davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (CA)

I was in a car dealership this month and got a notice on my XXXX  XXXX   monitoring and noticed RPM had inserted itself on my Credit Report. No notice was given by RPM, which they are required to give. I had to walk out of the dealer and am without a car right now as someone totaled my car. I am now unable to get a car because RPM without any notice of any kind inserted itself on my Credit Report. I have also retained an attorney who has sent letters to RPM and has yet to hear from them. No lawsuits have been filed yet. I want RPM to contact my attorney ASAP to work this out. His name is XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX Please also see attached letter.
Consumer complaint received 2020-07-24
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: AMERICAN EXPRESS COMPANY (NJ)

I was scheduled to be on a cruise that was cancelled by XXXX   XXXX XXXX due to the corona virus. I requested a refund to the original form of payment. I was told that I had to request the refund online but the website was not working. I called XXXX  numerous times and was not helped. I disputed the charge with American Express. XXXX told them that I was given a future cruise credit and that the refund was being denied because I had not requested it within 45 days. I attempted to get the refund numerous times within 45 days so this is not true. Also, they did not provide the refund policy to me when the cruise was cancelled. They are required to provide this by law. American Express has closed the dispute despite the fact that I paid for a service that I did not receive. The credit issued by XXXX was only for half of the amount that I paid. Also, the law is clear that they have to refund the taxes and fees. This is theft and American Express is allowing it.
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MI)

CCS ( credit Collection services ) had written to me in an attempt to collect {$230.00} that they stated is due from a property insurance policy issued for XXXX XXXX XXXX XXXX XXXX, MI XXXX from XXXX XXXX XXXX. I informed CCS that the alleged debt is not owed due to the fact that the insurance policy was to be flat cancelled as I never became the owner of this property in a contract sale. XXXX XXXX was paid on my behalf. I submitted proof of the official municipal ownership records to both CCS and XXXX XXXX to indicate I was never the owner at any time of this property and I lack legal insurable interest to receive any insurance payments, thus the insurance contract was null and void. XXXX XXXX failed to handle this flat cancellation correctly and has appointed CCS to aggressively pursue the fraudulent collection. CCS disregards their duty to properly substantiate this invalid and erroneous debt after receiving proof that I do not own this property.The closing agent has even contacted this company as well. CCS has proceeded to report the derogatory information to all 3 credit reporting bureaus which has harmed my credit. I have filed a complaint with the michigan insurance department and I may take legal action against the company with the Federal Trade Commission if there are any violations of standards to the fair debt collection practice or other acts.
Consumer complaint received 2024-02-27
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. (UT)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protective consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX XXXX Account # No number 15 U.S.C 1681 section 602 a. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it states, a consumer reporting agency, can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( A ) ( 5 ) Section States : no, consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than the records of convictions of crimes, which antidote the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable caused believe that the information is an accurate.
Consumer complaint received 2022-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST UNITED BANK AND TRUST COMPANY (TX)

I have a mortgage loan and a related escrow account with First United Bank. I requested that they close the escrow and send me the balance. I told them I can pay the insurance and taxes directly. They told me I would have to pay a fee of 0.025 % of the unpaid balance to close the escrow. For me that would be a fee of roughly {$230.00}. I asked them to waive the fee since this escrow closure fee was never disclosed to me during the loan process. They declined and I asked to speak to a manger and they declined to provide a manager for me to speak to. This fee is unethical, outrageous, illegal and not usual or customary. I have had several mortgage loans over the year and have never paid a fee to close a related escrow. Additionally I was not given the option to waive the escrow account when the mortgage was underwritten.
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (KS)

I had two fraudulent charges on my card with chime ( a subsidiary of XXXX ). I filed disputes for both in XXXX of 2021 immediately after they posted to my account. The first was a {$600.00} ATM charge that was never distributed to me by the ATM, but my card was still charged. The second was much smaller at {$57.00} for a XXXX XXXX  in Maryland ( where Ive never been ). I was issued provisional credits for both after a waiting period of 10 business days. The {$57.00} charge was detected as fraud and I received an email saying the provisional credit was permanent, yet it was deducted the same day. I then received an email saying the {$600.00} charge has been reversed and all provisional credits would be taken back by the bank. There is video footage of me at the ATM during both of my attempted withdrawals. The first ( {$600.00} ) is unsuccessful as can be seen in the video footage as well as the receipt i sent to the bank. The second ( {$400.00} ) was completed correctly as can be seen in the video footage and in the receipt I sent in to the bank. Both of these disputes were overturned and the money was taken back, despite both being instances of fraud.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I disputed XXXX XXXX XXXX account and it was not verified with my signature on any contract.by law, the 3 credit agencies are supposed to provide me with a wet signature for verification and they did not. This account is hurting me from refinancing my current home. I disputed this over 30 days ago and this needs to be deleted from all 3 credit agencies.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I noticed inquires that were not authorized by me and seem to be fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

