davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (NJ)

Company - I.C. SYSTEM, INC Date - XX/XX/year> Amount - {$650.00} I do not have any contracts with this company. I did not authorize this company to use my information or report it to any credit reporting agencies per 15 US Code 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-02-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BOK FINANCIAL CORP (KS)

We had a loss on the property due to storm damage and received funds from our insurance company to include BOKs name on the checks. All funds for payment to the contractor has been received by BOK which totals {$24000.00} and all work is complete and theyve only sent us and contractor {$3000.00} and refuse to release any more of the insurance money. Theyre saying only 97 % of the work has been completed but keep telling us different things that arent done after we show them that they are indeed complete. Weve been fighting to get the contractor paid since XX/XX/2023 and still only received the XXXX XXXX payment for him. Were now in fear of being sued by our contractor because BOK made him sign a waiver of lien before allowing him to begin the work. Our insurance company has completed their part, our contractor has completed his part, weve sent them everything they have requested multiple times and still nothing! The frustration and run around with this company is insane! Please help!!
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

Opened US Bank checking account for {$500.00} bonus if I made {$6000.00} in direct deposits within 60 days of account opening. 

XXXX : date account was opened - XX/XX/XXXX : {$2500.00} direct deposit - XX/XX/XXXX : {$2500.00} direct deposit - XX/XX/XXXX : {$2500.00} direct deposit - XX/XX/XXXX : {$2500.00} direct deposit - XX/XX/XXXX : {$2500.00} direct deposit - XX/XX/XXXX : {$2500.00} direct deposit After 90 days have passed since I completed the {$6000.00} direct deposits, I have called US Bank multiple times to check on the status of my bonus. I have been told different things each time. At first, I was told that I have met all requirements and bonus should be hitting my account within 30 days. Then when I called back again, they said I should have received the bonus already so they will open up a case to investigate and will update me once they finished their research. I never got a call back so I followed up again. They said they will file another request for me to get my bonus, but I still never received it. The last time I reached out to US Bank, they finally said that I did not meet the qualifications of the promotion.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastern Account Systems of Connecticut, Inc. (WV)

I have a collection on my credit report by Eastern Account Systems from XXXX. I did not use their service nor receive their equipment yet they say I have a balance due. Ive tried calling their basic support but to no avail. They had claimed the account is out of their hands but I never used them so the entire thing is wrong from the beginning. I finally did a XXXX  report and then got ahold of an executive from XXXX who is suppose look at the account, the usage, and everything to verify this. They told me to do another complaint to the collection agency as the collections account is not valid therefore shouldnt be reported.
Consumer complaint received 2018-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (UT)

Bank wire deposit on XXXX-XXXX-17 and the money was never a credited to my account on coinbase I 've numerously emailed support and they 've never responded except for automated emails and it 's been over a month call the bank in XXXX XXXX XXXX a week after the bank wire deposit and they confirm that the money was deposited in New York but yet coinbase will not credit my account as far as I 'm concerned it 's wire fraud the amount of the bank wire deposit is XXXX
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I am writing to file a formal complaint against JP Morgan Chase Bank for their failure to comply with the regulations outlined in the Electronic Fund Transfer Act Regulation E. On XX/XX/2024, I initiated a XXXX payment in the amount of {$1500.00} to a contractor for services that were never completed as agreed upon. Despite my repeated attempts to resolve the issue with JP Morgan Chase Bank, they have refused to refund the unauthorized transaction. According to Regulation E, consumers are entitled to protections regarding electronic fund transfers, including the right to dispute unauthorized transactions and receive prompt refunds. However, JP Morgan Chase Bank has neglected to adhere to these regulations and has disregarded my rights as a consumer. 
Furthermore, I am deeply concerned about the lack of knowledge and training among the managers and supervisors at JP Morgan Chase Bank regarding Regulation E. It is evident that there is a systemic issue within the bank that needs to be addressed to ensure that consumers are protected, and their rights are upheld.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AmeriHome Mortgage Company, LLC (CO)

