davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Neon Newco Corporation (NY)

On dates of XX/XX/2020 = {$1500.00} XXXX {$1000.00} XXXX {$1000.00} This is just one of many fraudulent activites that happened when I started recieving my XXXX  from XXXX XXXX. 
These charges were money transfers from me to myself, i dont have two accounts. 
The bank in which this happened is : NetSpend XXXX XXXX XXXX XXXX, Texas XXXX Account XXXX XXXXXXXX I reported this issue as fraud as the bank knows I only have one account and they denied my claim. 
XX/XX/2020 - The card was also uses again threw XXXX, I looked it up on XXXX and its actually a hack. 
I also filed an IC3 report starting the issue and later found out it was a fake report and never made it to the Federal Security team. I will be doing that again as well, i would like to see my money back, this has been going on to long. 
XXXX XXXX XXXX XXXX I hope to hear from somebody soon,,
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/2023 I submitted a mobile deposit. It was received on the XXXX and said it would be available XX/XX/2023. So I called Tuesday, XX/XX/2033 I wanted to check why was the check on hold and then was told by a guy who worked for Chase said my account was suspended. I did not understand why they decided to suspend my account and not tell me. I believe it was very wrong that they suspended account so that I could not use my money. The XXXX man who I spoke to on XX/XX/2033 told me that the check was more than what I make so they thought me depositing {$3000.00} was suspicious and it was my first time making a mobile deposit. Since they suspended my account, they affected me from getting paid today, XX/XX/2023. So I did not get my check nor did I get my pay from my job all because of Chase holding my funds. I am unable to pay bills and pay for groceries because of Chase.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Looks like Carrington is going to ignore the laws of Texas, and rules set by the cfpb, in XXXX the account for XXXX XXXX XXXX XXXX by XXXX  XXXX XXXX because the 7 year 's to remove had passed, it was removed from all the credit reporting agencies, in XXXX the account was moved over to Carrington a debt collector, they started making up statements, that was false, first a lawyer sent me a letter to cure the account XXXX, then Carrington sends a statement in XX/XX/XXXX, for XXXX, in XX/XX/XXXX one for XXXX, then one in XXXX for XXXX, al these supposedly pass due amount s, now Carrington has put it back on my credit report, reporting like a new mortgage, they changed all the amounts, not reporting the last payment was XX/XX/XXXX, according to the fair credit reporting act, once a account is removed it can't be put back on, and changing all the information is illegal, and can file suit.also justice Dept ruled it illegal
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I REQUESTED INFORMATION FROM EACH COMPANY ASKING THEM TO PROVIDE PROOF THAT THESE ACCOUNTS BELONG TO ME. THEY DID NOT PROVIDE PROOF AND THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED AND NOT PROVIDING PROOF THESE ACCOUNTS BELONG TO ME. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEENSTOLEN AND USED FOR FRAUDULENT PURPOSES.
Consumer complaint received 2023-11-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NV)

I got several calls from Chase XXXX XXXX business relation XXXX XXXX XXXX XXXX for CD promotion rate 4.88 % and thinking about opening it if they can do DocuSign for signing up this product.

I cancelled the plan to open because Chase can't do it the same date XX/XX/ we schedule for a Zoom meeting. Without any documents given to me, signature of any forms from me, the new CD account was open without my authorization nor acknowledgement. 
We then got a letter in the mail saying our account would be restricted then closed soon if we don't sign the documents from Chase. 
XXXX I wrote an email to Chase XXXX XXXX to escalate the issue seeking for help when I were on the trip overseas and ask for postpone on the account restrictions and closure. I didn't get a positive resolve, then I wrote a compliant to CEO 's email get a reply from XXXX XXXX XXXX 
Till today, Chase hasn't done anything to investigate what happened nor resolve the restrictions they threaten to us then closing our account of their mistake. I was told over the phone Chase can't start looking into it if this case is not resolved XXXX with XXXX, XXXX XXXX
Consumer complaint received 2023-11-23
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Management Solutions, LLC (MD)

