davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX Re : Consumer Financial Protection Bureau Complaint XXXX Subject : Response to Chase 's Claim of First Lien Position Threat Whereas, Governor XXXX vetoed XXXX XXXX XXXX on XX/XX/XXXX. She let stand an executive order prohibiting lien sales for water and sewer charges. In addition, Senate Bill 2023-S2540 is introduced to extend the Executive Order prohibiting lien sales for water and swerve charges. In accordance with these measures, the city council has decided not to renew the law authorizing lien sales for water and sewer charges. Chase Bank can not claim a threat to their first lien position which has been nullified by the mechanism of the legislative and executive apparatus of government.

Moreover, my longstanding agreement with the Department of Environmental Protection ( DEP ) explicitly safeguards Chase Bank 's first lien position. This agreement was established to ensure the bank 's security interest in my property. Despite the clear legal landscape delineated by executive order, legislative initiatives, and my contractual agreement with DEP, Chase Bank has embarked on a campaign of predatory manipulation. Their aim is transparent : to enable foreclosure proceedings under the guise of protecting their first lien position.

Argumentation : Disregard for Legal Prohibitions : Chase Bank 's attempt to foreclose on my property disregards the executive order prohibiting the recording of liens and lien sales for water and sewer charges. This demonstrates a blatant disregard for the legal framework established by the state government to safeguard homeowners.

Manipulative Practices : By asserting the protection of their first lien position as justification for foreclosure proceedings, Chase Bank attempts to mask their predatory lending practices. The executive order, coupled with the expiration of laws authorizing lien sales, nullifies any legitimate claim by the bank to prioritize their position. 
Violation of Contractual Agreement : Furthermore, Chase Bank 's actions directly violate the longstanding agreement between myself and the DEP, which explicitly protects the bank 's first lien position. Their disregard for this agreement underscores their predatory intent and lack of respect for contractual obligations.

Conclusion : In conclusion, Chase Bank 's predatory and manipulative practices represent a grave threat to homeowners ' rights and financial security. Their attempt to foreclose on my property in defiance of existing legal prohibitions and contractual agreements must be swiftly addressed by the Consumer Financial Protection Bureau. I implore the bureau to investigate this matter thoroughly and take decisive action to hold Chase Bank accountable for their reprehensible conduct. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-04-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC (IN)

I applied with Newrez mortgage for a cash out refinance for a home improvement project. I was assured that everything met the credit standards, I had plenty of equity in my home and my social security income was enough to qualify me. During the underwriting process a bank statement was requested for my personal bank account. I provided those documents and after viewing them it was requested to get copies of my llc business bank account. They used the term sourcing the funds concerning some transactions on my personal bank account. I explained the situation and provided a third statement to help clear up the issue. Since my business was not applying for the loan in anyway it should not be necessary to have those banking statements. My loan officer XXXX XXXX even mentioned on a call that in all his years in the industry he never heard of anyone asking for bank statements.
Consumer complaint received 2024-07-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I can't access the statements. nor the information about my loan. This bank does not provide them to me. I made a previous claim. I do not have access to those documents that they sent. They do not provide me with the correct information about my payments and they charge me surcharges
Consumer complaint received 2023-08-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (CA)

On XX/XX/XXXX XXXX, I transfer XXXX USD from RIA XXXX to my bank account in XXXX XXXX some days after I did not received my transfer and RIA XXXX my RIA account and they did not refound the money, I have been calling RIA but always they say they do not have my money, then I do not know how can I get my money back.
Consumer complaint received 2024-03-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: BMO Bank, N.A. (CA)

I opened a CD account with BMO ( XXXX XXXX  a little over a year ago. The maturity date for the account was XX/XX/2024. Before the maturity date I went online to denote what I wanted to happen to the money when the account was matured. 

There were no options to set this in advance. There was also no indication as to what would happen to the money once the maturity date had reached. I assumed I could log on after the maturity date and then direct the bank as to what to do with the money. 

A day or two after the maturity date I signed back online, and it was clear that the money had automatically been put in another 1 year CD. Online, there was no option to pull the money out, or stop the process. I tried calling, however, they do not have a 24hr call line, and their customer service has limited hours. 

