davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (NV)

Opened a BUSINESS checking account at US BANK in XXXX, NV and was NEVER advised that a BUSINESS checking account DOES NOT have an opt in/out option, its automatic overdraft protection. Went over by approximately {$85.00} and in 4 months was charged approximately {$380.00} in " fees ''. I agree I made XXXX mistakes, I did go over and they did send the statements. This is a NEW Business so I do n't have a lot of activity, so It 's an easy oversight as a NEW business XXXX. I feel like US Bank by NOT advising the BUSINESS their checking policies has caused me harm as they closed the account and turned me into XXXX.
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (MD)

I requested that my bank remove my PMI. They instructed me to pay for an appraisal, which I did. The appraisal was submitted with a range of values for my house : XXXX $ XXXX . Suntrust bank chose the lowest value in that range and misrepresented that value labeling it as the " 90-120 day '' value even though I spoke with the appraiser who confirmed the 90-120 value he submitted was XXXX . I believe it is wrong, and perhaps a violation of the Homeowner 's Protection Act, to allow a bank, whose interest is in collecting PMI for as long as possible, to select a value when given a range that benefits them and may not actually represent the true value of a home.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX  days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX
Consumer complaint received 2017-02-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

This company is reporting an account and after two attempts to get details on the account, they have yet to respond. What they send is nothing but a statement. I am asking to see more information about this debt such as the proving the statue of limitations has not expired, a break down of all monies owed and documentation that I agreed to pay what they say I owe.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

EXPERIAN LIED ON REPORT # XXXX, I HAVE REPEATEDLY ASKED EXPERIAN AND XXXX XXXX XXXX TO VALIDATE THE DEBT, PER THE XXXX BOTH ARE IN VIOLATION .... IT TIME EXPERIAN COME BACK AND SAY THAT THE DEBT IS VALID, I HAVE ASKED THEM TO PROVIDE ME WITH THE INFORMATION THAT WAS PROVIDED TO THEM AND THEY HAVE NOT, IN THE PREVIOUS COMPLAINT THEY SAID THEY HAVE PROVIDED IT TO ME, WHICH THEY HAVE NOT, WHY ARE THEY ALLOWED TO GET AWAY WITH LYING? I WOULD LIKE FOR EXPERIAN TO PROVIDE ME WITH THE VALIDATION, XXXX XXXX IS COMMITTING FRAUD AND EXPERIAN SEEMS TO BE WORKING WITH THEM, I DO NOT OWE XXXX XXXXXXXX, IN BOTH RESPONSES THEY SEND BACK A WHOLE LIST OF GARBAGE,, I WILL MOVE FORWARD WITH MY COMPLAINT
Consumer complaint received 2016-01-04
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio Recovery has sent me mail about debts that were part of a bankruptcy that got dissolved. I took their initial calls and stated that when I recognize I still owe the debt and to contact me by mail for any future collection efforts. For the last 6 months I receive multiple calls per day, 7days/week from various numbers. I am not able to answer them. I have gotten reports from family stating that they are now receiving multiple calls asking for all kinds of personal information, not just an address. Since requesting them to mail me anything I have not received one letter from them, just constant phone calls. I have an entire list of their numbers blocked in my phone. I am going to be sending a certified letter to cease communication.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (FL)

My identity was stolen and credit cards were taken out in my name from navy Federal and wells fargo. A XXXX account was opened in my name and someone tried to open a new checking account through my existing XXXX  XXXX XXXX account. The navy Federal card was used. This has effected my credit score. Multiple hard inquiries were done on my credit.
Consumer complaint received 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions, LLC (CA)