XXXX  My information was sold from my old landlord to a FMS collector. They stated that I owe them XXXX due to an eviction. XXXX XXXX XXXX XXXX XXXX never notified me about an eviction. I was never sent legal documents. I was never ordered by the court. I was never given any information or paperwork, stating that I was evicted. The FMS collectors has been harassing my mom and she took {$2000.00} from my mom who is on XXXX who never lives with me.. when I told XXXX XXXX XXXX that we can go to court due to this issue, she begged me not to go to court. instead of going to court they put the issue on my credit report and that is not fair to me due to. I never received any documents on eviction and the courthouse looked up my name and never found any lawsuit put against me. They put three evictions on my credit report but its only one thats showing so they can get more money out of me, but in the courthouse system there is nothing showing that I have been evicted. I need help please because this is really unfair.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

I HAVE CONTINUOUSLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, EXPERIAN, AND XXXX. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. 

XXXX : 1. The following personal information is incorrect Former : XXXX  XXXX XXXXXXXX 2. The following personal information is incorrect Former : XXXX XXXX  XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX 5. Under 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( i ) ( 3 ) .Restriction on sharing of medical information. This medical collection is in violation and must be removed. 


EXPERIAN : 1. The following personal information is incorrect Date of Birth : XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX 3. The following personal information is incorrect Employers : XXXX XXXX 4. Under 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( i ) ( 3 ) .Restriction on sharing of medical information. This medical collection is in violation and must be removed. 

XXXX : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX, WA 4. Under 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( i ) ( 3 ) .Restriction on sharing of medical information. This medical collection is in violation and must be removed
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (NC)

I believe the account is invalid. CCB/CHLDPLCE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.CCB/CHLDPLCE XXXX
Consumer complaint received 2023-11-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glasser and Glasser, PLC (MD)

To Whom It May Concern, I am writing to lodge a formal complaint against XXXX XXXX  and their collection agency, Glasser and Glasser PLC, for non-compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in their handling of an alleged debt. 

Description of the Incident : The sole correspondence I received regarding the alleged debt was from Glasser and Glasser PLC, representing XXXX XXXX. This initial contact occurred on XX/XX/. Subsequently, I sent a written request for debt validation to Glasser and Glasser PLC within the required 30-day period, as outlined by the FDCPA. This request was dispatched on XX/XX/ via certified mail. A copy of this letter is included in the attachments for your reference. 

Violation of FDCPA : Under the FDCPA, collection activities must be suspended upon receiving a written request for debt validation until the debt is confirmed ( 15 U.S.C. 1692g ( b ) ). However, neither XXXX XXXX  nor Glasser and Glasser PLC has acknowledged my request or provided the necessary validation, yet they continue with their collection efforts. This behavior is a clear violation of the FDCPA. 

Violation of FCRA : The FCRA mandates accurate credit reporting. The continuation of reporting this unverified debt by XXXX XXXX  could potentially be erroneous, adversely affecting my credit score and report. This situation may constitute a violation of the FCRA 's requirements for accurate and fair credit reporting. 

Request for CFPB Intervention : I respectfully urge the CFPB to investigate these potential violations. The ongoing collection activities and credit reporting, despite my unacknowledged request for debt validation, are concerning and may negatively impact my financial health. 

Attachments : Enclosed are copies of the correspondence from Glasser and Glasser PLC, my written request for debt validation ( refer to the attached letter sent to Glasser and Glasser PLC ), and any other pertinent documents. 

Conclusion : I seek the CFPB 's assistance in resolving this matter and ensuring my rights under the FDCPA and FCRA are protected. I am available to provide further information as needed for your investigation. 

Thank you for addressing this important issue. I look forward to your prompt response and a favorable resolution.
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Access Receivables of NC Inc. (MD)

Attn : Access Receivables Reference Number : XXXX Original Creditor : Virginia State Department of Taxation.

This is a formal notice of identity theft ; attached is a police report ; and my original ID ; also below youll find case information from the FBI office in XXXX XXXX. 

Please stop contacting me, remove my information from your system, and return account to original creditor. 

