davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CO)

In XXXX of 2024 Home Depot credit fraud protection notified us that someone was charging on our Home Depot Credit card it XXXX Ill. We live in XXXX XXXXXXXX Colorado . Home Depot closed that card and Issued us a new card. After XXXX day I did not receive the card call Home Depot and was notified that the card was sent to my new address in XXXX Ill. Again I reported the card as lost or stolen and had the address corrected to XXXX XXXX XXXX XX/XX/XXXX I noticed a payment for XXXX from my checking account for ACH online payment Home Depot . I again called Home Depot credit and again was on the phone for over XXXX hours locking down my account. Getting the address corrected again, closing the online account so now one could make a payment online and putting a pasword PIN on the account so the address could not be changed. I was assured that these action would stop the issue as the online account was closed, so no one could make a payment without calling in and a Pin # would need to be give to access the account. On XX/XX/XXXX a unauthorized ONLINE ACH PAYMENT FOR XXXX was posted to my checking account I again called Home Depot Credit and was again assured that the online account was closed and AGAIN HAD TO HAVE THE ADDRESS CORRECTED because they had sent a new card to Illinois address. This time the criminal requested a credit increase on MY ACCOUNT and Home Depot gave it to them! 
On XX/XX/year> I AGAIN noticed a UNAUTHORIZED ACH ONLINE PAYMENT FROM MY CHECKING ACCOUNT TO Home Depot this time for the amount of XXXX I again called Home Depot and was again assured that it could never happen again. However while I was on the phone the the customer rep someone had just posted another payment on my account that had not yet been presented to the bank for over XXXX. When I balanced the account I found another payment for XXXX on XX/XX/XXXX of 2024 that I have reversed as well. At this time I feel that Home Depot has been fraudulent with my personal information and has been complicit in an attempted felony on me for over XXXX not including the XXXX charge that was noticed while I was on the phone with the Customer Rep. I have sense put in place a stop payment of all ACH payment to Home Depot I will walk into the store and make payment by check since Home Depot has been habitually negligent with my banking information!!!
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

My account with JPMCB CARD was never late! I have had exceptional payment history with JPMCB CARD 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 XX/XX/XXXX to XX/XX/XXXX 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.

JPMCB CARD 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
Consumer complaint received 2023-08-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My wife and I opened a Fifth Third XXXX XXXX account on XXXX for {$200000.00}. We were told the process would take 3 - 4 business days. By XXXX XXXX we still had no access to our funds and 2 letters arrived from Fifth Third informed us that our account was on temporary hold. Reason for hold on deposit : Confidential information that check XXXX not be paid. Date funds available for withdrawal : XX/XX/XXXX. 
XXXX XX/XX/XXXX we visited the XXXX XXXX branch. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX said she would see about getting the temporary hold pulled by Monday ( XXXX XX/XX/XXXX ). We did candidly express our concerns over The Consumer Financial Protection Bureau filing a lawsuit in federal district court in the XXXX XXXX XXXX XXXX against Fifth Third Bank , National Association ( Fifth Third ) ( RE : XX/XX/XXXX ). 
Also we learned that the U.S. Attorney 's Office, Southern District of Ohio announced XX/XX/XXXX : XXXX charged in conspiracy to steal account information, money from bank customers. 
Also we learned that the U.S. Attorney 's Office, Southern District of Ohio announced XX/XX/XXXX Defendants sentenced for roles in conspiracy to steal account information, money from bank customers. 
With this unusual temporary hold that was never disclosed upon opening the account on XXXX XX/XX/XXXX we felt that the CFPB should be advised. 
Fifth Thirds XXXX XXXX did assure us that we would still be accruing interest from the account opening date XXXX XX/XX/XXXX. However, in the meantime Fifth Third, XXXX, Ohio has put a hold on {$200000.00} of our funds until XXXX XX/XX/XXXX ( 11 days ).
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

Amshercollection services XX/XX/year>, I looked up website and they are for houses which I've never applied because my credit is not great And anotheXXXX XXXX XXXX I contacted them they have no record with my name, and they couldn't help me
Consumer complaint received 2024-06-03
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (VA)

I replaced my HVAC in my home in XXXX of XXXX. I took out a Wells Fargo ( WF ) XXXX XXXX line of credit to pay for this. it had a special promotion of 0 % interest for 18 months. The installer showed me a figure of the total cost and monthly payments. The payments seemed a little low to me so after a month or so, I called WF to clear up the conflicting information. A representative of WF in that call told me that the minimum payment listed on the statement was adequate to fulfill the terms of the promotion. I don't think it was malicious or underhanded, I think it was a genuine mistake. But that mistake has cost me over {$4000.00} in interest charges in the last XXXX months. As an XXXX XXXX XXXX, I'm not exceptionally well off. This is a lot of money for me. 

