davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (CA)

I called in XXXX to put a fraud warning and set up additional authentication on my account and requested a new card be sent out. I received this card, THE ONE TIME I was then contacted by the fraud department ( XX/XX/year> ) in regard to verifying purchases, was informed a new card was sent out to a new address from someone who was pretending to be me AFTER calling in and setting up a pin, and phone number to access the account. Following this, I called in to gather information to ensure a new card was not sent out because I specifically requested this as well as closing the account. I was redirected multiple times - in which my pin was never asked for, they asked me what phone number to send an verification code to instead of implementing the one I set up for my security on the account - and was told I would be receiving a letter in the mail to dispute charges. I never received this information, my account was not closed, and I received ANOTHER card in the mail. In addition, I was informed of multiple card numbers that had been sent out since I had originally replaced my ONE card. I told them I had only THE ONE card since I had called in XXXX and clearly any additional charges were due to THEM not verifying all of my security pieces. Once again, I never received anything to fight these charges.
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SERVICEMAC, LLC (WA)

I fell behind on payments and ever since I did, the company locks my account from making online payments. I asked multiple times over the phone why they did this and they always refuse to explain. They just say that because I am working on loss mitigation, I can not make online payments. They refuse to give an actual reason. It seems to be nothing more than an artificial barrier they put up to make it harder for people who are behind on payments to catch up. I do not have reliable phone access so the inability to make online payments is more than a simple inconvenience.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

webster bank XXXX XXXX  {$1000.00} ( XXXX XXXX ) at XX/XX/XXXX to the wrong person name XXXX XXXX telephone number last digit change by bank error and money going to wrong person, i was requested more then six times by phone and lost more then six hours, XXXX XXXX my money in my account but they denied continued, Another fraud is happening by someone name is " XXXX XXXX '' is entered the bank system at XX/XX/XXXX in my XXXX  account, change my phone number and asking {$700.00} in XXXX transfer, this same individual also trying to XXXX  transfer XXXX XXXX dollar in my " XXXX XXXX XXXXXXXX '' account, at XXXX XXXX, but failed, bank emailed me and stop this transfer, i called the bank and idenfied as a fraud case, this fraud individual " XXXX XXXX 'XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

We received medical services from a XXXX  on XX/XX/XXXX. The lab sent a bill for {$30.00} and we promptly paid the bill in full on XX/XX/XXXX. The lab disputed that the bill had been paid. We submitted proof of XXXX payment to their billing service. The next thing we heard was from Credit Collection Services LLC ( CCSUSA ) Financial Services by mail on XX/XX/XXXX that we were in collection for non payment. We called them several times and sent our proof of payment by mail. They continued sending collection notices. We called them today, XX/XX/XXXX, and they told us they had no record of us ever contacting them. We spoke with a supervisor and he told us to send our documents to them again, for the third time. We told him we were filing a complaint against CCSUSA Financial services.
Consumer complaint received 2024-02-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TD BANK US HOLDING COMPANY (CA)

I recently issued a complaint through the CFBP regarding an unauthorized repossession that took place on XX/XX/XXXX. I just received a response back from the alleged lender ( TD AUTO FINANCE ) stating that they in fact had a right to repossess the vehicle because I granted them Security Interest and Power of Attorney when signing the retail installment sale contract. When full payment was tendered to TD AUTO FINANCE on XX/XX/XXXX, there were additional supporting documents. Two documents that were included in that emailing were, a " Rescission of Security Interest '' and " Revocation of Power of Attorney ''. These notice removed TD AUTO FINANCES ' right/authority to repossess, interest in dividend payments, claim in security ( Asset Backed Securities ) proceeds and any other benefits I unknowingly granted when signing the contract. As a consumer I have a right to revoke and rescind my signature when there is a misrepresentation and/or omission of facts. I have attached copies of the two documents listed above that were sent to TD AUTO FINANCE on XX/XX/XXXX.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I saw 2 charges on my account that were fraudulent on XX/XX/XXXX. The 2 charges were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For {$120.00} And XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX For {$81.00} When I noticed these charges, I called the number on the back of my card immediately and they told me the card was already tagged for possible fraud. I went to the bank the next morning and was told the issue will be resolved and I received a new card. Now they reverted the refund and made me pay the money. These charges are fraudulent and I want my money back.
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (CA)

Subject : Complaint Against MRS Bpo , LLC for Unjust Collection Practices and False Threats Dear Consumer Financial Protection Bureau, I trust this letter finds you well. I am submitting a formal complaint against MRS Bpo , LLC, a third-party collection agency located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. The creditor associated with this collection is XXXX XXXX XXXX Bank, and the alleged balance due is {$15000.00}. 

