davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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: CITIBANK, N.A. (NC)

I am writing to dispute an unauthorized credit inquiry that appears on my credit report dated [ XXXX XXXX ]. The inquiry was made by [ CITI BANK NA BEST BUY ] without my consent or knowledge, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 604. According to my records, I did not initiate any transaction or authorize [ Company/Entity Name ] to obtain my credit information. I request that the CFPB investigates this matter and ensures the immediate removal of the inquiry from my credit report. I have attached relevant documents that support my claim.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (UT)

I am writing to request validation of a debt you have claimed I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and obtain verification of the alleged debt, and I am formally requesting such validation. 
Please provide the following information to validate the debt : The name and address of the original creditor. 
A copy of the original agreement or contract that generated the debt, showing my signature or other evidence that I agreed to the terms. 
A complete payment history that shows how the amount being claimed was calculated, including all fees and interest added. 
Proof that you are legally authorized to collect this debt, which includes : A copy of the assignment contract or agreement that legally transfers the debt from the original creditor to your company. 
Documentation showing the chain of title for the debt if it has been transferred more than once. 
A copy of any judgment, if applicable, that has been obtained against me. 
Please consider this a formal dispute of the debt until validation has been provided. If you are unable to provide the requested information, I request that the debt be removed from my credit reports and that you cease any further communication regarding this debt, as required by the FDCPA.
Consumer complaint received 2024-08-13
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldridge Pite, LLP (GA)

XX/XX/year>, at XXXXXXXX XXXX at XXXX County Magistrate Courtroom I had a hearing in regards to an illegal Dispossessory Proceeding filed by Aldridge PIte LLCs Attorney XXXX XXXX XXXX. During this hearing, I was provided with a Deed that reads Aldridge Pite LLP as the Real Estate Owned ( REO ) Property owner. This Deed was newly added and the previous Deed information has now been removed and replaced. I stated that the information was new and had not been provided to me previously, however, my concerns were ignored, and an eviction was granted giving me 7 days to vacate the property. 

After the hearing, I went to the XXXX Court to try and get an understanding of the changes made in the recordings. I had spoken to the Clerk on duty about the replaced documents previously before the changes. The Clerk could not confirm these changes but by conversation, it is clear the documents were removed and changed. 

I attempted to contact the Clerk of the Court XXXX XXXX XXXX who oversees both Magistrate and Superior Court to get an understanding of why I am unable to see or find previous e-filed documents that I received notification from the Filing Activity Notification System ( F.A.N.S ) on XX/XX/year>, but my calls go unanswered. 

It was found through dispute the money requested from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX was not owed. Aldridge Pite LLP has received my Deed illegally. 

I am in touch with a representative at the XXXX XXXX XXXX XXXX email XXXX who states that the organization is a trader of Trust and not a regulator of mortgages. I explained that I am unable to get in contact with the supposed servicer XXXX XXXX XXXX or representative Aldridge Pite LLP. The representative stated that they would forward my concerns to XXXX XXXX XXXX in an attempt to get XXXX XXXX XXXX to respond to my concerns. 

My next step is to contact XXXX XXXX XXXXXXXX XXXX XXXX in regard to a Limited Power Of Attorney drafted and recorded by XXXX XXXX XXXX XXXX book 13750 page 259 that was obtained XX/XX/year> and recorded XX/XX/year> only after the supposed foreclosure on XX/XX/year>.
Consumer complaint received 2024-08-13
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

Macy 's American Express offered XXXX zero to low-interest balance transfer offers, which I accepted. As a store card, I have also used the Macy 's American Express to make purchases from Macys.

When I make payments sufficient to pay off the amount of the clothing purchases, Macys does not apply the payment in full to the purchases, but rather to the zero to low-interest balances, so the purchase amounts end up having very high interest 31.999 % applied to them. 

Aren't they required to pay off high interest rate balances first? 

These devils trick people into 32 % interest.
Consumer complaint received 2024-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (IN)

every month Selene finance charges me hundreds of dollars in fees in when I bring my account current. There is no explanation for the fees and the fees are hundreds of dollars. 

In XX/XX/year>, I paid over {$3700.00} to being my account current and prevent foreclosure. Selene only credited me for {$2400.00} approx. and charged me fees for the rest of the money. 

The very next monththey charged me almost {$400.00} in fees. None of the fees have valid explanations. 

I would also like to see the policies and fee schedules for late payments and foreclosures. 

