davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CONGRESS COLLECTION CORP (IL)

IT IS ILLEGAL FOR A COLLECTION AGENCY TO BUY DEBT AND COME AFTER A CONSUMER FOR DEBT WITHOUT A WRITTEN CONSENT ACCORDING TO LAW 15 U.S.C 1681B. FURTHERMORE I HAVE SENT NOTICES AND MAILED LETTERS TO THIS COMPANY MAKING YOU GUYS AWARE OF THIS FRAUDULENT LEASE THAT WAS TAKEN OUT IN MY NAME WITHOUT MY KNOWLEGDE OR CONSENT, AND THIS COMPANY CONTINUES TO IGNORE MY CLAIM AND NOT HONOR MY RIGHTS. CONGRESS COLLECTION DIDNT TAKE THE PROPER STEPS TO FULLY VERIFY THIS ACCOUNT BEING FRAUD, AND THIS COMPNAY DISHONORED MY CONSUMER RIGHTS AS AN AMERICAN TO PROPERLY INVESTIGATE THIS FRAUD ACCOUNT AND SEND ME PROOF OF FINDINGS, ALL IN ALL NO COLLECTION AGENCY UNDER SHOULD BUY, REPORT, OR PURSUE A CONSUMER FOR A DEBT WITHOUT WRITTEN CONSENT WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), ESPECIALLY IF THIS LEASE ACCOUNT IS FRAUD, THIS COMPANY ALONG WITH THE CRIMINALS WHO STOLE MY IDENITY COMMITED FRAUD. THIS COMPANY CONGRESS COLLECTION THEN STATED YOU SPOKE TO A FRAUDSTER ON THE PHONE IN XX/XX/year> AND THEY STATED THEY ARE AWARE OF A BALANCE AND WILL PAY. IS THIS THE PROPER STEPS FOR A COLLECTION AGENCY TO VALIDATE A DEBT? THESE FRAUDSTERS USED MY IDENTITY TO OBTAIN A LEASE, AND IN DOING SO THESE FRAUDSTERS PLACED THEIR CONTACT OUTLETS ON FILE, SO CONGRESS COLLECTIONS CONTACTED A FRAUDSTER ON XX/XX/year> REGARDING A DEBT THAT WAS FALSELY OBTAINED. HONOR MY RIGHT, MY CLAIM, AND THE LAW AND REMOVE/DELETE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT
Consumer complaint received 2024-09-11
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: CAVALRY INVESTMENTS, LLC (NY)

In response to the letter that Calvary Portfolio Services sent to CFPB stating that they can not provide the documents I demanded to prove that I owe them the debt that they claim that I allegedly owe until I remove the cease and desist. I respond to state that I remove the cease and desist. In the letter Calvary states that they affiated acquired this account from citbank. This means that Calvary took my nonpublic personal information such as my social, address name etc without me knowing which violates my privacy rights as a consumer. This is a form of identity theft mishandling my social security number which is a serious violation. XXXX never gave me the option to opt out. Calvary states that they dont need my permission to report debt but they are reporting debt that I do not owe. I never done business nor did any transaction with Calvary to owe any debt. It is unlawfully to report transaction history on a consumer report without proper authorization as stated in 16CFR 313.7. This regulation prohibits the disclosure of sensitive personal information without a consumers consent. Additionally 16 CFR 433.2 which addresses the preservation of consumer claims and defenses is relevant to this context. This regulation ensures that consumers have the ability to assert their rights and defenses including the right to dispute inaccurate and unauthorized information on consumer reports. I am demanding again the documents that will prove I owe this debt to Calvary Portofilio Services together with a Purchase agreement the documents I demanded are 1.audit Trial, 2.forward flow Agreement, 3.account ledger, 4.chain of title, 5.chain of custody, 6.affidavit of debt, 7.affidavit of custody and 8.original due holder en course of this debt. Also want all communication to be here on CFPB.
Consumer complaint received 2024-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (NY)

