davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (AR)

In XX/XX/2020, I decided to close my Apple Card account after a dispute over charged services that were not rendered. Goldman Sachs decided to side with the company over me and I informed them I wanted to close my account. They stated they would close my account ( I have record of all communications as this is done through text message ) and I thought everything was done as my balance was paid in full. I lost access to my account and believed it to be closed. 

In XX/XX/2020, I'm alerted to a transaction that was flagged by my bank from Goldman Sachs for an amount of {$39.00}. The transaction was blocked and I contacted Goldman Sachs to find out what was going on. They informed me that the account was never closed and could not explain why they decided to make an unauthorized attempt to remove funds from my bank account 2+ months after the account was supposedly closed. They explained that this time the account is closed for good and did not mention an outstanding balance. 

To this day, I have been receiving emails from Goldman Sachs in regards to an outstanding balance and I'm done dealing with this situation.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (MI)

Company : CAINE & WEINER XXXX XXXX XXXX XXXX XXXX CA, XXXX RE : Account reference number : XXXX This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the assignment agreement to show full ownership of such account and to provide other documents listed below so I may review to see If this account actually belongs to me or not.

I have sent multiple certified letters on dates of, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting to validate this alleged debt. Requesting evidence of their legal ownership of the debt, such as assignment agreement.

As outlined in the FDCPA, debt collectors are obligated to provide accurate and verifiable information upon a consumers request. I have sent 3 requests. A mere copy of a bill falls short of the required validation standards.

Caine and Weiner continue to violate my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Uniform Commercial Code ( UCC ). I have been requesting the following for over a year now.

According to the FDCPA Section 809 ( b ) requires a a debt collector to furnish, within 30 days, the following : The original creditors name and address.

The exact amount of the debt, including any finance charges and fees.

A description of the debt and the date it was incurred.

Evidence of your legal ownership of the debt, such as assignment agreement.

The UCC Article 9 requires clear and verifiable proof of debt transfer and chain of the title. Sending a single bill does not demonstrate their legal standing to collect this alleged debt. 

I have reiterated my demand for proper validation to this company for my last attempt that of XX/XX/XXXX to : Please provide the documentation listed above within 15 days of the date of this letter. 
Cease and desist all further collection efforts, including communication, reporting to credit bureaus, and legal action, until valid proof of debt ownership is provided. 

Caine and Weiner continue to deny my requests to validate each and every time. 
Caine and Weiner Failed to comply with these demands multiple times and are in violation of the FDCPA and the UCC.

I demand this alleged debt collection be permanently deleted off my credit report since this company has failed to comply on multiple requests to validate and to cease all collections and reporting immediately.
Consumer complaint received 2020-05-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

i pay my mortgage to sps select portfolio servicing. my payment is XXXX a month. because of the virus and visits to hospitals by paying co pays has hurt me. i did the forbearance plan for 3 months.starting XX/XX/XXXX my thought was those payments totaling XXXX would go to the end of loan. sps wants you to pay the XXXX plus XXXX for XXXX.alot of other mortgage companys are doing it right. all i can pay is the XXXX for XXXX. this could put me in forecloser. when trump put this program together he said alll payments would go to end of loan.otherwise i would have not done it. please help if you can! this may be price gouging!
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (NV)

Provided personal information to 3rd party affiliates against, Destiney Master Card was contacted on multiple accounts to no avail or response.

The Privacy Act 1974 - Allows for criminal penalties in limited circumstances. An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is a direct violation.
Consumer complaint received 2024-03-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (FL)

The Company is XXXX XXXX XXXX. The collector is Professional Debt Mediation. The amount is {$12000.00} Contacted by phone and mail about a past due balance for a rental. I haven't rented this property. I haven't rented a property in the state of Florida in over 20 yrs. I own my own house. 

I responded via letter that they have the wrong person. They sent a copy of lease agreement that I have never seen, nor signed. Photo of DL was sent, with an address I lived at years ago, my deceased fathers house. The photo was also of XXXX XXXX XXXX XXXX, I am XXXX  Definitely not me.
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Balance transfer — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

I requested HSBC XXXX bank to transfer a balance to my other credit card at XXXX, to pay my outstanding balance there. This was in XXXX, HSBC did sent a check to XXXX, on XXXX/XXXX/2016, with the wrong account and without my name. 

The check was never cashed by XXXX ( By HSBC own admission ) but yet that amount has been added to my HSBC balance since XXXX/XXXX/2016, together with a hefty transfer fee, though I never benefited from that transfer. 

I have call XXXX banks and specially HSBC a number of times, did n't get anywhere until I twitter about it and though then I was put in touch with a CSR, they then told me on that call that they will fix it, just to call me the next day saying they are refusing to take the amount of the transfer off my account though their check was never cashed!!!! 

So now I am carrying the same balance at the XXXX bank!!!!! 

