davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (MA)

Dear CFPB, I am writing to formally file a complaint against Sunrise Credit Services, located at XXXX XXXX XXXX, XXXX, NY XXXX. Their actions have resulted in numerous violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Massachusetts state consumer protection laws, which have significantly impacted my creditworthiness and caused undue distress.

Complaint Details : 1. Failure to Provide Debt Validation : Sunrise Credit Services has failed to provide proper validation for the alleged debt associated with account number XXXX, despite my formal requests for validation in accordance with the FDCPA ( 15 U.S.C. 1692g ). They have not provided : A complete payment history.

The original purchase agreement, including all terms and conditions.

Documentation of the date of last activity.

Proof of their authority to collect this debt within Massachusetts, including a valid and non-expired license.

2. Continued Collection Efforts Without Validation : Under 15 U.S.C. 1692g ( b ), Sunrise Credit Services is required to cease collection activities until the debt has been validated. Despite this, they have continued collection activities, including reporting to credit bureaus, without providing the requested validation.

3. Duplicate Tradeline Reporting : Sunrise Credit Services has reported duplicate tradelines for the same debt to the credit bureaus, which is misleading and adversely affects my creditworthiness.

4. Violations of Massachusetts Consumer Protection Laws : Their actions constitute unfair and deceptive practices under Massachusetts General Laws Chapter 93A.

Impact on My Creditworthiness : These actions have deliberately and negatively impacted my credit profile, affecting my financial standing and opportunities, and have caused undue stress and XX/XX/XXXX. 

Request for CFPB Assistance : I request that the CFPB investigate these violations by Sunrise Credit Services and require them to : Cease all collection activities and reporting on the disputed account until proper validation is provided.

Correct all inaccuracies reported to the credit bureaus, including duplicate tradeline entries.

Comply with all applicable laws and regulations regarding debt collection and reporting.

Please note that I have already emailed Sunrise Credit Services about these issues, and they will be receiving a formal letter via mail in a few days.

Thank you for your attention to this matter. I trust that the CFPB will ensure that Sunrise Credit Services is held accountable for their actions.

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist sent a letter to let me know that I have lost my promotional offer rate on my business credit card account ending in XXXX. 

The Truth in Lending Act, primarily codified at 15 U.S. Code 1601 and following, aims to promote informed use of consumer credit by requiring disclosures about its terms and cost.

Under TILA, lenders must clearly disclose the terms and costs of credit. This includes the APR, finance charges, amount financed, and total payments.

15 U.S. Code 1637 outlines the disclosure requirements for open-end consumer credit plans ( like credit cards ).

TILA also addresses changes in terms for credit accounts.

15 U.S. Code 1637 ( i ) requires creditors to provide a 45-day advance notice before increasing the APR or making other significant changes to the terms of a credit card account. This allows consumers time to opt-out of the changes if they choose.

Additional Protections The Credit CARD Act of 2009, which amended TILA, provides further protections : Credit card issuers must generally provide 45 days notice before increasing the interest rate on an existing balance.

Promotional rates must last for at least six months.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERIS BANCORP (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2022-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2024-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

I am in a program in school called XXXX and we raise livestock and take them to fairs and then eventually auction them off. On Wednesday XX/XX/year> I received my check from the XXXX XXXX XXXX which is where i auctioned my livestock animal off at. I have never had a bank account so that same day i decided to open an account with Chase in order to cash this check. So i did that and i had a hold on my money for about 2 weeks and i thought nothing of it. Well the next day i got a message from chase telling me that my account was restricted due to suspicious activity and that i had to take action immediately or else my account would be closed. So thats exactly what i did, that same day i went to my local Chase bank and i talked to a bank-teller and they pit me on the phone, the person on the phone said that i needed to provide a number that they could verify this check with. I provided several numbers and with each number i gave them they said they could not verify with it because the phone number was not in their system. I tried for weeks before they eventually closed my account on XX/XX/year>. As of XX/XX/year> I still have not gotten a cashiers check or anything related to my money so I decided to call Chase and they said that they are still going to hold my money until i am able to verify it. I tried to give them one more phone number as a last resort and they hung up on me. The phone number i gave them was the owner of the bank account which the check was written from and they still said that they can not verify it. I am fed up and i want my money that i worked so hard for.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MA)

My Fair Credit Reporting act consumer rights have been violated. The account listed below have CB/VICSCRT : Account number XXXX, Youve reported different dates under date of last activity. Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report. DELETE THIS ACCOUNT violated my federal given consumer rights to privacy amongst other things.

15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to XXXX XXXX reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


PLEASE SEE ATTACTHED EVIDENCE DOCUMENT
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (CA)

Dear CFPB, I am disputing inaccurate information on my credit report regarding accounts with Affirm Inc. ( XXXX and XXXX  ). Despite my efforts, errors persist, leading to a drop in my credit score, resulting in the rejection of my apartment application. This has caused significant hardship, leaving me and my daughter homeless.

