davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (ME)

VALIDATION AND CEASE AND DESIST AMEX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dear AMEX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

I checked my credit report today and noticed I had a collection from Sunrise Credit Service ( original creditor XXXX XXXX ) that was opened on XX/XX/year> with account number starting with XXXX in the amount of {$500.00}. This collection does not belong to me and I am not liable for this debt.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-07
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: Experian Information Solutions Inc. (TX)

This is to inform that my credit report has been used inappropriately and this violated my consumer right, this companies violated my consumer right. 

XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  ( bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (CA)

On XX/XX/XXXX my wife tried to transfer {$950.00} to my checking account with a local credit union from her account with a larger bank. The transfer was returned to her due to an authentication issue on my side with the bank payment transfer service Zelle. The transfer failed because I needed to log into my Zelle account to confirm that I can still receive transfers. The email she received from Zelle which was supposed to tell her the transfer was returned did not cause any alarm at first due to the similar wording of the subject to emails from Zelle notifying of a successful transfer. 

Zelle does not offer the ability to do this from a web browser on a computer unless you bank with a large financial institution such as XXXX XXXX or XXXX  XXXX XXXX, and I bank with a local credit union because I've had poor experiences with large banks. If you do not bank with a large financial institution, they require you to log in via the app. The issue here is that the app updated recently and is no longer compatible with my phone, a XXXX XXXX XXXX XXXX, which I've had since XXXX. However, it was compatible until this month. We used Zelle to transfer money this way for almost 5 years. When I called Zelle 's customer support, they told me I need to either get a newer phone, or bank with one of their partner financial institutions. 

I'm filing this complaint because I think that Zelle 's policy of offering web browser based services only to consumers using large banks is anticompetitive and monopolistic. In addition, the fact that I was not warned ahead of time that my phone would no longer be supported by their app, and that my wife wasn't properly notified of the failed transfer with an email message suitably different in appearance from an email notifying her of a successful transfer, is something with which I take issue. This debacle almost interfered with my ability to pay rent to our landlords, and I think I'm not the only consumer affected by this issue.
Consumer complaint received 2024-08-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I requested a Broker Price Opinion that I paid for XX/XX/XXXX. A BPO was issued for my house and a woman came to my house, came inside and took pictures on XX/XX/XXXX. She sent the information off and said for me to wait 10 days. Its been more than 10 days or 10 business days and I do not have anything from Pennymac. 

The lady who submitted the BPO said its out of her online 3rd party system, so Pennymac has the information and are not willing to share it, have lost it, or don't care. If I am told 10 days, I expect 10 days. 

I paid {$190.00} for Pennymac to determine if my home had appreciated enough to remove the PMI. As my loan sits now it is at 90 % valuation, so I only needed 10 % more. I have been in my house for almost 3 years so I am sure that the PMI can be removed, but I can not get a copy of something I paid for to verify it.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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 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 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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX opened an account on XX/XX/year> for the amount of {$890.00}. I have never signed a contract with them, nor have I received any services or incurred any charges totaling this amount.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX FIN XXXX Balance : {$0.00}
Consumer complaint received 2024-10-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (VA)

I received a call today from Aldous & Associates in California attempting to collect a debt from XXXX XXXX. The intern or representative was monotone and sounded extremely fed-up which is understandable given the job. Debt collection is tough. But there were multiple issues that need to be addressed. I do not know his name, but Aldous & Associates should have no trouble identifying him as all calls are recorded for quality and training purposes. 

The first was that in introducing the debt, the representative stated that they would be reporting to my credit if the debt is unresolved. This is a no-no. 

The representative went on to state that I owed XXXX XXXX an amount of approximately {$100.00}. Then stated there was a second account of over {$600.00} or {$700.00} at which point I laughed and declined to pay because I did not recognize the account. Unfortunately before I was able to ask any questions whatsoever, the representative hung up without giving any information. Thats a second no-no. 

I of course called the Aldous & Associates office and was connected to the same representative. I stated that our call had been disconnected and that I wasnt finished. The associate acted as if the conversation had been days ago, saying oh I remember very obviously humoring me intentionally. I explained my concern about the second debt and that Ive been unemployed since XXXX ( corporate layoffs ) and was unable to pay XXXX for the balance owed. The representative then stated that the balance was for XXXX XXXX which I havent been a member of for years. This is the first Im hearing of a debt to XXXX. I asked when the debt was reported and the associate rattled off that he would be sending an email to the account on file and that I needed to reply with my address. He then hung up again. He did not verify my identity at any point during the call, and did not verify any of my contact information. Yikes! 

