davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (MA)

Called out of the blue by the data for a debt they claim from 5 years ago. I asked for statements and proof. They refused and yelled at me for not agreeing to pay the debt over the phone without proof. Very unprofessional and rude.
Consumer complaint received 2024-03-16
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. (FL)

EXPERIAN, XXXX, XXXX Last 4 socialXXXX RE : XXXX XXXX To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/XXXX XX/XX/XXXX on the account XXXX XXXX XXXX XXXX XXXXand accordance with the fair credit act XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately.

After doing so please provide me with an updated reflecting the changes. 

Best Regards, XXXX XXXX
Consumer complaint received 2023-12-14
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

XXXX XXXX, IS A LAW FIRM THAT CLAIMS TO REPRESENT PENNYMAC LOAN SERVICES , LLC . 1. THEY ARE A 3RD PARTY DEBT COLLECTOR WHOM I HAVE NEVER HAD A CONTRACTUAL AGREEMENT OR OBILIGATION NOR DO THEY HAVE AUTHORITY TO OPERATE IN THIS MANNER WITH NO PERMISSABLE PURPOSE. THIS VIOLATES MY CONSUMERS RIGHTS ON DEBT COLLECTION PRACTICES PER THE FDCPA. ALONG WITH HARRASSMENT, THEY REPEATEDLY HAVE SENT MORE THAN 12 THREATENING NOTICES VIOLATING ( 15 USC 1692 ) STATING THEY WILL FORECLOSE ON MY PROPERTY AND VIOLATING PUBLIC LAW 73-10 HJR 1933 IS STILL ENFORCED TO DATE AS IT PERTAINS TO THE UNITED STATES OF AMEREICAN and its Citizens. AS
Consumer complaint received 2023-12-14
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rubin Lublin, LLC (GA)

RUBIN LUBLIN, IS A LAW FIRM THAT CLAIMS TO REPRESENT XXXX XXXX XXXX XXXX XXXX XXXX 1. THEY ARE A 3RD PARTY DEBT COLLECTOR WHOM I HAVE NEVER HAD A CONTRACTUAL AGREEMENT OR OBILIGATION NOR DO THEY HAVE AUTHORITY TO OPERATE IN THIS MANNER WITH NO PERMISSABLE PURPOSE. THIS VIOLATES MY CONSUMERS RIGHTS ON DEBT COLLECTION PRACTICES PER THE FDCPA. ALONG WITH HARRASSMENT, THEY REPEATEDLY HAVE SENT MORE THAN 12 THREATENING NOTICES VIOLATING ( 15 USC 1692 ) STATING THEY WILL FORECLOSE ON MY PROPERTY AND VIOLATING PUBLIC LAW 73-10 HJR 1933 IS STILL ENFORCED TO DATE AS IT PERTAINS TO THE UNITED STATES OF AMEREICAN and its Citizens. AS
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NV)

I opened my checking account through a web page that advertised {$300.00} for opening an account and also making direct deposits of over {$1000.00} in the next 60 days. On the web page, there was a link to open the account right from there or it said you could go to the branch and open in person with a code. I pressed the link and continued to apply and open an account. I made the qualifying direct deposits. After 90 days I called to check when it would come and they said anytime during the month but then they saw no banking code attached to my account and said that I would not be receiving the {$300.00}. I was transferred and told the same thing. I asked for it to be elevated to a supervisor to verify what was going on. I have since received a letter stating I would not receive the funds because there was no code attached to my account. I have spoken to them 3 different times. There is no resolution and I know for a fact that I should be receiving the money because I was comparing bank offers for opening an account and went with them because of the XXXX. Please help me resolve this. Maybe there is a way for them to trace back to the web page that I started from. Thank you for your time,
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO Bank, N.A. (IA)