As per 15 U.S.C. 1681a ( i ), I request your investigation and removal of this information.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (UT)

XXXX not only closed my account without any notification, despite having just a single {$200.00} dispute but also withdrew over {$20000.00} from my direct debit card on XX/XX/XXXX without prior notice ( see attached ). Currently, nearly {$20000.00} is being held, preventing us from paying our contractors and employees, which is severely disrupting our business operations. This is unacceptable, and I demand the immediate release of all funds. 

When I reached out to customer service, they couldn't even provide a breakdown of the funds being held. 

Given our ongoing relationships with customers, we could recover the money by asking the customers to dispute EVERY TRANSACTION and then we recollect from them, but XXXX would then face XXXX disputes from customers. To avoid this risk, I urge XXXX to respond promptly with a resolution.
Consumer complaint received 2024-06-22
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: GOLDMAN SACHS BANK USA (KS)

Goldman Sachs has refused to fix a problem. My apple credit card has been hacked by XXXX XXXX XXXX XXXX charge 12 times this month XX/XX/year>. I have spoken to several customer service people and 3 Managers at Goldman Sachs and they refuse to stop this attempt to charge my card. 12 times my account number has been changed my 3 digit number code changes several time a day. Still XXXX XXXX has tried to charge my account. I would say Goldman Sachs has been hacked and won't admit it.
Consumer complaint received 2024-06-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FC HoldCo LLC (TN)

I purchased a 2024 XXXX and it was financed by XXXX XXXX. I was a former bankrupt but I had to have a dependable vehicle so to me their terms were predatory knowing I couldnt go anywhere else the rate was XX/XX/XXXX and my payments are XXXX on a XXXX dollar car. I dont run that late on a payment but they will call XXXX to XXXX times in a 7 day period
Consumer complaint received 2024-06-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

I have a savings account that I deposit money into from a rental property I own. Unbeknownst to me an ACH transaction had been taking place every month from XX/XX/XXXX- XXXX XXXX totalling {$730.00}. I have never had any automatic transactions with this account. 

I traced the transaction back to XXXX XXXX XXXX XXXX - an HOA / property management company in California that I have never been associated with. 

I called USAA on XXXX XXXX and let them know these charges were not authorized by me. Initially some of them were refunded but {$630.00} is still outstanding. On XXXX XXXX I spoke with XXXX  who said it was still under review. Shortly afterwards I received correspondence that USAA is not responsible for errors after 60 days. 

The ACH transactions were all tied to an individual named XXXX XXXX, who is the homeowner listed on this transaction. The property management company has acknowledged the transactions in error and since corrected them- but my bank of XXXX refuses to refund me for money that was clearly tied to someone elses name and account. 

I spoke with XXXX XXXX, XXXX of the CEOs office who has the audacity to tell me that it was my fault for not checking the paperless statements that get buried in their substandard IT system simply labeled My Documents. 

This money was transferred using ACH transfers, unauthorized by me, but authorized between two banks USAA and XXXX XXXX XXXX because someone erroneously, or intentionally entered my banking information. USAA has made no attempt to recoup this money from the legitimate business- XXXX  XXXX XXXX who has acknowledged the error. 

I am requesting USAA refund the money remaining- {$630.00}. Issue a written apology for their terrible service - implying this was my fault. And confirm the correct name between accounts when approving an ACH transaction. Very simply checking the correct name against the account ( that has never had ACH transactions ) would have prevented this.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

On XX/XX/year> I counted and placed XXXX new XXXX dollar bills into atm. The machine went into error and kept my card and money. No staff wanted helped me. Finally someone behind the counter touched the machine then walk away. The machine gave me an error receipt with NO ACCOUNTING my card and {$400.00} of the {$1000.00} dollar which I waited in line and deposited. The branch would not contact any customer service for me so I remained in the bank XXXX more minutes trying to report that the machine never returned my {$1000.00} dollars. The branch manager said she would try to escalate a temporary credit due to the bank not owning the machine. On XX/XX/year> I received {$1000.00} temporary credit. On XX/XX/year> I had a balance of {$200.00} with a {$72.00} payment pending, the bank nsf my payment and overdrawn my account {$790.00} .which i immediately came and deposited {$1400.00}. I asked them to investigate and waited another XXXX weeks to receive a call from the branch manager on XX/XX/year> that the atm service claims the machine was not out of balance and believe all cash was returned.
Consumer complaint received 2024-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MEMBER FIRST MORTGAGE, LLC (MI)

In XXXX of XXXX I lost my job where I was making {$44.00} per hour. Due to XXXX XXXX XXXX  I had to leave that job. I was out of work until XX/XX/XXXX and began making {$22.00} per hour. I contacted my mortgage company ( Member First Mortgage ) MFM in XXXX of XXXX and advised them of my financial hardship, they sent me the hardship application packet where I completed it and submitted all of the required documents ... they denied me and said the mortgage is too new. I began pawning and selling personal belongings out of my home to try to keep up with my mortgage payment I even sold my XXXX XXXX XXXX. In In XX/XX/XXXX I applied for a forbearance hardship and once again completed a hardship package and provided all documents including approval document from the state of Michigan showing proof I was receiving food assistance. MFM once again denied me with no explanation. I have missed my XXXX XXXX payment as I am struggling to pay my full mortgage of {$1600.00} per month along with keeping my utilities going, my phone service, buy food, pay for XXXXXXXX expenses as well as personal items such as toothpaste, toilet tissue, dog food dish detergent etc. I am clearly qualified for a forbearance due to my income being cut in half since I took out the loan with MFM. They are not trying to work with me and have added to the stress that I already have. I am not sleeping and my health is suffering even more so because I am worried about losing my home that I have invested in and owned since XXXX. I am XXXX XXXX ( XXXX ) years old and should I lose my home I will be out on the streets another person added to our societies homeless count because I would not have any place else to go. I was simply asking MFM to either lower my payments or assist me in any way they can and they flat out denied me. My furnace went out at the end of this past winter and now my A/C is out. I cant even afford to get those replaced.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