During an inquiry about buying a home the potential lender informed me that my FICO scores were not high enough because Debt Recovery Solutions recently opened a new collection dated XX/XX/XXXX for XXXX. I have NEVER received a single notification of this debt so I called them and asked them what it was for. I was informed that it was for XXXX during the periods of XX/XX/XXXX to XX/XX/XXXX. I asked him how to get rid of it and she started screaming at me that the only way to get rid of it was to pay it or they would sue me. This is the second time they are reporting it with different dates to different bureaus. They reported it inaccurately to XXXX as originating in XX/XX/XXXX and last activity was in XX/XX/XXXX. For that account and the new one they have not allowed me to validate the debt to inform that that it is way past the Statute of Limitations and that I did not agree with XXXX 10 years ago. They have re-aged the account to make it look like it just happened in the last 3 months and it dropped my scores.
Consumer complaint received 2015-10-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

Our mortgage company is not paying our homeowners insurance from our escrow account. This is the second time this is happened. Last year when we discovered the problem, the mortgage company insisted that the error was corrected and this would not happen again. They paid our XXXX insurance & now this year our homeowners insurance contacted us to say they have not received payment again. I checked online with the mortgage company and they show that the borrower is responsible for the insurance which is the same error as last year. They tried to force us into taking their homeowners insurance because they were showing a lapse in coverage. Not sure what to do to correct this repeated problem.
Consumer complaint received 2024-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (FL)

This is in reference of foreclosure action that have been taken against my property at XXXX XXXX XXXX, XXXX XXXX  XXXX, This action it is unlawful do to the fact that all the documents submitted to start that action they have been copies and the original promissory note and mortgage never was submitted presented to the court that constitute violation under the law, in fact, none of the parties have legal standing or legal right to bring any legal action against me my wife in reference of the property mention above, that been set I am requesting to CFPB to investigate in to refer my case to XXXX, FEDERAL TRADE COMISSION for violation of the Fair Credit Reporting Act Previous account number : XXXX Current account number : XXXX Mr. Cooper on XXXX has express true representative XXXX about XXXX XXXX XXXX XXXX XXXX that this company it is not in possession of the documents that I requested the RESPA, TILA, HUD1.
Consumer complaint received 2016-07-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NV)

We have been trying to do a short sale for nearly 2 years and Wells Fargo keeps making us start again and send the same paperwork over and over again! They have received XXXX buyers to which they refuse the offer each time setting an BPO saying the current has expired. 
We have reached out to the executive office and they keep appointing ineffective staff that do not help.
Consumer complaint received 2017-02-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (CA)

Letter from First National Collection Bureau, XXXX XXXX XXXX, XXXX NV XXXX, Dept # XXXX, Ref # : XXXX. Letter claims to want to collect a debt on behalf of XXXX XXXX XXXX XXXX, of {$64000.00} for {$19000.00}. They provide no proof of debt. In fact, their form letter say " Because of the age of your debt, we will not sue you for it and XXXX XXXX XXXX XXXX will not report it to any credit reporting agency. Then why harass me with their letters. The form letters are not tied to anything, just harassment for what? I want the letters and harassment o stop.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (TX)

I received a letter from Chase indicating they had overcharged me on interest while I was recalled as a military reservist subject to SCRA protections. They refunded me approximately {$2600.00}. They then filed it as " income '' with the IRS and sent me a XXXX. It was money I had already earned and paid taxes on which they wrongly charged me and then refunded. It was not income. I should not have to pay taxes twice on the same money. I sent them a letter in early XX/XX/XXXX, but they have not responded to my request for correction.
Consumer complaint received 2024-02-26
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

I am writing to file a formal complaint against National Credit Systems for their egregious violations of my rights as outlined in the Code of Federal Regulations ( CFR ) and the United States Code ( USC ). Furthermore, I am disputing any and all debts claimed by National Credit Systems, and I am revoking all rights for them to communicate with me via email, text, and phone calls.

Under 12 CFR 1006.34 ( b ) ( 5 ), I am entitled to accurate reporting of information to consumer reporting agencies. Despite this regulation, National Credit Systems has inaccurately reported information about my credit history, leading to erroneous information on my credit report.