At this point, I would advise anyone having to deal with Aldous & Associates to back away. Run, motor, crawl if you can. They are unethical and prone to illegal behavior.
Consumer complaint received 2024-10-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Lennar Financial Services, LLC (CO)

On XX/XX/year> I closed on the property : XXXX XXXX XXXX XXXX, Colorado XXXX. During the closing process, I signed a document ( Promissory Note ) which is a legal document that outlines a borrowers promise repay a loan to a lender under specified terms. Lennar Mortgage took the promissory note I had signed with my extension of credit and social security number, and collected on it at the Federal Reserve Bank Discount Window ( only authorized banks can use ) for 90 % of the loans 30 year maturity value which is over {$720000.00} dollars. After Lennar Mortgage collected on this Promissory Note with the Federal Reserve Bank, instead of notifying me that my mortgage was satisfied, they failed to report the payment on my debt ledger. Lennar Mortgage then went two weeks after closing, and " transferred servicing '' of my already paid off loan to XXXXXXXX XXXX to collect on the money they have already received.

During this process and while still ( as far as I knew ) having signed the mortgage and note with Lennar Mortgage, Universal Mortgage was being reported on my XXXX, and Eagle Mortgage was being reported on my XXXX. I have come to find out Eagle Mortgage is a subsidy of Lennar Mortgage however, I did not sign a contract with either Universal or Eagle Mortgage and had not been

notified of the servicer change, so why would two different mortgage companies say I have a mortgage with them, when neither is the actual company I have a mortgage with?

So, if the Promissory Note is not allowed to be collected on by anyone but an authorized bank with the Federal Reserve Bank, the only one 's who would know how to collect are the authorized bank. It is fraud and breach of contract that Lennar Mortgage did not disclose the advance of the Promissory Note to I as a consumer, and even more fraudulent they want me to pay for this mortgage now. That means I lose not once, but twice.

Please also refer to U.C.C 3-603 Tender of Payment which explains if the payment is tendered in form of the Coupon provided with the statement ( which was provided to XXXX XXXX and Lennar Mortgage ), that the debt is discharged if the tender of payment is not accepted. This means, my payment for XX/XX/year> has been discharged by not only XXXXXXXX XXXX, but Lennar Mortgage previously as well. This is due to the advanced collection on the Promissory Note with the Federal Reserve Bank. I am not disputing I signed the mortgage and the Note, I dispute the fraudulent practices that Lennar Mortgage and seemingly other entities are involved in with home loan lending and required disclosures. 

XXXXXXXX XXXX now believes they are my mortgage servicer and I simply dispute this. This loan has been paid in full, due to the full reimbursement ( 30 year maturity ) of the loaned amount, and is now the responsibility of Lennar Mortgage to satisfy this debt.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have over {$100000.00} USD in my capital one business banking account. 

On XX/XX/XXXX I gave them a calling asking why my wire transfer was not going through. This is in the morning. By the evening I realize that my account is locked and I am given a number to call. 

The morning of XX/XX/XXXX I call and stay on hold before finally getting connected to a rep who tells me someone from the consumer protection team will call me up before XXXX EST friday the XXXX. Apparently I am missing some documents which they should have requested when I created the account over a month ago so they suspended the account. They just needed the documents sent to them. But they woud n't tell me where to send just to wait for a call. 

No one calls me. I call up on Monday the XXXX but they cancel the call saying they are closed. 
I now call Tuesday the XXXX and after staying on hold for 1.5 hours they tell me I will be transfered on the phone to another division. The call ends and I will have to recall to enter the cue. 

I call again and spend 3-4 hours on hold and talking with people looking for a solution as to why I can't access my account. They tell me I need to email an account with the documents and give it to me. 

I end the call and send the email. It was the wrong email and bounces back immediately. So I call back again and after an hour get the right email to send the documents to. I send it and get an automated response saying they will respond in 30-90 business days. This is unacceptable. 
I have a cage code from the United States department of defense. I have an XXXX XXXX XXXX XXXX. Those funds are needed to buy a part used in an airplane. I don't have extra cash to buy the items, I need access to those funds immediately. I might have to declare bankruptcy if I can't access that account within this week. Please, help.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NY)

KeyBank froze my accounts on XX/XX/year> and never gave me an explanation why. This includes checking account, money market account, credit card, a commercial line of credit and online access to all of them. I have been in contact with the branch manager, and all the response I got ( verbally only, never anything in writing or email ) is that the case is being investigated by " Corporate ''. This is causing me a long list of financial problems and hardship, as this was my main bank to conduct several real estate business initiatives; including rentals, mortgages, rehabilitation projects, utilities, etc. Other than branch representative I have tried contacting their customer service representatives, their fraud department hotline, etc. and nobody can answer. On top of that, they are assessing me a late payment fee for non-payment of interests on my commercial line of credit, when I can not make any payments since it is frozen. It has been over a month of this now, and they are not even answering my emails or phone calls anymore. 

