davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (FL)

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against FLAGSTAR BANK for unlawfully blocking my access to {>= $1,000,000} in funds that were credited to my account after the bank processed my promissory note through its clearinghouse system. The promissory note, originally for {$190000.00}, was purchased by the bank, and I became the holder in due course of the account. 

However, despite my ownership of the account, the bank has frozen my funds without providing any legal justification or due process, in violation of consumer financial protection laws and my constitutional rights to property. 
Relevant Laws and Case Law : 1. Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) : The banks conduct qualifies as an unfair and deceptive practice under the Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically under 12 U.S.C. 5531, which prohibits banks from engaging in unfair or deceptive practices that harm consumers. Denying me access to my own funds without explanation constitutes such a violation.

2. Electronic Funds Transfer Act ( EFTA ) : The denial of access to my account also violates the Electronic Funds Transfer Act ( 15 U.S.C. 1693f ), which ensures consumer protection when accessing their funds electronically. Blocking my access to funds in this manner is a violation of my rights under this law.

3. Truth in Savings Act ( TISA ) : The bank has further violated the Truth in Savings Act ( 12 U.S.C. 4301 ) by not adhering to its terms regarding access to funds. TISA mandates that depositors be provided clear terms for access to their accounts, which the bank has failed to honor.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

While checking my AT & T Universal Citi Bank Master Card online account, I found 12 charges totaling {$3500.00} that were not my charges. Me and my wife have these cards and no one else. We have both had them in our possession and no one else had access to them. All of these charges were at several different XXXX XXXX XXXX around the XXXX XXXX area. Neither me or my wife have been to the XXXX XXXX area in several years and have never been to any of these XXXX XXXX XXXX 
I contacted the Master Card Citi Bank Security and reported the charges. While making contact I found that my Security Code acces name had been changed which I did not do. I also found that a new address and phone number had been added to my personal information. This also was not changes that I had made. The address that had been added was in XXXX XXXX which is near XXXX XXXX and where some of the charges had been made, at the XXXX XXXX XXXX XXXX. I told the security people that the security code, address and phone number was not mine and to remove them. They cancelled my card and issued a new one. 
After receiving my new cards, a few days later I activated them and later checked my online account and found that four charges had already been put on my account that was not mine. Charges totaled {$1200.00}. These charges were made before I activavated my cards. Again, me and my wife had the cards continuously and had neither been around the area where the charges were made. I again contacted the credit card security to report the charges and found that the bogus security code had not been removed. Also the XXXX XXXX address and phone number was still there. After security cancelled my old card and issued a new one, they forgot to remove the information that had been added by the thief. When they mailed out new cards, 2 cards came to my address and one went to the thief 's XXXX XXXX address. I stayed on the line with security until they could tell me that the bogus information had been removed. They insured me that I would not be held responsible for any charges that were not mine. 
My next contact with Security was when they advised me that I would be responsible for paying for the charges because they found that the charges were made with a computer chip in our credit card which is my responsibility. I told them that it was likely that a chip in a credit card did make the charges as they mailed the thief a credit card on my account. They seemed to have difficulty connecting the credit card being sent to the thief and my credit card chip being used to make the charges, or possibly didn ; t want to address sending the thief a card. 
My next two contacts with Security remained that I would still be responsible for paying for the charges as their investigation revealded no fraud. 
I have no intention of paying for any fraudulent charges.
Consumer complaint received 2024-08-21
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (VA)

I received a check in the mail from a supposedly market research company for {$1900.00}. The instructions were to purchase gift cards in the amount of XXXX, copy the front & back of each card and email them with the purchase receipt to XXXX.I purchased 3 XXXX  gift cards for {$500.00} each. After emailing them I texted the following to XXXX : Store XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date & Time of Visit : XX/XX/year> ; XXXXXXXX XXXX Name of Cashier : XXXX Did the Store Clerk thank upon completion of purchase : Yes Overall Experience : Positive How Long to Check Out : XXXX minutes approx. 

After sending the email I became suspicious & began to investigate the whole scenario. I contacted my Bank also American Express re the gift cards I had purchased. 

