davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Rocket Mortgage, LLC (AL)

First and foremost, I do not believe Rocket Mortgage had any intentions of providing the loan for my property purchase due to continued hurdles to stall the closing date. 
1. I applied for a mortgage loan online with Rocket Mortgage around XX/XX/XXXX. 
2. I submitted all income, assets and expenses requested and completed my XXXX & XXXX as instructed and submitted proof of funds to close. ( List of Documents submitted available ). 
3. I paid the honest money to the title company ( twice ) due to the sellers willing to accept a XXXX purchase order after continued efforts by Rocket Mortgage to stall the loan and changing the closing date repeatedly per issuance of a " Conditional Closing Dates ''.

4. Continued hits on my credit to drive my score down.

5. Continued inclusion of team members handling my file and information, bringing only more requests and no solutions.

6. The latest request of obtaining a co-signer for this purchase is out of character.

7. I do not want to continue this process with them, I simply want a refund of my {$500.00} paid to for the appraisal of which I can't use and the {$2000.00} honest money paid to the sellers ( if they are not willing to refund my honest money ) due to the exhausting delays by Rocket Mortgage. And compensation for my realtor for the time spent trying working this case with me and the contractor paid to do a preliminary inspection of the unit.

8. Also, I want refunded to me the interest cost of having funds transferred from my XXXX account to my checking in preparation of the promised closing date ( available funds to collect by XXXX ). 
8. Today, I'm sending a email reply to XXXX to cancel the application due to my belief that they have no intentions of approving this loan ( unsubstantiated ). 
9. This have been a very exhausting, wasteful, expensive, time consuming, harassing process which leaves a " XXXX XXXX '' on me and for Rocket Mortgage.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (GA)

On XXXX XXXX, 2021 I logged into my Chase mobile app to send a XXXX payment to a friend ( XXXX XXXX ). XXXX is linked to my contacts so when I saw the name XXXX in my XXXX contact list, I selected it and sent the {$750.00} payment. My friend XXXX did not text me letting me know that payment was received so I checked the Chase mobile app and noticed that the XXXX I sent the money to was the incorrect XXXX. The XXXX I sent the money to is someone who made a purchase from me back in XXXX. I text the XXXX ( XXXX XXXX ) that I incorrectly sent the money to but he did not respond. I filed a claim for the money with Chase but they denied the claim and said that I need to file a claim with XXXX ( transaction number XXXX ). I filed a claim with XXXX but they did not investigate. They sent me an automated response telling me to contact my financial institution. I am being sent in circles and neither XXXX nor Chase protect their customers from sending money to the incorrect recipients. I attempted to delete the incorrect XXXX from my XXXX contact list in the chase mobile app but there is no option to do this. So the incorrect XXXX 's information will always be in my XXXX list which means the potential to send money to the incorrect recipient is always there.
Consumer complaint received 2024-07-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
4. A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Consumer complaint received 2024-07-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: OPORTUN FINANCIAL CORPORATION (KY)

I owed {$270.00} on a loan from Oportun. They sent me an email offer stating that if I paid {$98.00}, the loan would be settled and I would not owe anything else. The email explicitly stated : After paying the settlement amount as agreed, you will no longer owe a balance and your account will be reported as CHARGED OFFPAID to the credit bureaus. 

I called the number provided to accept the offer on XX/XX/2024 and made the {$98.00} payment during the same phone call. The man I spoke with told me it would be settled as promised once the payment was processed. The payment was processed and accepted on XX/XX/XXXX. However, Oportun still says I owe the remainder of the loan. Instead of settling my loan as promised, they are still claiming I must pay the rest, and continue to harass me with repeated phone calls. I have attempted multiple times to resolve this, by email and phone, and am getting nowhere. First they said I had to wait XXXX days to make sure the payment processed ( even though I could see it already had ). Now they are saying 30 days and continuing to call me asking for the rest of the balance.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My account with ( XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

