davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (IL)

On XX/XX/2023 The principal/consumer purchase a contract for a vehicle from XXXX and a check was tendered on behalf of the principal XXXX XXXX XXXX for the purchase. The principal also reserves all its rights, titles, security interest and interest and cant be denied his rights per state and federal law to all chattels, checks, titles, contracts, premium, negotiable documents, securities, credits, and interest in any consumer or business transaction. Pursuant to the 15 U.S. Code 1605 - Determination of finance charge is the sum of all charges. I have given and are giving further notice that I did not waive my right or opt out of my rights per state and federal law of all chattels, checks, titles, contracts, premium, negotiable documents, securities, credits, and interest in any consumer transaction. On XX/XX/2023 XXXX turned over my check to American Credit Acceptance which is indeed an error as XXXX XXXX XXXX is holder in due course the check should be tendered for accord and satisfaction of the principal performance. I have attached the return and refund notice made out by XXXX of the refund check of ( {$23000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX being sent to American Credit Finance when it should have been tendered to the principal XXXX XXXX XXXX. The principal has given collateral but hasnt received any value for all chattels, checks, titles, contracts, premium, negotiable documents, securities, credits, and interest of the contract and consumer transaction. XXXX and American Credit Acceptance are in violations of ( 815 ILCS 505/ ) Consumer Fraud and Deceptive Business Practices Act. ( The Federal Trade Commission Act, The Consumer Financial Protection Act, The Truth in Lending Act, 12 CFR 1026.2 and The Uniform Commercial Code all governed my state and federal law.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

XX/XX/year> a notice of account was being closed. Called Citibank to ask why. No details they frozed my whole account and debit card. I have {$330000.00} remaining in my bank. This is a business account. I called numerous times and kept hitting dead ends. No one is telling me whats going on with my funds. No cashiers check has been received. Its stopping my business from flowing. I have nothing to pay contractors.
Consumer complaint received 2024-11-06
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (HI)

AmSher Compassionate Collections said I owed {$78.00} from a cell phone company, which is a debt I already resolved and paid off last year, XXXX. I initially stated I wanted to pay the debt so I could get it resolved, assuming there was a mistake when trying to pay it last year. The representative discouraged me from doing this saying it would stay on my credit report for XXXX  years and affect my credit score by paying the amount off in full. Instead he continued to insist I pay them a {$300.00} upfront fee to dispute the claim and then $ XXXX  monthly fee to clean up my credit report and improve my score. I said no many times and he continued to pressure me and suggest I use prepaid cards since I didnt want to provide my debit card information.
Consumer complaint received 2024-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (MN)

On XX/XX/XXXX approx. XXXX I went to XXXX XXXX ATM machine in XXXX XXXX XXXX XXXX MN XXXX I withdrew {$1000.00} on my debit card and the ATM did not give me the cash, but took it out of my account. I immediately called the XXXX number and they said it will just be in a pending state and then cancel out at either XXXX or XXXX, which it never did. Called the morning of XX/XX/XXXX XXXX stated she hates when they tell customers that and filled a report, she was treating this as fraud and questioning my XXXX other debits of {$1000.00} on XX/XX/XXXX, I said I was not disputing them. She claimed to file report. Called on XX/XX/XXXX to verify report was file, and it was not. Filed another claim, and now they are saying the dont own the machines and they dont get balanced out until Wednesday or Thursday. Now they are saying XXXX day investigation. I just want my {$1000.00} back and for them to quit lying about the steps to fix this.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX XXXX which falls under XXXX XXXX  according to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX Account Number : XXXX
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

XXXX XXXX my spouse was victim of a XXXX scam through PNC online banking. I was t there when it happened but I called our bank immediately. They refused to reverse the charges- there were five separate XXXX transfers ( total of {$1000.00} ) out of our checking account. I changed the user name and password on the online banking account. I filed dispute the next day and on XX/XX/XXXX they denied the dispute. I went to the branch office today and they said it was denied because payment was made out of the same location. I argued there is no way we would authorize five XXXX amounts and perhaps the phone or online account was hacked. She agreed to file a complaint. I was then told theyre going to close our account! I called a number they gave me and she said all she can do is have someone call me Back regarding keeping our account open.
Consumer complaint received 2024-11-01
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (NY)

The issue is regarding a debt collection that has recently appeared on my credit report. I noticed that a collection account was reported without any prior notification or communication from the collection agency. The collection agency is Jefferson Capital Systems LLC. 
The details of the debt are : Amount owed- {$1600.00} Account openedXXXX XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account and held my cash of total sum ( {$510.00} ) for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be because all my registration details were correct, And I have not been able to get help from them for weeks. But I just remembered I could file a report here as I feel they are not doing their job properly and it is affecting a great deal as I used PayPal quite frequently. My Email Linked to the my PayPal account is ( XXXX )
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST HOME MORTGAGE CORPORATION (MD)

I requested incorrect information to be removed from my credit report and requested complete billing and payment history. I also got a certified copy of a UCC 11 after I did a lien search. It showed I have no active liens. I got a certified copy and sent it to them also.