In XXXX, I phone XXXX XXXX XXXX Mastercard to close my credit card account. At that time, I was not informed that I needed to submit any follow up written letter to close the account. I assumed that the account was closed much like when you lose a credit card. 
Later that year, on the anniversary of my membership, I received a credit card statement with a membership fee of {$100.00}. I assumed that it was in error and ignored subsequent statements because I wasn't renewing the membership. 
In XX/XX/XXXX, I received a letter from XXXX XXXX stating that my XXXX XXXX XXXX Mastercard was in arrears. I contacted Resurgent Capital Services to protest and stated that I wasn't going to pay the charge as I didn't want a membership. They stated that I had to have proof that I had called XXXX XXXX XXXX Mastercard to close the account. This is proof I do not have. 
In XX/XX/XXXX, I wrote Resurgent Capital Services asking that they resolve the matter and erase the debt. XX/XX/XXXX, I received a letter from Resurgent Capital Services saying that without proof of my closing the account, nothing can be done. 
I am appealing to you for help.
Consumer complaint received 2018-04-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received the response from XXXX XXXX XXXX through the CFPB portal. XXXX XXXX XXXX mentioned that I have disputed this previously in an attempt to discredit my claim, which is unfortunate. When researching XXXX XXXX XXXX it appears they operate out of a trailer in a rural town in Tennessee. When reading the reviews of XXXX XXXX XXXX online it appears this attempted intimidation tactic to discredit claims on small debts is a wide spread problem for this small company that should be addressed. 

When researching this company I attempted to locate their license to practice debt collection in the state of Tennessee but was unable to locate the record. When searching for their license I searched for the business name, XXXX XXXX and XXXX XXXX. 

I searched for their business license and what I found continued the record of disturbing information about this company. It appears XXXX XXXX XXXX lost their license to practice business in the state of Tennessee on XX/XX/XXXX and continued to do business, illegally, until they applied for reinstatement on XX/XX/XXXX. I used complaint dates filed against the company to determine the likelihood that they continued to operate without a license during the lapse. 

This company is attempting to collect a debt for a utility at a home I never resided in, owned, leased or rented. Property records show I never owned or had any interest in this property, this address is not located on any of my credit files or reports and I was not even living in the state where this account was opened when this account was opened. I understand that this small company has some big issues, but since I have now been advised to submit this information directly to the credit bureaus and cut XXXX XXXX XXXX out of the discussion I wanted to provide this update to the parties involved so we all get a good idea of they type of company we are dealing with, which is exactly why the CFPB had to be established. I will include XXXX XXXX on this dispute so they receive an official copy.
Consumer complaint received 2022-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (IN)

I am requesting a detailed explanation of the late fees of {$370.00} charged to my account, as noted on the attached statement with a due date of XX/XX/2022. Also please forward the reason {$1000.00} was placed into a suspense account and not credited when received.
Consumer complaint received 2021-11-08
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: SYNCHRONY FINANCIAL (GA)

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late as reported in my 3 Credit Bureaus. Lets remove this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I went into forbearance XX/XX/XXXX. I was contacted by Mr. Copper in XXXX on the XXXX, the day my mom died from XXXX. I asked to continue forbearance. On XX/XX/XXXX, I applied for a mortgage modification. Since then Ive called multiple times and checked online almost daily. They continue to tell me the modification is under review. Yet they call me regularly to talk to me about my mortgage. Im confused and frustrated. Ive sent them my wages as they requested initially. No solution. I filed bankruptcy which was XXXX XX/XX/XXXX. I want to to try and keep my house and feel stressed that Im not getting any answers. Should I be looking for a new place to stay? Are they going to work with me? I have NO idea. Im not getting any answers. Its all very frustrating.
Consumer complaint received 2018-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

Good morning, Right now I currently have a pending transaction with Coinbase in the amount of {$650.00}. This transaction started on Monday XX/XX/XXXX when I was notified of the pending transaction. Typically these funds are available within 30-60 minutes. 

When the transaction was not finalized after 48+ hours, I submitted a help ticket through their website on XX/XX/XXXX. Case number # XXXX was assigned to my account. 