I dealt with an identity fraud issue years ago in which Chase closed my bank account without any explanation. I've called in recently about the ban and offered to provide documentation/proof but Chase won't give me any reason besides stating that I'm 'permanently banned '.
Consumer complaint received 2024-06-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: CrossCountry Mortgage LLC (TX)

MY LOAN SERVICER IS TRYING TO MAKE ME PAY FOR A LEGAL FEE FOR LATE PAYMENT WHICH I'VE NEVER BEEN LATE. I'VE ASKED THEM REPEATEDLY TO REMOVE THE CHARGE AND THEY REFUSE TO. MY LOAN TRANSFERED TO MY CURRENT LOAN SERVICER XX/XX/year>. EVERYTHING WAS A MESS. THEY ACCUSED ME OF BEING LATE WITH PAYMENTS, FALLING BEHIND, AS WELL AS MY HOUSING AGENCY WHICH THEY NEVER WERE EITHER. PLEASE SEE ATTACHED DOCUMENTS. THANK YOU.
Consumer complaint received 2024-06-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I provided a XXXX notice of my intent to vacate the leased property, as required by my lease agreement. The leasing staff acknowledged this notice, and I have documentation to support this acknowledgment. According to my lease terms, this notice exempts me from any early termination fees. 

Additionally, the ledger for my account shows a credit for the last month of XXXX. This credit further confirms that my account should have no outstanding balance. Despite this, your company has reported a balance that is negatively impacting my credit report.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (CA)

I have been a customer with Discover Card since 2019 and I have never been more than 30 days late on my card. Today, I am on the verge of becoming severely delinquent. As of today, the required minimum payment is {$730.00} based on a balance of {$14000.00}. My most recent payments have been the minimum amounts however given the fact that {$340.00} in interest is accrued every month excluding a {$41.00} late, I am in a difficult situation which is exacerbated given that my only income source is from the Department of Veterans affairs which is currently {$1900.00}, I am a XXXX veteran and last year I had XXXX XXXX, so it has been a challenging time in my life. There is nothing more I would like to do than reduce the debt considerably however its inconceivable for me to make such a large payment. It has been a struggle to even meet the minimum payment and it has caused me substantial XXXX especially considering the disclosure on the Discover statement which states that it would take 59 years to pay the with credit card and achieve a {$0.00} balance but not before a total sum of {$130000.00} is paid. I have already paid thousands of dollars in interest alone with no end in sight. I find myself in an impossible situation and it is distressing beyond words.
Consumer complaint received 2019-11-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

A secondary collection agency, Fidelity Credit Services in XXXX, is claiming we still owe on a five year old debt that was settled for a reduced figure and charged off in a Chapter XXXX bankruptcy with the originating creditor of XXXX XXXX XXXX in XXXX, CA. Fidelity Credit Services refuses to send any communication by mail to us regarding the so called debt. This company has had many judgements AGAINST them in the past 10 years. They are a scam company, call at all hours and verbally abuse the people they call. They will not listen if you have a legal explanation or ask to cease & desist. They have made REPEATED false statements reflected on all of our credit reports! Because of that, I am looking into legal action. Unfortunately, these people have been sued so many times, I'm not sure how they are still in business!?! They completely violate ALL of the FTC laws and the fair debt collection act laws in California. Reprehensible people that look for outdated and settled debt to prey on. CAN THE CFPB PLEASE INVESTIGATE THIS COMPANY!
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (OH)

sent debt furnisher a validation letter for the inaccurate reporting. The company has not responded. 
They are communication with me through my consumer report after being notified that the account inaccurate until validated that there is a contract solidifying business with consumer along with a valid signature and more 15 usc 1692g section 809 ( b ) Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) outlines the validation of debts.

This section requires debt collectors to provide consumers with written verification of a debt upon request.

Consumers have the right to dispute the debt within 30 days of receiving the validation notice.

Debt collectors must cease collection activities until they provide verification of the debt.
Consumer complaint received 2024-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (OH)

I received a loan for a vehicle through Bridgecrest. I do not receive a paper monthly statement to see the interest rate and breakdown of interest and when I log online to look, there is no interest rate posted for my loan. When I call, they say the interest rate is not viewable through the online portal. While this is not a variable rate loan, I should be able to confirm the appropriate rate is being used to calculate my interest without having to call in since they don't send paper statements.