Payment history is incorrect as well as former addresses, names etc. There are inquiries on my report that I never heard of. I opted out of them sharing my information also. I have a current UCC 1 filed and accepted by the New York Dept Of State. I am the secured creditor of all my debts.
Consumer complaint received 2024-11-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Debt Verification Letter XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] MIDLAND CREDIT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX Subject : Request for Debt Verification Account Number : [ XXXX, ] Dear [ MIDLAND CREDIT MANAGEM I am writing to formally request validation and verification of the debt your company claims I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. Please provide detailed information so I may determine whether I am indeed responsible for this debt.

In particular, please send me : 1. The original creditors name and address associated with the debt.

2. The amount of the debt, including a breakdown of any fees or interest accrued.

3. Proof that your agency has the authority to collect this debt, including any documentation confirming your assignment or ownership of the debt.

4. Details of the original agreement that created the debt, to verify the legitimacy and accuracy of the claim.

Please treat this letter as a formal dispute of the debt and cease all collection activities, including reporting on my credit, until the requested information is provided. Additionally, please be aware that any attempt to collect a debt without validation is a violation of the FDCPA.

Thank you for your prompt attention to this matter. I look forward to receiving the necessary information to resolve this issue. 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Texas XXXX Phone Number XXXX email : XXXX XXXX
Consumer complaint received 2024-11-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

U.S.A.A. unexpectedly locked my account without prior notification, requiring me to submit my identification to usaa.com/idproof at the end of the month when bills are due. This occurred on a Friday, and U.S.A.A. informed me that the process would take 2-3 business days on a Friday evening, approximately 30 minutes before closing. I patiently waited for the 2-3 business days, but unfortunately, I did not receive any results. Consequently, I moved on to the 5th business day and 7th day total, only to discover that the process needed to be resubmitted on another Friday, incurring another 2-3 business days ( U.S.A.A. does not consider weekends or holidays ).
Consumer complaint received 2024-11-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (CA)

{$1000.00} balance with XXXX  XXXX. Working with True Accord. 

Here the letter I send them on Validation of Debt Request Letter XXXX XXXX XXXX XX/XX/year> TrueAccord Dear TrueAccord, Re : TrueAccord account number is : XXXX I received a notice from your agency regarding an alleged debt. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request validation of the debt. Please provide the following documentation : The name and address of the original creditor. The current amount of the debt. Proof that your agency has the right to collect this debt, including any documentation showing authorization or assignment from the original creditor. Any judgments obtained in relation to this debt. Proof that the debt has not passed the statute of limitations. Please verify that this debt is valid and within the statutory timeframe for collection. Failure to provide this information within 30 days will result in my presumption that the debt is invalid and uncollectible. Please send the requested documentation to : XXXX XXXX XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-05-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current (MN)

This is a " banking '' app that is supposed to be a bank account. I and all my children have accounts through them, so I can use it to pay them for allowance, chores, etc. I opened the app to pay my son and it showed I was logged out of it. When trying to log in it gives me an error message, " Something Went Wrong. Please wait a moment, and try again. '' I have tried wiping all data, uninstalling and reinstalling the app, and I even tried it on another phone. I first contacted support at the end of XXXX. Support has been useless and slow to respond. They have asked me to do the actions I described above, but nothing has changed. They take days to respond, and several times have come back saying they see the problem has been resolved, though it has never been resolved and I have been unable to access my account. They went 14 days since their last communication to me, and then just sent me a message again saying that they saw it was resolved, even though it has not been. Now they have transferred all of my son 's money from his account into my inaccessible account, so neither of us can access our money now. For a banking app, they have been useless for actual banking as we can not access our own money!
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (AL)

I am writing to formally dispute the validity of the debt referenced on my credit report regarding account number XXXX. 

I assert that I am not liable for this debt. The documents you provided, specifically a blanket bill of sale with a random signature, does not constitute adequate verification of the debt. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e ( 807 ) ( 2 ) ( A ), debt collectors are prohibited from making false, deceptive, or misleading representations regarding the character, amount, or legal status of any debt. 

The case XXXX XXXX XXXX XXXX XXXX XXXX XXXX underscores that debt XXXX must provide valid proof of the debt, including documentation that they have the right to collect it. 

Additionally, the ruling in XXXXXXXX XXXX XXXX  confirms that a blanket bill of sale without sufficient proof linking me to the debt does not satisfy the verification requirements under the FDCPA.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GLOBAL CREDIT UNION (AK)

Subject : Formal Complaint Regarding Unauthorized ACH Transfer of VA XXXX XXXX Benefits To Whom It May Concern at Global USA Credit Union, I am writing to formally lodge a complaint against Global USA Credit Union regarding the unauthorized redirection of my VA XXXX XXXX benefit payment to an account associated with known fraudulent activity. This incident has caused me significant concern and financial distress, especially as it pertains to funds allocated for veterans benefits. 