This is NOT XXXX fault.
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC (MA)

On XX/XX/2024 I received the latest of at least three text messages from Spring Oaks Capital , LLC alleging that they want to collect on an Indigo XXXX account originated by XXXX XXXX. I have never had any accounts with XXXX XXXX or an XXXX XXXX issued by any other financial institution.
Consumer complaint received 2023-06-04
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: Upgrade, Inc. (KY)

In According to the fair credit reporting act this creditors has violated my rights under 15 usc 1681 section 602 ( a ) states that i have the right to privacy and under 15 usc 1681 section 604 ( a ) section2 also, states a consumer reporting agency can not fervish account information without my written instructions. And us 15 code1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2020-05-30
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX sales person ask me for mi ssn and i did not tell him. I asked many times to dont do a hard inquiry. He says the they wont do. Will be only to check if I have some account with them ( lies ), i provide my drive license number. And immediately I received an alert that they run my credit with equifax. I dont recognize that inquiry because i tell him many times dont do it. His name is XXXX XXXX operator number XXXX from XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

I am filing this complaint to report a potential violation of the Fair Credit Reporting Act ( FCRA ) by MACYS/ CITIBANK Specifically, I allege that MACYS/CITIBANK has failed to comply with the following provisions of the FCRA and its regulations : 15 U.S.C. 6802 : This section requires financial institutions to provide consumers with a clear and conspicuous explanation of their right to opt out of having their nonpublic personal information shared with nonaffiliated third parties. I have never received such notification from MACYS/CITIBANK.

12 CFR 1016.7 : This regulation reiterates the consumer 's right to opt out of information sharing at any time. I am hereby exercising this right and formally opting out of any further disclosure of my nonpublic personal information to any nonaffiliated third party by MACYS/CITIBANK.

This failure to comply with the FCRA has potentially caused harm to my privacy and negatively impacted my consumer report. I request that the CFPB investigate this matter and take appropriate action to hold MACYS/ CITIBANK accountable for their potential violation.
Consumer complaint received 2023-06-04
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 am interested in processing disputes on my credit report to delete an remove all inaccurate information on my Equifax credit report. information on all credit reports are not valid. this has been an on going issue that is hurting my file. please review an check out all details in the report to clear my file to correct my credit report asap.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Hello : This is my final request for assistance before I seek counsel on this matter. 

Since XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX, I have continuously disputed this erroneous information with Experian. I reached out to the data furnisher who reported Experian has not reached out to them to verify this account has been closed and there is a standing court order which experiences continues to violate by reporting this information. Firstly they are reporting me late on XXXX and XXXX for a closed account since XXXX. 

I reached out to the data furnisher who sent and verified there is a XXXX balance on this account. The account is closed. I enclosed copies of the court order to Experian and to no avail, this line still remains on my credit report. 

This is the final step I was advised to complete before I seek punitive damages for the continued reporting of false and incorrect information.
Consumer complaint received 2024-03-07
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: Bread Financial Holdings, Inc. (IN)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I was scammed through XXXX for the amount of {$200.00} and {$280.00}. 

I opened two claims with my bank. 

1 ) claim # : XXXX Amount : {$200.00} Money was sent via XXXX to the email address : XXXX Item being bought : 3 VIP tickets for XXXX XXXX XXXX XXXX for XX/XX/22. 

This person acknowledged I would not be able to use the tickets as he couldnt access his email address. He stated he would send back the money but refuses. I have screenshots of the amount of messages I have sent and phone calls. He provided me with a copy or a false ticket. 

2 ) claim # : XXXX Amount : {$280.00} Money was sent via XXXX to XXXX Item being bought : 3 VIP tickets for XXXX XXXX XXXXs XXXX for XX/XX/22. 

This person lied about having VIP tickets as well. He wanted me to send an additional {$210.00} as he claimed he could not change the tickets to my name. He then admitted he was wrong and would send my money back but he refuses to now.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collections Acquisition Company, Inc. (DC)

I have attempted to contact " Cybercollect '' many times. I have called the number provided and get a message that the number is not set up to receive calls. I have written them a letter and haven't heard anything back. I have disputed the account on my credit report and it continues to be validated as accurate. The amount owed has changed and is now incorrect.
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC (IL)

My car wasnt working so I asked did I have any type of warranty but they didnt want to fix my vehicle and I told them to come and get it and they put it as a repossession and it wasnt and they sold the car and they still telling me I have to pay for it and still sending me letters stating I have to pay for it
Consumer complaint received 2022-07-18
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: TD BANK US HOLDING COMPANY (TX)

In XX/XX/2022 I requested a 1099C from 2 creditors that charged off the accounts. Per my accountant, I am required to file the amount charged off as income on my tax return. Per IRS website, the creditor was required to forward the 1099C to me once the account was charged off. 

XXXX XXXX Bank ( account # XXXX ) and TD Bank USA/Target ( account # XXXX ) both were required to forward the 1099C as a result of them charging off the accounts. Neither creditor responded to my request which has put me in a negative situation with the IRS per my accountant.
Consumer complaint received 2020-05-30
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)

Okay so i was in Kansas XXXX  XXXX XXXX ( XXXX  ) when I gave XXXX  to my children ( XXXX  ) in XX/XX/2014. When you are ward of the state ... They are liable for hospital bills ... and any other bills that are incurred since i was not even able to have insurence if i wanted. I had to dispute a few debts with transunion and equifax due to hospital bills that were on my credit report. All were removed except this bill through XXXX XXXX  that i have disputed twice now. I dont understand. This is not my debt ... It belongs to the state of Kansas and its showing negitivity on my report and im trying to clean my life up.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (TX)

I have a Citi checking account ending in XXXX. I can not get the online access. I am getting this error : Looks like this account cant be registered online. 