U.S. Department of Justice Federal Bureau of Investigation FBI - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX RE : Case Number : XXXX
Consumer complaint received 2023-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO. (CA)

Notification send by email and postal mail from XXXX XXXX at Chase, The notification informed me that they are moving our mortgage from First Republic Bank to JP Morgan Chase on XX/XX/XXXX. The letter clearly stated that we would have no access from XXXX XXXX through XX/XX/XXXX. 

I checked our accounts after XXXX XXXX as instructed and found the following errors. 

- Closing balance of my mortgage with First Republic Bank increased without explanation. 
- I could not locate a statement with First Republic Bank. All statements with First Republic Bank have disappeared and are no longer available online. 
- The new mortgage account with Chase has a different opening balance than what was recorded as the closing balance with First Republic Bank. 
- the new mortgage account with Chase has no statements available. 

On XX/XX/XXXX, due to these errors I asked that XXXX XXXX be informed of this situation and to confirm with me that he had been contacted and that he was aware of the issue. I have not been contacted by Chase since my initial call on XX/XX/XXXX. 

I called back on XX/XX/XXXX and Chase does not have any updated information, no answers and no confirmation that XXXX XXXX has been informed. No one at Chase can explain the change in the balance of my mortgage and I can not locate my mortgage statements to track the changing balance of the loan. 

It is now XX/XX/XXXX and Chase is still unable to provide answers or the information requested. 

The case # for my initial call on XX/XX/XXXX is # XXXX
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION ()

Capital one closed my account without giving any notice. According to them, the notice was sent to my address on file. However, I have a mail service that scans every mail. No mail was received. The notice was NOT found on my notice or statements online ( my account is setup as paperless ) either. When I requested a copy of the letter, they are not able to provide such notice. I lost XXXX points because of it.
Consumer complaint received 2023-11-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

XXXX says issue is closed. it is not closed. I have not got my XXXX back yet. XXXX XXXX XXXX XXXX XXXX  who cashed the stolen forged check. it's known this is a fraud case on different levels of fraud yet nobody is paying me money. they said they have uo to 180 days. well they investigated this & it is fraud so why can't they give me my money so I'm not homeless with XXXX kids when rightfully the XXXX procedures is reason my identity & check got stolen in the first place
Consumer complaint received 2023-11-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter is in response to your companys furnishing of the above information to my XXXX XXXX XXXX XXXX XXXX credit bureaus. Under the FDCPA, I dispute this debt. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens ( mo ) 281 SW 715 179. I presume that no proof of the alleged account, nor therefore any such debt, in fact therefore exists. Nevertheless, I am unable to find any documentation of any contractual relationship between the above company & myself, legally listing you/your company as a person/company entitled to enforce/furnish a commercial claim/payment history against me. 
This is NOT a request for verification or validation. 
This is a demand for : 1. Consumer Notice as required under USC 1016.4 & USC 1016.5 2. Account Ledger and monthly statements 3. Forward Flow Agreement, pursuant to 15 USC 1681a 4. Purchase Agreement, pursuant to 15 USC 1602 ( k ) 5. The account date of last activity, and payment notation 6. Medical Release Waive, Bearing my signature Failure to respond satisfactorily within 15 days of receipt of this certified letter may result in a small claims action against your company, seeking up to {$1000.00} per violation for statutory and economic damages for : 1. ) Defamation 2. ) Violations of the Fair Credit Reporting Act 3. ) Violation of 15 USC 1681b 4. ) Violation of 15 USC 6801 5. ) Violation of 15 USC 623-b 6. ) Violation of 15 USC 807-8 7. ) Violation of 15 USC 1692 ( b ) 2 8. ) Violation of 15 USC 1692 ( F ) 8 9. ) Violation of 15 USC 1692 b ( 5 )
Consumer complaint received 2024-03-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC (GA)