I received a letter dated XX/XX/2024 from Jefferson Capital related to a XXXX account with an amount of {$5700.00}. I have never owned a XXXX account, and the email address and phone number on the account do not, and have never belonged to me. This account is showing up on my credit report, even though it does not belong to me.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital one close my credit card account sometime around XXXX with a past due balance owed. On XX/XX/XXXX there was an interest charged of {$7.00}. On XX/XX/XXXX when I logged in it said I had an outstanding balance of {$290.00}. At which time I paid the complete outstanding balance. On XX/XX/XXXX an interest charge of {$6.00} was added to the account. Why? How? On a {$0.00} balance? If a balance is outstanding and its paid then it should be over and done with. Not knowing the interest charge being there they fixed a late payment fee of {$6.00} for the non payment of the interest, then an additional XXXX in interest. When I called they tell me even though I paid it off I must continue to pay interest for up to two more billing cycles. XXXX?? How am I still having to pay interest on a {$0.00} balance for an account thats closed? They never even reported to the credit bureau that the balance had been paid. What they did however do, was continue to report late payments and a balance of {$12.00}
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital one is my bank where I have checking account. 
On XX/XX/XXXX XXXX my mother XXXX XXXX wired me {$24000.00}. From XXXX XXXX XXXX.Capital one froze my account without any explanation though I clearly told them that this was an inheritance from my mother 2.After multiple calls for explanation they asked for my mother, s contact.Gave them my mothers phone number.They said that Capital one dont have the ability to call international even though she lives in XXXX and the transfer was an international transfer. 
3.They the rep asked for proof of my relation ship with my mother.Send them my others passport for id and my marriage certificate which has my mother and fathers names. 
4.Now they say there is no timeline or any update. 
At this point my money is held by them with no explanation or any way I can resolve or any way my mother can resolve.This is significant money lack of which has caused me serious financial pain including having to go through foreclosure due to Capital One dontcare attitude
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX, Venmo closed my account for no reason and held the {$220.00} balance in my account. I dont want my account reopened, I am requesting that my funds be released. They told me the funds would be available within 180 days. Its been almost that long and no one will respond to answer with a date of when my funds will be available.
Consumer complaint received 2024-07-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CO)

This document is to answer the additional information requested regarding reference number XXXX. 
The account number being disputed is XXXX XXXX account number XXXX for the amount of {$2400.00}. The entire amount on this account is being disputed due to my not being aware the account was opened fraudulently until it appeared on my credit report in XXXX. 
The XXXX XXXX account I opened XX/XX/XXXX and was the only one opened to my knowledge is account number XXXX. This account is paid with a {$0.00} balance since it is the only account I used. This shows on my XXXX credit report number XXXX dated XX/XX/XXXX. I am confident that I did not open another account with XXXX due to transferring my wireless services to XXXX after XX/XX/XXXX. This information can be found in my notifications with XXXX. 
Account number XXXX with XXXX XXXX was disputed as fraud after receiving notification for the second time of the account on my credit report XX/XX/XXXX ; initial notification date was XX/XX/XXXX. My wireless service had been transferred to XXXX in XXXX then XXXX in XXXX of XXXX. I remained with XXXX through the merger with XXXX and had no need for another account at any point, with established or a different service provider, after closing and paying XXXX XXXX account ending in XXXX. Due to XXXX XXXX account ending in XXXX being removed from all credit bureaus I have been under the impression the determination of account ending in XXXX was that it is a fraudulent account. Yet, repeated calls and text messages from XXXX XXXXXXXX XXXX  started up again attempting to collect this debt.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (IN)

On XX/XX/XXXX I deposited a XXXX  check sent from my personal injury attorney for a car accident settlement via mobile deposit. While waiting for it to clear, Citizens Bank sent me a Notice of Delayed Funds Availability letter. The letter states the following : We are delaying the availability of {$13000.00} from this deposit. The funds will be available on XX/XX/XXXX, the XXXX business day after the date of your deposit, We believe that a check you deposited will not be paid because : Some of the information on the check is not consistent with other information on the check. 

On the XX/XX/XXXX The funds were still on hold. I then provided Citizen 's Bank with the Settlement Release Agreement, email correspondence and the contact information to confirm with my attorney and my funds still were not released to me. 

On XX/XX/XXXX I received a letter informing me of an additional hold until XX/XX/XXXX stating 'Some of the information on the check is not consistent with other information on the check. '' 1. The check doesn't have any inconsistent information on it. 
XXXX. The check has been cleared with XXXXXXXX XXXX already. 
XXXX. I have provided sufficient enough evidence that the check in NOT fraudulent. 
XXXX. I have had a Saving account with Citizens for 2+ Years before opening a Checking Account. 
XXXX. I do not have a local branch in my city or any distance close to my house. 
XXXX. I have bills that need to be paid immediately. 
XXXX. I've had to cancel a plane ticket and travel arrangements due to the check hold. 

I wish to have my funds released as soon as possible by Citizens Bank. 