I don't take issue with the interest they're charging me, per se. My issue is I was told ( incorrectly ) by a representative of their company that I only had to pay a certain amount per month to fulfill the terms of the promotion. I called WF and requested a refund or partial refund but they seem uncaring and unmoving, albeit kind. I'm willing to pay the interest that has accrued since the promotion has ended, but I feel duped by a WF employee into paying for the entirety of interest on the loan. I feel that my trust in WF 's institution was taken advantage of. 

I don't know what good this can do, but I hope something can come out of it. Please feel free to reach out to me for any information required. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2023-09-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC (TX)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or immediately : Ive also included my police report that reflects the concern. 

COLLECTION MANAGEMENT CO ( XXXX ) Ive disputed this error, but they continue to report on my credit file. Ive filed a police report for the misuse of my identity and provided a copy for reference.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

My account with JPMCB CARD was never late! I have had exceptional payment history with JPMCB CARD 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 XX/XX/XXXX to XX/XX/XXXX 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.

JPMCB CARD 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
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month. This is an update in payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to properly and accurately report this account and your neglect has violated my rights. I am demanding a deletion of the following account. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (DC)

CB/VICSCRT is a collection agency that is trying to collect a debt in the amount of {$510.00} and is not the original account holder and I have been receiving collection calls before and after business hours. Ive also been told by several representatives that this debt will be placed on my consumer reports for XXXX, XXXX and XXXX. Please remove this collection item from all three reporting credit bureaus XXXX, XXXX and XXXX as this is in violation and misuse of my credit report.
Consumer complaint received 2024-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A. (FL)

Over the last few months I have been attempting to contact the bank and get information and copies of letters that were sent to us. The initial group of letters stated that we needed flood insurance and the last letter I received from them stated we did not need flood insurance upon further review. Apparently two letters, one stating I did, one stating I didn't, were sent on XX/XX/XXXX. The one that said we did reached us before the one that said I didn't. Seeing as the last letter I received from the company said I did not need flood insurance, any other mail from them regarding that matter was disregarded. In the interim, they bought us flood insurance and sent me a bill a few weeks later. After being told I did not need flood insurance, I was actually surprised by this charge. I ran out and bought flood insurance in hopes of complying with this new request. There was apparently a gap in coverage that they are now charging me a few hundred dollars to cover. I feel this is absolutely ludicrous as I was told I did not need it in the last letter I received from them. I have both the letters, one saying I did and the other thing I didn't, that I can upload onto the site that show they were sent on XX/XX/XXXX. A conversation with the local post office this morning clarified that the US Postal Service can't guarantee mail sent on the same day will both arrive on the same date. Like I tried to explain to the company yesterday, the last letter I received from them stated that I did not need flood insurance. So, anything I did receive after that, like any reasonable person, would have been disregarded. The charge I am being held to is absolutely unfair and it was due to the bank 's mistake, not mine. 
I have been ignored in numerous emails, phone messages left and other attempts to contact the company. I have had some Representatives tell me I was wrong and couldn't actually have received the letter saying that we did not need flood insurance. It took three calls to finally have somebody find that letter and tell me I was correct and that it was very conceivable it was the the last letter that I saw. I was also told that I must have misread it. XXXX is my primary language. The treatment I've received from this bank has been absolutely insane.
Consumer complaint received 2024-06-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (AZ)

While I was in Texas again the vehicle listed on my credit during that time frame was opened in 2019. I got it for my birthday from a XXXX dealership and was feeling my hard work pay off. XXXX to reflect on the situation of XXXX once again those people played so many mind games and long story short I reused to pay the note due to all the " defects '' " malfunctions '' " issues '' with a brand new XXXX XXXXXXXX XXXX? Really? So they repossessed it and ruined my credit.
Consumer complaint received 2023-11-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (NJ)

I received a notice from my credit monitoring service that there was negative action on my report ( s ). A company known as Sunrise Credit Service with an address of : Creditor Contact : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NY XXXX | ( XXXX ) XXXX ( on report ). In the amount of {$350.00} XXXX XXXXXXXX. # XXXX Opened XXXX Reported XXXX I have no known relationship with this company and who gave them permission to place something on this report? IT WAS NOT ME. Under 15 U.S. Code 1692g - Validation of debts, this alleged creditor must furnish proof that I have a contract with them. The name : XXXX XXXX XXXX is a registered trademark with the United States Patent and Trademark Office bearing U.S. TRADEMARK REGISTRATION XXXX ( see attached certificate of Trademark )
Consumer complaint received 2024-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

I'm experiencing a serious issue with Mohela XXXX XXXX XXXX. Since the XXXX loan repayment began in XX/XX/year>, I have been consistently making on-time payments ( as seen in bank statements ). 