XX/XX/XXXX - I was granted a loan Assumption and tried to access my mortgage account online through Freedom Mortgage but the online account was no longer accessible. I called Freedom Mortgage and they told me that they have no way for anyone with an assumption to access their account information online. So I now do not have any access to my loan information online including a way to pay my mortgage on auto pay and to manage it electronically. They told me I had to send a written form request for an ACH payment to come out of my bank account. I sent the ACH form by fax on XX/XX/XXXX and was told it was recieved by Freedom. However, they can not confirm when the ACH will actually be authorized and if my payment for XXXX will be made on time. I am concerned about whether my payment for XX/XX/XXXX will be paid on time. They are refusing to take any payment over the phone. So if Freedom Mortgage does not process my payment by this month 's deadline, how will I make my mortgage payment on time? They are not helping me. And, now I have no access to my account online. They told me that they have no way of fixing access to online accounts for anyone with a mortgage assumption and there is no timeline as to when someone will be able to address it. I NEED access to manage my own account online! And I need a timely manner in which to pay my mortgage and be able to adjust that payment easily. I should not have to submit a paper form every single time I want to make or adjust my payment. This is preventing me from managing my account in a timely manner and this is not right! I was granted this assumption legally and should have FULL access to every detail of my account on line. I had more access to this account before the assumption! Now I am locked out of my own information. This is not right! My information should be 100 % easily accessible.
Consumer complaint received 2024-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: HYUNDAI CAPITAL AMERICA (MD)

In XX/XX/XXXX, I purchased a used XXXX Hyundai Accent from a dealership in New York XXXX called Hyundai of XXXX XXXX XXXX. I was informed that the previous owner had a lien on the vehicle and was unable to complete her payments, so she resold it to the dealership. I paid for the car in full using a cashiers check and received the bill of sale. Since I was living in New Jersey at the time, the vehicle was registered there. 

In XXXX, I attempted to transfer the vehicles registration and title to my new state of residence, Maryland. During this process, I discovered that XXXX XXXX XXXX records still show a lien on the vehicle. I never took out a loan or had a lien on this car, as I paid for it in full in XXXX. 

I reached out to the dealership where I purchased the car, only to find out that it has since closed and was bought out by a new Hyundai dealership, which does not have access to the prior dealerships records. 

After weeks of contacting Hyundai Capital America and speaking with multiple representatives, I was informed that Hyundai has no records they are willing to release regarding the sale and that they do not have a lien on record for the vehicle. They claim the issue is with the XXXX in New Jersey. However, after spending countless hours on the phone with the XXXX, I was told they can not remove the lien without proper documentation from Hyundai, such as a release of lien or a letter of no interest. 

Hyundai Capital America has refused to provide these documents and has not offered any solutions to resolve this matter. It seems that when I purchased the vehicle, the previous owners XXXX was either fraudulently or mistakenly not removed, and now Hyundai is refusing to help correct this issue.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint against USAA regarding numerous violations associated with my consumer auto loan. My experiences with USAA have been marked by deceptive practices and factual inaccuracies that have significantly impacted my financial standing and overall confidence in their services. 

Background of the Complaint I had an auto loan with USAA that was charged off several years ago. Since that time, I have received multiple refund checks from USAA for payments made on my account. However, these checks were issued long after the loan was charged off, raising concerns about the handling and crediting of my payments during the life of the loan. 
Deceptive Practices and Unfactual Responses Lack of Access to Information : USAA claims to have sent me documents regarding changes to my consumer loan ; however, they deceptively removed my online access. Despite my repeated requests, they failed to physically send me any documents, statements, or loan documents of any kind until after the loan was charged off. They only provided documents via XXXX, which I was barred from accessing. 

XXXX XXXX XXXX : USAA has claimed that they refuse to conduct further business with me, yet I continue to receive requests to apply for new credit cards. This inconsistency raises serious doubts about their stated intentions and business practices. 

Refunds for Misapplied Payments : USAA has sent me refunds related to my auto loan and credit cards, which they mishandled. They failed to properly apply payments, mishandled disputes, and did not honor the final results of their fraud investigations. The numerous refund checks I received years after closing my accounts indicate that USAA was at fault, despite their accusations against me of improper actions. 

Request for Investigation Given the circumstances described above, I am requesting that the Consumer Financial Protection Bureau investigate USAA 's practices in managing my auto loan account. I believe that their actions may violate consumer protection laws and regulations designed to ensure fair and transparent lending practices. 

Conclusion I appreciate your attention to this matter and hope that your investigation will help ensure that USAA adheres to the legal and ethical standards expected of financial institutions. If you require any additional information or documentation to support my complaint, please do not hesitate to contact me. 