Furthermore, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have the right to dispute inaccurate information directly with the furnisher. I have made numerous attempts to dispute the inaccuracies with National Credit Systems, but they have failed to investigate or correct the errors as required by law.

Additionally, 12 CFR 1006.34 ( d ) mandates that furnishers of information must conduct a reasonable investigation of disputed information. National Credit Systems has failed to fulfill this obligation by neglecting to conduct a thorough and fair investigation into the inaccuracies.

Moreover, according to 15 USC 1681-S 2 ( 7 ) ( A ), consumers have the right to accurate reporting of information by consumer reporting agencies. National Credit Systems ' failure to ensure the accuracy of the information they report to consumer reporting agencies directly violates this provision.

In addition to disputing the inaccuracies in reporting, I am formally disputing any and all debts claimed by National Credit Systems. Furthermore, I am revoking all rights for them to communicate with me through email, text, and phone calls, as provided by the Fair Debt Collection Practices Act ( FDCPA ).

As part of this dispute, I request the following : Debt Validation : I request that National Credit Systems provide validation of any and all debts they claim I owe, including detailed information regarding the origin and nature of alleged debt.

Purchase Agreement : I request that National Credit Systems furnish a copy of the purchase agreement between them and the original creditor for each alleged debt they claim I owe.

Proof of Licensing and Bonding : I request that National Credit Systems provide proof that they are licensed and bonded as required by law to engage in debt collection activities.

I expect National Credit Systems to comply with these requests within the time frame prescribed by law. Failure to do so may result in further legal action to protect my rights as a consumer.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to investigate these violations and ensure that my rights as a consumer are protected. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-11-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: 4M Collections, LLC (WA)

I received my paycheck today with a {$300.00} garnishment from 4M Collections, with the names Discovery Financial and XXXX XXXX attached to the order. I was NEVER contacted regarding this debt and have not had any debt for 10 years or more as I filed bankruptcy back when my children were in XXXX school. I do not have any collection agency remarks on my credit, nor have I received ANY phone calls NOR letters regarding ANY type of debt owed. I have tried MULTIPLE times to try and contact them today to get an answer to no avail. They have robbed me and are 100 % wrong in taking my hard earned money. I am a single woman who is barely making ends meet. I do NOT have the money for them to take. Also, the name that they have me listed is, and has NEVER been my name.
Consumer complaint received 2015-06-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I opened a custodial account at Chase in 2010. The account is for the benefit of my adult son who receives Veterans Administration and Social Security Benefits payments. My son is a XXXX of the United State XXXX XXXX. I am by written agreement the VA Federal XXXX and I am the XXXX Representative Payee. I have had use of the Debit card associated with the custodial account since the account opened. THE PROBLEM IS THAT : Chase terminated the debit card, effectively restricting access to the beneficiaries funds. I can not pay his cell phone online. His gym membership, which is paid through the debit card will not be paid. I now only have access to pay his bills by paper check, money order, cashiers check, ACH or cash. I can not use cash as the paper trail is lost. In today 's world checks are not adequate to pay online transactions or accepted at many institutions. Therefore many areas of commerce are not available for me to utilize to provide for my son 's financial needs. I have approached Chase up through their Executive Office and I have been denied the debit card. Again this is the debit card that I have been using for four years. I am the authorized user of this custodial account, my son has no access to the custodial account. I transact the financial business for my son. Chase holds his funds and by denying the debit card Chase is denying access to my son 's funds that are necessary to take care of his financial needs.
Consumer complaint received 2024-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

My mortgage servicer is Newrez LLC. 

The property loan has an escrow account for taxes and hazard and homeowners insurance. 

I am Successor in Interest on the loan. 

Dwelling Insurance Policy should have been paid out of escrow funds on XX/XX/XXXX ( latest possible day ). 
XXXX XXXX did not pay the hazard policy. 

I paid {$3300.00} on XX/XX/XXXX. 
Payment was accepted on XX/XX/XXXX. 
I have the Insurance Payment Receipt. 

