davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PRIMARY RESIDENTIAL MORTGAGE (GA)

Hello XXXX XXXX and PRMI team, ATTENTION : FINAL ATTEMPT TO CURE Attached is further evidence of the contract breach on behalf of PRMI for your review. 
Unendorsed original Note Altered Note later endorsed to a Party not named in the contract My original FHA XXXX was never endorsed to my original Lender Primary Residential Mortgage Inc as payee. I discovered that my FHA Note was later directly endorsed to XXXX XXXX XXXX XXXX XXXX Mortgage as " payee '' without there being a transfer or XXXX XXXX XXXX XXXX XXXX Mortgage ever being named a PARTY in the contract. I do understand the Lender can TRANSFER the Note but in this scenario the Note was directly endorsed to XXXX XXXX XXXX XXXX XXXX Mortgage as " XXXX '' and was NOT TRANSFERRED. Primary Residential Mortgage Inc did not Blank endorse the Note or transfer the Note to XXXX XXXX XXXX XXXX Mortgage therefore there is a Breach in Contract. 

The Breach has been proven on several occurrences with Evidence. I implore you to work with me for the continued prosperity of your company. I look forward to hearing from you by XX/XX/year> with my orders delivered regarding DEED OF DISSOLUTION OF SERCURITY DEED BY GRANTOR FOR LACK OF EXECUTION BY BENEFICIARY.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (WI)

Unfortunately, CHASE BANK continues to keep sending me credit card applications for my businesses in the mail. Even though I aware that banks are required by law to provide small businesses up to XXXX, i continue to fill the applications out hoping the banks ill do what is right. After asking for my EIN and social security number, I was denied access to my own credit. Using a 3rd party company to base your decision to deny my access to my credits is Illegal. Again my social security number was included. So no 3rd party should be used as an excuse to deny me of my own credits. I expected Chase Bank to fulfill their fiduciary duties especially since asking for my social security number 42 USC 408 states that procedure is illegal. I am the creditor. ADVERSE ACTION against a consumer is against the law. According to the EQUAL CREDIT OPPORTUNITY ACT which is codified in 15 USC 1691C AND IS PURSUANT TO CIVIL LIABILITY UNDER 15 USC 1692K 12 CFR 1002.4- A CREDITOR CAN'T BE DISCRIMINATE AND DENY ME CREDIT Credit Card 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. There is no limitation to the term any. Any means all. This is why a social security card is technically a credit card because it is always used to obtain property, money, labor, and credit. Each violation of Title 15 of the United States Code is {$1000.00}. I have the right to invoice these companies for their unlawful acts. 15 USC 1611- WILLFULLY AND KNOWINGLY GIVING FALSE OR INACCURATE INFORMATION IS A CRIME! I USED MY SOCIAL SECURITY NUMBER FOR THE APPLICATION AND BY LAW I CAN NOT BE DENIED CREDIT. YOU ARE SUBJECT TO CRIMINAL LIABILITY FOR VIOLATING 15 USC 1691 AS I HAVE PROOF THAT WAS DISCRIMINATED AGAINST BY THE COMPANY. DUE TO THE RESPONSE I WAS GIVEN. I AM THE CONSUMER THAT COMPLETED THE APPLICATION IN GOOD FAITH AND UNFORTUNATELY MY CREDIT WAS NOT ISSUED TO ME. I NEED A SOLUTION IMMEDIATELY! RESCIND MY APPLICATION OR RECONSIDER MY APPLICATION. I WANT MY CREDITS THAT BELONGS TO ME! I HAVE FULL FAITH AND CREDIT! NO MAN HAS THE POWER TO BREAK THE LAW AND DENY ME CREDIT!
Consumer complaint received 2024-01-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (CA)

On XX/XX/2024 at XXXX I spoke to XXXX XXXX at Rent Debt Collections. On my credit report is a collection report for over {$36000.00}. There is also an address in Georgia listed on my personal information. Per XXXX this is a rental home in Georgia. I have lived in California my entire life. I have lived in my home in XXXX XXXX, California for XXXX XXXX years. I do not know this address. I have never rented a home in Georgia. XXXX told me he would be sending me a packet of information which I would need to file. He told me I need to report this to my local police department which I will do today. I have already spoken to XXXX. XXXX at XXXX told me I would need to file a police report and make a report to ftc.gov. My credit has been locked for years. I am not sure how someone was able to rent a home in my name when my credit was locked.

