davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mandarich Law Group, LLP (OR)

I provided a written request from Mandarich Law Group on XX/XX/XXXX asking for a debt verification. I never received the information/proof of debt. They then sent the account to a lawyer and filed a case against me when they should have stopped all collection attempts. I called them on XX/XX/XXXX to notify them of this and they said they would call me back within XXXX business days which they still have not. I have sent XXXX subsequent follow up emails to them and still have received no information/contact from them.
Consumer complaint received 2024-07-12
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (DE)

I have been a customer of Macy 's for over 50 years. Recently, XX/XX/year>, they issued a notice that informed me that my interest rate on purchases will be increased from what was a ridiculously high rate to one that is, I believe, illegal. The rate was based on the Prime rate of 8.5 % plus a add on rate of 24.99 % or a total of 34.99 %. They told me to either accept it or give up my card. I think this is a predatory tactic and as a XXXX senior living in XXXX, I think they should cease and desist this illegal activity. I recently file a similar complaint against Exxon with the exact interest rate boost. Both use Citibank as the intermediary.
Consumer complaint received 2024-07-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CT)

Crypto.com should not be a legitimate business since they allow victims to suffer at the hands of scammers. I filed a police report when I was scammed on XXXX, truly believing I was talking to my friend and thinking I would make money using bitcoin through the crypto.com app. The police attempted to trace the money and crypto.com was not any help at all. The police concluded that the crypto app was a platform scammers used for money laundering. I have wire transfers from XXXX XXXX totaling {$83000.00} and XXXX XXXX was no help at all either. I have been trying to get both the bank and crypto.com to help me track my money and get it back but they said its all my fault. I have made multiple requests for help from crypto.com but they refuse to do anything for victims.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

Hi Team, I took Chase Credit card loan for XXXX $ on XX/XX/XXXX and they given promotional offer as 0 % APR till XX/XX/XXXX and they charge balance transfer fee {$750.00} on XXXX the next payment statement cycle ( XX/XX/XXXX XXXX ) they mentioned on the statement it's promotional offer. I have autopay to clear dues which accidentally scheduled whole balance as {$15000.00} even though the payment went through for XXXX attempts. I corrected the issue by scheduling manual minimum payments on the next day to avoid minimum payment charges. But the Chase Credit Company considered it as payment and they converted whole loan amount to purchase and added 25.99 % interest which XXXX. To avoid more damage on the interest i cleared almost 70 % of loan by borrowing from outside lenders
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (NY)

This letter is my THIRD request to remove your inaccurate and unverifiable accounts from my credit report. This is a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested. I respectfully requested that your office provides me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : XXXX Account Name : XXXX XXXX XXXX -I mailed out a letter on XX/XX/year> requesting validation of this debt within 30 days upon receiving the notice, I have not received a response with competent evidence that I have any legal obligation to pay you. 

-I mailed out a 2nd letter on XX/XX/year> requesting validation of this debt within 7 days upon receiving the notice, I have not received a response with competent evidence that I have any legal obligation to pay you. 

The following account remains unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus Account number XXXX Account number previously reflecting on credit report : XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Contemporary Information Corp (AZ)

XXXX XXXX, Thank you for your inquiry about cases XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX on your report. The legislation that you have indicated states '' 611 - 15 U.S.C. 1681i states : " In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' In full compliance with this statute, CIC confirmed each case via the official XXXX XXXX XXXX XXXX portal in addition to speaking with clerk " XXXX '' who verified all XXXX records are accurate as reported. XXXX also confirmed that the records are available for public access in the XXXX XXXX online portal ( XXXX XXXX XXXX ). These cases ( attached ) are accurate, complete and reportable public records as of XX/XX/year>. 


I refute CIC 's latest response regarding their verification process. Initially, they provided screenshots sourced from https : //justicecourts.maricopa.gov as proof of verifying my court cases. When I disputed this, they then claimed verification through a portal. Now, they assert they verified through the county clerk, which contradicts their previous explanations and is untrue. 

I contacted the XXXX County Justice Court directly to clarify. They confirmed that there is no county clerk involved in providing access to court records. Instead, requests for case files and information must be directed to the specific justice court handling the case. The court explicitly stated that they do not facilitate background checks or provide access to litigant records without a case number. Additionally, the court website specifies that requests for certified documents require submission directly to the court holding the case, as the certification process involves a judge 's stamp. 

