davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 
The fraudulent, inaccurate, and false information consists of : 1. A Jpmcb Card credit card account opened on XX/XX/XXXX with a credit limit of {$5000.00}. 
2. A XXXX XXXX credit card account with a charge-off status and a credit limit of {$1200.00}, opened on XX/XX/XXXX. 
XXXX. A XXXX credit card reported on XX/XX/XXXX with a credit limit of {$1500.00}. 
XXXX. A XXXX installment account opened on XX/XX/XXXX with an amount past due of {$1500.00}. 
XXXX. A XXXX collection account amounting to {$710.00} opened on XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and collections appearing on my credit report. I do not recognize these accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. Attached are a list of the fraudulent items and a copy of my credit report showing these items. I also provide a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof of identity theft and fraud.
Consumer complaint received 2024-08-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: JPMORGAN CHASE & CO. (NJ)

Hello, Back in XXXX  when I closed on my home i was told i only needed to put down 15 % but then days before closing they forced me to put down 25 % in a days notice. I was very overwhelmed and had to borrow money from family in order to close on the home ( which to this day I am still unsure why they needed 25 % ). It was unclear and Im still left confused. My monthly mortgage was also not lowered by any amount, even though I put about {$26000.00} more down. My friend who is a financial lawyer informed me to contact CFPB about this. Not only that, Chase made me pay a ton of money for their lender placed insurance which was their fault completely. I was attempting to get my own cheaper insurance but needed the Declaration page of their insurance in order to get my own. I ended up paying over a XXXX dollars to Chase for their own lender placed insurance which felt like entrapment. I have attached all emails below :
Consumer complaint received 2024-08-13
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: DISCOVER BANK (FL)

On XX/XX/scrub> 2024, I sent a Cease Communication Request to Discover Bank under 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ). This request explicitly stated that Discover Bank should cease all communications with me regarding a debt of {$4800.00}. I took this action to stop any further contact from Discover Bank, as is my right under the FDCPA.

However, despite my clear and legally supported request, Discover Bank failed to comply. On XX/XX/year>2024, I received a letter from Discover Bank that not only ignored my request but also attempted to continue the collection process. In this letter, Discover Bank stated that the account and balance are considered valid and invited me to contact them to discuss the outstanding balance. They also included a warning that making a payment or even promising to pay could reset the statute of limitations, which would allow them to file a lawsuit against me.

This letter is concerning for several reasons. First, it directly contradicts my Cease Communication Request, which should have prevented any further contact from Discover Bank regarding this debt. Second, the letter appears to be a tactic to intimidate me into making a payment or acknowledging the debt, despite the fact that they are legally barred from taking further action due to the age of the account. The letter also indicated that Discover Bank is required to report the account to consumer reporting agencies as a disputed account until I advise them otherwise, which seems to be an attempt to pressure me into resolving the matter on their terms.

The actions of Discover Bank constitute a clear violation of the FDCPA, as they have not only continued to communicate with me about the debt after my explicit request to cease communication, but they have also attempted to use misleading and intimidating tactics to coerce me into making a payment. This has caused unnecessary stress and confusion, as I believed that my rights under the FDCPA would be respected.

I am filing this complaint to request that the Consumer Financial Protection Bureau ( CFPB ) investigate Discover Bank 's actions and take appropriate measures to ensure that they comply with the FDCPA. I also request that Discover Bank be instructed to cease all further communication with me regarding this debt and that any negative information they have reported to credit bureaus be removed.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Corp Solutions Inc. (AZ)

I am disputing an account listed on my credit report that I believe is fraudulent and does not belong to me. 

- **Account Number : ** XXXX - **Status : ** Negative - **Original Creditor : ** XXXX - **Creditor Type : ** Collection services - **High Balance : ** {$5600.00} - **Open Date : ** XX/XX/XXXX - **Last Reported Date : ** XX/XX/XXXX On XX/XX/XXXX, I discovered this account on my credit report. I have no knowledge of any debt owed to XXXX and have never entered into any contract with the debt collector associated with this account. I believe this account has been incorrectly or fraudulently reported under my name.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/year> at or about XXXXXXXX XXXX  ( PST ) I made a cash deposit at the Capital One Bank ATM located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. While counting the cash, the ATM turned silent and the following message appeared on the screen : " Withdrawals, cash deposits, bill payments, and check deposits are currently unavailable ''. The machine did not return cash and did not issue a deposit slip. 

On XX/XX/year> at or about XXXX XXXX  ( PST ) I contacted Capital One to advise that the money was captured by the ATM but the new balance is not reflected and I did not get a deposit receipt. 

After a detailed interaction with the bank 's representative, I was advised by that representative that the bank will not issue a temporary credit and instead, it will conduct a 10 days investigation only to determine if a temporary credit can be issued. 

I am not in a position to wait for this extensive investigation as I must pay bills and bank 's refusal to cooperate negatively affects me and my family.
Consumer complaint received 2024-08-13
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: DISCOVER BANK (FL)

On XX/XX/year>, I sent a Cease Communication Request to Discover Bank under 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ). This request explicitly stated that Discover Bank should cease all communications with me regarding a debt of {$4800.00}. I took this action to stop any further contact from Discover Bank, as is my right under the FDCPA. 