Fiance car through US Auto, but now paying Westlake. They is doing the same thing as US Auto. Saying I'm behind but not. Say I owe {$1300.00} when I only owe for this month and partial payment of last month which is {$200.00}. So how {$600.00} turns into {$1300.00} and they coming to get the car. No calls or nothing.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/23 XXXX XXXX ( XXXX ) called me saying transactions had been cancelled by XXXX and a solicitation for my agreement on a {$10.00} fee was made. 
On XX/XX/23 the same thing happened. 
On XX/XX/23 Wells Fargo advised a {$11000.00} XXXX XXXX XXXX XXXX XXXX unacknowledged ( by me ) withdrawal had been made on my account. 
On XX/XX/23 Wells Fargo advised another {$1100.00} XXXX XXXX XXXX XXXX XXXX unacknowledged ( by me ) withdrawal had been made on my account. 
Further, my XXXX account was - {$640.00} below XXXX. 
An electronic deposit was made by my employer bringing it to - {$110.00}, where it stays after I closed it later that day. 
Monday XX/XX/23 I checked my fraud complaint status with Wells Fargo who advised I had no claim ; mailed letter pending. 
I claim failure to client fiduciary responsibility on both XXXX and Wells Fargo. 
I claim conspiracy to defraud a lawful client, myself, by XXXX and Wells Fargo.
Consumer complaint received 2023-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: WELLS FARGO & COMPANY (NC)

I contacted Wells Fargo Mortgage in XX/XX/XXXX  to advise them that as of XX/XX/XXXX  I had met the criteria to have PMI discontinued to be taken out of my mortgage- loan ending in XXXX since I had reached the required 20 %. I further advised it should not be the customer 's responsibility to track this they should have known considering I have a separate mortgage on another property and Wells Fargo stopped PMI without me having to request them to discontinue taking it out. 

I requested to have a refund issued in the amount of {$44.00} which cover the PMI of {$11.00} which was taken out from XXXX to XX/XX/. I received a letter dated XX/XX/XXXX  that my refund request was denied. I need to understand how can Wells Fargo continue to take out PMI when the mortgage had reached the criteria to have it discontinued. 

I feel I'm due a refund because Wells Fargo failed to adhere to the terms of PMI.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (TN)

I did not authorize OR grant my permissible written or verbal consent to Global Lending Services to pull my consumer report and neither did you provide me a consumer financial product or service pursuant to Title 12, United States Code, section 5841 ( 15 ). I demand your company immediately remove the hard inquiries from my credit report. I never intended to do business with your company and never authorized the use of my SS # or any other personal info to be used by Global Lending Services or any of its partners.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

In accordance with the Fair reporting Credit act, this creditor has violated my rights. Under 15 USC 1681 Sec 602 states I have the right to privacy. 15 USC 1681 Sec 604a Sec 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2023-11-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TRUIST FINANCIAL CORPORATION (NY)

I am on social security and the company was aware of this I get paid once a month at the XXXX wed of every month and again original company SunTrust well they were all aware of this. SunTrust sold the company to Truist. I had a fha loan to keep my payment of XXXX approximately the new company raised my bill to XXXX dollars Sun Trust knew that i did not get paid till the end of the month and they added late charges i spoke with them a while ago i wanted my payment date moved but nothing was done. I have tried to pay my bill for the last 2 months and they refused to accept it so now i am 5 months behind because of it. My loan investor they are trying to give me is XXXX XXXX!! federal housing Administration. i was having no problem paying the mortgage `till they took it up XXXX dollars and my grandson left and he was paying the XXXX XXXX XXXX which runs XXXX a month.so as you can see a bit of money added to my financial stress I do not want to lose my home so i definitely have a financial hardship would i be eligible for any assistant from the state of federal government i spoke to someone from Community and they told me because i had to put my son and daughter in law into the application. They do live with me and they pay my cable bill but there is no other financial aid from them they have their own life here. I do have custody of my XXXX great grand children Truist denied my request so where do i go know and what can I do to save my home my balance on the house is XXXX with a mature date of XXXX XXXX the new principal would XXXX this includes my insurance also and taxes I do not want to sign the disclosure that they sent me because it would take my payment out I will be dead/ they also want me to pay not sure of the correct amount but is is about XXXX dollars now if i had this kind of money for a down payment don't you think i would have paid my bill and not even need this. All if looks like to me they are setting up for a foreclosures when i die so they can take the house back after i have paid on it so many as you can see i need help please let me knowif anything can be down ' thank you