davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (PA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting Services.
Consumer complaint received 2024-02-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: AmeriHome Mortgage Company, LLC (GA)

Evidence of Mortgage Fraud started XXXX- continue. 
most recent - Fraudulent Deed Documents, Monthly Mortgage Statements, Fraudulent 1098 forms created. and Deception with my mortgage loan
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In XX/XX/2023 I had a collection account placed on my credit reports. The company, XXXX XXXX advised they were attempting to collect a debt on an account that is not mine. I have placed fraud alerts on my credit reports and disputed the erroneous information. I also have completed a FTC XXXX affidavit as recommended and attached. Also is correspondence from the collection agency indicating they would be removing this information from my credit reports. Please see attachments.
Consumer complaint received 2024-02-28
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: The Phoenix Recovery Group (AL)

notified credit bureau that an inaccurate account was reporting on my account. requested a thorough investigation and validity of debt info. Requested the account to be removed due to inaccurate reporting balance and account was fraudulent. XXXX notified me on XXXX that my investigation into this account had been verified and updated in a very short time of XXXX days. I spoke with XXXX XXXX and I was advised that I would need to contact the collections agency Phoenix Recovery and further dispute with them. I contacted Phoenix Recovery and I was advised that the dispute had just been sent over to them today on XXXX and had not even been investigated nor updated as of yet and was unsure as to why or how transunion would have sent out a dispute results. Account Person XXXX XXXX at Phoenix Recovery stated this via a recorded call. XXXX is not properly investigating credit disputes appropriately and legally. 


All parties involved have violated the FDCPA
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS (MI)

Dear XXXX & LexisNexis, I have received the latest request to send both proof of identity and proof of residence to be able to verify me and my phone number. I have had past cases with XXXX XXXX for reasons of them being unable to reach me at XXXX for " security reasons ''. It has been several months and to do this date the XXXX client " XXXX XXXX '' account is still restricted and my funds of {$25000.00} has not been released. 

TO update, I have mailed the documentation needed for LexisNexis to authenticate Please update me when my number is updated in the system Sincerly, XXXX XXXX
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC. (DC)

My primary residence is a Single-Family property located in XXXX, DC XXXX 

XXXX. On XX/XX/XXXX, I agreed to a XXXX Modification Agreement with SPS. 
( See Attachment A - XXXX Modification Agreement ) o The terms of the XXXX Modification Agreement include a Deferred Principal Reduction amount of {$190000.00}. The XXXX Modification Agreement sets forth the terms of the Deferred Principal Forgiveness on the second page, Paragraph XXXX. 

o The Tax Consequences of Loan Modifications section of the XXXX Modification Agreement provides the following statement regarding IRS and borrower notifications : SPS will notify the IRS of the amount of principal forgiven on IRS Form XXXX, copies of which will be provided to you by XX/XX/XXXX of the year following the loan modification. 

XXXX. On XX/XX/XXXX - SPS filed tax Form XXXX with the IRS, the tax form confirms the amount of debt discharged as {$190000.00} and lists the date of the identifiable event as XX/XX/XXXX. ( Attachment B IRS Form XXXX ( Cancellation of Debt ) ) XXXX. Despite filing the debt cancellation notice with the IRS and the related requirement for me to report the amount as taxable income. SPS continues to erroneously include the discharged amount as part of the outstanding principal balance and attempts to collect the debt. 

XXXX. I sent multiple Notices of Error and Information requests to remove the discharged amount from the outstanding principal amount to SPS on the following date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX. On XX/XX/XXXX, SPS responded and refused to acknowledge the principal forgiveness and/or adjust the outstanding principal balance to remove the cancelled debt. ( Attachment C SPS response to Notice of Error and Information Requests )
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AL)