However, despite my clear and legally supported request, Discover Bank failed to comply. On XX/XX/year>, I received a letter from Discover Bank that not only ignored my request but also attempted to continue the collection process. In this letter, Discover Bank stated that the account and balance are considered valid and invited me to contact them to discuss the outstanding balance. They also included a warning that making a payment or even promising to pay could reset the statute of limitations, which would allow them to file a lawsuit against me. 

This letter is concerning for several reasons. First, it directly contradicts my Cease Communication Request, which should have prevented any further contact from Discover Bank regarding this debt. Second, the letter appears to be a tactic to intimidate me into making a payment or acknowledging the debt, despite the fact that they are legally barred from taking further action due to the age of the account. The letter also indicated that Discover Bank is required to report the account to consumer reporting agencies as a disputed account until I advise them otherwise, which seems to be an attempt to pressure me into resolving the matter on their terms. 

The actions of Discover Bank constitute a clear violation of the FDCPA, as they have not only continued to communicate with me about the debt after my explicit request to cease communication, but they have also attempted to use misleading and intimidating tactics to coerce me into making a payment. This has caused unnecessary stress and confusion, as I believed that my rights under the FDCPA would be respected. 

I am filing this complaint to request that the Consumer Financial Protection Bureau ( CFPB ) investigate Discover Bank 's actions and take appropriate measures to ensure that they comply with the FDCPA. I also request that Discover Bank be instructed to cease all further communication with me regarding this debt and that any negative information they have reported to credit bureaus be removed.
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Comerica (CA)

I am filing a complaint regarding Direct Express and my inability to access my XXXX XXXX funds. On XXXX XXXX, 2024. I received a direct deposit from Social Security to my Direct Express account. The XXXX XXXX XXXX has confirmed that the funds were sent to my account. However, when I attempt to use my Direct Express card, I'm told that my card/account is invalid. This is my only card with Direct Express. 
I have contacted Direct Express customer service on a daily basis from XX/XX/XXXX, up until today XX/XX/XXXX. But they have been unable to resolve the issue, only saying my account is invalid. But i have been receiving deposits to this specific account with no issues prior to XX/XX/XXXX. 

This situation has left me without access to my necessary funds, and is preventing me from purchasing meals. 

I am requesting that the CFPB investigate this matter and assist in resolving it promptly. I need immediate access to my XXXX XXXX benefits, which are my primary source of income.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (NC)

This card has a balance transfer balance at 0 % and is used for very minimal charges each month. I make large payments to pay off the minimal charges and large chunks of the balance which was set to be completed in the timeframe agreed to by XX/XX/XXXX. They claim that all of the interest charges are for current balance, which I don't have. They also just started charging me these interest charges on my current statement but are dating them back to XXXX - it is sudden and so strange. Note that this was my XXXX ( XXXX ) credit card that was changed to FNBO- which is when this all began. They still refuse they are wrong, will not refund my interest so I paid in full right away and closed the card.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WA)

XX/XX/24 XXXX came out of my account twice. I called Chase and told the person my rent was only supposed to come out once. It was explained to me I could contact the company that rent was paid through or do a stop payment and be charged XXXX XXXX The rent was paid via XXXX XXXX and they have a chat system no phone number and the chat system doesnt work well, you can only see half of the chat screen. I asked for the stop payment and was charged a XXXX $ fee. It is now XX/XX/24 and my checking account is still XXXX $ as chase failed to stop both payments ( they said they couldnt stop XXXX it had to be both ). XX/XX/24 called XXXXhase multiple times and spoke to countless people. I was told I could not get the XXXX $ stop payment fee back. I was told the money never left my account. I was told I guarantee you the money will be back in your account by XXXX EST. XX/XX/24 I called chase a good 3 times for a total of XXXX hours and spoke to XXXX different people. Today I at least was given the XXXX $ back for the stop payment that was never stopped. I was told by XXXX lady that she couldnt find any of the transactions I was referring to. I was told that I cant do a stop payment on a fee??? Not sure what she was smoking. I was told because the payments went through I now how to file a claim, there will be an investigation and I MIGHT get my money back in XXXX business days. Ive been without any money since XXXX. Ive spent all of my free time on the phone with chase trying to resolve this ( prior to the payment going through and after the payment ). And none of them seem competent at their jobs. This is isnt funny, its not cute, I need my money back now. There is nothing to investigate. It came out of my account, its a duplicate charge. I called and requested a stop payment and chase messed that up. So why am I having to wait out an investigation because chase cant execute a stop payment? I want them to now pay my interest rate Im racking up on my credit card and all the lovely late fees Ive been getting for bills linked to this account that arent getting paid. Fair is fair right? Worst customer service I have ever encountered. My favorite part is how from person to person they cant figure out if Im being charged over draft fees. Again all overdraft fees need to be returned as well. I dont over draft my account. Ever.
Consumer complaint received 2024-08-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (MI)

