davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

This company ( WAKEFIELD & ASSOCIATES ) which I hold No Contract with nor have received services from is

a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring locatio
n information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with
your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX  : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of   XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

I was a valued member of Chase Bank for over ten years. I have excellent credit with a credit score near XXXX. In XXXX, I was out of the country with limited access to internet, and Chase Bank allowed me to spend more than {$1000.00} over my credit limit because I was a " valued member ''. Because I was out of the country, I had no idea, and my monthly interest and " over-the-credit-limit '' fees raised through the roof. It was so high and so out of control by the time I returned home that I repeatedly asked Chase employees if ANY HELPFUL PROGRAMS existed to help pay down the credit card. It was not until I broke down into tears at a Chase branch before someone finally offered me the number to a third party loan-repayment program. This program that I entered shows on my credit report, limiting my opportunities and causing emotional stress, AND it costs me a monthly fee. I have since closed ALL Chase accounts. If Chase bank stopped my card once I reached the LIMIT that I had agreed to and been allowed, this would not be the current situation.
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (ND)

uSBANK PUT A FORECLOSURE ON M, Y CREDIT REPORT FOR THE WRONG DOLLAR AMOUNT WHILE IN LOAN MODIFICATION WICH STOIPPED ME FROM GETTING REFINANCIMNG ]
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MI)

I have been doing business with Coinbase for almost a year, and although I have heard tons of Nightmare stories I never had an issue. That is until now. I requested a bank wire from them to my bank account in the amount of XXXX XXXX/XXXX/XXXX, and this should 've been done the same day, but it did say it could be completed on the XXXX. It is now the XXXX, and I cant get one answer from them. I have called, and after waiting for XXXX XXXX hours for somebody to pick up I was told to ju1st wait, and to stop complaining before she then hung up on me. I have written them on XXXX, XXXX, XXXX, and their site and I have gotten no response. There are hundreds, maybe thousands, of people on XXXX who are posting similar stories. Nobody can even get one response. This is absurd. Not to mention they did a surprise listing by of a new asset called bitcoin cash, and there was massive volume increase for bitcoin cash on all the other exchanges before the surprise listing. Blatent insider trading. They said they are investigating their employees for insider trading, but that 's does n't help us. For a company making as much money as they are, and with as many customers as they have to not have a customer support system is ridiculous. I am hoping this company is n't a large ponzi scheme, but that is how they are acting. Please help us! There are thousands of ppl waiting for bank wires, and thousands in XXXX waiting for XXXX transfers. There were no warnings on their site until days after I requested the money. The first warning said XXXX business day delay, and now it says XXXX business days delay. It is XXXX days later. I will never use this company again, and i strongly recommend others avoid them too. I am begging you for your help. Many ppl have said they have frozen their crypto transfers as well. Something very fishy is going on. Thank you for your time.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC. (CO)

Bank refuses to allow me to withdraw funds. Original request submitted XX/XX/2024. Requested the amount of {$2100.00} be send to me at my home address. Balance in account was, and still is, {$2100.00}. Have submitted four additional requests all for the same amount all getting rejected. Every conversation with customer service goes the same way. We have resubmitted your request. The account has the available funds so it should not be rejected. Then when I call back they explain there is nothing they can do besides resubmit the withdraw request. I have requested escalation of the request as well as the involvement of supervisions in the organization. No one can or will provide me with additional information and insist they have done everything they can to process the request.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-08
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. (NJ)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : The XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX  XXXX  Account Number : XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Consumer complaint received 2020-05-29
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: MRS BPO, LLC (MD)

XXXX XXXX has shared my social security number, credit report and confidential information there in without my consent to MRS Associates who illegally and without my consent have violated my privacy. 

I am requesting MRS associates and XXXX to remove the false reporting from all three credit agencies and off my credit file as they have not responded to my request in 30 days to prove they have accurate information to receive my confidential information to report to all three credit bureaus. 

I have not signed an agreement with MRS and associates to contact me, nor have my confidential information nor report errors to all three credit bureaus. 