I can never get ahead because they do not apply my payments to the principal and interest. They constantly take my payments for their bogus made up fees.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

On XXXX XXXX XXXX, my wallet was stolen from me. I immediately reported the incident to the police and to the bank. The bank replaced my debit card. The person who stole my wallet had my account information and my debit card and have used it to purchase some items for {$250.00} from some stores. That money was credited to my account by the bank. 
However, the person who stole my wallet went to an M & T bank branch at XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX and withdrew {$7000.00} from my account using a withdrawal slip by faking my signature. The date on the withdrawal slip is XXXX XXXX. 
The statement indicates that the money was withdrawn on XX/XX/2023. The bank claims that even though the fund was withdrawn on the XXXX, the date on the statement is the day it was posted. I was at the XXXX XXXX, MD branch on the XXXX, but the money was withdrawn from the XXXX XXXX. I was at the XXXX branch on the XXXX. to make a deposit but not to make a withdrawal. They showed me a camera footage of me at the casher window. No proof that I made a withdrawal on that date. Furthermore, why would a cash withdrawal take six days to be posted? It doesn't make sense. That is why this clam by the bank has to be investigated. Thank you for looking into this matter.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2024, I submitted complaint # XXXX. On XX/XX/2024, Wells Fargo replied that they had investigated and closed the matter. My complaint centered around the fact that I was induced to open a " XXXX XXXX  '' with approximately {$300000.00} based on a promise of a {$2500.00} bonus. Wells Fargo 's arbitrary settlement was to credit my account with {$500.00}. I know Wells Fargo 's settlement was arbitrary. I also believe it was in bad faith because Wells Fargo settled the same matter with my friend, who was similarly induced to open a " XXXX XXXX  '' by crediting her the {$2500.00} bonus and {$1200.00} for the inconvenience. As a show of good faith, I did not move my money from the XXXX XXXX  for nearly 1 year, and I lost interest and opportunity during that time. Since XXXX, I have been assigned to various internal Wells Fargo agents and sent gobbledygook letters concerning the matter, all in an attempt to bury me in bureaucracy.

I respectfully submit that, if the CFPB is to be an effective consumer watchdog, there must be an avenue for consumer recourse ( without the prohibitive cost of a lawsuit ) when a banking institution like Wells Fargo, notorious for its consumer scandals, closes a CFPB complaint without a satisfactory resolution.

All the related documents were uploaded to the CFPB when I submitted complaint # XXXX.
Consumer complaint received 2024-08-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (MI)

am writing to formally file a complaint against UNIFIN for their violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically USC 1692c. This complaint concerns their handling of an alleged debt with the reference number XXXX. 

Details of the Violation : Collection Agency : UNIFIN Reference Number : XXXX Debt Amount : {$1300.00} Description of the Violation : UNIFIN has engaged in actions that violate USC 1692c, which governs communication in connection with debt collection. Specifically, they have : Contacted me at times and places I have clearly indicated as inconvenient. 

Persisted in communicating with me after receiving a written request to cease further communication. 

Disclosed information about my debt to unauthorized third parties, which is a breach of confidentiality and privacy. 

These practices are unlawful, distressing, and violate the rights afforded to me under the FDCPA.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (GA)

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (AL)

A customer claimed an order, And paid using the XXXX XXXX system. The customer canceled they XXXX payment. The institution that processed the XXXX said that it was not their problem to call the bank,. They are the collection and issuing entity. After pressing for a resolution they have stopped responding.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

I have gone through numerous fraud issues with Chase this year, recently someone used my account at a non-Chase atm and did 3 transactions totaling XXXX XXXX I filed a claim and it has recently been reversed without Chase attempting to contact me for more info and update me on what's going on.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I was charged {$86.00} dollars from fraudulent transactions on XX/XX/year>. I was off work that day. I was at home. It was the day of the network outage around the world ( XXXX ). Systems were down, so a lot of things could have happened with those transactions. The transactions that I reported were made in the cafeteria where I work. That is why, there is no way I made those transactions. I was not the only person affected ; several of my coworkers had the same issue. The only proof I have is my working schedule that I always keep for work purposes. Chase didn't believe my story and they said that my card was physically used along with the pin number.
Consumer complaint received 2024-08-13
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT. THE CREDIT REPORT SHOWED CREDIT INQUIRIES BY DIFFERENT COMPANY THAT I DID NOT AUTHORIZED. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IL)

My account was locked Tuesday XX/XX/year> while trying to buy my XXXX KIDS SOMETHING TO EAT! All my funds are on my Citi card. I havent been able to go to work since last Tuesday. Im basically FIRED! The van I use was recently towed on Thursday XX/XX/XXXX as well. Now the price is up to almost {$2000.00} to get it out! Because youll locked my account for NO APPARENT REASON & I cant access my funds. My kids havent ATE I HAVENT ATE! I want to file a lawsuit because of this! Why do I have. To keep waiting days for a verifications letter when I can walk in the branch myself with my ID SSN BIRTH CERTIFICATE WHATEVER THEY NEEED TO VERIFY! I attach my police report when I got pulled over and they impounded car which I wouldve gotten out the next day if my account wasnt locked as well as XXXX reeling me Im negative XXXX  because I havent been to work in a week Im negative 40 hours!!
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (MI)

