davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (OH)

This company is reporting fraudulent inaccurate information on my credit reports. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. To Whom It May Concern : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to 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. 6. Chain of Custody 7. Assignment of Contract 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 2024-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (OH)

Your company JPMCB is reporting an account of debt in the amount of {$11000.00} to Credit Bureau 's. I have not acknowledged this debt and have made several attempts to have documentation showing how the debt originated, like a copy of the signed original agreement or contract. These requests were my made by dispute on XX/XX/year>, XX/XX/year>, and XX/XX/year> and none has been provided.
Consumer complaint received 2024-10-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Marlette Funding, LLC (CA)

Dear Creditor/Debt Collector, Please see the attached creditor letter from the XXXX  that I received today of Friday, XX/XX/year>. I am forwarding it to you as additional information regarding my unfortunate situation that occurred last year for your understanding and consideration. Sincerely, XXXX XXXX
Consumer complaint received 2024-10-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

Today XX/XX/year> I found a listing on XXXX for XXXX XXXX tickets for tonight game XXXX XXXX XXXX. The person at number XXXX was responsive and sent me a screen shot of the ticket. Then he sent me number XXXX name XXXX XXXX for payment on Zelle. He was on the phone with me when I sent the money {$720.00} for XXXX XXXX tickets and said he would click right away to transfer tickets on XXXX. He said he was on the other line with season ticket office to make sure transfer happened. He then dropped the call and blocked my number.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Several months ago after I woke up to a theft of my money in my bank account where a thief got a hold of my debit card number and illegally purchased something on XXXX. I called XXXX and XXXX would not stop the transaction, would not give me my money back, would not tell me what was purchased, would not tell me who purchased it, would not email me the transaction, would not post anything about the purchase on my app or website account for me to see what happened. XXXX helps the major thief assisting the thief therefore aiding and abetting and I want to sue XXXX.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

Under the Fair Credit Reporting Act, it is crucial that consumer reporting agencies uphold fairness, impartiality, and respect for the consumer 's privacy. XXXX, XXXX and Experian are three such agencies, but as the consumer, I have the right to ensure that my private information is not shared. This right is supported by legislation that emphasizes financial institutions ' obligation to protect their customers ' nonpublic personal information. 

As a financial institution, the furnisher of information to credit agencies is obliged to respect my privacy and can not divulge any nonpublic personal information without my written consent. XXXX, Experian, and XXXX, the furnisher of information to credit agencies do not have my consent to share my information, and any prior consent is now revoked. 

Furthermore, according to the legislation, a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise their nondisclosure option. The furnisher of information to credit agencies did not inform me of my right to refuse disclosure. 

The consumer reporting agencies, XXXX, XXXX and Experian, are also violating the law by reporting adverse information without consent, as well as inaccurate information. They should have reasonable procedures in place to prevent such violations and limit the purposeful sharing of consumer reports. 

Therefore, in compliance with 12 CFR 1016.7, I am opting out of their reporting services.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

why are XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX reporting late 60, 90 days late on XX/XX/XXXX and XX/XX/XXXX?  Where do this numbers came from? They are completely inaccurate. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it.. The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

in 2010 so meone filed a bankruptcy in my name not sure but believe it was my ex-husband from a nasty divorce my credit is perfect and I had no need to file a Bankruptcy.   FCR A 603 ( o ) ( 5 ) ( A ) ( i ; iii ) This has t o be remove
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NJ)

XX/XX/XXXX I opened my checking account, and nothing looks wrong. There was no hint I needed further action or documents. 
XX/XX/XXXX I received a XXXX email, filled it and scanned my ID online. 
XXXX I still can not fund the account, all my deposits have been reversed. M & T XXXX says " it's still under review that's why it's frozen. You can wait until Thursday to call back. '' XXXX My savings account that I used to fund the M & T account both got reversed and frozen ( that I have to call to resolve it ). I called M & T again asking if I could close the account and delete everything I had with them. Their rep told me I can not do anything unless I go to a branch. The closest branch is XXXX away and only open XXXX to XXXX. 
XXXX Called XXXX time. After XXXX phone holds and transfers to 'another department ', they told me the account ban has been lifted on XXXX but I have to " call another fraud department to lift the online client ban ''. Here we go again on the XXXX call. 
XXXX they locked my online account again for no XXXX  reason! I had to call the XXXX time! They still did not tell me what the issue was all the time and were almost mocking me. 
Up to this moment, I still can't fund this account and the first monthly fee is on its way. I can not close my account either unless I drive to their branch and pay an early closing fee.
Consumer complaint received 2024-10-09
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: Westlake Services, LLC (FL)

I did not authorize any of the inquiries below. 