On XX/XX/year> my VA XXXX XXXX benefit payment for {$1400.00} was transferred to an account under the name XXXX XXXX, who has a known history of overdraft issues and other questionable activities that Global USA Credit Union is already aware of. This redirection of funds was conducted without my authorization and seemingly to recoup overdrawn funds from this individual, despite my repeated requests to be removed from any association with this account. 

Furthermore, prior to this incident, I had communicated multiple times with your representatives regarding the issues involving this account and my explicit request to be removed from any connection to it. Despite my efforts, it appears that Global USA Credit Union chose to alter the destination of my ACH payment from the U.S. Department of Veterans Affairs ( VA ) without my permission or proper cause. 

It is important to note that the VA confirmed, following their own investigation, that they have only one valid account on file for my VA XXXX XXXX payments, which matches the account into which my previous two payments were successfully deposited. The VA representative spoke directly with a member of your team to verify this fact, and they, too, were assured that no changes had been authorized by VA. 

I demand an immediate investigation into this matter, along with a reversal of the redirected funds to the correct account. Additionally, I request that my account information and VA benefits be safeguarded against any unauthorized or unwarranted actions in the future. 

Please provide a response within [ a reasonable timeframe, e.g., 10 business days ] outlining the steps that will be taken to address this issue and to prevent similar occurrences in the future. Failure to resolve this matter satisfactorily will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Reserve, and other relevant regulatory bodies to ensure that Global USA Credit Union upholds its duty of care towards its members. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
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)

I got scammed XX/XX/XXXX they charged my account $ XXXX XXXX. The XXXX one went through and the last XXXX got flagged. XX/XX/XXXX My social media got hacked. 

XX/XX/XXXX while the transactions were still pending, right after I saw the notification of the charge, I called Chase customer service right away. I also called XXXX. XXXX said they're going to wait for my bank to contact them so they can give me my money bank. I tried to dispute from the bank and they said they'd help me so they opened a dispute case and said they'd give me an update. Today, XX/XX/XXXX I opened my Chase online account and it says the dispute case is closed without giving me an update or a reason why. When I talked to Chase customer service on XX/XX/XXXX they said that they'd communicate with XXXX which is the company that charged me {$1400.00} to help me get my money back but it seems they didn't do anything.
Consumer complaint received 2024-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (GA)

This debt of medical bill is not mine I have attached a identity theft affidavit I have no acknowledgment of this account this company has violated 15 USC 1692c without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with collection of any debt. I have been violated not only by that code but falsifying information and putting it on my credit report.
Consumer complaint received 2024-11-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (TN)

I obtained the loan in XXXX from XXXX XXXX  company the interest rate was 14 %. They filed bankruptcy I do not have the dates. After this the mortgage was sold at least XXXX more times. The last company was Specialized Loan Servicing. I applied for a loan modification after talking with them regarding the 14 % interest rate it was denied. I then applied for a refinancing with XXXX XXXX and the loan officer referred me to your office. She said that I might be a victim of predatory lending, due to the high interest rate, & payments have now exceeded the actual value of the home itself. I would have to look back at all of my paperwork to get actual dates for you if you need them. I will have to research all of my paperwork to find dates. On XX/XX/XXXX I received notification that Specialized Loan Servicing was transitioning to a new company called Shellpoint, however, we would keep our same account number.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

I am the personal representative of a recently deceased XXXX  citizen who held several US assets, including a Chase savings account. To access that account so that I distribute the funds to the decedent 's beneficiaries I provided Chase with ( i ) two forms of photo identification, ( ii ) a signed copy of the will naming me the decedent 's personal representative, ( iii ) the original XXXX  death certificate, with an apostille on the reverse side, and ( iv ) an English translation of the XXXX  death certificate and apostle, signed and notarized by a US based and certified translator. After much back-and-forth with Chase representatives, who claim to be conferring with the Chase legal team, Chase representatives insist that I need to furnish an apostille affixed to the English translation. Since I used a US based and certified translator, and am submitting the English translation to a US bank ( Chase ), there is no reason to have an apostille on the translation, and getting one comes at significant cost. If I had hired a translator based in another country to produce the English translation, an apostille of the certificate of translation would make sense, but as I said, I used a US translator. Not only will Chase not explain why they need an apostille affixed to the English translation, but they refuse to email me instructions or explanations as to what I do need to provide and will only convey messages via phone. This adds to my administrative burden, plus it makes it harder to explain to the decedent 's family why I will be spending several XXXX dollars on an additional translation, notarization, and apostille. Having a written account that Chase is requiring this extra translation and apostille is especially important as several of the decedent 's beneficiaries are familiar with the basics of international law and understand that there is no rational basis for requiring an apostille on a US issued translation. I do not want the decedent 's family to think I am being wasteful with their inheritance. More importantly, I do not want to waste their inheritance on unnecessary documentation.