I was a Bank of the West customer. Bank of the West was acquired by BMO and the transition took place over at the end of XX/XX/XXXX  and beginning of XX/XX/2023. I have numerous accounts with them including business accounts. Nearly as soon as the transition occurred, my business credit card was hacked by someone in XXXX so BMO closed my account. While they said I would have new card in 5-7 business days, it took almost three weeks to get a new card. I needed the card in the course of my business. 
Now that I have the new card, my transactions frequently get denied and I have to call BMO. 
In addition to this, I can no longer directly pay my credit card from my BMO accounts. They created some website called XXXX XXXX  for business credit cards. We are required to use this website to pay our business card but it never works. I have had to changed my log in, password and security questions many different times and it still doesn't work. 
I have to call BMO to have them transfer funds from my other accounts to pay the business card! THEN, they put a week long hold on the transaction. These are funds coming from accounts I have with them. They KNOW the money is in the account yet they put a hold on the payment. I think they are doing this intentionally so they can charge interest on the card. 
This morning, I had another purchase that was declined so I called BMO. While the rep was talking to me, she said she heard a voice in the background and wanted to know who else was a co-signer on the account. I do not have a co-signer on my business credit card. I told her the voice was my boyfriend and the news on the television. She insisted that I provide her with my boyfriend 's phone number or she could not continue the call. I explained to her that he is not on any of my accounts and had nothing to do with my business card or anything else. I asked to speak to her supervisor. I was on hold for several minutes and the rep said the supervisor was busy. She came back on trying to encourage me to call during business hours. I said I would hold. She asked again for my boyfriend 's phone number and I refused to give it to her. I said I would hold for a supervisor. She eventually terminated the call. 
The problem began in XXXX of XXXX  and today 's date is XX/XX/XXXX  for the most recent problem. BMO should have records of all of my phone calls and problems associated with this credit card.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023 I received a text message from what I thought was Chase Security asking if I recognized a transaction attempt on my account : respond Yes or No. I replied No and a text message came back, expect a call from Chase Security. I immediately received a call from someone identifying himself as being from Chase Security and asking if I was XXXX XXXX. He then said he would send me a code via text to verify that I was the account holder. I immediately received a text message from Chase with a numeric code which I read to him to identify myself. He did this XXXX times, over a period of XXXX minutes each time saying that he was working on resolving a problem with someone trying to use a new XXXX to access my account and asking me to hold. After a few minutes, I became suspicious and hung up and called the Chase XXXX number to see what was going on, at which time I was told that someone had initiated a wire transfer in the amount of {$11000.00} to a Chase Account in New York. I filed a report within the hour, called the local sheriff and filed a fraud report, then filed a report with the FBI and went to the bank branch the next morning and filed a second report. Each time I talked to Chase Bank, I went through the same process of being sent a security code by text to verify that I was the account holder. 
I have been told by Chase Bank that they are not responsible for my {$11000.00} lose because I provided the scammer with a security code to transfer funds. But I thought I was providing the code to Chase Security as is their process, not giving a code to have funds transferred. I have had that checking account for 45 years and never had on issue with the bank. I've never wire transferred funds to an unknown individual before and always been in good standing with Chase Bank. 
I believe that the bank is liable for the loss of my funds under Regulation E of the Unauthorized EFT Law. Regulation E Section 1005.6 ( B ) and EFT.12 CFR 1005.2 ( M ).
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

When I moved to Florida a year ago I opened an account with Truist Bank for myself and my daughter. The account was set up that they would withdraw XXXX dollars from my account and into her account every other week when I am paid. 

My daughter transferred money from her account to mine, Truist sent it twice making her account negative. We didn't notice and the Bank never sent us notice about. The Bank left her account negative and then closed it without communication yet again and withdrew the negative balance from my personal account making it negative. They never stopped the transfer of the XXXX dollars afterwards either. 

So XXXX dollars was taken from me while this account was closed without notice. When I went to the Bank to resolve this on the XXXX of this month the XXXX dollars was still visible on my app showing it was there. I have screen shots. 

The bank specialist I sat down with had to call for permission to give me my money back. Was told NO and then I was told they can investigate the issue but I was going to have to PAY for them to print out the paperwork for this. 

So the bank wants me to PAY for a investigation for misappropriation of MY money that THEY did with zero communications into THEIR negative practices with the money and trust I gave them when I signed up. 

I probably wouldn't have been has mad had I not logged into the app TODAY and saw that the XXXX dollars now is mysteriously missing on the app now. I guess they didn't realize that you can take screen shots of the app. 

This was only XXXX dollars but to a single mom with a dependent that's a weeks worth of food that is ripped from us. The Bank should know better then to do this to low income families who trusted them to protect their money.
Consumer complaint received 2023-12-14
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (NJ)

# 1 the Biggest issue is I just finished a bankruptcy for 5 years to keep my house. I have paid my mortgage payments over {$110000.00} for the last 5 years. I have paid my bankruptcy court. When the bankruptcy was over their attorney sent a letter stating I was behind since XX/XX/23 and owed {$14000.00} more then what I have on all my mortgage statement. They never put it in my plan and never showed me on my statements that I owed this money or I would have made sure it was paid. Now they will force me into another bankruptcy when discharged any day now because they will try and foreclose on my house. They were very sneaky and I think Unethical in how they handled my mortgage. Never could get info because in a bankruptcy. Couldn't pay on line made you call in. It was a fiasco from the very beginning its been very difficult I have many letters. 

# 2 - They are not showing my last payment of {$3600.00} on XX/XX/2023 and they still haven't put it so I can understand it on my bank statement? It doesn't show I paid {$3600.00} and in the past when I made a big payment it would show up as I paid it on that day? 
Also, they send out my bank statements sometimes the beginning of the month sometimes the middle to end of the month and it is always a guessing game if they will show what I paid and when and what charges they are putting on my account. 

# 3 If I called for help they would tell me to contact their attorney which I am sure cost money.
Consumer complaint received 2023-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (OH)

I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE law to file this dispute. I also understand that knowing and willful MISSTATEMENTS or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 
1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods services or money, and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2018-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (KY)

I called to find out why I have not received my new card after expiration date. 