XXXX XXXX file NOWCOM/XXXX XXXX XXXX- ( inquiry ) XX/XX/year> PLEASE REMOVE IMMEDIATELY!!!
Consumer complaint received 2024-10-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Eaton Group Attorneys LLC (LA)

Seeking legal action against the company. 
Since XXXX I've been asking XXXX XXXX now Eaton group to provide the original documents from XXXX XXXX which would prove that XXXX XXXX did not give me the proper credit to my account. XXXX XXXX also received payments from me not posted but deducted from my bank account later given to XXXX XXXX. 
I've asked several times before the debt was sold to XXXX  to please provide that information and the only thing I have received is XXXX XXXX petition for suit of the debt. 
Currently now my wages are being garnished and the judge has not signed the garnishment! No Validation of debt, incorrect credit to my account, manipulating documents to make the court think the debt was established in XXXX instead of XXXX. XXXX sent documents which should match Eaton Group but the amounts and documentation proves that XXXX XXXX and Eaton Group hasn't properly credited my account. 
Letter attached is part of what they consider a validation of debt. I have not been provided anything from the original contract.
Consumer complaint received 2024-09-12
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: EQUIFAX, INC. (CA)

15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy. I received the letter with my dispute results from XXXX, XXXX, and Equifax and I need to know WHY these inquiries are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (MO)

I closed my secured credit card with first progress XX/XX/year> the deposit was for XXXXXXXX XXXX and they are saying its going to take up to ten weeks but when asked for more information or who I can talk to about expediting the process and all they have said is we dont manage things for example : There app They say they dont handle reporting to the credit companies They say customer service doesnt handle payments And would give me a round about answer about almost everything They say to expedite the process you have to send a letter in to their correspondence team but the only way to contact said team is through mail or fax. There is no communication, no words, no emails, no confirmation and all Ive been told is Im gon na be out my money til the beginning of XXXX and that theres nothing they can do about it because they have to take up to 10 weeks to verify my account balance and send me back my funds. It also took them a lil over a month to accurately report on my credit account showing that my balance had been paid and that my account is closed and its still showing I have a balance currently.
Consumer complaint received 2024-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Im emailing at the direction of the MN Attorney XXXX suggestion ( XXXX XXXX. XXXX ) On XX/XX/XXXX Bank of America withdrew 2 car payments on the same day for the same amount ( {$510.00} ). XX/XX/XXXX I called the phone # they provided and spoke to the person, who confirmed they had done that the money was deposited in their bank, and cleared my bank. She indicated Bank of America would CUT me a Check and Mail it to me in TWO weeks. When I asked why they couldnt just electronically put the money back, her response was thats not the bank policy. 
I called back on XX/XX/XXXX to follow up and I was told the check was in the mail. I called again on XX/XX/XXXX and was told it hadnt been XXXX Business days, so there was nothing they could do. 

So it is BoAs policy to steal the customers money then hold on to it as long as possible, then return it with no interest, no addition fee, no penalty etc.. they surely wouldnt accept that for a payment TO them. This caused significant issues for me and BoA didnt care. 

I actually got the check XX/XX/XXXX ( 25days after they stole it from me ). And I say Stole it from me, because BoA helped me get my account set up for auto withdraws Im not that tech savy, so I called them for help and they set it up as an auto withdraw AND was a web payment. 
When I called on XXXX notifying them of the issue, they did correct the problem, but WOULD not electronically return my money, let me go to a branch and collect the cash, all I could do is wait 25 days ; although they said it only would be XXXX weeks. What a terrible policy. 

As you can tell I did file a fraud compliant with the MN Attorney General. And I might notify the local news agencies since I have the documentsand see if they want to run a story. What a XXXX policy and a terrible way to treat customers. 