The first time I got a chance to call them was XX/XX/XXXX, about 15 days after the account had matured. I was told that there was nothing I could do to pull out my money, and that doing so would incur a penalty over {$1000.00}. The representative ( XXXX XXXX ) also told me that there was no one I could talk to, to try and resolve the issue. Finally, I was told that I could not even direct them in advance not to auto-renew my account next year, and my only course of action was to call them in 1 year, within 10 days after the account has matured, to pull out the money. Otherwise, I would incur a penalty trying to take out the money, and there is no way to stop this auto-renewal of the CD account.
Consumer complaint received 2024-03-24
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TN)

For nearly a week, I have tried to pay my closed XXXX/Comenity account in full. I have tried on line payments, in store payment and payments made by phone call. I fear sending a check given the issues I have had prior. My last attempt today, XX/XX/year> resulted in a customer service connection that was disconnected on the companys end. As my payments are being disallowed, my interest accrues. I will continue to try to pay off this account but felt it was important that this agency be made aware that this practice goes on within Comenity Banking concerning card holders and customers of XXXX.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services (TX)

The Fair Debt Collection Practices Act ( FDCPA ) is a federal law in the United States that governs the behavior of debt collectors and protects consumers from abusive or unfair debt collection practices. Here are some key provisions of the FDCPA : 1. Communication : The FDCPA restricts the times and places debt collectors can contact consumers. They can not call before XXXX XXXX. or after XXXX XXXX. unless the consumer agrees otherwise. They also can not contact consumers at their workplace if they are aware that the employer prohibits such communications. 

2. Harassment and Abuse : Debt collectors are prohibited from engaging in any conduct that is meant to harass, oppress, or abuse consumers. This includes using obscene or profane language, making threats of violence, or repeatedly calling with the intent to annoy.

3. False or Misleading Representations : Debt collectors can not use deceptive or misleading practices to collect a debt. They must accurately identify themselves, the debt they are attempting to collect, and provide information about the consumer 's rights.

4. Validation of Debts : Upon request, debt collectors must provide consumers with written verification of the debt, including the amount owed and the name of the original creditor.

5. Cease and Desist : Consumers have the right to request that debt collectors stop contacting them. Once a written request is received, the debt collector can only contact the consumer to confirm they will cease communication or to notify them of legal action being taken.

FDCPA applies only to third-party debt collectors.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (CA)

I issued a payment of {$5000.00} to my XXXX XXXX before securing the credit card. Due to unrelated legal issues, there was a temporary garnishment on my account, which did not involve XXXX  or XXXX. The legal matter was resolved outside of court. Subsequently, all debts were fully paid to XXXX/XXXX. Following this, I requested a full refund, either through a cashier 's check or direct deposit into my bank account. I was informed that this process would take XXXX business days, starting from XX/XX/2024. However, as of now, I have not received any update or confirmation regarding the issuance of the cashier 's check or the direct deposit into my personal account, even though XXXXXXXX  has confirmed that the account is closed.
Consumer complaint received 2023-10-14
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. (NV)

in accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2, also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open an consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-24
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 recently reviewed a copy of my credit report and noticed Inhad fraudulent accounts on my report. 
Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize these accounts and did not authorize them. They are reported by third party.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capitol One- I sent them a certified letter on XX/XX/24 requesting that they provide me with the original creditors contract with my signature. I also requested to provide me the original pay history and proof of assignment. They responded back with letter dated XX/XX/24 with their contact with my signature not the original creditor. They also sent their pay history not the original creditor. 
Please assist in getting this information so I can make sure it is accurate. 

My XXXX report is reporting many inaccurate information on many accounts. Please assist in getting this corrected. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Mercari, Inc. (NY)

I read this on the company 's website, but the relevant information is missing : " XXXX is also a licensed money services business in the U.S. jurisdictions listed on our Licenses/Disclosures page. Residents of certain states may have rights regarding concerns or complaints with our services ; see the Licenses/Disclosures page for more information. '' 1 ) The company sent me an email that they were having order processing problems, and I could cancel the order and my XXXX  would be refunded {$XXXX}. ( see attached PDF ) 2 ) I cancelled my order, expecting a refund.

3 ) It appeared that my order was not cancelled, so I emailed directly to XXXX to clarify my cancellation for a refund because of the problems with this order. 
4 ) It appeared that the communication system XXXX uses does not have a human being representative, or there is no direct human being at XXXX to speak with when there is a problem. I asked repeatedly to speak with someone at XXXX to fix this, because the email responses I was receiving did not address directly my cancellation and refund, though the email response did acknowledge the company had " system error. '' 5 ) Subsequently after contacting XXXX repeatedly to fix this cancellation for the refund, my account mysteriously had error messages : " something went wrong. '' ( See attached PDF. ) I could not again log into my account, after I raised these complaints with the company. 
6 ) The next day, the company wrote to me that I was beyond a XXXX hour time limit to submit a complaint about the order. This was very confusing. I again asked to speak with a human being at XXXX, and asked for the appropriate contact to understand how my money was transferred through the company. The company refused to provide a direct human being contact. 
7 ) I next looked at the company 's help page in detail. ( Attached PDF. ) I located this section of interest : " '' XXXX is also a licensed money services business in the U.S. jurisdictions listed on our Licenses/Disclosures page. Residents of certain states may have rights regarding concerns or complaints with our services ; see the Licenses/Disclosures page for more information. '' When I clicked on this section, this webpage gave an error message. ( See attached PDF. ) 8 ) I asked the company to provide these Licenses/Disclosures directly to me via email, as the webpage is broken. I have not received a response.