This came about as I bought a new car this week end and when the dealer ran a credit report my credit score had dropped XXXX points!
Consumer complaint received 2024-01-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC (PA)

On XX/XX/XXXX  I noticed there was {$1300.00} in an unassigned account. I immediately text Village Capital asking them to apply the {$1300.00} into my escrow account. They totally ignored my request and applied it towards my XXXX payment. Emails are attached.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

On XX/XX/2023 Citi Bank decided to close my account because they were allowing fraud on my account. They investigated it and found it to be a fraud and returned my funds but they decided they did not want to do business with me and blocked my account and kept my {$300.00} they never notified me and are refusing to return my money to me now. On XX/XX/2023 Citi Bank 's official statement, told me that as of XX/XX/2023 there would not be any access to my account by withdrawal, or online banking, and no deposit direct deposits would be rejected and returned. On XX/XX/2023 account was already closed they accepted a XXXX deposit and did not reject it on a closed account and return it to the United States government so that the deposit could be deposited by the government into my new account Citi Bank stole that deposit and put it in an account I can't access 2 weeks after they closed my account and now will not return the money to me or will not return it to the Government. They have {$4000.00} I can't pay my rent, and utilities, buy food, or get my XXXX medicine. They say to go to your local branch my local branch for Citi Bank is 5 hours away and maybe I could withdraw it from a branch. I will lose my home my electricity my water and without my medication my life. They stole XXXX and put that money in a closed account knowing i would not get access to those funds I want and need my money today
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

I recently discovered that JPMCB-CARD SERVICE has reported inaccurate information to the credit reporting agencies. This erroneous reporting has not only damaged my credibility but has also caused significant financial and emotional distress. 

According to the regulations outlined in the 15 U.S. Code 1681s2, furnishing inaccurate information to consumer reporting agencies is strictly prohibited. JPMCB-CARD SERVICE has a legal responsibility to ensure that the information they provide is accurate. However, they have failed in this duty. 

JPMCB-CARD SERVICE has reported a debt as part of my credit history, which is inaccurate. As per the guidelines of the Internal Revenue Service ( IRS ), canceled debts should be reported as gross income on tax returns and not as debts on consumer reports. Therefore, the reporting of this account as a debt is incorrect and goes against the established regulations.

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Canceled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.

Furthermore, I have not received a Form 1099-C from JPMCB-CARD SERVICE , which is required if the canceled debt exceeds {$600.00}, as per the IRS guidelines. This form is crucial for accurately reporting taxable income. 

I am deeply disturbed by this incident and the impact it has had on my financial well-being. I am taking steps to rectify the situation and ensure that my credit report reflects accurate information.
Consumer complaint received 2024-01-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (NY)

Despite submitting my request on XX/XX/XXXX and JPMCB AUTO acknowledging receipt on XX/XX/XXXX, I have yet to receive any form of correspondence or information as of today, XX/XX/XXXX. 
The specific account details associated with this dispute are as follows : Account : JPMCB AUTO Account Number : XXXX Date Opened : XXXX/XXXX/XXXX I demand an immediate and aggressive investigation into JPMCB AUTO 's blatant refusal to provide the requested information. This failure to comply with my rights demands swift and decisive action on your part. I expect you to exert your authority and forceful measures to rectify this situation immediately.
Consumer complaint received 2024-01-08
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: AMERICAN EXPRESS COMPANY (MI)

I received an American Express gift card around XXXX and have since tried to use it online and in person at many different locations. No matter what I do, it is not accepted anywhere. I have tried to contact American Express, but I get stuck in a loop with a robot on the phone. The first place I spent it, XXXX, charged a different account of mine because the gift card suddenly declined. I cant get in contact with anyone, and from reports I've seen online, this is a common problem with the American Express gift cards.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (TX)

Discover has a closed credit card account on my credit report. The account was not created by me. The account was opened due to identity theft. I have asked Discover to remove the account from my credit report with all 3 credit buraeus due to identity theft however Discover has not removed the account. The balance is over $ XXXX.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I received a copy of my credit report and found the following item is what i am disputing. 
1. Your in violation of 15 U.S CODE 1605 ( a ) and 15 U.S CODE 1666B XXXXXXXX XXXX Account Number : XXXX Please remove inaccurate late payment for XX/XX/2023.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

XXXX have been targeting young XXXX people of XXXX XXXX and purposely with the intent to fraud consumers into a mortgage agreement for a timeshare knowing there is no deed attached to the agreement 3 UCC ( 1 ) ( iii ) unauthorized use of my consumer report 15 USC 1681a transactions and experiences are not included in the consumer report, XXXX has violated this law with the intent to further damage my consumer report and finances 15 USC 6801 it is their obligation to protect this information
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I opened an account with Wells Fargo to deposit a cashiers check that I was going to be getting from the sell of my dads house who had passed away I informed Wells Fargo about this when I opened the account On XX/XX/XXXX I deposited a cashiers check for {$62000.00} into my savings account with Wells Fargo inside a branch when in the branch they had to call XXXX bank and verify the check and they were able to do that I was told that they were going to only give me {$5000.00} the next day and the rest would be A 4 day hold On XX/XX/XXXX I made a transfer from my savings to my checking account of {$2500.00} and tried to pull it out at the atm however my card was blocked by the bank and I had to call them. When I called them they told me that I needed to step into a branch with my id I told them no problem I was able to withdraw the {$2500.00} inside the bank however now on XX/XX/XXXX I was notified that my account was no frozen and I would not be able to withdraw any money from my account until I talk to someone in the risk management department. 