On XX/XX/year> I was scammed out of {$100.00} & {$50.00} for a deposit on a home. I was told the only way I could get my money back was it they returned it. They blocked me instead so I can't ask for a return
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax continues to show how XXXX  they are. They have opened several investigations without my knowledge or consent. These investigations were opened on XX/XX/2023, XX/XX/2023, and XX/XX/2023. At no time did I authorize any investigations be opened on my behalf, nor did I dispute anything with Equifax on those dates The customer service representatives also deceive, LIE, about removing items that are or were in dispute and XXXX XXXX unless it comes to trying to sell you XXXX of Equifax 's products. They are slow to respond or update things on my credit profile as well.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY (NJ)

I have a TD bank credit card that is I used for many years and I was racking up points on that Card. However recently when I used it, it wouldn't work so I tried calling them and accessing it online and was told that my card was shut down on XX/XX/2023 but I never received a letter in the mail or any email letting me know my account was shut down. They also took away all my points and said that they gave me 100 days to redeem them but I was never notified that my account was closed so I didn't know about the 100 days. Now they wont give me cash back on all the points I had over the years and they also won't help me get anything back. I called and some employees are saying you should've got a check in the mail automatically after closure of the account, while others are saying we don't send a check unless you redeem the points. This is unethical business practices. The employees at TD don't know about their own rules and credit card agreement 's but they expect the customer to know them. They also are not notifying their customers on such an important matter which is really unfair. I have been with TD for over 10 years, I also run all my business checking accounts, and personal accounts through them. I will be switching to a new bank soon.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (FL)

In accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy ( 15 USC 1681 section 604a section2 ). 

Its also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666B a creditor may not treat a payment on a credit card account under n open end consumer credit plan as late for any purpose
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (GA)

On XX/XX/year> I attempted to send {$130000.00} to Bank of New York Mellon by wire. The money was sent by XXXX XXXX XXXXXXXX. I did not receive a wire receipt. The recipient called New York Mellon to inquire about the receipt. The money was sent by ACH instead of wire. New York Mellon stated to recipient that it would have to be resent by wire. I notified XXXX  XXXX XXXX immediately and requested a recall. I was told that a recall applies to wires only. No terminology for ACH was given. XXXX XXXX  XXXX suggested I file a claim. I was hesitant thinking it would only delay things further. 

The money has never been returned to my bank account. I filed a claim on XX/XX/year>, filled out the necessary paperwork and both mailed and faxed the claim information. I have followed up every day since then and have been told by XXXX XXXX XXXXXXXX that the return of funds could take up to 45 days. I was later told it would take 60 days. When I mentioned that a purchase of property was involved, there was never any urgency on the part of either bank. 

Each time I reach out to XXXX XXXX XXXXXXXX, I am given different information regarding a time frame. Bank of New York Mellon says that XXXX XXXX XXXXXXXX must electronically request the money be returned. For such a large amount of money and property on the line, I feel taken advantage of. There is never a good or steady explanation.
Consumer complaint received 2023-12-30
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. (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 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX {$46000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (AL)

I would like to express my disappointment in Truist bank for now allowing over {$10000.00} dollars to be stolen from my account I would like my money to be returned or I will seal legal action and I will let the public now how prejudice Truist is when it comes to there customers
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (FL)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 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 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
Consumer complaint received 2020-09-16
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (GA)

I purchased 2 money orders in the amount of {$500.00} each. I sent in all the information requested to reissue a refund check to me. The problem is this company is telling me that they don't have my information after 30 days. I sent the information in via Priority Mail by the USPS. I have the tracking number which is XXXX. It was delivered on XX/XX/2020 @ XXXX XXXX. Can someone of higher authority please help me track where my money is I truly need my refund!
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (TX)

Jefferson Capital System XXXX Date opened : XX/XX/year> Balance : $ {$1600.00} Account is not mine. It was removed and came back as open collection years later. The collection agency had no right to obtain my credit report and tarnishing my integrity. I have been in no communication with them and it's a violation of 15 USC 1861.
Consumer complaint received 2024-02-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (MO)