I was told my account was closed for 12 consecutive months of inactivity. 

I told them I just charged a total of {$970.00} for the months of XXXX and XXXX and the card is now paid off. 

Card I have was valid through XX/XX/2018. 

They said it is an auto generated account closing process and they will do nothing other than tell me to re-apply.
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (IA)

Please read in its entirety. 
Complaint Submitted on XXXX/XXXX/XXXX Case number : XXXX I have contacted Freedom Mortgage XXXX on 4 separate occasions to remove my PMI insurance since we own more than 20 % of our home. I have submitted a written request to Freedom Mortgage to remove it. They then requested an appraisal, which I also submitted. However, since I did not use one of their vendors for the appraisal they denied my request. They are now contacting me to try and barrow me more money because they have an " updated '' value of our home. All I want is my PMI removed. The customer service has been terrible. 

Freedom Mortgage 's response on XXXX/XXXX/XXXX : We are in receipt of your complaint and are happy to respond to your concerns. I have reviewed your complaint and researched the issue regarding your request from PMI removal. 

You requested PMI removal and submitted your own appraisal and asked if that appraisal was would be acceptable. We responded with letters to you on XXXX and XXXX specifically stating that an appraisal was required from our vendor. I have attached the letters for your review. Once again, we can not accept the appraisal you have submitted. The appraisal must be from an independent. This is an investor guideline which we can not change. 

I have also attached a PMI disclosure that you signed at closing. PMI is scheduled to automatically terminate after you have made the XXXX/XXXX/XXXX payment assuming your payments are current. Given the estimated cost of a new appraisal at {$450.00} compared to the 4 remaining PMI payments at {$26.00} per month, it appears that it would be more cost effective to wait for automatic termination after the XXXX/XXXX/XXXX payment has been made. However please feel free to contact our appraisal vendor for a price quote so that you may make an informed decision. 

If you have any further questions or concerns, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Customer Service Freedom Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX response on XXXX/XXXX/XXXX : We did receive the letters that were attached in this case, however, they did NOT state that we were REQUIRED to use an independent vendor ( please read the letter ). Also, we never received any document that our appraisal was not acceptable. I know Freedom Mortgage has access to our latest home value because they have contacted me to barrow me more money. How come the " updated '' value of our home from our " non-independent appraiser '' is " good enough '' to contact me to try and lend me more money but not " good enough '' to remove the PMI. All that was stated in the PMI contract that we signed on XXXX/XXXX/XXXX was in order to cancel the PMI an updated appraisal would be needed. I have attached all the documents related to this dispute.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

All 3 credit reporting agencies Equifax, XXXX and XXXX have a lot of incorrect information on my report. 


" NON MAILABLE ADDRESSES " In violation of : 15 cfr 1681 Privacy Act of 1974 Inquires, HARD and SOFT, I have no accounts with them a violation of : 15 usc 6801 - 6805 15 cfr 1681 Privacy Act of 1974 As a federally protected consumer. I want these items removed or extend credit to me in a timely matter in 21 days. Further action will be pursued if necessary, Please contact me for the Non Mailable Addresses
Consumer complaint received 2023-12-14
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: EQUIFAX, INC. (WI)

The inquiries occurred throughout the year. The only items listed correctly is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Any other inquiries were not done by me.
Consumer complaint received 2023-12-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: UPSTATE PREMIER MORTGAGE, INC (NY)

We have been working with Upstate Premier Mortgage for over a year and the broker, XXXX XXXX has promised closing daily until XXXX XXXX was hacked and delayed the closing because their system was shut down. I believe XXXX XXXX and his company have been involved in fraudulent activity. My personal checking account was also hacked and our credit has suffered immensely.
Consumer complaint received 2023-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

Previously XX/XX/2023 conversation paypal and XXXX  from paypal. I'm upset of current decision. I understand the transaction was processed correctly from xoom, but I have not received any communication from the seller. 

This lack of response is terrifying, and I feel uneasy about the transaction. I am requesting a refund to address these uncertainties and ensure a satisfactory resolution. In the future, I will be more aware of potential risks. I apologize for any inconvenience caused and appreciate your guidance moving forward. We are asking refund {$3000.00} in check whatever. I can not have more risk at all my PayPal account. The user who caused me scamed to me is XXXX XXXX. This is very important to me for XXXX of safety. 

Issue : Will not issue me refund. Paypal or XXXX  from paypal is not doing their job protect safety. 

Respectfully, Consumer user XXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have read that under the FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: DApps Platform, Inc. (PA)

My Trust Wallet Mobile App containing XXXX XXXX disappeared from my tablet and is not available in any app store or on the web. 
I believe they were absorbed by XXXX but unable to find an email address to contact them for resolution and payment of my XXXX XXXX 
I was not notified that this wallet was going to disappear or changed names or company. 
So I was unable to transfer my money out before trust wallet was deleted. 
this is the seconf complaint i have with this company.
Consumer complaint received 2023-10-20
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 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 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 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 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