I am writing to file a formal complaint against AmeriHome Mortgage regarding their failure to address a dispute letter I mailed to the address listed on my credit report, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, on XX/XX/2023. The letter was returned to me as undeliverable, indicating that AmeriHome Mortgage is not reachable at the provided address. Enclosed with this complaint are copies of the original dispute letter I sent to AmeriHome Mortgage, along with the returned mail envelope, as evidence that this creditor is not furnishing accurate information and that the account can not be verified.
Consumer complaint received 2024-02-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (MI)

I purchased my vehicle XXXX  from XXXX. XXXX sold my personal information to a XXXX party debt collector I noticed the contract was fraud so I requested from the debt collector 15 U.S. Code 1692g - Validation of debt sent under certified mailing XXXX  I informed the company of 18 U.S. Code 8 - Obligation or other security of the United States defined, I sent the company Affidavit Of Truth received XXXX via Certified mailing. Notice of fault in Dishonor received XXXX via certified mailing.
Consumer complaint received 2024-01-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

-- I did 6 wire transfers from my XXXX XXXX checking account to my Coinbase account and then from my Coinbase to an app called XXXX. 
This happened between XX/XX/XXXX and XX/XX/XXXX. 
l met a man from a dating app called XXXX XXXX. His name is XXXX XXXX. We talked from XXXX XXXX. His phone number is XXXX. He says he is a banker expert and he will teach me XXXX to do a short trading investment through Coinbase and XXXX. At that time l XXXX  XXXX and it shows that app was legitimate, that is why l decided to downloaded the app by the XXXX XXXX because l have an XXXX. l started with {$10000.00} and l made {$1700.00} at the first time. l was able to withdraw the money to Coinbase. l did everything under his lead, sharing screenshots from my phone to his what's app. One day, l do not know exactly when, he told me to apply for a campaign in XXXX, because according with him l could earn more money from that under his lead. l did that on the XXXX app in the customer section. On XX/XX/XXXX, he told me to withdraw my money because the trading figures were not good. I did the withdrawal but it was taking longer that we expected according to him. He told me to contact XXXX customer service. l contacted them and they said that l can not withdraw the money because l did not make the campaign so, I had to pay the 10 % penalty fee ( {$18000.00} ) to get my money. l asked them to take that money from my account and they said they can not do that because that was illegal. I talk to that man and he said that l should try to get that money to withdraw my funds. I did a loan in XXXX XXXX XXXX for {$22000.00} that money l spent on that and additionally l got a loan from XXXX. l got in total from XXXX and my salary {$4000.00}. I added that money to XXXX, but still l needed {$14000.00}. He told that he will help me. Suddenly, on XX/XX/XXXX that man blocked me from what's app. On XX/XX/XXXX l went to open the app and it did not open. l went to XXXX again and l found that the app XXXX is a scam. l was able to open the app later that day, until now l can contact XXXX customer service and they say just the same about the penalty fee.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (UT)

I found out my card was cancelled with AMEX on XXXX XX/XX/XXXX. I immediately contacted AMEX via phone. I was told they had initiated a financial review and I failed to comply with it. I asked why a financial review was initiated and they said it was proprietary information. When I asked what type of information they needed, they didn't tell me until the second phone call and that it wouldn't matter if I provided it now as the matter was closed. I requested, calmly, to speak to supervisors multiple times. I am waiting for a call back from one of 2 supervisors but am not optimistic one will call me, hence the complaint. 

I was not cancelled for non payment, having made a payment as recently as 8 days prior to the cancellation and during the review process, though my account is admittedly near it's limit and I make essentially the minimum payment and a little more monthly. 2nd person I spoke with on the phone said it's not a matter of not making the payments, but because I didn't provide them bank statements and paystubs, they cancelled my account for failing to comply with their financial review. When I said that cancelling my account for the financial review has the same effect as if they'd cancelled it for non-payment, she seemed not to care or acknowledge that fact. I said I feel this may be a violation of Consumer Financial Protection law, but again, she was unmoved. 

