davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

JP Morgan Chase received a deposit of {$300000.00} not included tax fee 's. Thirty days after this deposit XXXX XXXX set up a unauthorized invesment account # XXXX was opened without contact. 
On XX/XX/XXXX {$80000.00} On XX/XX/XXXX {$52000.00} On XX/XX/XXXX {$51000.00} this continued until the savings account # XXXX was EMPTY. 
PLEASE SEE ALL ATTACHMENTS.
Consumer complaint received 2018-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

I opened two wellness accounts with the XXXX XXXX Hospital for my two dogs.

First was opened on XX/XX/XXXX, second on XX/XX/XXXX. Every visit was paid the same day before we left the hospital and on top of those payments the XXXX was collecting monthly charges of {$64.00} every month on first for the first dog and {$42.00} for the second dog on XX/XX/XXXX every month by withdrawing it from my checking account and those funds were later used to pay for some charges for the dog 's treatments and wellness visits. Attached are all the bills and payments showing that everything was paid on time. Unfortunately my dog had to undergo surgery to remove the XXXX  in XX/XX/XXXX. XXXX was paid in full. The outcome was very bad, XXXX XXXX XXXX XXXX was XXXX and XXXX, XXXX  were nXXXX XXXX XXXX together and XXXX XXXX. The vet XXXX XXXX XXXX second time but it did not help and XXXX XXXX   again. I took our dog to the other clinic and was told that it was XXXX XXXX, dog was in very bad condition with XXXX XXXX XXXX and whoever did the XXXX did not do it the right way. We were told that the only thing we could do now was to XXXX the dog. So we did. I called XXXX XXXX  to cancel the membership on XX/XX/XXXX and asked them to stop withdrawal from my checking account but was told that it is impossible since I had to pay club membership for entire year from starting it, dead dog or not, coming for appointment or not. They kept withdrawing funds for the wellness club for BOTH dogs for the next several months until I closed my account due to identity stolen and money stolen from the account. At this point XXXX sold both dogs ' account to IC System and on XX/XX/XXXX they started collection activity that I have on my credit till now. They want {$300.00} for the dog that actually was killed by their veterinarian and {$160.00} for the other dog that was already under other veterinarian care. Like I mention all bills were paid at the time of their visit, and I even received refund for the overpayment for the dog that was later euthanized. My surviving dog had different veterinarian and I was paying her bills at the new place. I was not going to take my other dog to the place that killed my other one.
Consumer complaint received 2021-04-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (FL)

On XX/XX/XXXX I've received a letter from I.C Systems INC. stating that there is a debt collector trying to collect a debt from me in the amount of {$1500.00}. After doing some research to see if there are licensed in my state of Florida. I.C Systems are not licensed in the state of Florida. 

According to the FCCPA If the debt collector is not licensed in the state of Florida, they are violating the FCCPA and in turn violating the FDCPA. Each violation carries a {$1000.00} statutory damages provision for each violation, which in this instance is each call or contact by a non-licensed debt collector. It is recommended at this point to contact an attorney who regularly handles these types of claims against debt collectors. 

I filed a complaint with Florida 's Office of Financial Regulation and with Florida 's attorney general to take legal action.
Consumer complaint received 2018-10-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (MN)

Date : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX XX/XX/2018
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (PA)

DISCOVER SEND ME MY MONTHLY STATEMENT WHICH I NOTICE THAT INTERSET IS JUST AS HIGH AS MY $ XXXX MONTHLY PAYMENT ( {$130.00} INTEREST RATE ) FOR LAST TWO MONTHS THAT I NOTICE LOOKING AT THIS MONTH & LAST MONTH STATEMENT MONTHS BEFORE THAT I WAS JUST PAYING LIKE {$24.00} FOR INTEREST RATE REACH OUT TO ASK THEM WHY JUMP IN INTEREST RATE ONE PERSON TELL ME BECAUSE IM AT MY LIMIT ON CARD WHICH STILL DO NOT SOUND RIGHT AT ALL I TOLD PERSON THIS WAS YESTERDAY CONVERSATION GOT DISCONNECTED SO I REACH OUT TODAY WITH SAME QUESTION AND LETTING PERSON KNOW I HAVE OTHER CARDS WITH SAME RATE XXXX & INTERSET MONTH IS ONLY {$24.00} LIKE IT BEEN WITH DISCOVER UNTIL LAST TWO BILL STATEMENT LETTING THEM KNOW THAT IT IS PREDATOR LENDING AND IT AGAINST LAW THAT I WILL BE REPORT IT ONLY THING XXXX DID WAS SEND OUT RATE WHICH I KNOW IS XXXX LIKE MY OTHERS CREDIT CARDS AND INTEREST DID NOT JUMP UP TO AMOUNT OF MONTHLY PAYMENT
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

