had a XXXX account attached to the account. When i pointed out it did not, she got snarky and informed me I was wrong. I could only make a one time payment from savings attached to checking. 
I have spent hours and hours on the phone, and no resolution has been offered. Instead i get told i am wrong, and the fees roll in and my credit takes a hit. 
When I call I get told there are a couple notes, nothing showing all i have had to tolerate in the last XXXX  mnths