Given this information, CIC 's assertion of verifying through the county clerk is inaccurate and misleading. Their inconsistent responses raise serious concerns about the integrity of their verification process and compliance with the Fair Credit Reporting Act ( FCRA ). 

I demand that CIC immediately correct this misinformation and remove the inaccuracies from my record. Failure to do so may compel me to pursue legal action to remedy the damages caused by their negligent reporting practices.
Consumer complaint received 2024-08-20
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (CT)

My card was closed by TD financial without warning affecting my credit score, my minimum payment was increased by 105 % without warning, I was issued a late fee without warning and without cause. I make two monthly payments each above the minimum monthly payment. The company XXXX XXXX has a XXXX page, email XXXX and phone line XXXX XXXX XXXX XXXX, each has received no substantive response. 

I would like my account rectified, and the company penalized for a purposefully difficult system that discourages resolution. 
On XX/XX/year> I waited on hold until my phone died after 21 minutes, on XX/XX/XXXX I waited on hold for 75 minutes before hanging up. I am presently on hold for 15+ minutes as I write this complaint. I have messaged their XXXX page and customer service email - awaiting an answer. 

The process is purposefully obstructive to reach someone to resolve such issues, however there are a myriad of ways to make payments and open new cards without wait times or administrative issues.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (CA)

The exact messages Ive sent to Venmo On XX/XX/year> I placed a purchase with XXXX. We all agree to that. XXXX told me I would have the package by XX/XX/XXXX. Package was a graduation gift for my niece. XX/XX/XXXX came did the tracking package say that it is not moving? I do not have the package. I contacted XXXX and they say oh well waiting until XX/XX/XXXX I said thats unreasonable seeing how this purchase was a graduation gift I would like a refund. Responded by saying we dont want to. I filed a dispute with you guys on XX/XX/XXXX. According to you guys on XX/XX/XXXX give you guys XXXX business days dispute will be solved XXXX business days later I was told they yall needed a couple couple more days couple more days past I was told waiting until XXXX XXXX so I waited until XX/XX/XXXX and then I contacted you guys again asking for the refund for the merchandise said I did not get. I then told you guys on XX/XX/XXXX not only is the dispute still open not only do I not have my refund do not have the merchandise that I paid in XXXX? This is why is this give me my money back. Was told by somebody that works for the same company you work for that company who did fraud by not sending me the merchandise that I paid for you guys are giving them XXXX additional days. I am highly XXXX off. I am confused as to how big is yours really {$33.00}. I am also confused as I have you so much {$33.00}. According to you guys, XXXX is not answering me. Theyre not answering you and you guys have not seen that fraud yall keep telling me were gon na protect the company. You can just absolutely not. My {$33.00} back into the account. I still dont have the graduation gift. The girl graduated a month ago
Consumer complaint received 2024-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

A buyer filed a fraudulent dispute 3 months after I sold him a XXXX XXXX and Cashapp refunded the buyer his {$950.00} back and took it out of my account without even communicating with me or doing any kind of investigation what so ever.. I contacted cash app customer service immediately when I noticed the refund dispute and cash that told me pretty much to ask the buyer to give me my money back which obviously didn't work and then Cash out told me there's nothing they can do about it. If cash app would have even took the time to see that the dispute is from a transaction from 3 months ago they would have known that it was fraudulent and they wouldn't have refunded my money back. So because of the laziness of cash apps customer service I am out {$950.00} of my rent money and my groceries.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I made a XXXX transfer on XX/XX/year> to someone and the funds were removed from my account but not transferred to the recipients account. When I contacted my bank they said that the recipients bank was the problem and when the recipient contacted her bank, they said that the funds were never sent from my bank. 
My bank said to wait for 2 weeks and that my case was in escalations but the money was never returned to my account nor was it transferred to the recipients account. They are still holding my money with no explanation.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Friday XX/XX/XXXX deposited a clients personal check for contracted services into my business checking account at Bank of America. Bank teller and deposit receipt said " Credit pending ( available to cover items posting on XX/XX/XXXX. Available next business day for withdrawal and Debit Card purchases ''. Screenshot of such on my account page available. 
The next day my account balance showed the funds available. Screenshot also available. 
I went ahead and ordered materials for the job. XXXX days later on XX/XX/XXXX, the funds are no longer available per the account website. XXXX  says maybe on the XXXX. 
I spent all day at the branch and on XXXX phone calls being told that the funds did transfer from the clients bank to BoA, but they are holding them for further verification. 
The client says her bank released the funds. BoA admits they have the funds. They just want to sit on the 'float ' for another week??? 
My suppliers were declined. My scheduling is now a mess. My promises to the client are jeopardized. The contract may be cancelled. 
How can BoA get the fund and sit on them?
Consumer complaint received 2023-02-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-07-08
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. (CA)

