davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION (TX)

There are many problems with this lender but for the sake of this claim- I had to declare bankruptcy to protect my home due to their deceptive practices, and as I was exiting bankruptcy after 5 yearsthey didnt cash one of the final payments from the court. The check was eventually canceled all the while they were charging me late fees etc. They didnt miss a payment in 5 years but miss the next to last one.after the check canceled, the court moved the money to unclaimed funds. It sat there for MONTHS until I got them to finally request the funds. The court then alerted me the funds were mailed to them and almost a year later the funds have still not been accounted for or posted to my account. They do this hoping home owners wont be able to pay and fall into foreclosure. This lender and servicer are terrible. They should not be allowed to process or lend to potential home buyers. They send people to my home to check if the home is occupied and charge me for that. I have over XXXX in fees that should not be charged to my account. Please help me find this missing payment. This bank has cost me enough. I only declared to prevent them from being able to take my home. NONE of the legal processes were followed and my NEIGHBORS are the ones that told me my house was in foreclosure originally. You can see how distraught I have become over this bank and lender. I have made request after request and my lawyer has made attempts as well. We get the same song and dance that they will investigate and get back to meonly they never do. Your assistance is greatly appreciated.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Multiple banks have been allowed access my credit report, and to report hard inquiries, with incorrect personal information. I have filed two disputes already and this information is still not being removed. This allowance is a violation of my rights and privacy. 

Said inquiries are : 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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

I demand you to remove this account from all 3 of my credit reports asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on my credit report. 

XXXX XXXX XXXX XX/XX/2024 PORTFOLIO RECOVERY A XX/XX/2024 XXXX
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. Specifically the requested assignment contract chain and any other requested information. According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

We use Chase as our banking partner for our small business. Our industry has a few times per year where we are required to make large purchases and will not receive the product for several months. 

We were looking for a banking solution that would help with this situation. I set up an appointment and personally went into my local branch in XXXX California to discuss our situation with a banking professional. As a small business we rely on the expertise of our banking partners. 

After discussing the need for a line of credit or other type of banking solution, the representative told me that their " Flex '' credit card would be a perfect solution. At no time did the representative tell me that the amount on the card was due in full at the end of every month. This is the absolute opposite of what we needed. 

After our first purchase, we noticed that the full $ XXXX was due in full on the first bill. I reached out to Chase to discuss the error and see what we could do to resolve this issue. Every person I spoke with at Chase said there was no other solution then pay in full. 

In turn, since we could not make this payment, they closed the account along with our other account that was in good standing. On top of this they reported this to the credit bureaus causing my XXXX credit score to drop to a XXXX. 

The actions and negligence of Chase will bankrupt our business. The attitude from the Chase representatives is simply, it was all in the fine print in the terms and conditions. This is incredibly misleading. If I had gone through their website and picked out a card on my own, I would assume liability for the terms and conditions since I picked it myself. When sitting in front of a banking representative and relying on their expertise it should be their role to outline the details of the card they are suggesting for you as a solution. 

This behavior is predatory business practices. 

I pleaded with Chase to figure out any other solution to pay this amount back to them. All I wanted to do is pay them their money in any way besides in full. They refused.
Consumer complaint received 2024-11-02
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. (MA)

On XX/XX/year>, Chase sent me a letter in the mail about my application for a new " CHASE FREEDOM FLEX World Elite credit card '' I only just received this letter as it was at my in-laws ' house. 

The letter asked for follow-up information to complete my application. If they did not receive the information within 14 days, the application would " no longer be considered. '' I did not send any information, so I assume the card was not opened successfully.
Consumer complaint received 2024-11-02
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: ADP Inc. (CA)

Received message from card company asking if some charges where authorized by me. I replied no there where not. The card company sent me letter stating no fraud was committed. I replied back with letter stating it was obvious fraud. No reply. 
I called to check status, they stated they couldn't find said letter. I emailed my frustration, still waiting a reply. There was a charge of {$55.00}, then XXXX charges of {$140.00} then it stopped.Please help me in my situation. Sincerely, XXXX XXXX.
Consumer complaint received 2023-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Community Loans i want to know who instructed you to forward my mail as follows? 
XXXX XXXX XXXX C/O : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Property Address : XXXX, FL XXXX
Consumer complaint received 2024-10-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC. (SC)

On XX/XX/XXXX and XX/XX/XXXX I wrote all XXXX credit bureaus a certified letter requesting that Exeter Finance validate the detaila on my credit files. I requested validation of the debit showing that this was in fact my debit and the payments youre showing but never received any documentation, only an update from the credit bureaus saying it was validated. The account number that was provided on my credit file XXXX in the amount of {$0.00}, but shows as a repossession. The credit bureaus said the accounts were verified but never provided how they verified the account with the documentation that I requested in my letter to them within 30 days. I received no correspondence from Exeter Finance LLC regarding the debit validation that was sent. I am asking that this debit be completely removed if you are not able to validate the with the information I requested. How are you able to validate the account but not provide me with the documents I requested? Furthermore, I recently checked my credit report and I'm showing error the payment history. One report is updating that im actively It's making monthly payments, one shows the last payment made was XX/XX/XXXX but shows the car was reposessed in XXXX of XXXX. I have not made any of these payments. Please provide the transaction numbers, dates, amounts and method of payment that you are reporting to my credit file. I have attached a copy of the credit files as well. If this can not be provided im requesting I am removed from your system and the file be removed from all XXXX creidit bureaus. This was my request : Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Thank you, XXXX XXXX
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (FL)

