davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX  XXXX XXXX closed my checking and savings account without my written consent to do so, and without my permission, without having written expressed consent. I did not receive any notice before, doing or after they closed my accounts. when I extended my credit to open the accounts. XXXX  XXXX XXXX have violated the truth in lending act, Regulation x, y and z. They have violated 31 cfr 357, and the gramm-leach- bliley act ( 12 usc 1811 ), 15 usc 1681, 15 usc 1681c-2, 15 usc 1681e, and 15 usc 1 15 usc 6802a 1-3, 15 usc 6802 b a-c 15 usc 6801 they have reported the closing of all of my checking and savings accounts and now they are affecting me personal, financial and has cause me harm. This account is also insured by FDIC and according to the FDIC rules a consumber must opt-in to overdraft protection. These accounts have been open for a few years and who gave them permission to closed them? and also they where charging fees which are against the law, and they need to be held accountable for all of the fraud and deceptive practices they are involved it. they have violated my rights, and my privacy without my written expressed consent.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. CITICARDS CBNA XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

On XXXX XXXX XXXX a ID theft report was filed to the Federal Trade Commission in regards to Unauthorized Inquires, Charge-offs, and Creditors on XXXX, XXXX, and Equifax credit reports. FTC report number is XXXX. Please remove all inquiries, charge offs, and creditors listed below. I did not authorize any of the following information. 
.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (IL)

On XX/XX/year> I received.correspondance regarding my mortgage balance that is currently current and I have had concerns regarding this mortgage origination and balance on this loan. I have being approved for a repayment plan for the XXXX mortgage payment. I never received correspondance for this plan. 

I am being retaliated against with erroneous collection letters from Shell Point Mortgage because of the complaints I have been submitting to CFPB regarding this mortgage origination to put a collection on my credit for {$11.00} XXXX that was advanced years ago for HOA dues that were delinquent that I was told during Covid 19 I did not have to pay back. As you can see I am current with this mortgage at the present. 

If this happens I will be reporting fraud and have no choice but to file Bankruptcy and or lawsuit and I will contact the Office of Inspector Genernal and the Presidents Cabinet regarding this retaliation. 

I am tired of servicers ruining my credit because of Covid 19 and I am working on getting out of my name.
Consumer complaint received 2024-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (CA)

Summary : My account was closed in error by Chase XX/XX/XXXX. After a CFPB complaint and months of effort, they reinstated the account. They did not provide me a new physical card. I have called XXXX times requesting a new card over the course of XXXX months, and have not received a single card from them. There is a hold placed on my account preventing my access to new cards, but nobody at Chase seems to understand why. An escalation supervisor assured me on XX/XX/XXXX that someone would definitely work to resolve the issue, and that they would respond in 5-7 calendar days. I have heard nothing from Chase. 

================================================================ Chase erroneously closed my account just after I paid my annual card membership fee in XX/XX/XXXX, and reinstated it following months of calls, and another CFPB complaint. As I had not had access to the account for nearly XXXX months during this process, I disposed of the physical card, assuming that it would be no problem to receive a new card from Chase when the account was reinstated. 

I have called Chase XXXX times in an attempt to simply have a card sent to me. Representatives I spoke with in XX/XX/XXXX, on XX/XX/XXXX, and XX/XX/XXXX all assured me that a card would arrive within 5-7 business days to my address. No card arrived. 

On XX/XX/XXXX I spoke with a representative who explained that a card had not been sent at all despite my previous calls. He offered to rush XXXX to me via XXXX in 1-2 business days. Of course, no card arrived. 

On XX/XX/XXXX, I called again, and was transferred to XXXX different agents before I finally reached an escalation supervisor named XXXX. He explained that he discovered a hold on my account, but could not understand who had placed it, as both the security/fraud detection and lending/underwriting teams denied responsibility. He said someone on their team would be assigned my issue, and they would need to resolve it in 5-7 calendar days. He assured me that I would definitely hear back from someone at chase within that timeframe. 

We are now 9 days away from my last call with Chase, and I feel my only option to get something done is to report my experience here. I have spent tens of hours simply trying to get my account functioning as it did before. Every individual at Chase claims to want to help, but nobody seems to be actually able to solve the issue. There is no follow-through from the bank either. 

My account functions in theory, but I have not had access to a working card/card number for nearly a year. I paid my annual fee last year and have essentially not had access to the card and account for the entire year. My annual fee is about to post on XX/XX/XXXX, and if I continue to try to work with Chase, I am convinced they will continue to withhold access to my card.
Consumer complaint received 2024-08-31
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: SYNCHRONY FINANCIAL (PA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION (NY)

After purchasing a car and obtaining financing from Truist ( through the dealership ) in early XXXX, the dealership failed to file registration and title paperwork for the car, resulting in not being able to legally drive the car after the temporary tags expired 30 days later. While attempting to get the dealership to file the required paperwork, Truist made an automated phone call to me on XX/XX/XXXX asking if Id like to move the payment due date to XX/XX/XXXX, which I accepted. Subsequently, they reported that my account was over 30 days late based on the original due date of XX/XX/XXXX having not actually changed the due date in their system to XX/XX/XXXX. The bank is taking the position that the due date was never moved and that this was a payment arrangement. Based on the communication they made to me, I believe this was misleading and unclear that a payment arrangement does not move the due date and may impact your credit report. 

