davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/21 I used Capital One services online, with the assistance of one of their representatives guiding me, to purchase a cashiers check. It was supposed to arrive by XX/XX/21 to its destination. The check did not arrive and I contacted both Capital One and XXXX XXXX to see why the check was still in transit. After about a week, It was determined by XXXX XXXX that the package containing my Cashiers check was in fact lost. It had been sent to a warehouse where packages with damaged labels go, so the package had to get opened to be logged into the system. The package was never logged in, so it was assumed from that point that the check could have been stolen. XXXX XXXX promptly sent me a letter confirming what occurred and requested I immediately stop payment on the check. I submitted an affidavit along with the letter from XXXX XXXX to Capital one. I spoke to a representative that told me they would escalate this, because it could potentially turn into a fraud situation, and to call back to confirm the affidavit was processed. When I called back, I was told that I had to wait 95 days for them to do research and make sure the check was in fact lost before they can give me back my money. Today, I was told it wasn't even a guarantee and that they would do anything for 95 days. or that the money would be returned. In the meantime, I am missing a lot of money and now have to pay more interest to the company that was supposed to receive the payment, because I don't have the money to get another certified check, until the bank releases the money to me again. They have all the information they need, and know the check is lost, but will not give me my money.
Consumer complaint received 2017-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

My total payment with Mortgage, mortgage insurance, and taxes is {$1000.00}. On XXXX XXXX my payment raised to {$1600.00}. With such a large increase I called my Mortgage Roundpoint Mortgage ) and they claimed my escrow was short due to an increase in taxes. 

On XXXX XXXX I quickly went to XXXX and confirmed my taxes have not increased. They gave me a copy of my XXXX tax bill and preliminary tax for the first 6 months of XXXX. They also said no tax payment have been made towards a majority of XXXX and none of XXXX. 

I called back RoundPoint and they looked at where my taxes were sent, XXXX XXXX which is not my township. In addition they said my taxes were more than double of what my taxes actually are. They asked me to email them my form showing taxes from XXXX XXXX and we would use my grace period to adjust this. I emailed the tax document on XXXX XXXX. 

I had a 16 day grace period. On XXXX XXXX I called back and was informed the new anticipated date for completion is XXXX XXXX. I told them this was unacceptable, I need my taxes paid and I want to pay my correct amount. They said they would " escalate '' this matter and I 'd get a call back Monday the XXXX. 

No call on the XXXX. I called back Thursday the XXXX and still no update. Again it would be escalated and I should have a call in the next day. 

RoundPoint Mortgage has been accepting my payment and not paying my taxes. This sounded incompetent at first when they said they were paying the wrong township. The fact they put the burden on myself to prove the amount of my taxes, which I did and still taking over a month to fix this almost feels criminal. My taxes have n't been paid in 5 months and now my mortgage payment is late.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (SC)

On XXXX XXXX I reached out to innovis after filing a innovis dispute and sending verification of identity to have misleading information removed from my profile. I also requested that my telephone number be updated because that is the only way to access your Innovis credit report online. The representive gave me the incorrect telephone number on my account beginning in XXXX and then refused to remove it upon providing proof of my correct telephone number which is XXXX.
Consumer complaint received 2024-08-25
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. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2022-04-27
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: NAVY FEDERAL CREDIT UNION (CT)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.
Consumer complaint received 2021-05-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I the natural person and original creditor XXXX XXXX XXXX XXXX ) was entered into credit transactions that I did not authorize or consent to. I am a victim of identity theft and fraud. somehow my information got onto the dark web and now these scammers are using my information to open new accounts and apply for new credit without my consent. I attached both of my FTC Reports that I filled out ( # XXXX & # XXXX. I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. REMOVE IT IMMEDIATELY!!
Consumer complaint received 2018-02-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MI)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX received a judgement against me in the amount of XXXX. On XX/XX/XXXX they requested a Garnishment of my state income tax refund. It has been 8yrs and 5mos, way of the SOL for the State of Michigan. This has been off my Credit Report for more than a year now. Now my return is being held. 
I will be filing a objection with the state as soon as I receive their notification in the mail.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TDF Financial Services, Inc. (NJ)

My father passed away and I have to leave this country. I come back in three months. I called the credit card company XXXX XXXX  and I asked to remove late payment I even send the picture of the My my ticket and and my father picture when he was in the hospital. But no luck they said NO. Thank you
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (OH)

