davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

This company has violated federal law. They refuse to honor my cease and desist which in fact constitutes harassment. I am demanding that they cease and desist which includes deletion from my consumer report or i will litigate. Which will cost them thousands of dollars not including my statutory, or actual damages.
Consumer complaint received 2024-07-25
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: Park Hill Holdings (NV)

I saw that you reported my credit being a very low XXXX on an application for renting a home. After checking my credit with several bureaus, They confirmed my credit score to be XXXX and XXXX. Because you reported a XXXX I was denied on my application to rent a house. This needs to be corrected ASAP not 30 days later as you claim. This falsifying of my credit has now prevented me from moving forward with renting a home.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (ND)

I believe this is credit fraud since i did not filled the application or requested anything to do with this credit card company ; i should not have to pay anything on this card. I did not request or activate this card.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX & XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXXl 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 in 60 days 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. 


XXXXXXXX XXXX XXXXXXXX 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 XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (VA)

Facts : On XX/XX/XXXX, I obtained a free credit report from XXXX via XXXX. I noticed that my payment history for XXXX XXXXXXXX XXXX XXXX XXXX Account was reported incorrectly. It was reported that between XX/XX/XXXX through XX/XX/XXXX I was XXXX days late. ( See document 1 ) On XX/XX/XXXX, I disputed this error with XXXX via their web dispute portal and provided a screenshot of my payment history for this loan account. The screenshot showed that I was making payments during these months and not XXXX days late. During that same day on XX/XX/XXXX, I called ECSI, who is the loan services provider for this XXXX XXXX XXXX  XXXX XXXX Account to confirm my payment history and they were able to confirm that the payments were not late during that period. ECSI also created a case to correct my payment history with XXXX and promised to call me back with the resolution. ( See document 2 ) On XX/XX/XXXX, XXXX completed their investigation of my dispute and provided me with a new credit report with updated information on the disputed account. However, I noticed that the information XXXX updated contains additional erroneous information. This new report with the updated information showed that between XX/XX/XXXX through XX/XX/XXXX I was XXXX days late. I am utterly confused as to how XXXX verify and obtain this information because this entire account was paid off as of XX/XX/XXXX. ( See document 3 ) On XX/XX/XXXX, I submitted a second dispute with XXXX via their web dispute portal. This time I included 2 documents showing that the loan account was paid off including the final statement showing the final payment amount which can be confirmed via document 1. ( See document 4 and 5 ) On XX/XX/XXXX, XXXX, again, closed my dispute and provided me with an updated credit report. This new credit report still contains erroneous information. 
On XX/XX/XXXX, ECSI called back and notified me that they have updated my payment history for XXXX of XXXX. This was not the resolution that I needed.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid 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: TRUIST FINANCIAL CORPORATION (FL)

In XXXX purchased a puppy from a breeder, no paper work was provide, didn't have to sign anything. The breeder was pushing puppies with no paper work, the breeder preferred cash but told the merchant I would only pay with credit card to protect my purchase. Took my pup the next day to the XXXX, and my puppy was very sick. He had XXXX due to XXXX infestation and in poor health, i spent over $ XXXX and countless XXXX  visits to bring this pup back to good health as he was so sick and i was afraid he would die. I placed a dispute with Truist who is the issuer of my credit card. I submitted 32 pages of documentation from my XXXX along with USDA paper. The charge was for {$1700.00} ; after a few weeks Truist credit my account, and I was told that the credit would remain permanent and that the investigation ruled in my favor. Today, I received an email from Truist to advise me that the credit has been removed from my account and that the merchant provided document evidence to support their charge of {$1700.00}. i reviewed the paper work supplied by the merchant and the receipts are NOT in my name, they are in other people 's name, address, and phone number. Confused I contact Truist and they told me the merchant repre 'd with documentation, and even though it does not have my information listed, i am still responsible. I was sick to my stomach knowing my bank can hold me accountable for someone else 's purchase!
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Consumer Adjustment Company Incorporated (CA)

Subject : Request for Investigation of Identity Theft on Credit Report Dear [ Credit Bureau ], I am writing to bring to your attention a serious issue that has negatively affected my credit report due to identity theft by a family member who shares my same identity. I am the victim of fraudulent activity that has been perpetrated by XXXX  XXXX who is identical to me and has maliciously used my personal information to open unauthorized accounts. This situation is especially distressing as XXXX  XXXX ] and I have a tumultuous relationship resulting from personal betrayal when she had an XXXX  with my husband at the time. I strongly believe that her actions in committing identity theft against me are a deliberate attempt to cause further harm and damage to my financial well-being. I have taken steps to address this issue by contacting the credit reporting agencies and initiating disputes for the fraudulent accounts on my credit report. However, I urge you to conduct a thorough investigation into this matter to rectify the inaccuracies and remove any unauthorized transactions XXXX  XXXX {$1000.00} XXXX XXXX  {$1000.00}
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CT)

I would like to report Chase Bank unfair practices and unfriendly consumer business practices. I had applied and received an approval for Chase XXXX XXXX credit card ( last XXXX digits XXXX ) in XX/XX/year>. 


