davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (TX)

Flagstar Bank was my mortgage company. I sold my home XX/XX/XXXX22. I called and provided my forwarding address immediately after closing my account. My escrow account was closed and the payment was sent to my property address I sold instead of the forwarding address I provided. After not receiving the payment I called in to verify the address and provided my forwarding address again. The payment from my escrow was mailed to me and I never received the payment. I called in to once again confirm it was not received and the company stopped the payment on the check and sent out another check to the same address on XX/XX/XXXX. The last representative I spoke with on XXXX advised me to call back today XX/XX/XXXX if I didnt receive the check. I still have not received it so I called in. I spoke with a representative that advised me give the mail a few more days. I then asked to speak with a supervisor. The supervisor in which i did not get her name, advised me that Wednesday would be the day to call back if I had received the check. I asked her what would be the next course of action if I have not gotten the check by then. She advised me they would just put a stop pay on the check and send another. At this point if you are continuing to send a check and Im not receiving it is there any other way that you all are able to send my payment. The supervisor stated there was no other way. At this point it is very frustrating for this company to give me the run around about funds that are due to me. They are not offering any alternative options to receive my payment. They dont seem to care if I ever receive my funds. The supervisor at one point began to talk over me and was very rude to me throughout the entire call. This company has completely disappointed me and I will never do business with them in the future if this is how they treat their customers. I ask that you reach out to this company and help me get some sort of solution because were almost into a new year and this home was paid in full in XXXX. This is ridiculous.
Consumer complaint received 2023-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX responding to an online welcome bonus offered by Chase Credit cards I applied for a Chase XXXXXXXX XXXX XXXX with a welcome bonus of XXXX points if you spent XXXX on purchases in the first 3 months from when your account is approved. Plus an additional XXXX points after you spend XXXX within the first 12 months if opening. My account was approved on XX/XX/XXXX and about 1 week later I received my card to use. I quickly spent over XXXX on the credit card. I received an email shortly afterwards congratulating me on reaching the goal and I would receive XXXX points since I spent XXXX on the account within 3 months. I immediately called Chase and informed them that I should be due XXXX as that I had applied online to receive XXXX offer not XXXX. They said they would Research and get back with me. On XX/XX/XXXX I received a letter stating " We appreciate your interest in our new offer to receive XXXX bonus points. Unfortunately, your account isn't eligible to receive it. Promotional offers are only available for select credit cards and aren't transferable between accounts. '' I called spoke with a supervisor and he said he would research this again. Yesterday XX/XX/XXXX I called and the supervisor said that there was nothing they could do but XXXX was all I would receive. BTW the XXXX offer I applied for was still online as of yesterday. I informed the supervisor I even had a picture of the offer and they should be able to research and see that I clicked on the XXXX offer and I did not even know a XXXX offer was available. This has harmed in 2 ways first I didn't receive to appropriate points for the offer they posted online and second I could have charged XXXX on another airline and in doing so received a free companion ticket on that other airline. Please help. I have been " Bait and switched " Thank you XXXX XXXX.
Consumer complaint received 2017-07-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TENET HEALTHCARE CORPORATION (MO)

I received a letter from   XXXX   XXXX   XXXX   with an ITEMIZED statement from the hospital showing what was done to me. This is my personal information and is a MAJOR LAWSUIT TO VIOLATE HIPPA REGULATIONS.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (FL)

I have requested on to receive debt validation from this company. I requested the original contract signed by me, detailed full payment history and proof that this company is able to collect in my state. I have yet to receive any information and its been well over 30 days
Consumer complaint received 2022-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have had an active Bank of America checking account since XXXX. 

On XX/XX/XXXX, someone was able to go online and froze my checking account. The account is shared with my grandma. My grandmas caretaker is the person who froze my account because In retaliation for reporting her to adult protective services. 

On XX/XX/XXXX, I wrote the bank an email explaining the situation and I scolded them for allowing a person to simply go online to freeze an account. 

I reported the caretaker to the police and to the bank. I closed the checking account Ive had for 14 years and opened a new account with the same bank. 

On XX/XX/XXXX I get a call from the resolution center who is asking me to give them my password and I told them who are you kidding and hung up the phone. I immediately called my bank to tell them that I received a call and they wanted my password. Apparently it was the bank but asking a password goes against everything you are told about scams. 

I work for the XXXX  - The state of XXXX  and they were unable to procees my direct deposit request in time so they issued me a check for {$5300.00}. I made the deposit on XX/XX/XXXX. 

On XX/XX/XXXX I drove to the bank with my XXXX  paycheck, I made the deposit with the teller. The teller did not inform me there would be a hold, in fact the teller said the money will get in the account tomorrow. 

On XX/XX/XXXX, I go to pay my bills and my account has {$150.00} dollars and a memo stating funds will be held until XX/XX/XXXX as the check might be returned. 

On XX/XX/XXXX, I called the bank, they couldnt provide me any information, I drove to the bank and made a call to the bank end, they didnt provide me any useful information and I spoke to the XXXX  XXXX branch manager and she said there was nothing she could do or tell me why my money the same checks Ive received this part year-was being held. Every person I spoke with told me a different story : 1. Its because its a new account 2, its because your check was too much 3. Its actually not us that placed the hold the check looks good its the issuers bank None of them even cared they I had only {$100.00} to last 10 days. So rude.
Consumer complaint received 2017-07-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

As I make payments to principle to pay down my debt more rapidly, Navient raises the interest rates on the private loan to offset the difference in interest they receive. In the past year they have raised my interest rate more than 2 % in direct relation to my principle being lowered by extra payments. I did call them to ask why my interest rate was so high and they did the additional payments as a reason for my rate hikes.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (GA)

No purchase was made : When I tried to purchase one XXXX XXXX supplements I could not make a single purchase, they the credit card co. chase amazon wanted me to sign up for a subscription plan for multiple bottles. I tried several times to order without signing up for a subscription. " on XX/XX/23 afternoon from my computer. ''
Consumer complaint received 2023-07-02
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. (CA)

In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account. 