When I explained that as a military service member, who now has poor credit due to a pending divorce and that this would have prejudicial consequences on my military career and my ability to retain my security clearances, it had no affect. 

Apparently they mailed a letter to my home on XXXX XXXX ( while I was traveling for work ) and attempted to call me once as well as sent me an email that I believe went to spam. But my request to understand why my account was placed up for financial review in the first place is what feels prejudicial and punitive. And now the day I actually received notice, I'm being told it's too late to uncancel the card which I refuse to believe is the case and I've asked them to reconsider the cancellation and I'm happy to comply with the financial review now that it's been clearly communicated to me. 

The irony here is I was just charged the annual renewal fee for the AMEX platinum card and now that the account is closed, I've paid for benefits I'll be unable to take advantage of. I was also XXXX for military duty during this financial review timeline and yet that hasn't given me any grace period to get them the documentation they asked for. And I still don't know why a financial review was initiated, which feels prejudicial.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (OH)

I had did my taxes through XXXX XXXX. Through they Credit Karma services you can get your money early. I had got a {$2500.00} loan through them on XX/XX/2024. My virtual card was hacked through Credit Karma on XX/XX/2024 for about {$1500.00}. They investigated it and deposited the money in my account on XX/XX/2024 in the amount of {$1400.00}. On XX/XX/2024 I moved my money to my XXXX account. It was open for a few days and then they froze it they said to protect me. I been calling them since XX/XX/2024 starting at XXXX I was told to wait for an email. Even the automated system says wait for the email. I called back on XX/XX/2024 at XXXX I was told to wait for that email again. XX/XX/2024 XXXX called to see where the email is. And I called all day XX/XX/2024 my state tax was deposited. All this was supposedly on high priority. I have bills I need my money when my federal tax get deposited I want them to take their loan and give me my money. I did this with them last year and it always took a few minutes to clear it up. So this process for days and days is wrong. I have bills
Consumer complaint received 2024-02-09
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: CashRepublic Holdings, Inc. (TX)

Im a consumer who has been directly impacted by actions identified in CFPB consent order of 2020 against Omni Financial. 

Ive long disputed this debt and as its clear that Omni violated the MLA and EFTA, continued reporting against me is a violation of FCRA. 

Ive suffered numerous financial hardships by way of increased interest rates and credit denial because of these unjust reports. Omni has continued to report the same debt as 2 different derogatory trade lines with XXXX. 

I received no compensation after the finalization of CFpB consent order.
Consumer complaint received 2024-02-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (TN)

Received summons approximately XX/XX/XXXX XXXX XXXX regarding credit card debt collection via Cavalry Spv I , XXXX XXXX, represented by XXXX XXXX XXXX for {$1500.00} from XXXX. XXXX filed XX/XX/XXXX with XXXX XXXX XXXX. According to county case site, court date was XX/XX/XXXX. I am unsure why I missed court date, but I believe it is was due to time gap between notice and setting. I have never received any mailings from Cavalry Spv regarding collection notification. XX/XX/XXXX I received notice via my employer that my wages were being garnished. Contacted Cavalry and was instructed to contact XXXX XXXX XXXX. Spoke with representative at XXXX XXXX XXXX on XX/XX/XXXX to inquiry case since I have never received notice from them except summons from county two years prior in XXXX. Asked rep why I was not contacted regarding debt or potential wage garnishment and was told " all information has already been provided ''. Let rep know that I have not received any mailings from them nor Cavalry but was told again that " was not true ''. Was asked if I wanted to settle over the phone to stop garnishment and I declined and was going to seek legal counsel. Debt is now past statute of limitations. I was never provided with my rights to dispute, proof of debt validity, nor notification that wage garnishment process had begun
Consumer complaint received 2024-02-08
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: SYNCHRONY FINANCIAL (FL)

I was reviewing my credit report with XXXX Reporting agency and discovered an inquiry from Synchrony ( Bank ) that was done on XX/XX/2022. I have never applied for any credit or services from this Bank / Company. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my XXXX credit history and any other agencies that they use.
Consumer complaint received 2024-02-08
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: Synovus Bank (FL)