We requested and received forbearance of 6 months on our mortgage beginning in XXXX. We were informed that our forbearance would end as of XX/XX/2021. In the interim we sought refinancing through another mortgage company and were informed that they would not consider our application until our mortgage with Mr. Cooper was current. We then contacted Mr. Cooper and requested the amount necessary to bring the account current. We paid that amount ( approximately {$19000.00} XXXX the next day. I specifically asked that we be provided with this information in writing and the representative declined to do so ; indicating that there would be a record of the conversation. We then made the regular mortgage payment that was to be due PRIOR to XX/XX/2021. Since then we have received numerous texts and emails indicating that we are behind in our mortgage. We were informed that we somehow missed two payments ( that would have been due during the forbearance period ) and we are gravely concerned with what may happen to our credit. We have had ongoing problems with this company that have not been addressed.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-06-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Oklahoma Motor Credit Company (OK)

Regarding : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OK XXXX. 

XX/XX/2022 I called to make a one time payment on behalf of a family member for {$240.00}. I specifically, and repeatedly advised their rep to not save my information for future payments, and that is was and one time only authorization. The rep reassured that my information would not be saved. 

XX/XX/2022 Another charge from this company for {$240.00} goes on my credit card. Unauthorized. 

The company has refused to refund my money. They have saved MY payment information to collect debt for a 3rd party without permission. This is fraud and unethical debt collection practices.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Failed to comply with the FCRA provisions regarding blocking accounts that resulted in ID theft. Also refused to acknowledge the FTC report as well as the FTC as being an " enforcement agency ''
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (PA)

After bringing my a/c  balance to XXXX on XX/XX/XXXX, I called Truist on XX/XX/XXXX & asked them to close my a/c. They said it would be closed in 3 - 5 days. I am now finding out on XX/XX/XXXX, they never closed my account when I had asked, and as a result, they must have charged me some kind of {$0.00} balance monthly fee over the last few months - because today I received a collection letter indicating I owe them {$44.00}, including a " {$30.00} charge-off account fee ''. This is utter nonsense and a complete scam!! 

Apparently, they did close the account, but not until XXXX, XXXX, after charging me fees. Since the account is now closed, they've shut of the online access so I can't get online to see the activity, print statements, or see detail of the fees they charged. I was never mailed any statements. 

I called customer service at XXXX & the woman I spoke to said she wasn't able to see my account activity & gave me a different # to call ( XXXX ). In fact, I have now tried 3 different # 's ( including XXXX ) multiple times over the past several days, and every single time, after waiting for a period, they play a message : " all agents are busy, leave a message, and we will call you back within 24 hours ''. I have left 4 messages and no one has called back yet. 

I had a {$0.00} balance, made no attempts to withdraw money after bringing the balance to {$0.00}, and requested the account closed within 1 week after the balance was at {$0.00}. 

THE ACCOUNT SHOULD HAVE BEEN CLOSED WHEN I ORIGINALLY REQUESTED IN XXXX, XXXX, AND I SHOULD NOT HAVE BEEN CHARGED ANY FEES. THIS SITUATION IS EITHER A DELIBERATE ATTEMPT BY THEM TO SCAM ME OUT OF MONEY FOR XXXX SERVICE, OR IS A RESULT OF THEIR TOTAL INCOMPETENCE. EITHER WAY, IT IS WRONG. 

I want the {$44.00} in fees they've charged to be credited back to my account to bring it back to a {$0.00} balance, and they need to cease & desist all collection action immediately. 

Their letter also threatens to " report information about my account to specialty check reporting agencies ''. If they ruin my perfect credit and banking history due to their incompetence and scum-bag business tactics, they will be getting sued for the damages caused. 

In summary : Truist is incompetent and didn't close my account when requested, improperly charged me fees for nothing, sent me a threatening collection notice, possibly has filed an adverse report with " specialty check reporting agencies '' causing me damage, has not answered the phone # 's they've provided for customer assistance, and has wasted a bunch of my time. 

I'm sure I'm not the only one dealing with their incompetence or deliberate attempts to charge people fees for nothing. THEY DESERVE A CLASS ACTION LAWSUIT.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$1500.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The accounts date of last activity was in 2014, well over the time allowed to report a negative item. This account needs to be completely removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting is seriously harming my credit. I have contacted the bureaus multiple times to remove these accounts however, I have not been successful.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

On XX/XX/2018 I disputed a XXXX XXXX XXXX XXXX account on my Equifax credit report. Equifax can back and said " The item was VERIFIED '' on my dispute letter it's states " PROVIDE ME WITH PROOF THAT THIS ITEM IS MINE WRITTEN CONTRACT AND ANY DOCUMENTATION WITH MY SIGNATURE '' .Under the Fair Credit Reporting Act that's my right to received the documents.Equifax Failed to do so they have violated the Fair Credit Reporting Act. HOW CAN YOU VERIFY A ITEM WITH NO WRITTEN CONTACT? HOW ARE EQUIFAX VERIFYING ITEM? WHO VERIFIED THIS ITEM? I want this negative item off my credit report as soon as possible. And remove All non holding account inquiries I have contacted all they companies and they failed to provide me with proof that I authorize inquiries
Consumer complaint received 2019-03-14
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. ()

My name and address are mixed with someone else 's. The other person 's student loan and 2 credit card accounts also show up on my Equifax credit report. 