I started using the credit card by charging to pay for my upcoming vacation, for the amount of {$2200.00} and {$2800.00} respectively on XX/XX/year>. 

Since this was a new credit card, I was not aware of the pending amount as I never received an email or a physical credit card statement. When I realized the time had passed but I did not receive the statement, I logged into the Chase account on XX/XX/year>, and saw a pending balance of {$5100.00} which included an interest payment of {$110.00}. I immediately made the complete outstanding balance. To my surprise the next billing statement had an additional {$85.00} interest charge and late fee of {$29.00}. 

I contacted the Chase customer service and XXXX to see if these charges can be reversed, the customer service agent was able to waive the late fees of {$29.00}. Unfortunately, the customer service agent and the supervisor could not waive the fees even after agreeing these were circumstances that were beyond my control. 

Due to the circumstances, I feel I should be given a one-time exception and the interest charges {$110.00} and {$85.00} should be waived. My record is impeccable, I have always made my payments on-time. These were circumstances that were beyond my control, I am XXXX XXXX and therefore my memory is not as sharp as it used to be. 

Looking forward to your help in resolving this issue. In case you need any further please do not hesitate to reach me.
Consumer complaint received 2024-07-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (HI)

I received notice from Source Receivable Management that I owed XXXX XXXX  XXXX XXXX dollars from some unknown purchase. I have contested this accusation several times but I am still being billed from something I did not purchase nor did I order! 
The information is so sketchy. XXXX XXXX should do their research. I am informed that a payment or XXXX was made and then it dropped off making this bill go into collection! I did not make any payments and XXXX XXXX should do their research before charging me with this outstanding debt!! They should follow through on the payment source before accusing me of an account I do not own.
Consumer complaint received 2024-07-28
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have enclosed a copy of my credit report with the incorrect entry highlighted for your reference. Additionally, I have included supporting documentation that proves this account is not associated with me, including [ e.g., a police report, affidavit of identity theft, or any relevant documents ].

I kindly request that you investigate this matter and remove the erroneous entry from my credit report. This incorrect information is adversely affecting my credit score and needs to be corrected as soon as possible.

Please confirm the receipt of this dispute and inform me of the resolution. If further information is needed, feel free to contact me at the above address or phone number. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (NY)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Source Receivables Management regarding the collection account number XXXX. I dispute owing any and all debts to Source Receivables Management and request your assistance in resolving several issues related to their conduct and compliance with federal laws.

1. **Dispute of Debt** : I dispute owing any and all debts to Source Receivables Management.

2. **Communication Rights Revocation** : I hereby revoke all rights of Source Receivables Management to communicate with me through email, text, or calls.

3. **Request for Debt Validation** : I formally request debt validation for the aforementioned account. To date, I have not received any validation information as required under 12 CFR 1006.34 ( b ) ( 5 ).

4. **Request for Purchase Agreement** : I request a copy of the purchase agreement between Source Receivables Management and XXXX XXXX XXXX XXXXhat validates their authority to collect this debt.

5. **Request for Removal of Collection Account** : I request the removal of this collection account from all credit bureaus as Source Receivables Management has not provided validation information and is in violation of my consumer rights.

6. **Licensing and Bonding Proof** : I have discovered that Source Receivables Management is not currently licensed to conduct business in New York State . I request proof that they are licensed and bonded to operate in New York State. 

Additionally, Source Receivables Management has placed a collection on my consumer report without providing the necessary validation information under 12 CFR 1006.34 ( b ) ( 5 ) and without giving me a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ). This is a clear violation of my consumer rights. They are also using false, misleading, misrepresentative, and deceptive means, further violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I seek your assistance in investigating this matter and taking appropriate action against Source Receivables Management for their non-compliance with federal regulations. I appreciate your prompt attention to this issue and look forward to a resolution. 

Thank you for your time and consideration.
Consumer complaint received 2024-07-28
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company (NY)

XXXX XXXX XXXX is holding onto package, not responding back in a timely manner and is causing delays to the closing process. Here is the current timeline of events. 

XX/XX/2024 - Completed and signed all XXXX XXXX documentation. 


XX/XX/2024 - Paid Processing Fee. XXXX stated package is forwarded to a XXXX XXXX. 


XX/XX/2024 - Called Customer Service to speak to XXXX XXXX. Told they would call me back within XXXX hrs. 


XX/XX/2024 - Never received called back. 


XX/XX/2024 - Called Customer Service again to speak to XXXX XXXX. 
Received callback from XXXX XXXX. Loan Processor requested for more documentation ( Home Insurance, Rental History, SSI Card, etc. ) and had to repull credit. 
XXXX XXXX told me package will be sent to underwriter once receives the requested documentation. 
All documentation were submitted to XXXX XXXX same day on XX/XX/2024. 


XX/XX/2024 - Followed up with email asking if XXXX needed anything else. No response. 


XX/XX/2024 - Follow up with email asking if XXXX needed anything else. No XXXX. 