Its worth noting that I operated under the assumption that my due date was in fact moved and made a payment prior to being 30 days late, while I worked in good faith with the dealership to try to get them to file the paperwork. If they had made it clear that the payment date had not been moved, I would have sought to void the contract which I believe would have been my right due to the dealership not delivering the paperwork within the legally required 30 days.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (UNITED STATES MINOR OUTLYING ISLANDS)

In XX/XX/year> I requested the XXXX XXXX Citibank account to be closed. I called customer service and spoke to XXXX Reps in the XXXX ... .Got bounced around to 3 different people. One even said, I see you closed this account in XX/XX/year>. The bil is now {$130.00}. Late fee and membership. 
Under my name XXXX XXXX XXXX XXXX digits from the bil is all I have because the card has been gone for at least 18 months. I never used the account. 
Last XXXX card digits are XXXX I have tried calling and no help has been offered. 
They intend to keep charging me late fees HELP.
Consumer complaint received 2024-08-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Purchased home in XXXX for {$44000.00}. Documents from register of deeds shows released and XXXX on XXXX XXXX, XXXX. Documents show a loan/lein of {$50000.00}. To U.S. on XXXX XXXX XXXX. We did not receive {$50000.00}. From anyone. On XXXX XXXXXXXX XXXX XXXX XXXX got the lien and it went up to {$57000.00}. Documents then show an amount of {$87000.00}. Then on XX/XX/XXXX it goes to {$93000.00}. On XXXX XXXX countrywide is paid off. On XXXX XXXXXXXX XXXX XXXX, {$85000.00}. At no time did we receive {$50000.00}. Or {$35000.00}. Many of the documents I have were found at the register of deeds for XXXX XXXX.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Back in XX/XX/XXXX, I was a target of a bounced check in my checking account from capital one. A person posed as an employer emailed me from my college email asking if im interested in an internship opportunity. Then when I replied back with my interest, we started communicating through emails regarding the hiring process and steps. The employer told me that theyll send a check from my college for the supplies needed for the internship and when I deposited the check, it became a bounced check and I noticed red flags so I told my bank about the scam. Now currently I have a negative {$2300.00} on my checking account and Ive called my bank multiple times trying to resolved this problem but my account is currently restricted and they told me to email them evidence of me being scammed and theyll respond back to me but its passed 15 days and nothing has changed. Ive called & contacted my bank. The dates Ive called my bank regarding this bounced check scam are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking why they have decided to close my account with them. My bank stated that I have to paid them back the {$2300.00} first before I could receive the rest of the money from my savings account but I told them numerous of times through the phone calls that I was a target of a scam from a bounced check. The bounced check that I deposited even have my colleges name on it indicating that it was from a job from my college. The scammers wanted me to deposit the check and then use the check money to send it to a sales representative who could help me buy the materials I needed for the job and when they started to get persistent and impatient of me sending the full amount of money I started to get suspicious. I have a lot of screenshots of exchange email conversations with the scammers and evidence of the bouncing check. My bank states that if I send them those evidence then they could help me with the negative {$2300.00} but its been weeks and they still have not responded or helped.
Consumer complaint received 2024-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

XX/XX/year> {$1000.00} This was a fraudulent scam involving a XXXX XXXX XXXX. 
Company refused to take liability for one of their customers, which they verified as a real and true person. 
Company refuses to use their bond and insurance to recover the funds. 
Company refuses to supply their underwriting company and information.
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-09-02
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: T2 Financial LLC (SC)

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX, a loan officer with Revolution Mortgage ( T2 Financial LLC, XXXX XXXX XXXX XXXXXXXX ), regarding his handling of my mortgage application. My assigned loan number : XXXX On XX/XX/year>, I received a welcome letter confirming that I was under contract with Revolution Mortgage. Throughout the process leading up to my scheduled closing on XX/XX/year>, I provided XXXX XXXX with all necessary personal information, including income documents, employment verification, and rental information. An appraisal was completed for the property I intended to purchase, and the title work was finalized by the attorney 's office.

However, two weeks before the scheduled closing, communication from XXXX XXXX and his team ceased entirely. I have made countless attempts to reach out via emails, phone calls, and text messages, seeking updates on my loan status, but to no avail. As of XX/XX/year>, I have not received a loan denial letter, nor have I been able to retrieve my earnest money. 