Subject : Complaint Against XXXX XXXX  for Violations Related to a Fraudulent Checking Account Dear Sir/Madam, I am writing to lodge a formal complaint against XXXX XXXX regarding their attempts to collect a debt associated with a fraudulent checking account at XXXXXXXX XXXX . I believe their actions constitute a violation of permissible purpose under the Fair Debt Collection Practices Act ( FDCPA ). 

On [ XX/XX/2024 ], I was contacted by XXXX XXXX concerning a debt they allege I owe on a checking account that I did not open or authorize. This account is fraudulent, and I have taken steps to report the fraud to XXXX XXXX  and the appropriate authorities. 

My specific concerns are as follows : 1. **Fraudulent Account** : The checking account in question was opened without my consent, and I have no association with this account. XXXX XXXX has no legitimate claim to collect any debt arising from it. 

2. **Lack of Proper Notification** : I did not receive any prior written notice from XXXX XXXX regarding this alleged debt or its origin. 

3. **Unauthorized Access** : XXXX XXXX appears to be attempting to collect on a debt related to a fraudulent account, which raises serious questions regarding their permissible purpose to access my personal information. 

4. **Failure to Provide Verification** : Upon my request for verification of this alleged debt, XXXX XXXX has not provided adequate documentation proving their right to collect on this matter.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2024-08-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CO)

On XX/XX/XXXX, I purchased a {$500.00} XXXX XXXX XXXX  at a XXXX store. Upon attempting to use the card at various online and physical retailers, including XXXX, XXXX, and XXXX XXXX, I found the card to be unusable. 

On XX/XX/XXXX, I contacted the customer service number provided on the back of the card. The representative acknowledged the issue and assured me that a replacement VGC would be sent to my address within 3-5 business days. I confirmed my mailing address multiple times during this call to prevent any errors. 

Despite this assurance, I did not receive the replacement card. On XX/XX/XXXX, I contacted customer service again. To my astonishment, I was informed that the replacement card had been sent to a different address and marked as undeliverable. This is unacceptable, as I explicitly confirmed my address during the initial call on XX/XX/XXXX and there is no reason for a different address to be on file. 

The customer service representative then requested that I provide verification of my address again, which I believe is a deliberate attempt to further delay the resolution of this issue. Why was this information not requested during the first interaction on XX/XX/XXXX when I was proactively seeking a resolution? 

I have complied with their request and emailed the address verification to the email address provided. However, due to the significant inconvenience caused by the unusable {$500.00} gift card and the unacceptable delays and misinformation I have experienced, I demand expedited handling of my case. I expect a replacement XXXX  to be sent to my verified address via expedited shipping within 24 hours of this complaint being filed.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

XX/XX/XXXX sent letters to Experian, XXXX XXXX XXXX disputing 6 Accounts they state were in collection but had actually been charged off. 
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 As of XX/XX/XXXX they are still showing past due payment past the charge off dates. 

XX/XX/XXXX I am sending another letter to all 3 bureau 's asking them to delete the discrepancies as this is falsely manipulating the statute of limitations which is a FCRA Violation.
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: Spring Oaks Capital, LLC (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 : A Springoakcap 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 2024-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (MD)

I called Fay Servicing LLC, earlier in the year to tell them the escrow check needs to be in my name, because my XXXX  is deceased. My name is on the deed and the mortgage company has all my information in their file. When I call to follow up I keep getting, the check will be mailed to my address with my name on it within XXXX to XXXX  days. I never received it. XXXX to XXXX times this year I was told this after each call. Patiently waiting and patiently trying to resolve this issue with supervisors and the escrow team. The last call I was told the check has been cashed, so my response was the same check we have been working on this whole year, the answer yes. So this was it I have been lied too. I told them to please send all the information we have been discussing and trying to resolve with this one escrow check ( 2023 ). I never received it.

Another issue was with the home insurance that Fay Servicing is linked too. I filed a claim for my roof with XXXX XXXX XXXX claim # XXXX XXXX. I was told an adjuster will be at the house within XXXX hours, the adjuster will call when they get close to set the time for arrival. I called XXXX weeks later for a follow up and was told my name needs verification from Fay Servicing , LLC. So I called back about XXXX weeks later, and was told no claim was filed. So both companies tied together have bad business practices when it comes to resolving issues, it is a scam.