XX/XX/2024 - Called Customer Service to speak to XXXX XXXX. XXXX messaged to loan processor. No response. XXXX created call back ticket for a call back from XXXX XXXX within XXXX hrs. 


XX/XX/2024 - No call back received XX/XX/2024 - Called Customer Service to speak to XXXX XXXX. 
XXXX told me I would receive a call back within XXXX mins. Did not receive a call back within that timeframe. After XXXX hrs, received a call back. Told me package can not move forward to underwriter until " Request for Verification of Rent or Mortgage '' form is obtained back from previous landlords.
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Moore Law Group (NV)

My paychecks had been garnished since XXXX of 2024 in the amount of {$320.00} per check. The last garnishment from my check on XX/XX/XXXX was an amount of {$500.00}. I owed a total of {$2200.00}, but I have now paid a total of {$2700.00}. I contacted the firm in which I owe and they still say I have a balance and are trying to figure out why. They are going to continue to garnish my wages until this is settled and at this point it is overpaid.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA is constantly defaming and slandering my name! They are very XXXX and this matter should be addressed immediately. A representative from USAA filed a complaint stating that I am exploiting my father because I have POA over his account.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (VA)

I recently moved and needed to update my address for each of my personal accounts. I have updated my information through the XXXX, state for voting registration, bills, banks, etc. Each of these I had the ability to do online without issue. However, Chase Bank has an inferior app where the system will not allow you to up addresses if the system does not recognize the address. Frustrated, I called customer service to have it done over the phone. I completed the authentication process and made my selection to speak with a customer service representative. However, the call disconnected, forcing me to endure the service call and authentication process again. I did so and the call dropped a second time. I called a third time and finally spoke to a customer service representative who attempted to update my address only to tell my that the system liked me out for XXXX hours because I did not authenticate prior to speaking with the representative. Venting my frustration to the representative as I explained the previous XXXX calls and failed attempts to reach someone, in addition to the system not recognizing my address, she told me that I needed to go into a bank. After an hour of trying to work this issue XXXX XXXX  - XXXX XXXX on XX/XX/year>, another representative informed me that Chase removed the ability to update phone numbers and addresses online and forces customers to either call or visit a branch. The reasons being that they want to mitigate fraud online. My counter to this is that someone who has my information to access my account online/mobile app will have the same information necessary to authenticate over the phone. Customers are only required to issue the account number ( found on the app or card ), the current address ( found on the app ), and first/last name ( again, found on my account ). The reasons of security as the motivation to make this decision without the input of the account holder makes XXXX sense and inconveniences the customer. I live in the Washington DC XXXX XXXX and do not leave work until XXXX, if not later. Chase Bank closes at XXXX, eliminating XXXX XXXX XXXX to manage my account. As experienced today, getting to a customer service representative after authentication prove just as difficult ( if not impossible ). Therefore, Chase Bank is forcing me to either not update my information and have my secure account information via billing statements, to go to my old address where someone else now resides. Now, I ask, is this a security issue warranting the action of Chase Bank to rethink their policies? After all, if customer account security is at the forefront of their decision making process, I would submit that having my account information going to someone who is not me makes a very big deal that needs remedying. I have asked and demanded that account management be restored to the customers ( at least myself ) to no avail, thus forcing me to file an official complaint against JPMorgan Chase Bank.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MO)

I am a XXXX XXXX XXXX  XXXX XXXX checking account holder. 

My account was transitioned to Chase a few months ago. As a result of this merger Chase has been subject to close inspection and monitoring by the regulatory agencies regarding how they handle these customers.

In the process of moving me and my spouse to this new Chase account there have been a few NSF checks deposited due to errors and now Chase is threatening to close my account due to these few issues.

I want Chase to remove their restrictions and either remove the mobile deposit attempts for these checks or allow me to re present them after I resolve the issue with the funding source. 

These restrictions are blocking direct deposit which has not allowed my payroll to come in and is putting me in a negative balance.
Consumer complaint received 2024-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

In XX/XX/XXXX I applied for a XXXX plan and specifically marked and applied for the XXXX plan knowing that I would then be transferred into the XXXX plan. This is reflected in the application I submitted. I have since noticed that on my Nelnet account that I was in the XXXX plan and that interest was still accruing. I emailed Nelnet on XX/XX/XXXX and XX/XX/XXXX to explain that I should be on the XXXX plan and not the XXXX plan. Nelnet responded with form responses that did not address my issue : that they enrolled me in the wrong plan. When I have attempted to call, I have been told wait times are in the multiple hours. As a lawyer, I do not have time to wait on the phone for hours to talk to a representative.
Consumer complaint received 2024-07-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (MD)

I have never been late on this personal loan. I started paying an extra amount of money on the loan with my payment or on another day of that week it is due. They are taken out interest on that extra money even though I paid my amount due on time. I called them twice and each time they stated no matter when I paid extra on the loan they will take out the interest on and lower that amount I put on the loan at that time. Now when I pull extra money on the loan it's stated I'm paid ahead until XXXX. Can they do that : taken interest out of extra money that should be applied to the principal and can the add it to the next month payment?