I already placed a complaint about this, and they just issued a response that are " still working on it ''. It has been almost two months, and this is the same response they gave me. Still they can not say what the problem is and they are causing enormous financial hardship. I do not even know for how long this situation is going to drag, making it impossible to plan any projects or finalize the ones currently in progress. I do not believe the Bank has any intention to help at all and they are probably benefiting from keeping my money captive. They are even charging me very high interests for money I can not even use.
Consumer complaint received 2024-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (TN)

In XX/XX/year> I called a Chase representative and told him that I wanted to pay the current debt AND CANCEL the card. It's now XX/XX/XXXX and they continue to harass me with a charge that I don't owe, having cancelled the card the previous XXXX. I currently have an outstanding credit rating ( in the XXXX I believe ). If this bogus charge somehow affects my credit rating do I have a credible law suit to file against Chase that will gain traction?
Consumer complaint received 2024-10-19
Product: Credit 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: TD BANK US HOLDING COMPANY (NY)

I had gone to XXXX  XXXX back in XXXX XXXX and visited the restaurant " XXXX XXXX ''. They charged my credit card as i ate food there. I am currently in XXXX XXXX now as i live here and on XXXX XXXXthe restaurant charged my credit card for the amount of {$70.00}. I had filed XXXX disputes with my bank ( td ) and they denied it twice. I even faxed them proof that i was in XXXX  XXXX  at the time of the fraudulent charge and that there was no way i could have been in XXXX  XXXX. Unfortunately nothing has been resolved and i should NOT be responsible for this amount.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. The Federal Trade Commission ( FTC ) and law enforcement agencies have recognized the validity of my claims. I have taken every possible step to follow the proper procedures, and it is inconceivable that your bureau continues to ignore the law and my rights as a victim of identity theft. I demand that you immediately rectify this grave injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not only a dereliction of duty but a blatant disregard for the suffering I have endured. These are the accounts that I need to be removed : XXXX  XXXX XXXX and XXXX XXXX XXXX. Please remove these accounts immediately.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MN)

I had a CD mature and the disbursement proceeds of {$100000.00} were deposited in my Huntington Bank non-interest bearing checking account XXXX XXXX I wanted to transfer all of the {$100000.00} to my high interest bank account at XXXX XXXX which was a verified external bank account associated with my Huntington checking account ( I have transferred money between these same XXXX accounts in the past without any problem ). I was informed on the phone by Huntington Bank that I could transfer {$50000.00} per transaction for a total of {$100000.00} per day. So I set up XXXX online banking transfers of {$50000.00} transfers ( totaling {$100000.00} ) XXXX XXXXXXXX transferring the money from my Huntington XXXX account to XXXXXXXX XXXX and scheduled another transfer of {$5700.00} form Huntington to XXXX XXXX XXXX XXXX XXXXXX/XX/year> I received an emails from Huntington Bank stating that my XXXX Banking account was " suspended for use with your Huntington accounts '' and the transfers had been " stopped ''. Upon calling Huntington I was told to personally bring a current XXXX bank statement to a Huntington branch which i did XXXX XXXXXX/XX/year>. So now Huntington says I must wait an additional XXXX to XXXX business days for Huntington to unsuspend my XXXX account. THIS HUNTINGTON TRANSFER SITUATION IS ILLUSORY. I will lose interest on my money while waiting and Huntington gets use of my money for free.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I deposited my IRS Issued refund check into a Capital one atm for my XXXX taxes, the atm said it should be available the following day which would have been XX/XX/XXXX. I called XX/XX/XXXX and spoke with someone who said they are waiting on verification from the irs that it's a real check. they informed me it should be good to go by the end of the week ( XX/XX/XXXX ). when the fund were not released on that day I called again and some one once again told me they were waiting in the irs. I called the Irs and they said it's been verified and Capital one isn't waiting on anything. Called today and was told that they are waiting on the treasury department not the irs. I've tried to escalate the situation and speak with a higher up but no one has even tried to call me back as of yet.