Please help me to recover the funds withdrawn from my account to purchase the gift cards. I am a retired woman whose only source of income is Social Security and I will have to repay my bank the proceeds from the fraudulent check that I deposited in my account. 
Thank you
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-14
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: EQUIFAX, INC. (NV)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXX XXXX Balanced {$0.00}
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. (NC)

Experian an XXXX are reporting inaccurate information for an account with XXXX XXXX XXXX XXXX. This account is reporting a late payment which the late payment was credited to my account and should have been removed from my report as I was told by XXXX XXXX they are not supplying this info and that it would be corrected on XX/XX/year> but it was not. I need this information updated asap to reflect accurate info specifically late payment removed and account reporting paid as agreed.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (TX)

I have numerous letters regard the account being closed and never late based on law *FCRA Section 602 15 USCS 1666b a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from m credit report
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I have a user name and password for Experian 's website but they no longer let me log in. I tried " password reset '' but it won't let me. Their phone tree will NOT connect me to a live person, so on XX/XX/XXXX I snail-mailed a request for password help and included all the documents the website said they need, but I did not receive a reply. I snail-mailed another request on XX/XX/XXXX but they still did not reply. I snail-mailed a third request on XX/XX/XXXX and mailed it certified, return receipt requested. 
Today, XX/XX/XXXX, I got a form letter as a reply. It says, " Your personal credit report already displays a security freeze. '' And I say, HUH? What about my password reset??? 
Their letter says, " Report # XXXX for XXXX '', if that helps. 
Please contact Experian and ask them to provide a phone number to a human being who can help. They can send the phone number to my email address, XXXX BTW, I've had the same home phone number since XXXX, but it is now on VOIP. Perhaps that's the problem. One more issue - my cell phone, XXXX, is a " basic phone '' with no data plan. Their website 's " password reset '' function requires me to receive a text and click on a link, which I can not do. Please help! And... THANK YOU!!
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (GA)

I recently traveled on a vacation to XXXX and noticed several repeated charges on my credit card that I did not make in the amounts of {$120.00}, {$120.00}, and {$120.00} from some computer company as it was listed from XXXX XXXX payments the dates were XX/XX/XXXX, XXXX and XXXX XXXX  respectively. Once I reviewed my statement I immediately reported these transactions as fraud. I was shocked and upset to find out that Chase denied my claim. I chose the Chase XXXX card to have a sense of security when traveling and making purchases abroad and I feel that Chase did not do any due diligence when investigating my claim. I then reached out to this XXXX  processor myself and obtained receipts for these fraudulent purchases and discovered the dates and times and location of these purchases. I never was anywhere near where these fraudulent purchases were made and the signature used was not my signature. I forwarded Chase airline tickets, hotel accommodations and even an ATM withdrawal receipt proving my whereabouts ( no where near the location listed on the receipts I obtained from XXXX  ) ..Chase continues to say Im responsible and benefited for these fraudulent charges. I am livid. I pay a hefty annual fee for this travel card and cant believe how Ive been treated by Chase, all they provide is a XXXX or XXXX sentence response claiming I made these purchases when I 100 % did not. Its impossible to talk to anyone who is actually investigating these claims. When I call the person says not even they talk directly to these investigators. The customer service is horrible and I feel like I wasnt respected and was being called a liar. Its really what they are saying, calling their customer a liar. All they do is deny claims and stiff the consumers as it appears. I will no longer be doing business with Chase if this isnt made right. I will try my luck with XXXX XXXX for my travel card needs.
Consumer complaint received 2024-08-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NEW YORK COMMUNITY BANCORP INC (PA)

A title search revealed that a lien for a mortgage held by Flagstar Mortgage Servicing was incorrectly applied to a vacant parcel adjacent to the house associated with the mortgage. On or around XX/XX/year> we submitted an application for a lien release/remediation to Flagstar along with a {$350.00} application fee. All the required documentation was promptly provided to Flagstar as they requested it. We followed up with them repeatedly via email over the next few months to check on the status. Still unresolved after XXXX months had passed, they informed us on XX/XX/year> that they had transferred the mortgage to another servicer. They attempted to deliver the associated documentation for the lien release request to the new servicer, but did not confirm any reasonable coordination with the new servicer regarding my case. Further, I requested a refund of the application fee which they ignored. 

In addition to the {$350.00} application fee paid to Flagstar we paid additional sums to satisfy their requirements for the application : {$150.00} to XXXX party for a new title search {$550.00} to XXXX party for appraisal {$23.00} to XXXX party for copy of recorded mortgage Legal fees ( unknown amount at this time ) for the preparation of the application to include parcel to be released, parcel to be applied, copy of a survey and descriptions. 