My name is XXXX XXXX, and I am writing to express my deep concern regarding MRS Bpo , LLC 's unjust collection practices. The basis of my complaint is that the debt in question has been identified as fraudulent and removed from my credit report due to identity theft. The removal has been successfully confirmed with both XXXX and XXXX. 

Despite this resolution, MRS Bpo , LLC continues to contact me, making false threats of filing a collection against me if I do not pay the disputed amount. This unwarranted harassment is causing significant distress and affecting my ability to proceed with important financial transactions, including the purchase of a home. 

Enclosed with this letter, please find copies of the supporting documents, including [ list the documents : proof of identity, evidence of charge-off removal from XXXX and XXXX, correspondence with MRS Bpo , LLC. 

I kindly request the Consumer Financial Protection Bureau 's intervention in investigating MRS Bpo , LLC 's unjust collection practices and ensuring they cease their actions immediately. I am committed to resolving this issue, and your support in bringing a fair resolution is highly appreciated. 

Your prompt attention to this complaint is crucial, given the urgency of my situation. Thank you for your commitment to consumer protection, and I look forward to a swift and just resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (MI)

According to the fair credit reporting act 15 1681 section 602 states ( There is a need to insure the consumer 's reporting agencies exercise that gave reasonably with fairness, impartiality, in a respect for the consumer 's right to privacy ) XXXX, XXXX, XXXX which are consumer reporting agencies and they violated my rights as a customer. The CRA is in violation of 15 USC 1666 B timing of payments ( a creditors may not treat a payment on a credit card payment account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.Also 15 USC 1681 ( a ) reporting containing information solely as to transactions or experiences between the consumer and the person making the report ; The CRA 's is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681s-2 ( a ) ( 1 ) states ( a person shall not furnish any information relating to a customer to any customer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, XXXX, XXXX shall maintain reasonable procedures designed to avoid violations of section 1681c and to limit the furnishings of consumer reports to the purposes listed under section 1681B. In conclusion 12 CFR section 1016.7 states that ( a consumer my exercise the right to opt out at any time. ) and I'm exercising my right to opt out.
Consumer complaint received 2024-02-28
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (OR)

I claimed a few weeks of unemployment in XX/XX/2021, was approved, funds were placed on a reliacard then immediately frozen, when I inquired about the reason for this my account was deactivated. Reliacard claims the government agency that allocated the funds, deactivated my account. Unemployment office tells me they have no knowledge of my account being frozen or deactivated. Nor do they have the authorization to do anything to my reliacard account in anyway. They simply contracted us Bank reliacard to distribute funds. Reliacard insists there is nothing they can do. I've called close to if not more than 100 times since 2021 trying to get a straight answer about what I need to do to access my money. I've pleaded with them when I was getting evicted from my house, losing my storage unit with everything I own in it. I was willing to do whatever they needed me to to verify my identity, I've spoken to the unemployment dept. After almost every call made to Us Bank. I've gotten answers as to why my funds are being held or how to obtain them. They did send me an envelope full of Bank statements for every month they've had my money. But it's useless. {$1500.00} isn't an enormous amount of money but had I received it when I applied for it I doubt I'd be homeless right now.
Consumer complaint received 2020-05-11
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: LEXISNEXIS (WA)

LEXIS NEXIS HAS REPORTED INCORRECT ( FASLE ) INFORMATION AND NEGLECT TO CORRECT THE ISSUE. THEY HAVE ALSO REFUSED TO CORRECT MY NAME AS IT WAS USED IN FRAUD IN SEVERAL DIFFERENT STATES. I WAS BORN IN WA STATE UNDER THE NAME XXXX XXXX XXXX. I HAVE A BIRTH CERTIFICATE AND A PASSPORT TO PROVE THIS. I HAVE LIVED IN MY CURRENT ADDRESS SINCE XXXX IN WA STATE OF XXXX XXXX XXXX XXXX XXXX WA XXXX WITH THE PHONE NUMBER OF XXXX. 