Citibank will not allow me to close my checking account. I lost my debit card recently and Citi 's online service will not allow me to replace it. Everytime I try to, it logs me out on the desktop or the mobile app freezes. You are not able to send Citi a secure message to close your account or do so on the web login, you must call Citi. When I called Citi to request to close the account, they require a debit card number for verification.They also would not replace the debit card over the phone as my security phrase was wrong even though its my mothers name and I most certainly did not spell it wrong. They offered no other help and there are no Citi branches nearby me. They're currently charging me fees for this account I no longer want and I can't get any assistance.
Consumer complaint received 2020-07-23
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I would like to file a complaint with the CFPB and add documentation of contracts, commitments, and guarantees I would like to make available against Capital One Bank. The Bank shows recorded on my credit card a single charge of {$7000.00}. I filed my complaint with the Bank XX/XX/2018. My complaint about entry to my statement to the Bank was recorded on XX/XX/2018. The charge recorded as XXXX   XXXX. A five hundred forty day period of time is allowable to back charge the merchant. Banks sometimes claim the can only back charge the merchant for a short amount of time set by bank policy and that policy may be 30 days or sixty days. According to my calculations I am within the time allowable of five hundred forty days. I made my own calculations on my computer and find considering Sundays  seventy seven in number and Holidays up to sixteen days. I have other banks who can back charge merchants and satisfy me to completeness but why can't this Bank? I hear a lot about Consumer Protection but how does this Bank work for me according to Consumer Protection I would like to know. What proof or evidence can this Bank supply me? What means did this Bank use to contact the merchant? What was their response? Did you contact them within the time allowed? How fast did you respond to my complaint? How many times did you try?
Consumer complaint received 2018-02-26
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NCMI Corporation (WA)

On Friday XX/XX/2018 at XXXX in the XXXX, I received a text message from a receptionist at NCMI on their personal cell phone, asking what my husbands middle name was. When I responded asking her How come she proceeded to tell me that my husband and myself have accounts in their office with XXXX XXXX. I feel that this is a direct violation of my privacy, as to why a receptionist is looking into my account and contacting me on her personal phone when we were unaware of having any accounts in the office before this. I IN NO MEANS HAVE EVER REQUESTED INFORMATION FROM HER PERSONALLY NOR PROFESSIONALY.
Consumer complaint received 2022-04-07
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. (VA)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Has violated my rights 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2. also states a consumer reporting agency can not furnish your acct without my written instructions.
Consumer complaint received 2020-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OH)

I keep receiving voicemails where they leave no company name, or call back. They are asking for my XXXX year old son. Upon calling back they state it is Transworld Systems the number is different each time. They will not give me information unless I give them my sons name. I refuse to do so. Since they first contacted me it will be 5 days tomorrow i have never received anything in the mail. My son is under my insurance i provided them my name and said to search by my phone number. They refused and cant look by phone number even though they keep calling this number. Also I said my name is and told them. They did not ask for spelling, or anything to search my name. My son is XXXX months old and under my insurance if it is a legit medical bill it should be addressed to me not calling  harassing my almost XXXX year old. 

They have called on XXXX XX/XX/2020 at XXXX and again on XX/XX/2020 XXXX. Both voicemails say their name and ask if ( my son by name ) is available. They never say a company they are calling from. The first number is registered to a women in XXXX when i searched it. If there was a medical bill under myself it would show on my credit. All our doctors bills go to XXXX XXXX I have never heard of this company. They are starting to harass my phone asking for my almost XXXX year old with not a single trace of paper in the mail validating this claim.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I recently sent a dispute letter to XXXX, Equifax, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either XXXX. The reason I'm filing this complaint against them is that XXXX XXXX requires them to respond within 30 days yet they have failed to respond. earlier to comply with these XXXX Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. XXXX XXXX  Account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX violated my federally protected consumer rights to privacy and confidentiality under 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 an account without my written instructions
Consumer complaint received 2021-12-03
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: ACIMA CREDIT, LLC (CA)

I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my credit score and my ability to get approved.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (AR)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX & XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX  XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$47000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX  XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$920.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the following listed inquiries are in violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 an account without my written instructions. 

I have provided Experian, XXXX, and XXXX with a copy of my identity theft report.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One is reporting late payments on two of my credit cards, cards ending in XXXX and XXXX. 

15 U.S.C. 1666b is part of the Fair Credit Billing Act ( FCBA ) 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not disputing anything on my credit report as of today. Please open my credit file if you still have any type of block on it thank you.
Consumer complaint received 2022-04-07
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. (GA)

On XX/XX/XXXX, it was reported that my address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

I came to the XXXX in XXXX ( see attached my XXXX ). From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX. 

I moved to XXXX in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, I lived at XXXX XXXX XXXX, XXXX, XXXX  XXXX ( See attached receipt of purchase with my delivery address at that time ). 

Starting XX/XX/XXXX I was living at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX until XX/XX/XXXX. 

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.