New Rez has not repaid me so far. 

The dwelling insurance is through my XXXX agent, as a California Fair Plan policy. 
This was a renewal policy, and not a new policy. 
I received a letter via mail on XX/XX/XXXX from NewRez Insurance Department stating that evidence of property insurance documentation was received. 

NewRez was requested that the Named Insured be changed to the deceased. 
I am the deeded property owner. 
This is a renewal Dwelling Insurance and there has been no changes to the policy ( other than the cost as The California Fair Plan, is the insurer of last resort for mountain properties in the area. 
NewRez has informed me that they purchased Lender-Placed Hazard Insurance on XX/XX/XXXX. ( Cost is {$3900.00} )
Consumer complaint received 2024-02-23
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: EQUIFAX, INC. (TX)

I want the account removed from my reports at the 3 credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 

Account # XXXX
Consumer complaint received 2023-03-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TRUIST FINANCIAL CORPORATION (TX)

I purchased a new vehicle on XX/XX/2022, financed by Truist through the vehicle dealership. I then refinanced the loan using my personal credit union. The disbursement of the loan payoff amount was made by my credit union on XX/XX/2022 in the amount of {$34000.00}. I also obtained new GAP insurance from my credit union for the refinanced loan. 

Then, on XX/XX/2022, the dealership mailed a refund check for the pro rated premium on the GAP insurance I had taken out on the original loan. This check, number XXXX in the amount of {$530.00}, was made payable to Trust Product Refunds and mailed to XXXX XXXX XXXX, XXXX, NC, XXXX. The check was cashed by Truist, as evidenced by an image of the cancelled check provided by the dealership. Based on the dates of the payoff and GAP refund, I believe that Truist deposited the GAP refund *after* my loan was paid off, and therefore I should have a credit balance with Truist for the amount of {$530.00}. I can not access my online account with Truist and my access seems to have been cut off once the loan was paid off. Because I opted for electronic statements, I can not verify the final statement showing the payoff amount or any credit balance. 

I have tried calling Truist at least 4 times, each time taking up to 10 phone calls to reach someone who was able to take down my information and promise to follow up. None of those calls have resulted in someone calling me back, and therefore I've had to start the process all over again. 

Unless Truist can show that the {$530.00} GAP refund paid by the dealership was applied to my loan balance, I expect to receive a check in the same amount from Truist payable to me. It is now 4 months after the refund check was deposited by Truist. This is unacceptable customer service.
Consumer complaint received 2022-02-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Recently, I was denied an extension of credit by Capital One Auto Finance On XX/XX/2022, I applied for pre-qualified Capital One Auto Financing. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer pursuant to 15 U.S. Code 1691 ( c ). Capital One Auto Finance assumes civil liability pursuant to 15 U.S. Code 1691e. Capital One Auto Finance has violated my federally protected consumer rights : 1. 15 U.S. Code 1642 2. 15 U.S. Code 1681M 3. 12 CFR 1002 Since the letter Capital One Auto Finance sent me dated XX/XX/2022 is both proof and evidence that I have been discriminated against, Capital One Auto Finance is also criminally liable. Capital One Auto Finance should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice collect actual damages for said violations.
Consumer complaint received 2022-02-28
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: EQUIFAX, INC. (FL)

I have previously disputed with XXXX, XXXX  and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2023-03-16
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: Resurgent Capital Services L.P. (MD)

Resurgent Captial sold my information to XXXX without written consent. This is in attempt to collect a debt that is reporting in various companies on 3 different reports. However, the policy reads as follows. 

We collect personal information to provide our services. We do not sell personal information. If you are a business contact, most of the information we have was provided to us by you or your organization and/or collected directly through the use of our website. If you are a consumer in collection, most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. If you are an applicant or employee, most of the information we have was provided to us by you through the application or employment process. For more details on how we use, share, and delete personal information see our Privacy Policy.