DUE TO THE NEGLECT OF ADDING OTHER XXXX XXXX AND XXXX XXXX TO MY REPORT ROM DIFFERENT STATES, THIS HAS CAUSED ME DENIAL OF CREDIT, HIGHER INSURANCE AND TONS OF SCAM PHONE CALLS TO MY ENTIRE FAMILY, SPOUSE AND ME IN WA STATE. LEXIS NEXID NEEDS TO CORRECT ALL ISSUES ASAP AND SEND ME A CORRECTION REPORT. THIS HAS BEEN TWICE KNOW THAT I REQUESTED THIS. THE LAST TIME I DISPUTED INFORMATION AND REQUESTED TO HAVE REMOVE WAS IN XXXX. LEXIS NEXIS KEEPS ADDING ON THE NAME XXXX, AND XXXX FROM DIFFERENT STATES. I WOULD LIKE TO HAVE THIS CORRECTED AND MY LEXIS NEXIS REPORT FROZEN WHEN IT IS COMPLETED ON FIXING ALL THE ISSUES.
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sunnova Energy Corporation (CO)

XXXX XXXX XXXX, a billing company for SunNova Energy call me EVERY month if the check is even 1 day late. Their address is XXXX # XXXX XXXX XXXX XXXX, XXXX Texas, XXXX. I have had checks take longer than anticipated to arrive and they call me and harass me to let them take the payment over the phone. I mail checks to this company as I do not want to pay the additional credit card fees to pay by credit card. My bill printed with a date XX/XX/year> FOR {$8.00} arrived on XX/XX/XXXX, and we wrote a check and mailed it the SAME DAY. On XX/XX/XXXX, because they did not have a check they called me at XXXX. When I told the woman that the check was already mailed she insisted that I needed to pay the 4 day over due amount.
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (MO)

In XXXX I hired consumer legal group to help me settle my debt. 
They sent out cease and desist letters to stop contacting me, and Chase has continued to contact me several times a day and a few times a week. 
I have informed them of my attorneys office, their phone number and all the information they need to stop calling me and I have been told by that company. They will continue to call me that they do not care that I have hired an attorney that this is my debt, and continued to harass me
Consumer complaint received 2024-02-27
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (VA)

In XXXX I tried to dispute this collection the first time but nothing happened. Earlier this year in XXXX I disputed it once again, after I called the company asking to verify how much I owed, I was also going to ask for an invoice of why they claimed I owed so much. However the lady on the phone told me she could not find any information under my name. In fact she told me the company was sold back in XXXX and they didnt keep the old records. So once again I tried disputing it. About a week into the last dispute they raised my debt. But still nothing happened. 
I have also tried talking to XXXX several times and they cant seem to help me either. I have no way to pay this collection or even access it. And in addition to that the dates are wrong. They also keep changing them every time I dispute it. Whenever I create a dispute something changes but I cant access it. It just doesnt even make any sense
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

This company have obtained my personal information from a company without my consent of the consumer in order to sell personal private information. I have disputed this account & the {$1400.00} and have not received any information that has verified accuracy. The reporting status violates this company not sending me a XXXX form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please delete account from your records.

I have no knowledge of this collection account " I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX, XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists ''
Consumer complaint received 2024-02-27
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (TN)

I received a letter in the mail today. It had a supposedly prepaid debit card for {$25.00} from US Bank. I called US Bank. This is not a recognized card number. I believe this is a phishing scam.
Consumer complaint received 2017-11-03
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. (FL)

I checked my credit report and found many fraudulent accounts. I notified the companies and all three credit bureaus and they said to get a police report. I went to the police filed the identity theft report and submitted it to the bureaus and the creditors and the fraudulent accounts ( XXXX XXXX XXXX ) remains on my equifax file. This is not right, I am a victim of identity theft and never authorized these accounts.
Consumer complaint received 2016-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jim Bottin Enterprises, Inc (TX)