Im not happy the fact that the bank is allowed to just not let me have access to my money i will be filing a police report against the company as this is crazy!
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (DC)

I am requesting this account to be removed or updated on my consumer report paid and Full I consumer, and natural person, i am award of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) * 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission from my understanding charge off is considered income by the irs and income can not be reported.And That is considered tex fraud
Consumer complaint received 2024-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NY)

I am writing to address an issue with my account, which currently holds a balance of {$210.00}. Recently, I was requested to upload my National Identification Card for verification purposes, which I promptly did. Despite adhering to the one business day waiting period for processing, my account has unfortunately been limited instead of approved. 
As a professional working with a registered company, XXXX XXXX, I am concerned about this unexpected limitation. I must understand the specific reasons behind this action. Furthermore, the prompt resolution of this matter is crucial as it directly impacts my financial transactions. 
Therefore, I request a detailed explanation regarding the limitation of my account and urge for a swift resolution to regain full access to my funds. Your prompt attention to this matter will be greatly appreciated.
Consumer complaint received 2024-01-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX XXXX CA XXXX XXXX XXXX Hello, My Name Is XXXX XXXX XXXX. The problem is Originator of my XXXX 4 % percent FHA HUD HOME LOAN Acquired and closed XX/XX/2013 CA XXXX provided by XXXX XXXX XXXX XXXX XXXX ID XXXX, TAX ID XXXX NMLS ID of XX/XX/1028XX/XX/XXXX XX/XX/8400XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Agency Case XXXX XXXX which PMI Condition of the loan 138 month of PMI Lenders Case No XXXX Loan amount XXXX Section of the Act for HUD cases XXXX. loan is missing from all three Credit Reporting Agencies XXXX, XXXX, XXXX. My Mortgage Loan was Transferred Sold to XX/XX/XXXXXX/XX/1153XXXX XX/XX/XXXX. XX/XX/XXXX Sold and Transferred My loan on XX/XX/XXXX to PennyMac Loan Services. 

PennyMac Loan Services will service loan starting ; XX/XX/XXXX. My Statements Has not been correct in 9 years escrow account analyst was consistently done too month early wrapping 2 month of previous year into the next years billing creating higher payments every year and PMI OR MPI is not do to drop from loan until after last monthly payment in XX/XX/XXXX has been paid which has not past yet to meet terms however PennyMac Loan Service has dropped PMI violating terms and conditions of the loan. I have requested on several occasions the tracking and payments made to FHA HUD that is collected and provided on FHA HUD CONNECT that print out of PMI paid tracking by servicer PennyMac Loan Services They have never provided the Legal FHA HUD CONNECTION PROOF OF PAYMENTS OF PMI. I looked on the FHA HUD WEB SITE to see my home standing because all FHA HUD HOME LOANS ARE LISTED I never refinanced my loan. My home located at XXXX XXXX XXXX XXXX XXXX CA XXXX loan provided by XXXX XXXX XXXX XXXX XXXX ID XXXX, TAX ID XXXX XXXX ID of XXXX XXXX XXXXXX/XX/1028XX/XX/XXXX, KS XXXX Agency Case No.NUMBER XXXX which PMI Condition of the loan 138 month of PMI Lenders Case No XXXX Loan amount XXXX Section of the Act for HUD XXXX XXXX is not present on FHA HUD WEB SITE which PennyMac Loan Services stopped paying PMI YEARS ago PMI is not due to come off my loan for another Year and a half but yet PennyMac creative billing has been sending false and incorrect statements for sometime. The Truth in Lending has been violated as well as my property rights have been violated as a homeowner. I ask from consumer affairs because of the blatant act of violating terms and conditions I ask DEED AND TRUST PAID IN FULL. 
Collectively all credit Reporting Agencies has a part in this Mortgage Fraud That I have been Subjected too and need to be accountable for this. All Mortgage Loans stay on your credit for the life of loan 30yr, 15yr and or 10yr transferred, Paid in full and or refinance that too keep track and elevate Mortgage equity Theft and Mortgage Fraud. 

Thank You. 

XXXX XXXX XXXX.
Consumer complaint received 2024-01-07
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: AMERICAN EXPRESS COMPANY (IL)

I received a {$100.00} American Express gift card as a XXXX gift. I have tried to use it at multiple retailers in person and online. I have checked the balance multiple times the card is active and it has the full {$100.00} on it I have visited the website and called American Express to try to resolve this issue and I can not get a person on the phone, I have done all the steps that they have suggested to get the card to work, including trying different retailers without success. The retailers I have tried include XXXX, XXXX, a local coffee house, a restaurant called XXXX XXXX, XXXX, XXXX, and XXXX. The card is either declined or it states that it is invalid. It is absolutely impossible to get a person on the phone at American Express to fix this issue. I also wholeheartedly believe that American Express is providing false advertising stating that this card works anywhere that their cards are accepted. If you search online youll find this is a very common issue with this prepaid card.
Consumer complaint received 2024-01-07
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: AMERICAN EXPRESS COMPANY (IL)

I received an Amex {$50.00} card for the holidays as a gift. I have been unable to use the card online or in person. The card has been declined everywhere, despite the fact that the card has been activated, and in checking repeatedly, the full amount remains on this card.