Please chat with us or call customer service for assistance. 

Chatted with XXXX on XXXX XXXX- no help at all. 

I have Citi credit card also- i have no idea why Citi can not add my checking account to that online ID Citi is so inefficient.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (NJ)

ON XXXX OCCASION I REQUESTED MY CONSUMER FILE DISCLOSURES FROM LEXIS NEXIS. THE SECOND REQUEST WAS AS RECENT AS XXXX XXXX 2024. 
I USE THE COMPANY OWN OWN REQUEST SYSTEM SUPPLYING ALL MY IDENTIFIABLE PERSONAL INFORMATION, AND XXXXXIS NEXIS RESPONSE TO THE SUBMISSION WAS BY MAIL SAYNG TO SUMMITT MY INFORMATION USING THEIR SYSTEM SUPPLYING THE REQUESTED INFORMATION. LEXIS NEXIS IS ENGAGING IN A STALLING TACTIC TO KEEP ME FROM ACCESSING AND KNOWING WHATS ON MY CONSUMER FILE. THIS IS BEING DONE TO PROHIBIT ME FROM DISPUTING ALL THE INACCURATE INFORMATION THAT IS LOCATED ON IT. THIS IS A COMPLETE. DENYING ME ACCESS TO MY CONSUMER DISCLOSURE IS A VIOLATION OF THE FCRA, AND IF NEED BE I WILL ESCALATE THIS TO A LEGAL VENUE IF ACCESS TO MY REPORT IS NOT HONORED. THIS REQUEST IS BEING MADE THROUGH MY VERIFIED CFPB PORTAL SO THE IDENTIFICATION HAS BEEN IDENTIFIED AS BELONGING TO ME THE NAMED CONSUMER IN THIS COMPLAINT.
Consumer complaint received 2024-03-06
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I've attempted to use this AMEX gift card at multiple locations, both XXXX as well as online retailers. None of them would allow use of the card. Many of them refused to accept it and wouldn't even attempt to use it.
Consumer complaint received 2024-03-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP (FL)

XX/XX/year> Servicer sent me a wrong-erroneous mortgage accounting record on XX/XX/XXXX, XXXX see attached. 
Acct # XXXX for the amount I executed, agreed to, was {$7500.00} beginning XXXX XXXX via a signed promissory note by me-see attached. 

RESPA Violated by Servicer- Servicer keeps sending me the wrong records- it's a XXXX pdf document showing a totally DIFFERENT amount owed than the $ XXXX see attached. These accounting records belong to someone else. 
The account number is correct, however the account balance from the promissory note vs the servicer records from US BANK NATIONAL is unreconciled, totally different, more than 100xs {$7500.00} original account balance - see attached. 
Therefore my mortgage payments sent to the Servicer US BANK NATIONAL have been MISAPPLIED or may be sitting in a SUSPENSE account held with servicer US BANK NATIONAL and those payments need to be refunded to me IMMEDIATELY.
Consumer complaint received 2024-03-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (IN)

Subject : Complaint Regarding Lack of Notice from National Credit Systems Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against National Credit Systems regarding their failure to provide proper notices in accordance with consumer protection regulations. Specifically, I have not received any notice of dispute or notification of the purchase of a debt from the original creditor as required by law. 

I became aware of a collection account on my credit report from National Credit Systems. However, I never received any communication from them prior to this, informing me of the alleged debt or providing me with an opportunity to dispute it. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), consumers are entitled to receive such notices before any negative information is reported to credit bureaus. 

Furthermore, I have not been notified by National Credit Systems that they purchased the debt from the original creditor. It is my understanding that consumers are entitled to this information under the FDCPA, as it affects their rights and options regarding the debt. 

This lack of communication has caused me significant distress and has potentially damaged my credit standing unfairly. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against National Credit Systems for their violation of consumer rights. 

Please let me know if any further information is required from my end to assist in the investigation of this matter. I appreciate your attention to this issue and look forward to a prompt resolution.
Consumer complaint received 2022-07-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

I have a mortgage with Mr. Cooper that is escrowed. My hazard insurance renewal was scheduled for XX/XX/XXXX ( shown on the system with the correct insurance company and policy number ). I received a letter in the mail ( dated XXXX, received XX/XX/XXXX ) that insurance had lapsed for non-payment and that Mr. Cooper would be force-placing insurance if I did not provide proof of new insurance. Mr. Cooper blamed previous insurance company ( XXXX  ) not providing billing information, but I find it unacceptable that the servicer simply didn't pay the insurance premium and did not notify the consumer ( me ) until it was time to 'force place ' insurance. I went without coverage ( unknowingly ) for over a month due to the inaction of the servicer.