Fraudulent debt collection on my report. Never lived in Texas or rented an apartment in Texas. Ive worked and lived in XXXX XXXX Missouri since 2014 and in the state of Missouri my whole life. Disputed account and tried reaching out to collectors and all numbers linked to company was disconnected. No contact could be made about fraudulent account and debt.
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XXXX/XXXX/16 I purchased a shake sample with no contract or commitment. It said if cancelled within 13 days there would not be an auto ship. I cancelled the next day. I have a XXXX. I sent a email to the company the very next day and had confirmation that it was cancelled. The company billed me anyway. I made a mistake by filling a dispute with Capitol One as apposed to contacting the company. Despite my proof that I was NOT in the wrong, Capitol One re-billed the charge almost immediately. I spent 50 days and numerous hours trying to contact my " specialist '' whom I never was able to reach. I was lied to, told the dispute was not closed while I was getting letters saying the closed my case. I was reduced to tears and felt help helpless. I finally called the company. I was crying. They said they could n't believe Capitol One has put me through this ordeal as they could see that I was not in the wrong and they apologized profusely. They said since it was in a depute process, they could n't help. I contacted Capitol One again to learn that they refused to help me ...
Consumer complaint received 2024-02-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation (NC)

Per the FCRA, I am a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation { {$1000.00} }, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
I are writing to bring to your attention a billing error related to our account, as governed by the provisions outlined in 15 U.S. Code 1666 and 12 CFR Part 1026 Regulation Z. This billing error dispute encompasses past, current, and future Certificate of Indebtedness transactions associated with the contract in place between XXXX XXXX and Regional Finance regarding my account.

It has come to our attention that there has been a failure to credit our account for the Certificate of Indebtedness, particularly concerning dividend payments derived from our treasury coupon. Despite Regional Finance benefiting from dividend payments related to this certificate, a corresponding credit has not been applied to our account from the dividend payments that Regional Finance made off our treasury coupon. 
Moreover, this discrepancy XXXX be in violation of the regulations set forth in XXXX XXXX XXXX XXXX XXXX XXXX, which governs certain aspects of credit transactions, including billing errors. We would appreciate a thorough review of our account to ensure compliance with these regulations. 
Additionally, we would like to highlight a non-compliance with the XXXX Funds Transfer Act ( XXXX XXXX. XXXX ) in the crediting process. Specifically, interest accrued from our treasury coupon, as outlined by the aforementioned XXXX, has not been duly credited to our account through the appropriate channels. 
We are confident that XXXX XXXX values its commitment to adhering to federal regulations and ensuring transparency in all financial transactions. As such, we kindly request a thorough review of our account to rectify the billing error promptly. Furthermore, we expect a detailed explanation of the discrepancies identified and the actions taken to remedy the situation.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XX/XX/XXXX I was frauded and XXXX XXXX of my money was taken via XXXX from unknown recipients posing as my banking institution Chase. I was sent a fraud notification and was told from a Chase customer service # or what I believed was chase that my account was in jeopardy and that I must act immediately to stop identity theft and unauthorized transactions. I immediately went to Chase bank after speaking to what I believed was a Chase customer service manager who asked me to log in to protect my account from unauthorized transactions. The next minutes are a blur and I was in a panic once I realized what was happening and I hung up and rushed to my bank to stop pending transactions on my account. When I arrived the manager said that it was too late even though the transactions said pending. I immediately filed a police report after I got home and found my ipad was also missing which had all my banking information and passwords in the notes section. I have also called XXXX and have frozen my credit and put an alert out as per the police department recommendation. My identity and all my banking accounts could be jeopardized. Chase is refusing to reimburse me for this fraud saying I authorized these two fraudulent transactions. I did not knowingly and I believed what I was being told by what I thought was my bank. When I hung up they called back stating that they were Chase fraud team customer support. This has completely traumatized me and it is completely unfair that I not be refunded what was stolen from me.
Consumer complaint received 2021-11-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/21 I paid a negative account balance of XXXX capital one 360 is still reporting this account as not paid. Additionally capital one 360 is also reporting I have a negative balance in an account that customer service has be unsuccessful with locating. I have no knowledge of the second account being reported.