Thank you for your assistance in addressing this important issue.
Consumer complaint received 2024-09-12
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. (VA)

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, submitted a fraud claim with my bank XXXX XXXX XXXX XXXX ) and with the XXXX XXXX XXXXXXXX XXXX XXXX. in the amount of {$4600.00}. A check ( check # XXXX ) that I had written to XXXX XXXX XXXX in the amount of {$1600.00} for XXXX XXXX XXXX after a storm was altered by washing the date off completely, by altering the Payee to XXXX XXXX XXXX, by altering the amount to {$4600.00} and by completely washing off the memo part. My signature was the only part not altered. XXXX XXXX XXXX  submitted to JP Morgan Chase Bank a claim dated XX/XX/XXXX under the Uniform Commercial Code XXXX Presentment Warranties requesting they submit the funds back to XXXX XXXX XXXX so that they could credit our account. On XX/XX/XXXX, Chase Bank declined the request with the reason that the signature on this check was not similar. Bold face lie, that is the only part of the check that was not altered. XXXX resubmitted the claim but it was denied again. I did not receive this information until XX/XX/XXXX. I submitted my own request to Chase and XXXX on XX/XX/XXXX. To date I have heard absolutely nothing.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP (TX)

XX/XX/XXXX complaint against XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX complaint against Keybank XXXX I made several complaints against Keybank to CFPB XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I had a checking and savings bank account with Laurel road bank. It's Keybank during XX/XX/XXXX. Due to my check being on hold and direct deposit, they threatened to close my account. Not only this unfair and unreasonable bank held my money for weeks but now but later closed my account. In XX/XX/XXXX I got this letter from Keybank stating that they had charged {$20.00} overdraft fees into my account even when they were closing my account. At the time of closing my account and stealing my money, Keybank threatened that they will put negative remark on my history. When I tried to open a bank account at XXXX, account was opened and then XXXX closed it. When i called XXXX on XXXX XX/XX/XXXX, I was told that due to remarks by Keybank, they are going to close my account. Due to this early closure- I am missing {$300.00} cash back bonus. 
In their XXXX XX/XX/XXXX letter XXXX mentioned that : Please be advised that we may furnish negative information to a consumer reporting agency, including but not limited to, your account being closed I want strict most action action against Keybank. They stole my {$20.00} and then on top of it, made my report negative that i can not open any other new account. Keybank never gave me opportunity to fix the issue. Keybank took some unilateral decisions against me and now causing harm in future also. If I don't have bank account ( due to negative remarks from Keybank ) -I can not do any job. Will keybank pay for all my damages. I want immediate damage control by Keybank and pay for my damages ( {$20.00} overdraft and {$300.00} promotional offer of XXXX ). Keybank can not send me in circles and ask me to reach out to XXXX. 

Keybank messed up with my credit profile and provided the information to early warning system that there has been an identity fraud in my account on XX/XX/XXXX Keybank Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

Both Keybank and XXXXXXXX XXXX XXXX are playing games with me and sending me in full circles. I am falsely being accused of having " Checking account fraud '' and that remark had been put on my credit profile. As a result, I can not open the bank accounts. 
If I reach out to XXXXXXXX XXXX, then KeyBank simply says go to the XXXX XXXX XXXX. If I reach out to the XXXX XXXX XXXX then the XXXX XXXX XXXX says go to KeyBank. This is ridiculous and I am sent in circles. 
I sent an email and both are being CCed here and they need to fix this mistake. 

If I don't have a bank account, I can not have direct deposit and that impacts my ability to get a job.
Consumer complaint received 2024-09-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (GA)

The collection account was opened on XXXX for {$580.00} by Southwest Credit Sys for a company that I was not with at the time and had not provided an address or phone number too. It resulted in a massive drop in my credit score and was the reason i was denied a role very necessary loan for my livelihood. I am aware that the most recent National data breach has put a significant number people at risk for identity theft, and could have resulted in this inaccurate reporting which is in violation of the FCRA specifically 15 USC 1681.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I did not consent to a credit check in order to obtain an account with Capital One. A hard inquiry was done on my social security number and a credit card was issued in my name. 