My wife, son, and I joined a gym 3 years ago. It was a monthly payment charged to our credit card that we left on file with them. They gym sold to another company. We were never given notice and we never advised of any changes to our contract. We called and were given permission for our military son on XXXX to use our tag and work out. By this time, the 3 members were not using the gym anymore. When our military son returned home 6 months later for XXXX leave, he tried to use the gym. Again, the 3 members were still not using the gym. He was kicked out and told he could not work out there. We decided to quit the gym. To do that, we were informed we had to continue to pay for two months after quitting. Also, the person we talked to did n't cancel our contract that evening. They were just going to keep charging our card monthly. We disputed that and contacted our credit card company to advise them we were challenging this. The credit card company froze our account so it could not be charged until the dispute was resolved. After 30 days, this company still had not responded to our credit card 's inquiry. They will not even answer the complaint. And, a week after disputing the charges with our credit card company, someone with all of our information, tried to add their name to our account. Because of that, the credit card was cancelled and a new one issued. The gym does not have the new one. We have now been threatened if we do not pay for these two months, it will be turned over to a collection agency and our credit will be dinged. We have tried twice to talk to them and they just do not care. We have also received multiple calls from the " financial company '' to 4 different phones even though we requested they only call one number. It is also a recorded message, never a live person. We have now sent a cashier check through registered mail in the amount this company has requested and we have asked that they never contact us again via phone or email. Even after receiving that check and signing for it, we were still called 5 times on the day of the receipt.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/2023, I saw a charge in the amount of {$400.00} from AMEX XXXX XXXX XXXX on my billing statement that I did not authorize. After contacting American Express, they failed to provide an explanation for the charge and failed to provide me with a refund. They told me that they had opened a global complaint about it and that I should wait for a response. However, I did not get a response until now. 
The same issue happened again on XX/XX/XXXX and it was for the amount {$41.00}. I contacted American Express again and was on the line for XXXX minuets with no one able to provide an explanation for the charge. When I searched online, it appears that this issue is wide spread and found that I can file a complaint with CFPB to help me with this.
Consumer complaint received 2024-02-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Future Judgement Solutions (SC)

On XX/XX/XXXX, I received a robo call stating that they had attempted to send me documents and that it was urgent that I get in touch with them immediately. I picked up the call and was immediately connected with a woman who claimed to be from fjs global, a collection agency in Wyoming. This person claimed that I owed a debt to XXXX XXXX credit card company from XXXX ( the statute of limitations is 6 years ) and if I did not satisfy the debt, they would file a lawsuit against me for " maliciously defrauding a financial institution. '' This is not a civil cause of action in my home state, but sounds very close to a criminal law. Of course, private persons do not " sue '' others for violations of criminal law, but I was emotional and did not consider this at the time. Off balance, I provided them with my email address and they sent three documents to me. Each email had a suspicious looking acknowledgment of receipt button that I decided not to click. 

Yesterday, I received the documents for a second time with the statement that I had failed to open them previously. Today, I received a message on my voicemail from someone in California claiming to be with " document delivery services '', asking me to confirm my home address or to contact the original person and gave two phone numbers. 

Since the original person referenced a debt from XXXX, I searched court records and found that two judgments had been entered against me by default on behalf of XXXX XXXX in XXXX and XXXX for small amounts. However, the law in my home state provides such judgments become dormant and unenforceable after 7 years unless they are extended. I further searched court records and found these judgments had not been extended. Therefore this matter was resolved in XXXX and the subsequent judgments expired by XXXX. Any legitimate debt collector would know that the original debt could not be sued on a second time and that the judgments were no longer enforceable. Therefore there is no legal action that they could legitimately take with respect to those debts. 

All the red flags convince me that this is a scam by someone perhaps impersonating a real debt collector or perhaps simply an unscrupulous debt collector engaging in unlawful activity. I was affected by data breaches in XXXX and XXXX and my information has been detected on the dark web, where scammers could have purchased it. 

Although this form does not permit me to upload the emails, I can forward them to the cfpb if needed.