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation.
Consumer complaint received 2017-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NJ)

LVNV Funding fraudently added a tradeline to my credit report in the amount of XXXX. I have tried to dispute this issue multiple time with the credit bureau because this company has failed to uphold the FCRA Act by not sending me no information, never was given a chance to verify that this was my debt. I did receive information from the original creditor but not from them and if the original creditor sold my debt to this company and I have received nothing in the physical mail from them and do n't even know a account number with this company how are they allowed to effect my credit score in this manner
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

A few days ago, I tried applying for an Amex card. I was denied because one of my loans was in mitigation or deferral. This was due to a COVID deferral. I believe this is unlawfully discriminatory under ECOA on the basis of my having exercised a right under the Consumer Credit Protection Act and under the Unruh Act on the basis of my medical condition.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OH)

Chase Freedom Credit Card application fraudulently submitted XX/XX/2023. I called to cancel the application on XX/XX/2023. Another fraudulent application was submitted for a Chase Freedom Credit Card on XX/XX/2023. I called to cancel that application on XX/XX/2023. Another fraudulent application was submitted immediately after I cancelled that one, so I am calling Chase again as soon as I submit this request.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

Citi Bank XXXX my account was blocked due to fraudulent activity even though I was issuing my card all day in XXXX. I called the fraud department as requested to verify it was me. Note they left me at a restaurant unable to pay my bill. I call them and they ask for answers to security questions which they say are wrong. They ask for the phone number on my account to verify ( which is the only number I have and Im on my Citi app literally looking at the number I have on file ) and they say thats wrong and they cant verify me. They said they would have to send a letter with a verification code to call back once I got it that it would take XXXX business days. I wait 10 days goes by and I havent received the letter so I call and they said there is nothing they can do until I receive the letter. Originally they said they sent it on XXXX but when I called back they changed fact of what they said and said they mailed it on the XXXX that it would arrive by XXXX. I waited till the XXXX and still have no letter so I called they stated theyve exhausted all the verification processes that I have to wait for the letter. Since all this has been going on Ive received multiple letters from them about my account and this letter never shows? Not making since. They have caused me many damages over this. I want access to my money so I can move on from this terrible bank.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (PA)

CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong JEFFERSON CAPITAL SYST this is a written request for you to cease and desist all forms communication with me effective immediately.

12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You JEFFERSON CAPITAL SYST knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUMED TO TAKE ON XXXXXXXX XXXX XXXX XXXXXXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MO)

XXXX Account Type Collection Agency/Attorney Creditor Type -- Account Rating Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXX Amount Owed {$2400.00} Past Due Amount {$0.00} Last Payment {$0.00} Last Payment Date XXXX Original Balance {$0.00} Placed in Collections XX/XX/XXXX Last Verified Date XX/XX/XXXX Paid off Date XXXX Closed Date XXXX Resolution -- Current Status Account information disputed by consumer Action History No Actions Taken JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX XXXX XXXX If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect
Consumer complaint received 2017-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (WA)

After looking at my credit report on   XXXX   XXXX   it shows a debt that I already disputed and had removed from my report. I have never had   XXXX   XXXX   nor do I owe them. I was never contacted by the new collection agency by mail or phone to make me aware they were putting this on my credit report. I do n't know why this is back on my report after being verified that it was a fraudulent account over a year ago.
Consumer complaint received 2024-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TransferWise Ltd (MD)

XXXX weeks ago i open an account on Wise. 
Transfer almost XXXX dollars toy account through bank transfer. 
On XX/XX/XXXX wise Deactivated my account for no reason and didn't accepted my appeal. 
I filled a form to get refund the money in my accotun on XX/XX/XXXX. The suggested that in XXXX to XXXX working day i would get information about the refund or the money. 
It's the fifth working day and no one in wise tell me any information about my deactivate account and my refund. 
Support can't help me, wise doesn't have any other way to get in touch.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Someone opened a credit card with XXXX XXXX XXXX XXXX with a {$20000.00} limit. They used my name, birthdate, and social security number. I contacted XXXX XX/XX/XXXX regarding the fraud, and they have a fraudulent drivers license someone used. The account was opened XX/XX/XXXX. They are in the process of shutting down the account. I made a dispute to the credit bureaus and froze my credit reports. In XX/XX/XXXX, someone also opened a XXXX credit card using my information. I talked to XXXX and they closed the account. Someone added an address and phone number to my XXXX credit report, and I am disputing that. I only learned of this activity through XXXX XXXX. They emailed to inform me of the new cards.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or remove. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Recently, I received a copy of my credit report from Transunion. 
The credit report showed a credit inquiry that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 
Please remove this inquires listed below : XXXX XXXXXXXX Inquiry : XX/XX/2022 I asked Transunion to please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer.

Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately.
Consumer complaint received 2024-02-06
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: EQUIFAX, INC. (IL)

On XX/XX/2024 I sent an investigation request letter to all XXXX Credit Bureaus : XXXX, Equifax, and XXXX to check if the account ending in # XXXX is listed and being reported 100 % correctly on my report. 

The Credit Bureaus stated the account XXXX # XXXX was properly investigated and updated but how is that possible if the date opened is incorrect as well as the date last reported, the date last active and also the date of the last payment. 

According to the FCRA by law I have the rights to challenge anything that isnt correct on my credit profile. 

The law states a consumer reporting agency can not furnish an account without my written instructions. 

I havent given these accounts written permission to furnish these accounts on my credit report.