On XX/XX/year> Midland Funding LLC filed an objection to the writ of garnishment in the XXXX District circuit court. they illegally obtained my information from a creditor and did not have a consent. I was not notified by my employer or the courts. I do not have a debt with Midland Funding, and I was garnished triple the amount. I previously had received several harassing calls I asked several times for them to validate the debt because I had no knowledge they never did.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

On XXXX XXXX, 2024, I made a deposit, XXXX to my checking account with XXXX money order ( XXXX each ). This money is from my wife 's cousin, that we loan her for about {$10000.00} for the spend due to her spouse passed away. Then she payed back to us first half within the next few weeks and then we told her that to keep it there just in case if she need it, at this point, she need more than I do. And then this month, due to I just lost the job and I ask her for the money so I can pay up my mortgage, credit card, etc. I made deposit with everything and receipt come out said they need to hold it within XXXX business days and I'll attached to that for proof. And then next day, my wife took my daughter to the same branch that I deposit, to open a high school checking account. The person in there said she got restricted and then my wife said, why is that, need to talk to XXXX. But then the branch XXXX assisted them with that and they gave her a note for my me to call. In that call, they need to verified who's the second person on the money order and that is my wife. They put me on hold and before that, I told them that to get a translator because I don't want to get involved. While they're talking, I recorded the conversation. I recorded the Chase XXXX. After the conversation, they told me that they can not transfer the money into my saving account but they'll send the check home. I told them no and I told them they need the money now and they keep me on hold and transfer. On the date, the receipt showed my funds and available balance etc. I need to take it out to pay my bill. The thing is, when I want to talk to them, but I keep getting on hold. The next day, they closed down all my payment and now I'm late for every thing I needed to do. I don't know why they did that, please take back my money and be responsible. I already past due to my house and credit card too. I need that money asap, I will loose everything. Thank you, I appreciate, please review the attachment, voice, proof of deposit, screenshot from my account, etc, this the mandatory help, Thank you.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HYUNDAI CAPITAL AMERICA (CA)

Im showing 3 separate hard inquiries form XXXX XXXX XXXX XXXX Hyundai Motor Finance and Regional Acceptance ( bank ) On XX/XX/year>2023. 

I only authorized or agreed to one credit check while inquiring about a vehicle. I was completely unaware that they tried 2 alternative loan options. They failed to inform me of this. Ive called their dealership and have received no follow up. 

Ultimately Id like to get Hyundai Motor Finance and XXXX XXXX  Hard inquiries removed from my credit report. Any and all help would be appreciated.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CT)

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 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 informatin requested from the list of acceptable itms 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 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: TD BANK US HOLDING COMPANY (PA)

on XXXX I filed for a TD Bank secured credit card acct XXXX was closed within 2 years with no late payments being reported. 

on XXXX filed for another TD Bank secured credit card account under same account # XXXX. The problem was a class action law suit was filed and TD Bank staff opted me out and if I was oupted out how did I get a {$8.00} check? 

XXXX, while I was disputing with TD Bank staff on why my secured card was not eligible for graduation, and the XXXX lied to me that I was late a few times. And I pulled my credit report and it showed on all three accounts it shows no late payments reported. The settlement was being processed around that time. I should had received more than {$8.00}. NO I did not oupted out. 

Plus, I was still a TD Bank secured credit card holder. disputing with the bank. TD Bank discriminated against me, from not graduating my credit card and someone outing me out.
Consumer complaint received 2024-08-13
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Columbia debt Recovery did not inform me that I owed a debt. This was a {$130.00} charge that I sent a check for but I assume the check was lost because Columbia Debt Recovery was contacted and reported a collection to credit accounts without my knowledge. They never sent me warning about this.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (AZ)

I am writing to express my concern and frustration regarding the recent freeze placed on my bank account. It has come to my attention that this action was taken due to transactions from XXXX, a boat rental app where I rent out my personal boats. While I understand the need for security measures, I am perplexed as to why my account was frozen without prior notice or inquiry into the nature of these transactions. 

I have conducted numerous transactions with XXXX in the past without any issues. It is only now that Sofi has decided to freeze my entire bank account, causing significant disruption to my life. This sudden action has put me in a precarious situation where I am unable to pay my bills and meet my financial obligations. 

To assist in resolving this matter promptly, I have provided the contact information for XXXX and XXXX, another boat rental service I use : XXXX, XXXX XXXX XXXX XXXX Freezing my account without prior communication has caused undue stress and inconvenience. I kindly request that you lift the freeze on my account immediately and allow me to continue managing my finances without further interruption.
Consumer complaint received 2024-08-12
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: SANTANDER HOLDINGS USA, INC. (TX)

I am writing to express my grave concern regarding the derogatory rating on my account. This negative mark has already had serious consequences, including the rejection of a recent loan application and elevated interest rates on my existing credit accounts. The financial and emotional toll this has taken on me is substantial and ongoing. 

The ramifications of this negative rating on my credit profile are severe and far-reaching. It is significantly impeding my financial opportunities and causing undue stress in my daily life.