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Levy & Associates, LLC (OH)

Well the company XXXX XXXX XXXX turned this over to levy and Associates and I wasn't aware of this debt nor did I know anything about this and they went and took me to court and started a bank garnishment against me well I wasn't aware of this debt and I have tried and tried to work with them and when I spoke to them they scared me to the point that I did a payment and yes it was returned for non payment because i called my sister and had her stoped it as I didnt recall I ever had an account with them. Well after which I have tried to speak to them and I have called several times and well it funny how they call is either XXXX mins along or longer and then they disconnect you. I have tried several emails and everything and nothing well they didnt do nothing about it I mean they went and put a cease and desist the debt well that not going to help me at all as they are still trying to have my bank account frozen which is wrong when I didnt authorize the debt and I just got the form today XXXX XXXX. They need to either contact the court to let them know or I will as I just looked where they tried to send the letters and so forth and I never received it. I mean me and wife is seperated I literally just got back in the home on XXXX XXXX. So I have been trying to get this straighen out since but you can't work with someone who don't return phone calls. So now once again.i want proof of debt as I pulled my credit report and it not on any of my credit report this is the final time I am printing this out and I am taking it up to the XXXX house on Friday if they don't make this right. So I am disputing this debt as I didnt no nothing about this and until they can provide me with proof this is the final time I asking.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX For Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on ( XXXX  ) and I noticed that these unauthorized inquiries had been made : XXXX XXXX XXXX ( Auto XXXX XXXX XXXX XXXX XXXX XXXX ( Auto XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ), XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted , the creditors whom placed the inquiry , and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, as per 15 U.S.C. 1692d I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your help and assistance.
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Wealthfront Corporation (PA)

I attempted to withdraw funds from my Wealthfront account via a wire transfer for {$500.00} on XX/XX/year>. However, the funds were sent to the wrong bank account. The receiving bank, XXXX XXXXXXXX XXXX, confirmed they rejected the transfer and returned the funds to Wealthfront. Despite this confirmation, the funds have not been credited back to my Wealthfront account, and it has been two weeks.

I have contacted Wealthfront multiple times to resolve this issue, but I have not received any response or update from them. This lack of communication has caused significant concern and inconvenience as I am unable to access my funds. I am seeking assistance from the CFPB to expedite the resolution of this matter and ensure the funds are returned to my Wealthfront account.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Block, Inc. (CT)

Around approximately XX/XX/year> of this year I received a card that I did not apply for. I immediately called and filed a complaint about the fraudulent activity. They send me an email and then I forwarded them the information and then I received a confirmation that it had been canceled and taken care of a few weeks later. Fast forward to today, XX/XX/year> I received another cash app credit card that I did not apply for. I never created a cash app account. My credit has been frozen since XXXX of this year. This should not be happening again as I have already made a complaint about fraudulent activity on top of the fact that my credit is frozen and no credit should be able to be taken out in my name.
Consumer complaint received 2024-10-30
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: CITIBANK, N.A. (CA)

I filed a dispute for a charge that was PENDING on my account, asking the company to NOT allow the charge to go through because I felt that the merchant had defrauded me and I wasn't getting a good feeling that the merchant would remove the charge from my account like they said they would. The company allowed the charge to go through anyway which has caused me a lot of headache - hours and hours of time spent providing documentation to the company to prove why I should not have to pay for the charge. The company sent all of the details over to the merchant and said they were working on my behalf to get the charges removed but it is clear to me that they have not read my documentation and only forwarded it on and accepted the response from the XXXX that they will not issue a refund to me and repeated it verbatum back to me in various letters indicating that I will not be reimbursed and they have closed my dispute. I have a ton of documentation and dates, notes, etc that is very hard to remove all personal information from in order to paste it all in this box. Instead of giving all of the details here, I am attaching all of the documents for your review and determination of what to send to the company for the complaint. Please start by reading the document that says " READ FIRST ... '', followed by the numbered documents in order of number. 
This started on XX/XX/year> when I disputed the charge that was put on my account on XX/XX/year> and was still pending at the time. It has been ongoing since then. The company closed out my dispute for the XXXX time on XX/XX/year> in favor of the merchant.
Consumer complaint received 2023-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

Have never refinanced my mortgage before. Proof of Satisfaction of Mortgage file with XXXX XXXX XXXX clerk office for property at XXXX XXXX  XXXX XXXX, XXXX XXXX, NY XXXX. Illegal transferred my home for {$1.00} ( one United States dollar ) to XXXX Bank. Fraud and theft of property, manipulated insurance claim funds with frivolous 1099 income with IRS when no mo et was actually tender. Cashed my $ XXXX check without my signature. Acknowledging frivolous filing my XXXX the previous services. 
Also, recently altered my Insurance check with incorrect claim number for {$49000.00} and {$30000.00}.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (AL)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.