XXXX expecting some financial return for being without my {$510.00} for a month Im expecting a late fee, interest and some penalty for BoA keeping my money. I dont want some flimsy excuse and apology. Their policy needs to be changed and the person that approved it should be terminated
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IL)

My checking and savings accounts were blocked frequently. Called the bank many times for the reason. The answer is that my brokerage account advisor needs my information. I have been their customer for decades and they have all needed information. Ironically my brokerage account is not blocked. In blocking my checking and savings accounts they prevented me to access my money and caused the problem of paying bills including mortgage. I dont know why a bank allows a brokerage account advisor block customers bank accounts and nobody in the bank can solve this problem.
Consumer complaint received 2024-10-09
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: JPMORGAN CHASE & CO. (NJ)

I discovered that on XX/XX/XXXX and XX/XX/XXXX there were several purchases on my daughter and I 's joint Chase account that were fraudulent. I knew immediately that the charges were not hers because she has been in XXXX studying abroad since XX/XX/XXXX. The charges were made in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, as well as a couple of other cities. Neither of us has been to any of the places. Thus I filed a claim with Chase. They opened an investigation and credited the charges back to the account, but several days later I saw that they " reversed '' the charges. When I inquired about why they said that they couldn't prove the charges were not legitimate .... 
I said I don't understand why since I can certainly prove that my daughter has been in XXXX since XXXX and that charges made on the card which reflect that fact. They said sorry but I had no recourse... 
This was obviously unacceptable to me. So I am reaching out to you for help to resolve this issue. 

Thank you in advance.
Consumer complaint received 2024-10-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: ALLY FINANCIAL INC. (TX)

I was financially hurting due to hurricanes in my area of XXXX, XXXX, and applied to a payment extension due to these hardships on the XX/XX/XXXX of this year. I spoke extensively with a representative to help me in this regard. At the time, I was unaware of how to go about getting a payment extension, and I made sure the representee was aware of this. Essentially, the representative told me at three points of time, twice on XX/XX/XXXX, and once more on XX/XX/XXXX. that I just had to make a payment of XXXX for me to be placed in payment extension for 2 months. The rep also told me directly to take my account off of auto pay. They assured me my account would be fine, but when I checked back on XX/XX/XXXX, the company claimed not to honor my extension, because I did not mail in signed paperwork and my car was uninsured. But ( and I have evidence of the same ) I was not informed of any paperwork that I needed to sign and mail in, and my extension was still approved even though my car was uninsured previously. I spent the entirety of last month, as well as all of this month so far, speaking to reps from Ally banking, from customer service to representatives. But no matter who I speak to, they always say one thing, then do another. Promise a callback, then no response for two days, and other things of that nature. I need help resolving this case, because a representative of Ally Banking gave me incorrect instructions to fill out a request that I direly needed. I have tried speaking to the bank directly, and I have tried having the XXXX XXXX XXXX  intercede on my behalf, but no matter what action I take, the company continues to maintain that the fraudulent negligence of their employee in informing me about the payment " extension '' is valid grounds to have my account in default. I've been harassed dozens of times over the past few weeks with robo calls and agents that are uncooperative, and I'm not sure how to proceed. On XX/XX/XXXX, I was called three times, I called back, waited for an agent to assist me, then was hung up on. Overall, the companies only response is that, they admit they made a mistake, but have refrained from assisting in my account. This is harshly impacting me, and my family, and hurting us in a time of financial recovery.
Consumer complaint received 2024-09-02
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. (IL)

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax, upholds the law. This section of the law mandates that credit reporting agencies, upon receiving appropriate proof of identity theft, such as an FTC Identity Theft Report, must block the reporting of information that the consumer identifies as resulting from identity theft within four business days. Equifax has refused to promptly remove these fraudulent accounts. I spoke with a representative from Equifax who informed me that these accounts would be blocked and removed. As an active member of the military, it is critical that these fraudulent accounts, which are a result of identity theft, be removed and blocked from my report immediately. My roles, especially those requiring security clearances, involve thorough background checks, including a review of my credit report. These fraudulent accounts could raise concerns about my financial stability, potentially jeopardizing my clearance and performance.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc (AL)

To Whom It May Concern : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to 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. 
6. Chain of Custody 7. Assignment of Contract 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 2024-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

My home mortgage was sold to Shellpoint Mortgage Servicing earlier this year. In the last month or so I've received 2 letters telling me they don't have proof of hazard insurance for our property and will be taking out their own policy. I've had hazard insurance since XXXX. My insurance company has submitted proof of insurance 3 times this year. Shellpoint continues to deny they have received it. Now they have sent me a letter telling me they are adding a {$640.00} escrow fee to my mortgage payment to cover hazard insurance that I already have. 

My insurance agent sent another copy of my hazard insurance policy today ( XX/XX/XXXX ). I followed up with a phone call today and after a long time on hold was told they still don't have any proof of insurance. 

Please tell me how to proceed to prevent pay this unnecessary escrow fee.