9 ) The phone line says that " support is currently not available in your area. '' XXXX
Consumer complaint received 2024-03-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TFS FINANCIAL CORPORATION (MO)

I applied for a Heloc in XXXX XXXX XXXX. I signed Heloc approval documentation on XX/XX/XXXX. I contacted Third Federal on XX/XX/XXXX, when I had not received checks to pay off my creditors. At that time, I spoke with a young woman and she said that I should receive any day now. She put me on hold, spoke with another department and got back with me and told me that if there was any issue, someone would contact me, but at that time " Never '' said that they were going to put a stop payment on the checks. I received the checks the next day. Mailed XXXX  day USPS and after a week, payments had been posted. On the XXXX, I went back and checked to realize that the payments had reversed. I contacted Third Federal first thing Monday morning. Being placed on several holds, they verified that a stop payment had been placed on the checks- ( XXXX ) and that a new batch was ordered. I was never contacted or advised that this was going to take place. XXXX XXXX stated that they needed to do the research to figure out why. When I asked did they record phone calls, he said yes, in a manner in which, they would find out that the error was on me and not them.

I requested is that the funds be wired, in lieu of their error, but XXXX stated that was not an option due to the 'contract ' agreement, that the checks were the only option. He could not advise when I would receive the new batch of checks that was placed on the XXXX. They are sending out XXXX XXXX XXXX and no tracking system in place to confirm when customer is to receive those checks. I am being charged interest, not only from the creditors, possible check charges, for checks that had stop payments placed on them, but also charged interest from the heloc, and do not have access to those funds.
Consumer complaint received 2024-03-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

When you try to finalize a car account, I feel like it wants to charge you more money than usual. I made a call to find out when the final balance of the car is owed. In one they told me an amount. 2 weeks later they told me that a monthly payment was missing. I understand that there is no agreement on the account
Consumer complaint received 2023-11-03
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. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX is STILL REPORTING my INACCURATE account to Experian AS 60 Day delinquent WITH A UNPAID BALANCE! THIS HAS TRIGGERED MY XXXX XXXX XXXX AND CAUSED PHYSICAL & FINANCIAL HARM. 
On XX/XX/XXXX @ XXXX, I called XXXX XXXX  XXXX spoke with XXXX XXXX the Collection Supervisor ) @ ( XXXX ) XXXX - XXXX AT WHICH TIME she told me my PAY OFF BALANCE WAS : XXXX ~ Which I immediately PAID thru her USING MY BANKING INFORMATION THEY HAVE ON FILE. in noting ; MY auto loan WAS ON AUTO PAY for the ENTIRE LENGTH of my LOAN. WITHOUT NOTIFYING ME IN ANY SHAPE, FORM OR FASHION ; THEY STOPPED MY AUTOPAY!!! WHICH CAUSED ME TO GO INTO ARREARS IN THE 1ST PLACE!!!

I HAVE CHECKED MY BANK STATEMENT - WHICH VERIFIED THE {XXXX} WAS PAID! ( but due to Bank Regulations, I Could NOT SCREEN SHOT THE STATEMENH
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. Account Name : XXXX XXXX XXXX ( ). Acct # XXXX Please update the account as Paid in full and closed/Current. My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a third party. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help with this matter,
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OK)

I have contacted the Department of Education on Mohela needing to correct my student loan account. I completed a Borrower Defense application in 2019 and through XXXXXXXX XXXX XXXXXXXX this was approved. Because of this, ALL of my loans through Mohela must lawfully be discharged through Borrower Defense. Mohela ignored this and instead did it through the Public Service Loan Forgiveness. Because of this I have not provided the correct discharge and have not received the refunds of all payments made on all of my school loans that I am lawfully due. With the XXXX XXXX XXXXXXXX lawsuit should have received all loan discharges and all refunds of payments by this date as per the lawsuit and Mohela and the Department of Education are now in breach of contract!
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am contesting any information on my credit report that I believe to be inaccurate. The data included in my credit report must be validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which does not meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. If any of these claims are not true, please delete them immediately.
Consumer complaint received 2024-04-05
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: First Help Financial, LLC (MD)

Hard inquiries reported fraudulent FIRST HELP FINANCIAL Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. With the following inquiriesXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX, has violated my rights. 

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