THE COLLECTIONS ARE BEING REPORTED IN MY CREDIT HISTORY WHERE IN MY OPINION THERE IS NO REASON FOR THIS DUE TO THE FACT THAT I HAVE NOT BEEN THE RECIPIENT OF ANY PRIOR NOTICE FROM THIS COMPANY OR FROM ANY OF MY CREDITORS WITH WHOM I HAVE A RELATIONSHIP, BEING ABLE TO MENTION THE FACT THAT I HAVE HAD NO RELATIONSHIP WITH THIS COMPANY.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I lodged a complaint with these Bureaus a  month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

A credit card was opened in my name on XX/XX/year> at USAA somewhere in XXXX  in live in XXXX. I was notified by XXXX that a credit card account was opened in my name at USAA and then I received a credit card in the mail from USAA. I called USAA and reported the fraud and they froze the account. I also notified the XXXX credit bureaus notifying them about the fraud.
Consumer complaint received 2024-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (OH)

LoanCare intentionally has a process to delay release of escrow funds for insurance claim disbursements. My roofing project has been completed for 4 weeks as of XX/XX/XXXX. I have paid the roofers in full. LoanCare has this documentation which evidences the project is complete and the roofer is paid in full. In order to release my funds from escrow LoanCare indicated that it needs to complete an inspection of the work. They will not accept sign off from the insurance company. After 4 attempts the past month to get an inspection completed by LoanCare, an inspector called me and said it's not really an inspection and nor does he get on tbe roof. He put me in touch with the owner of the inspection company who told me she apologizes for the delays and went on to share that LoanCare delays this process frequently and the inspections are baseless. 

LoanCare actually never completed the inspection. At this time they called on XX/XX/XXXX with a voicemail that my escrow funds of {$6900.00} will be sent via XXXX. This has still not occurred. 

Other payments were significantly delayed even through LoanCare deposited tbe funds in XXXX when it received the insurance funds of {$46000.00}. 

LoanCare intentionally makes this process move slowly and impossible to navigate so that it can benefit from unjust enrichment on income spread. 

In addition to escrow funds due to me, I want to be compensated for lost income on my own funds by paying the roofer out of pocket and now fighting to get my money. LoanCare has all documents evidencing completion of the project. Even tbe insurance company 3 weeks ago released its depreciation holdback.
Consumer complaint received 2024-07-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

Commencing on or about XXXX XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase Bank account to a fraudulent investment firm ( XXXX ).
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (VA)

I looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : AVANT/WEBB - Account number : XXXX. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Consumer complaint received 2024-07-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (MO)

Was evicted from XXXXXXXX XXXX XXXX XXXXXXXX ) this is the correct collection amount owed ( {$5400.00} ) to the debt collector PRO COLLECT but as an act of identity fraud a second account for the same amount was reported by PRO COLLECT to my credit report. The account opened XX/XX/XXXX in the amount of XXXX is the only account that should be open. The fraudulently opened account on XX/XX/XXXX for the same amount ( {$5400.00} ) was an act of identity fraud/theft taken by PRO COLLECT
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (LA)

This company has continuously, giving me the runaround and telling me that I can not use my destiny MasterCard, because of high risk and security purposes. There is no lock on my card There is no temporary hold on my card theyre saying that its fraud and high risk for fraud but its not high risk for fraud, because I have elected to verify my identity verify who I am and verify that it is me that is using the MasterCard. They are continuously not wanting to resolve the problem to fix my MasterCard. They are continuously not taking my problems. Seriously they refuse to talk to MasterCard in order to fix the problem the card works and then it doesnt work. This is not in the contractual agreement that I signed. This is also not a part of any agreement that I have signed. If my credit is available, then I should be able to use without any discretion. If my car can not be turned on, I would like for the account to be closed and all the money that was spent paid back by the company for damages of pain and suffering, and and a breach of contract. It is nowhere stated in my contract that My transactions will be declined by a computer system and there is nothing that can be done. This is a breach of contract contractual agreement between consumer and credit card company.