I first received an email on XX/XX/XXXX stating that my help ticket was received, but it may take a few days for a further response. 

I next received an email on XX/XX/XXXX from XXXX asking for screenshot pictures from my account of the transaction and where it was still shown as " pending '' and not completed. 
These pictures were sent on XX/XX/XXXX back to XXXX. 

I received another email on XX/XX/XXXX saying my photos were received and that they would be in touch when they have an update. This was the last response I have received back from Coinbase. 

I sent ( 2 ) follow up emails ( on XX/XX/XXXX and XX/XX/XXXX ) and have not received a response. I also called their customer service phone number but was not able to speak with someone ( I was at work and had to hand up after 50 minutes on hold )
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (DE)

On XX/XX/22 I received a letter from XXXX XXXX  is attempting to collect a debt {$470.00} that they purchased from Citi Bank/Best Buy for pennies on the dollar, that neither company would validate and sold. I had it removed off my consumer report then XXXX XXXX  bought the debt and placed it back on my consumer report with out my knowledge. Now they are contacting me at my private address that I gave them no permission to do so. I do not have any contract with them nor have they validated the debt, they just sent me a copy of some paper statement that can be printed out. They have the debt listed as collection/charge off on my consumer report which is illegal since they did not charge it off or have a contract with me. I have contacted them and ask to stop reporting this debt and discontinue reporting any trying to collect this debt. They ignored me and said they validated it which I know they did not.
Consumer complaint received 2018-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

This is second complaint since PNC Mortgage does not seem to understand the unfair and illegal practices. My mortgage was bought by PNC from another company. Since that time it is been my worst nightmare. I have paid all payments on time through auto pay with my bank. Since the time of purchasing this home, it has required complete renovation due to the condition of the home when purchased. Because of this need, my loan was set up such that it required PMI. With PMI comes the escrow requirement. After allowing my insurance to lapse because they did not communicate with the insurance company during the hurricane, it took my footwork, etc to correct the problem. Since that incident, my insurance will no longer be paid through the escrow. A document was sent on XX/XX/XXXX indicating PNC will no longer pay the insurance. In addition, requested having the PMI and escrow removed. PNC insists because of the 80/20 rule they can not remove the PMI and escrow. Because of their insistence, I ordered an appraisal costing over {$400.00}. It was provided to PNC proving the value was significantly higher and therefore PMI and escrow should be removed. Now they are saying despite them holding me land locked, now they will order an appraisal but I will be required to pay {$500.00}. They will not accept the appraisal which already proves the issue yet would not order one until I paid to prove they were incorrect. With all that, they are saying I owe higher payments for escrow despite insurance will no longer be paid, taxes went down because home is now homestead and value was proven higher. PNC actually owes my money back due to excess escrow for insurance. This is a shortened version, this does not include the lost payments, unable to take " partial '' payments so good luck paying off a loan early with any variance to your payments. PNC should be investigated including governmental audits.
Consumer complaint received 2021-11-08
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)

Over the past week they have recalculated my score when there has been no new reports from creditors. On XX/XX/21 score dropped XXXX points I called and spoke to rep and he said he didnt see anything that would cause score to drop. He said it would be recalculated and should be fixed and it was it went back to XXXX on XX/XX/21. On XX/XX/21 it went down XXXX points. Nothing new had happened on account since it went up on XX/XX/21. I called in and an agent was naming off stuff that had been on account for years and I said that shouldnt cause it to drop as those things were there when it went up to XXXX. Then they said well give it a few days and see. Well that would mean they are recalculating scores more than 3 times a month which can severely affect credit and ability to get things like a house which Im trying to do. They pull credit at the beginning and end of buying and equifax just randomly and superfluously pulling scores or recalculating them and decreasing them erroneously when NOTHING has changed seems almost criminal.
Consumer complaint received 2018-02-07
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: CORELOGIC INC (FL)

XXXX  XXXX XXXX has 2 Unknown inquiries from XX/XX/XXXX XXXX XXXX XXXX, XXXX has an Unknown inquiry from XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX Credco has an Unknown inquiry XX/XX/XXXX XXXX XXXX has an unknown inquiry XX/XX/XXXX
Consumer complaint received 2018-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX California XXXX XX/XX/2018 THE HOME DEPOT/XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX XXXX HOME DEPOTXXXX Account Number : XXXX Balance : {$720.00} SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : HOME DEPOT/XXXX I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/2018), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 


XXXX XXXX XXXX, XXXX Without Prejudice UCC 1-308 )