I feel highly discriminated against due to the lack of communication and support from XXXX XXXX, especially in comparison to how he communicates with others. This failure to keep me informed has caused significant financial and emotional distress. I had made various arrangements in anticipation of moving, including notifying my current landlord of my intended move-out date of XX/XX/year>. My family and I are now at risk of a rent increase or losing our home altogether. 

As a first-time homebuyer, I expected a professional and supportive experience. Instead, XXXX XXXXXXXX XXXX  handling of my application has made this process overwhelmingly stressful and disheartening. 

I kindly request your office 's assistance in facilitating communication with XXXX XXXX and resolving this matter promptly. Thank you for your attention to this serious issue. I look forward to your response.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (TN)

I am writing to dispute the illegal reporting of my student loans, in violation of 15 U.S. Code 1650 ,15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1681B. This matter has come to my attention through a recent review of my credit report, in which I discovered inaccuracies that have adversely affected my credit standing.

According to federal law, creditors must provide accurate and complete information to credit reporting agencies. However, I have reason to believe that your company failed to follow these guidelines when reporting information related to my student loans. The inaccurate reporting has led to negative consequences for me, including damage to my credit score and potential obstacles in obtaining credit in the future.

I kindly request that you investigate this matter further and take the necessary steps to correct the inaccurate reporting of my student loans. I am reporting this violation to the Consumer Financial Protection Bureau ( CFPB ), as it is my right to ensure that my credit information is reported accurately and fairly.

Please provide me with a written response outlining the steps you intend to take to address this dispute within 7 days. Failure to take corrective action in a timely manner will result in further legal action on my part to protect my rights and seek appropriate remedies.

Thank you for your prompt attention to this matter. I look forward to your immediate response. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-09-02
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Denefits LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Denefits LLC. 
XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Subject : Dispute of Unjust Late Payment Reports and Non-Provided Services Dear Denefits LLC. 

I am writing to formally dispute the late payment charges and negative entries on my account, Which are unjustly reflecting on my credit report due to services that were never rendered by your company. 

On XX/XX/XXXX, I entered into an agreement with your company for credit repair services. Unfortunately, despite my compliance with all terms and prompt payments as per the agreement, your company has failed to provide the agreed upon services. To my surprise, I recently discovered that your company has reported late payments to the credit bureaus, which is not only inaccurate but also unjust, considering the circumstances. 

To resolve this issue, I kindly request the following : Immediate removal of any late payment entries associated with my account from all credit reporting agencies.

Written confirmation that these negative marks have been removed and will not affect my credit score going forward. 
Full refund of any payments made for services that were not provided as agreed. 

Please consider this a formal dispute under the fair credit reporting Act ( FCRA ), and tale prompt action to rectify these inaccuracies. I expect a written response within 30 days from the date of this letter, confirming that the necessary corrections have been made. 

Enclosed are copies of relevant documents including my credit report, which support my claim. I look forward to your prompt attention to this matter. Should this not be resolved within the stipulated time frame, I will not hesitate to escalate this matter to the appropriate regulatory authorities or seek legal advice to protect My rights. 

Thank you for your immediate attention to this critical matter. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-09-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (OH)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC (AL)

Good Leap LLC is predatory lending company. They charged {$20000.00} to replace a {$10000.00} roof. They are charge 12 % interest and placed a linen on my house. Im XXXX XXXX XXXX and my husband is now deceased. I not made fully aware of what I was signing up here.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (OH)

I lost my phone I was changing my number when I noticed my account was negative.Someone charged a bunch of charges to my account.so much my account sits minus.I 've be n trying to dispute charges.My name is XXXX XXXX and it is Chime Banking.Chime Banking says it was XXXX XXXX or something like that.thank you
Consumer complaint received 2024-08-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Coast to Coast Financial Solutions, Inc. (OH)

I am writing to file a formal complaint against Coast to Coast Financial Solutions regarding their unlawful practices related to a debt they have reported on my consumer credit report.

Violations : 1. Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), a collection agency is required to provide validation information upon request. I have requested this information but they have failed to comply. Despite not providing the legally required validation information, they have placed a collection account on my consumer credit report.

2. Unauthorized Reporting to Consumer Reporting Agencies : Coast to Coast Financial Solutions has reported this alleged debt to the consumer reporting agencies without providing any and all disclosures required by law, in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Their failure to provide the necessary disclosures before reporting the debt is a blatant disregard for my rights as a consumer. 
XXXX. Lack of Licensing to Collect in Ohio : Additionally, Coast to Coast Financial Solutions is not licensed to collect debts in the state of Ohio. They are therefore operating illegally within the state and have no authority to report this debt or pursue collection activities against me.
Consumer complaint received 2015-05-31
Product: Debt collection — Mortgage
Issue: Communication tactics — Called after sent written cease of comm
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

Sent notice to cease and dismiss collecting Written Off debt that is over the Statute of Limitations to sue, along with all communications with us or any member of our family. This was to include but not limited to telephone calls, letters and personal interviews. They also responded by letter using fraudulent documents along with misrepresentation and deceit.