My MOHELA account fully transitioned to the new platform on XX/XX/XXXX. The only payments on my account history are the XXXX from me in the last XXXX months. None of my previous payments have been posted to my account, even though my bank statements clearly show that I paid. All payments before XX/XX/year> have not been posted either, claiming my principal balance is {$8000.00} when it should be well below that. 

I have reached out to Mohela 's customer service multiple times but have not received a satisfactory resolution. They claim 30 days, then 60 days, then nothing. The lack of transparency and communication is incredibly frustrating. This is not just an isolated incident ; many other borrowers are experiencing the same problem. We are all worried about the potential negative impact on our loans and finances. Some borrowers have made $ XXXX payments and haven't seen their payments posted since XX/XX/year>. 

In addition, their payment schedule posting is never on time. Their emails are often weeks delayed claiming missed payments when I pay XXXX weeks ahead of time.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like to explain my story. I am a victim of identity theft. At this very moment I am not aware of whos responsible for the fraudulent accounts on my report. Ive never seen the score XXXX in my life. What was done to me is running my reputation and I am in need of an investigation. I have proof of everything being fraudulent. Below attached is a report, Transunion dispute letter and two forms of identification. The addresses that are listed on report isnt my address at all. Please update my information and send me an updated copy.
Consumer complaint received 2024-06-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I am writing to formally dispute a debt notice I received from MBA Law concerning a supposed debt with XXXX XXXX in the amount of {$420.00}. This letter was received without any prior knowledge or explanation of the services supposedly provided. I want to clarify that I did not receive any services from XXXX XXXX in 2022 or at any other time, and therefore, I do not owe any debt to them. 

Before receiving this letter, I was bombarded with numerous messages from MBA Law, which were repeated incessantly and caused me significant stress and anxiety. These messages were reported as potential scams multiple times, yet MBA Law continued to send them. This abusive practice not only violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) but also constitutes harassment and undue stress. 

I ask for CFPB to notify MBA Law ordering they immediately cease all communications regarding this alleged debt. Furthermore, I request that MBA Law provide clear and documented evidence of this debt, including details of the supposed service provided and proof of my authorization for such services. I am prepared to take legal action if necessary to protect my rights and stop these abusive practices. 

I believe that this complaint I am filing with the Consumer Financial Protection Bureau ( CFPB ) regarding MBA Law 's actions is necessary to ensure that such abusive practices are stopped and that appropriate actions are taken against this company. 

Please acknowledge receipt of this dispute and request to MBA Law to confirm in writing that all collection activities regarding this alleged debt will cease immediately. 

Sincerely, XXXX
Consumer complaint received 2024-06-13
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO. (LA)

We had a usda loan dating originally in XXXX only in my husbands name. Louisiana is a community property state. He died in XXXX I continued making the payments until XXXX. I got behind and requested a loan transfer to my name. Denied bc of XXXX XXXX  debt WITH CHASE. I was given 90 days to pay or get out. I lost my home. The company should have to pay me what I paid for the mortgage covering XXXX years bc they knew they would never allow me to refinance
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am filing this complaint against Bank of America about dispute/fraud claim number XXXX for a debit card purchase for {$2500.00} on business checking account XXXX The initial dispute for this claim was originally filed on XX/XX/XXXX, and closed on XX/XX/XXXX, not in my favor. 
Bank of Americas investigation team allowed me to believe the case was still open for weeks and subsequently learned that the investigation had been closed XXXX days later, even more troubling was I didnt even receive written correspondence, an email, or anything on the matter. 
The second dispute was initiated on XX/XX/XXXX, and closed on XX/XX/XXXX, also not in my favor. 
It was thoroughly documented that I was emphatic that this was not a charge I initiated or authorized and furthermore that I had absolutely, never ever done a transaction of this nature on my account. 
The only explanation that the Bank of America investigation team consistently gave was that I waited too long to report the claim ; however, ignoring their own policy and procedure ; which gives you a year to file a claim. 
Bank of America never takes these matters seriously unless they get legal or media attention, which is disturbing. There are countless consumers left with no resolution to serious issues because the leadership at Bank of America lacks care of any kind for customer service. 
A representative named XXXX called after my OCC complaint and said the bank takes these matters very seriously. Yet, he has not returned XXXX phone call or responded to any emails either!