XXXX XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX High Credit/Credit Limit : {$42000.00} Account Number : XXX ... XXXX Payment Amount : Not Available Association to Account : Individual Balance : {$28000.00} Type of Account : Installment Past Due : {$0.00} Date Opened :XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Status : Too new to rate or opened but not used Date Reported : XX/XX/XXXX Months Reviewed : 55 Payment History : No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History : Comments : Student loan Monthly payments XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX High Credit/Credit Limit : {$400.00} Account Number : XXX ... XXXX Payment Amount : Not Available Association to Account : Individual Balance : {$0.00} Type of Account : Revolving Past Due : {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Status : Paid as agreed and up to date Date Reported : XX/XX/XXXX Months Reviewed : 40 Payment History : No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History : Comments : Monthly payments Amount in h/c column is credit limit XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX High Credit/Credit Limit : {$1000.00} Account Number : XXX ... XXXX Payment Amount : {$10.00} Association to Account : Individual Balance : {$670.00} Type of Account : Revolving Past Due : {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Status : Paid as agreed and up to date Date Reported :XX/XX/XXXX Months Reviewed : 46 Payment History : No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History : Comments : Monthly payments Amount in h/c column is credit limit
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VanKeef Financial LLC (TX)

My wife and I started our home refinance on XX/XX/XXXX with VanKeef Financial. I was told by XXXX XXXX himself the refinance would be 45 days. It is now XX/XX/XXXX and there is no end in sight. The only requirement is for us to pay for another appraisal update due to Texas ' Disaster Declaration which we do not feel comfortable or fair that we have to pay since this should've been done long before XXXXXX/XX/XXXX snowstorm. All documents requested were submitted in a timely manner. We were only getting a response from VanKeef only when I email to ask for an update and each response came back with " We are working on the underwriting approval '' and sometimes no response. Calling them I do not get to speak with my Loan Officer or processor and does not get a call back. We have one primary home and one investment home that's paid off. None of our bills are behind and we have more than sufficient income to cover our expenses. There shouldn't be any reason this hasn't closed. At this point we feel like they are scamming us and just dragging their feet since they can no longer deliver the 2.25 % 15 year interest rate that we locked in at due to the market shift.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL (IL)

I had a Gap card issued through Synchrony Bank. My account was in good standing but closed due to what they called an unfavorable score on my credit report. Prior to the pandemic my accounts were all in good standing and most are still today. This has shown up on my credit report which now further affects what is deemed my creditworthiness for a situation that was completely out of my control and an account that has always been in good standing.
Consumer complaint received 2021-07-02
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: DISCOVER BANK (NY)

I hav this account that does not belong to me and i want it to be remove from my credit report in the 3 agencies asap. 

1. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX  This is not mine.

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-12-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NC)

My Coinbase account was hacked via a sim swap attack around XX/XX/2021. Coinbase allowed a transfer of {$500.00} out of the account without sufficient funds in the account and is now attempting to collect these funds from me. I have proof that Coinbase allowed someone else to change the name, date of birth, and last XXXX of the social security number without confirming my photo ID which was used when first setting up that account.
Consumer complaint received 2022-03-01
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. (CA)

I am taken aback of the situation. I've submitted this complaint 4 times & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & EQUIFAX with an affidavit & FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of XXXX XXXX XXXX XXXX It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again ... Thanks XXXX  XXXX
Consumer complaint received 2021-05-24
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. (GA)

Please immediately REMOVE the following INQUIRIES from my Equifax credit report as requested by XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. Letters attached. Thank you. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (CA)

Today, I paid my credit call bill with XXXX XXXX XXXX XXXX card. I asked them if I could have my interest rate lowered due to me having great credit. They told me they could check to see if that could happen, 1 minute later the rep over the phone told me that it wasnt possible because my 15 % apr rate was the lowest. My APR rate was increased without my knowledge plus my credit line last year. I asked for my credit line to go back to where it was before which happened but not my APR rate. I asked to be transfored to a financial department that makes the decisions on APR rates and was denied. Chase told me they could not handle my requests. I was transfered to XXXX card financial department and they told me they couldnt help me and knew very little about Chase bank and the type of deal they have with Chases card services. They only encourage consumers to use XXXX Rewards for 3 % cash back. I then told them I am filing a complaint with CFPB but referred to you guys as the credit consumer.