Please help. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

XX/XX/XXXXXXXX XXXX  VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX Block Request Dear Sir or Madam : I am a victim of XXXX The information listed below which appears on my credit report is the result of XXXX XXXX XXXX XXXX XXXX - score impact : low Summary Details Transactions Source : Credit Report As of XX/XX/XXXX Account # XXXX Account Status Open Payment Status Past Due - {$30.00} Balance Owed {$620.00} Payment Amount {$43.00} Credit Limit {$500.00} Recent Payment History XX/XX/XXXX XX/XX/XXXX - - - - - - - - - - Days Late - 7 Year History : 30 : 0 60 : 0 90 : 0 View Complete History Take Action Action History XX/XX/XXXX Update My Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CT XXXX Phone : ( XXXX ) XXXX And all 23 InInquiries Source : Credit Report As of XX/XX/XXXX Text field Business Name Business Type Inquiry For Date XXXX XXXX XXXX  Automobile Financing Company XXXX XX/XX/XXXX XXXX XXXX XXXX Automobile Financing Company Individual XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Auto Dealers , New Individual XX/XX/XXXX XXXX XXXX XXXX XXXX  Automobile Financing Company Individual XX/XX/XXXX XXXX XXXX XXXX Auto Dealers , New Individual XX/XX/XXXX XXXX XXXX XXXX Automobile Financing Company Individual XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - score impact : medium Summary Details Transactions Source : Credit Report As of XX/XX/XXXX Account # XXXX Account Status Closed Payment Status Current Balance Owed {$0.00} Payment Amount {$0.00} Credit Limit -- Recent Payment History XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - Days Late - 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX View Complete History Take Action Action History XX/XX/XXXX Update My Account XX/XX/XXXX Correct a credit reporting inaccuracy XX/XX/XXXX Correct a credit reporting inaccuracy XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX Phone : ( XXXX ) XXXX And all 23 Inquiries and Negative, Student Loans Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: WSFS FINANCIAL CORPORATION (PA)

Have a LOC with WSFS Bank. They have filed foreclosure claiming " failure to make any payments in 2023 ''. I have a receipt of payment from them on XX/XX/2023, and they Snatched the XXXX payment along with the XXXX payment. I have the statements to prove it. 
Now XXXX has advised me to get payoff to current, which dismisses my case! The payoff includes their legal fees fighting this fraud case, and the Threat of {$1500.00} Fine and provides for Motion to Proceed for them! 
Their original foreclosure complaint states " no Payments Made in 2023 ''. They have rewritten the record to create one that shows this and have accomplished it by " Snatching Payments '' and " Re-Allocation '' in 2023!. I may have been low on payments as they kept rising, but I made them. This shows they created a new record to gain by foreclosing on my home. This shows what they did and how they did it, to foreclose on my home.hen they were paid internally to the WSFS LOC. This provides for multiple sources of documentation on transfers/payments to WSFS and the LOC. 
I'm XXXX, and on SS which hasn't been keeping up with the interest rates and inflation. I'm going to have to start transferring all of my SS to this and figure out how to get make more. 
I don't have the funds to defend against Predatory Banking Practices, Fraud, and Creating a new Record to enable Foreclosure. I believe this is a Civil Rights issue also with them violating my rights this way I'm not sure XXXX is up to or able to keep assisting with this case.. In which case, I have no protection against this bank 's actions. 
I can provide all documents including XXXX Bank Statements, WSFS Checking Account Statements, WSFS LOC Statements, and every other document they ever sent. Including : a WSFS Payment Receipt for XX/XX/2023, and " account Overdrawn Notices '' on XXXX XXXX after they seized money from my checking account. I'll need to speak with someone about them and personal info contained before sending them. 
I can't deal with this on my own and they have been evasive and blatantly lying to me every time I have called them. These are Unfair Banking Practices and outright fraud.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-21
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ADP Inc. (WA)

A few days ago on XX/XX/year> I received an email from a company called Wisely. The email had stated that a card ( a pay card ) has been sent to my home address and should arrive on XX/XX/XXXX, which was the date I had received the email. I have never ever heard of Wisely before and I didn't apply or enroll for a card with them or create an account with them given that I have never heard of them before. Today, on XX/XX/year> I received the card with all the papers on how to activate it. I tried calling their customer support number that was on their website as well as on the back of the card. When calling, I was answered by an automated message system where I was asked to put in the card number as well as some other information such as the last 4 digits of my social security number and the year I was born. After doing that, I was just prompted to activate the card which I don't want to do. I was never able to actually speak with a real person from their company or customer support. I am also the only person within my household to be sent this email or card. My main concern/ question is how & why I was sent this card from a company I have never heard of and never signed up/ enrolled in? And how they got my information to send it to me to begin with? I'm aware this company has my name, email, home address, city & zip code, although I don't know what other personal information of mine they may have.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).