I did not consent to the credit check and I did not apply for a credit card.
Consumer complaint received 2024-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC. (FL)

In XX/XX/2023, XXXX XXXX XXXX took the significant step of filing for XXXX  XXXX bankruptcy protection, revealing a staggering debt of nearly {$900.00} XXXX. 
I signed a contract with them on XX/XX/2023, to provide alignments to my son 's teeth for 2 consecutive years and they provide 7 months of alignments only, and then I tried to reach them but did not answer their phone, and I found that they filed for Bankruptcy in XX/XX/2023. I received a call from Health Care Financial Direct telling me that they are a 'payment processor ' for XXXX, but they are a Collection Agency, I am pretty sure Smile XXXX XXXX knew that they would disappear from business and created a backup business to still collecting the money to consumers like me after they closed their doors.
Consumer complaint received 2024-09-11
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: SANTANDER HOLDINGS USA, INC. (FL)

On XX/XX/2024, XX/XX/2024, XX/XX/2024 and XX/XX/2024 Santander Consumer USA completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX to remove these inquiries and all attempts failed.
Consumer complaint received 2023-07-28
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: U.S. BANCORP (FL)

On XXXX XXXX, XXXX I requested a balance transfer of {$5600.00} to pay my XXXX 's XXXX credit card. XXXX, XXXX, I noticed on my XXXX XXXX statement that my {$5600.00} had not been credited. I contacted XXXX to inquire about my payment. They asked me to send proof of payment. On XX/XX/XXXX, I sent proof of payment. XXXX credited my account temporarily pending their own research. When they researched, they found no payment received. I continued to argue with them for several months. They would credit my account pending research and then re-debit when no payment was found. On XX/XX/XXXX, I opened a complaint with you, the Consumer Financial Protection Bureau. After much research, you closed the complaint. So if you are satisfied that XXXX never received the payment, SouthState Bank must never have sent it. So I am hereby opening a complaint against SouthState. XXXX XXXX requested from Southstate the Routing number and account number to where SouthState sent the funds. SouthState only sent a reference trace number.
Consumer complaint received 2023-01-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist can not properly process loan payments made to accounts formerly originated by Suntrust bank after merging the accounts when the acquisition of Suntrust was complete. Truist created XXXX loan numbers for a single HELOC after the conversion. I have made payments to the published address and account number per Truist 's monthly account statements. The balance of this loan is being tracked on the subordinate account number, but Truist can not apply payments properly. I have called every month for the past XXXX months to correct the billing statements. 

Each month a different Truist representative has given me different instructions on how to get their system to properly apply my payments. Each month payments are applied differently even if the check is identical to the previous month. Now, I am receiving letters stating my account is past due even though I have the cashed/cancelled checks proving the payments were made on time. Truist 's collection department is calling my home after business hours demending payment even though I expressly prohibited the bank from calling my home or cell phone after the sixth call attempting to fix the payment processing issue. The collection agents are not verifying my credentials and are demanding payment creating a concern of identity theft. The debt XXXX are from overseas locations, and they will not address my issue, refuse to acknowledge my cancelled checks, and state the payments have been voided by Truist. 

I have made my {$390.00} payment due on the twelve of every month per the terms of the loan agreement. Truist typically cashes the checks which clear my checking account on or before the XXXX of each month. I must call the customer service number on the statement to address the issue after it is received around the XXXX of each month. 

Truist is violating the FCRA by not properly providing accurate balance information on monthly statements, and refusing to address the issue causing the payments from being applied to my principal is its conversion from Suntrust 's loan accounting system to Truist 's. 

For the record, I have made every payment per the loan agreement.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Fraud was committed against me on Friday, XX/XX/year>, in XXXX XXXX, NV. Money was taken out of ATMs and other fraudulent ways by a presumptive " XXXX XXXX, '' potentially due to a " XXXX '' used. More than {$5000.00} was stolen from multiple transactions against my property and me. These are felonies. Chase failed to investigate thoroughly and made claims that a physical card was used and, therefore, is holding me responsible for the money and has threatened to take the money back from me. Chase knows very well that " Cloning '' cards is rampant ; a simple XXXX search will tell anyone. 

I was in XXXX, California, near my home, more than 500 miles away from XXXX XXXX, at the same time, using my Debit Card and a Chase credit card. Chase has this information ; it's ignoring it. Additionally, video recordings of the withdrawals will show that it was not me. I alerted Chase on XX/XX/XXXX that my account was compromised and they verified that someone hacked my account. Chase then assured me it would scrutinize my account for 90 days for fraudsomething they obviously did not do. I have filed a police report and alerted the XXXX Attorney in XXXX XXXX, NV. I have also filed a complaint with the Federal Trade Commission.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.