Therefore the reporting is illegal and inaccurate information given to all three credit bureaus as well as my right to privacy and protection has been been violated.
Consumer complaint received 2022-11-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (MI)

My father passed away and Ally has not picked up the vehicle. I spoke to XXXX ( not sure on spelling ) in XXXX they had not added the paperwork I had sent to the account so that decisions could be made I was assured that there were no fees added to deceased accounts when the vehicle is turned over and I would receive payout after it sold. I decided on doing that due to being in a different state which made it difficult to sell the rv. It is now XXXX I have had to pay insurance and storage fees every month and they have still not recovered the rv. I have spoken to multiple people as well as had a 3 way call with the storages owner. I received a message again from the storage owner saying that she received a call from someone to pick up on Friday but they do not have the paperwork to pick it up I sent this to Ally and have not heard anything back from them. I then received a letter saying that the account had been transferred to a collection agency. 
It takes hours to get someone on the phone after multiple transfers each time and I get hung up on.
Consumer complaint received 2019-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC (MO)

This company ( National credit Adjusters ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to  collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is  statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 


Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Man with my God Given name ( XXXX XXXX : House of  XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2024-03-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: M&T BANK CORPORATION (NY)

i here by on such day of XX/XX/2024 i got in contact with a mortgage agent on M & T bank for a pre-approval for a mortgage loan and submit my personal infXXXX there for i have gotten denied by XXXX on the credit on XX/XX/20XXXX XXXX there for i would like to summit a complain defending my self with giving the fact that the entire consumer transaction is predicted on my UNLIMITED CREDIT and not a credit transactionXXXX 

TITLE 15 SUBSECTION 1611 false and misleading of my own credit XXXX 

i cant be denied credit due to credit score, credit history, or income... any adverse action is in cosumer credit transactions is ilegal TITLE 15 USC 1691, & 12 CFR1002 XXXX XXXX
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

XXXX  XXXX  XX/XX/XXXX my phone was stolen around XXXX. The perpetrator had access to my digital wallet on my phone including my Chase Debit made several fraudulent charges that include : XXXX XXXX {$100.00} XXXX XXXX {$50.00} XXXX XXXX XXXX XXXXXXXX XXXX Payment to XXXX XXXX XXXX {$2000.00} I called the Chase to let them know my phone was stolen and they made me aware of XXXX XXXX  charges and they flagged it. I call again the same day XX/XX/XXXX to see if there are any other attempts they notify me that XXXX payment was blocked. XX/XX/XXXX I also go into Chase bank in the XXXX location to notify them. Three separations occasions where Chase has been made aware my phone device was stolen and they advised they will lock my account until I call to unlock and I will be reimbursed for everything. 

XX/XX/XXXX I find out that my XXXX payment was never reimbursed. The manager at the fraud said that it was an " authorized '' payment on my device therefore it went through. The manager XXXX said they have no record on file that my phone was stolen despite my calling XXXX separate times and also going into the Chase bank in person. I provided a screenshot from my XXXX XXXX XXXX XXXX that my phone was reported lost the same day of XX/XX/XXXX and the XXXX payment is under review again. I have not been able to pay my rent because of these fraudulent charges. 

XX/XX/XXXX Chase sends me a new letter that my XXXX XXXX payments that were reimbursed will not be deducted from my account because they were " authorized '' charges on a known device that I reported stolen. A police report was also made of the stolen I-phone and fraudulent charges at the XXXXXXXX XXXX prescient.
Consumer complaint received 2022-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (OR)

On XX/XX/2022 I wired the down payment for the purchase of a home to PNC Bank in the amount of {$77000.00}. It was discovered that fraudulent wire instructions sent via email were used on XX/XX/2022 when my husband and I were signing closing documents at the title company, Fidelity XXXX XXXX. That evening I submitted an IC3 Complaint Referral Form to the FBI and was told by the escrow officer on XX/XX/2022 that the FBI had contacted PNC Bank and put a freeze on the account. I also submitted a wire recall claim with the originating bank on XX/XX/2022, XXXX XXXX, and there is an ongoing investigation at this time. I also contacted a live person at PNC Bank but was told that they couldn't give me any information. 
In my conversations with XXXX XXXX, the originating bank, I've been told that all of the requirements to PNC Bank have been met however we still have not received any of the funds back.
Consumer complaint received 2022-09-08
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: LEXISNEXIS (TX)

LexisNexis you are officially ordered to to cease desist any and all consumer information about my self to any one or company that includes XXXX, XXXX, XXXX any consumer reporting agencies I never gave any approval to make my consumer report public. my right to privacy is being violated by you I ask that the CFPB step in on this matter enclosed are USC codes that you are violating
Consumer complaint received 2024-05-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc. (WI)

My bank close my online banking. I gave them a call and they reported that the company I was attempting to get the loan through was Fraudulent. They suggested I report this to the credit bureaus. Coming to the bank and And open another account due to fraudulent activity on my current account And my online banking closed until Everything was transferred. The Fraudulent lender Was Lending Tree. There is an actual Lending company With the name, Lending Tree.
Consumer complaint received 2019-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Braviant Holdings, LLC (MO)

This company ( SunUp Financial LLC ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Man with my XXXX Given name ( XXXX XXXX : House of XXXX ).

1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.