I was reviewing my credit report with XXXX XXXX XXXX and discovered an inquiry from Synovus Bank that was done on XXXX XXXX. I have never applied for any credit or services from this Bank XXXX Company. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my XXXX credit history and any other agencies that they use.
Consumer complaint received 2024-02-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Deinde Online Services, LLC (IN)

I have attempted to dispute the claimed debt owed multiple times directly with the companies and with the credit reporting agencies to no avail. The companies continue to report unverified collection accounts even after I have asked for verification docs, account statements, original agreement copies, and proof of their legal right to even attempt to collect on the alleged debt - all requests have gone unanswered. I have requested this information in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no response. According to the collection companies own websites/consumer portals - my information does not link to a record within their files yet they continue to claim and report thousands of dollars as owed to them to the credit reporting agencies. This fraud and their lack of being able to properly verify the debt should mean that the debt is uncollectible and therefore they should cease reporting the incorrect information and promptly remove the reported info linked to my personal info from all credit reporting agencies.
Consumer complaint received 2024-01-27
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (LA)

I purchased a card on XX/XX/XXXX from XXXX and I put {$400.00} on it and I lost the card within the hour. I called the company visa vanilla gift and reported that the card had been lost. They did not put a block on the card, the card was found and used And they theyve given me two different case numbers now Ive called I have record of calling over just about 20 times. Ive talked to them about 8 to 9 hours since XX/XX/XXXX and Im just getting the runaround every person I talk to the last person I talk to has informed me that they did send Replacement card but to the wrong address now the last person I talked to today which would be three people now that have informed me that they had the wrong address since then they have supposedly corrected it but I dont know
Consumer complaint received 2024-02-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IN)

I bank on line. My income is Social Security which checks are received the XXXX Wednesday of month. Once or twice a year because of how the Wednesday falls, my payment might bea day late. My due date is the XXXX of the month. My bank sent my FINAL payment on my account with Catherines  ( held by Comenity Bank in XXXX, Ohio ) on XX/XX/2023. The bank indicates payment PENDING until it is delivered and then indicates PROCESSED. It was processed on XX/XX/2023. I received a bill in XXXX indicating my payment and a {$41.00} late fee. I contacted Catherines  and they refused to remove this charge. I contacted Comenity twice and they refuse. I closed my Catherine Account. I continue to received additional charges now to the tune of {$240.00}. I believe the problem is with their POSTING OF MY PAYMENT. In addition, I believe that all circumstances surrounding this payment should be considered within the realm of reason. 

I received a correspondence recently that underscores my belief that Comenity is about GREED AND XXXX  THEIR CUSTOMERS. I have held accounts with other Comenity charge cards. You can go through all of them for years and see how I have paid my accounts. Late charges were always due to SS checks and I have always either contacted them or paid. I am XXXX XXXX XXXX on fixed income. I have been a good customer. 

Comenty bank charges 29 % interest and for me {$41.00} late fees or more. Interest is usury and should be stopped for all these credit card companies. It used to be that anything over 15 % was named USURY! This manner of treatment of customers is criminal and I look to your organization and others to do something about this. I will not pay these charges! They are wrong and I do truly believe criminal!
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (GA)

I have a credit card with first access visaand I've had it for a good minute my concern is I was charged a late fee ofA {$41.00} in the month of XXXX of XXXX and the month of XX/XX/XXXX I made my 2 payments on the day of which is the XXXX of the month I call to request to have those 2 41 late payments wave they put the request in and they only gave me a {$10.00} credit. I make my payments on time every month for years since I've had this card. On the payment website it does not state if you make a payment after XXXX XXXX it's going to be late.
Consumer complaint received 2024-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (IL)

My mortgage was transferred from XXXX XXXX, to Shellpoint Mortgage Servicing effective as of XXXX XXXX XXXXI never received any information from Shellpoint with the process to register and submit ACH payments. 

I have tried repeatedly to call the company, but they do not have a customer service line that will allow you to speak to a representative, therefore there is no way to send a payment.