In summary, after paying over {$1000.00} to remediate this situation it was never resolved in a span of XXXX months, and Flagstar sold the mortgage backed by a lien on vacant land to another servicer.
Consumer complaint received 2024-08-14
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: EQUIFAX, INC. (MD)

I am reaching out to express my serious concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies in these accounts and my repeated requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These incorrect accounts are significantly damaging my credit file and impeding my ability to lead a normal life. The consequences of these inaccuracies have caused considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter as soon as possible. 

I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that immediate steps are taken to update and correct my credit report without further delay. Your help in restoring the accuracy and integrity of my credit file is essential for me to regain control over my financial well-being. 

I earnestly urge you to prioritize this issue and take swift action. Your prompt cooperation and support in resolving this matter would be greatly appreciated. 

Thank you for your understanding and assistance.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX 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 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 XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX 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 2024-07-17
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: Experian Information Solutions Inc. (VA)

I found several mistakes on my credit report and I contacted Experian in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix these issues. This is a clear violation of my consumer rights.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX IS REPORTING IS A 30 DAY LATE PAYMENT TO XXXX AND XXXX FOR THE MONTH OF OF XX/XX/year>. I HAVE NEVER BEEN LATE ON THIS AUTO LOAN LEASE AND I HAVE DISPUTED IT MANY TIMES AND LAST YEAR XXXX XXXX XXXX XXXX UPDATED THE ACCOUNT STATUS TO XXXX AS CURRENT NEVER LATE WHICH IS THE ACCURATE REPORTING. THE ISSUE IS THEY ONLY UPDATED XXXX AND NOT XXXX OR XXXX. THEY ARE REPORTING THE STATUS OF THIS ACCOUNT INCORRECTLY AND I HAVE TRIED EVERYTHING IN MY POWER TO CORRECT IT. PLEASE HELP ME. THEY HAVE NEVER PROVIDED ME WITH PROF OF THE LATE AND KEEP DECLINING TO REMOVE IT FROM XXXX AND XXXX. THEY ARE NOT EVEN REPORTING THE CORRECT PHONE NUMBER. PLEASE HAVE THEM CORRECT THIS ISSUSE AS THIS IS AFFECTING MY RIGHT OF THE FCRA. IF THIS ISSUE IS NOT RESOLVED I WILL BE TAKING THIS CASE TO THE SMALL CLAIMS COURT.
Consumer complaint received 2024-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit is Unlawfully reporting account XXXX On my consumer report. 

Dear Midland Credit Management, I am writing to dispute the validity of the debt you have reported to the credit bureaus under my name, and to request detailed information regarding this debt. I believe Midland Credit Management is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Specific Concerns : Debt Reporting : According to IRS guidelines, any debt over {$600.00} considered charged off is treated as income and should not be reported on a consumer 's credit report. I request clarification and proof that this debt has not been charged off or considered as income. 

Debt Validation : I request certified copies of the following documents to validate the debt : Proof that the alleged debt has not already been satisfied by any means available, including but not limited to a tax write-off, an insurance claim, or selling the purported debt to a XXXX-party debt collector. 

Certified copies of all Public Hazard Bonds and/or Liability Insurance Policies , along with accounting demonstrating the financial capability of Midland Credit Management XXXX 
An affidavit signed under penalty of perjury that Midland Credit Management or any agents acting on their behalf have not violated any portion of the FDCPA. 

A certified copy of the original contract that Midland Credit Management has with me, XXXX XXXX showing my signature and the terms of the debt. 

Full disclosure of Midland Credit Management 's possession of first-hand knowledge at the time of this alleged debt. Please provide a notarized copy signed under penalty of perjury. 

Legal Rights and Obligations : Under the FDCPA, you are required to provide this information within XXXX days of receiving this letter. Additionally, any further collection activity without validation of this debt will be considered a violation of my rights under the FDCPA and FCRA. 

If you fail to comply with my request, I will be forced to file a complaint with the, Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. I may also consider legal action for any damages incurred due to your non-compliance. 

YOU ARE NOT IN XXXX XXXX COMPLIANCE. I WILL BEGIN ARBITRATION IF ACCOUNT IS NOT REMOVED. YOU WILL BE RESPONSIBLE FOR ALL FEES AND YOU WILL HAVE TO PAY ME FOR REPORTING INACCURATE INFORMATION AND DAMAGES.