davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cohn, Goldberg & Deutsch,LLC (VA)

I, XXXX XXXX XXXX, did not sign any loan documents after Cancelling loans dated XX/XX/XXXX and XX/XX/XXXX. Did not agree to a 7.1 % ; 40-year adjustable rate, 2nd Mortgage ; and notified the following agencies, law makers and servicers from XX/XX/XXXX of this fraudulent loan : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; FBI ; FTC ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Attorney General ; Governors Office XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 

The XXXX did NOT received the loan they wanted as a Veteran using his Certificate of Eligibility but was presented a fabricated loan documents by only a NOTARY no closing agent, lawyer or loan officer present on XX/XX/XXXX to answer any questions regarding we will have and we did have on XX/XX/XXXX and stop the process and sent the notary home. 

The XXXX on XX/XX/XXXX went to the NOTARY home off XXXX XXXX and went to XXXX to copy the loan documents and returned to the NOTARY home to drop off the documents. XXXX has presented numerous times a copy of the receipt from XXXX in which the Note, Deed, XXXX, Good Faith Estimate and other documents was NEVER signed, but the documents XXXX XXXX XXXXXXXX XXXX foreclosure firms, XXXX XXXX XXXX and XXXX XXXX XXXX has XXXX over the years has the date changed from the XXXX to the XXXX, marked with? on Note, illegally notarized, forged date changes, forged, funding loan on XX/XX/XXXX is illegal the XXXX has proved the reason why I rescinded the loan on XX/XX/XXXX after his wife informed him that the Notary had called on XX/XX/XXXX informing her that XXXX XXXX XXXXXXXX wanted her to change the dates, sign as closing / settlement agent FRAUD and again on XX/XX/XXXX making the loan void.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (CA)

I had an application for Chase Freedom Unlimited card submitted around XX/XX/2024. 
Every time I looked up the status, it would tell me to please wait x number of days while my application is being processed. 
I also sent in a message asking them about my app status and they replied back with generic answers and to wait however many days before trying again. 
I checked a couple times a week and now it is XX/XX/XXXX, and the same automated line that was giving me my application status now automatically led me to speak with a live person. 
They told me my application has now expired due to time. They also said if I had spoken to a person instead of the automated system, they could have told me that my application was declined and worked on the reconsideration, but now it is too late. 
I then asked for the reason why it was declined. 
They told me that my decline reason was that I had more than 5 credit cards opened in the last 2 years, which is a known " rule '' of Chase and is also not true. When I told them that I believe that is not true, they told me that I can reapply and try to see if I get declined for the same reason again.
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

CFPB Complaint Date : XX/XX/year> Fair Debt Collection Practices Act ( FDCPA ) Violation Hello, This letter serves as a formal complaint regarding your violation of the Fair Debt Collection Practices Act ( FDCPA ) in your collection attempts on a reported debt. 
Specific Violations : XXXX. Failure to Provide Validation Information : You have not provided me with the validation information required by 12 CFR 1006.34 ( b ) ( 5 ). This information is crucial for me to assess the debt 's legitimacy.

2. Denial of Dispute Opportunity : You have not provided me with a fair and meaningful opportunity to dispute the debt as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

3. Deceptive and Misleading Practices : Your actions constitute a violation of the FDCPA 's prohibition on using false, misleading, or deceptive means in debt collection activities ( 12 CFR 1006.34 ( d ) and 15 USC 1681-s-2 ( 7 ) ( A ) ).

4. Furnishing Incomplete Information to Credit Reporting Agencies : You placed a collection on my credit report without providing the necessary disclosures required by law, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-s-2 ( 7 ) ( A ).

Request for Action : 1. Cease and Desist all Communication : I am revoking my consent for you to communicate with me through any means, including phone calls, text messages, or emails. All future communication must be made through certified mail.

2. Debt Validation : I demand complete validation of the alleged debt, including : * A copy of the original creditor agreement.

* Proof of assignment of the debt from the original creditor to XXXX XXXX XXXX. 
* An itemized statement of the debt, including dates of service and charges.

3. Proof of Licensure and Bonding : Please provide documentation proving your licensure and bonding to collect debts in my state.

I expect a prompt response to this complaint and a resolution to the violations listed above. If I do not receive a satisfactory response within 30 days, I will be forced to pursue further legal action, including reporting your violations to the Consumer Financial Protection Bureau ( CFPB ), filing a complaint with the Federal Trade Commission ( FTC ), and/or seeking legal counsel. 
Sincerely, XXXX XXXX XXXX Account Name : LVNV FUNDING LLC Account Number : XXXX
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I processed a transaction using my clients card for a substantial job, one that marked a significant milestone for my small concrete delivery business. This client, with whom I have been conducting concrete business transactions for several months, has been a consistent and trusted partner. XXXX successfully processed transactions ranging from {$5000.00} to {$10000.00} over this period. 

On that specific day, I ran his card for a transaction totaling {$20000.00}, representing a substantial and exciting project for my business. However, despite our established transaction history, on XX/XX/XXXX, my business checking account was abruptly closed without any explanation. {$20000.00} in funds related to this specific transaction has been placed on hold for 120 days. 

I would like to highlight that WePay, also known as XXXX, in association with JP Morgan, is responsible for closing my account. The lack of clarity regarding the reasons behind the account closure and the extended hold on funds is causing significant disruption to my small concrete delivery business operations. This had led me to send an Appeal to open my account to Wepay. 

After sending all the requested information via email with a response time that created difficulty for me to stay informed about the ongoing situation, eventually, I received the following message : We appreciate your patience and cooperation while we looked into the details of your account. Unfortunately, we will discontinue processing payments for your business. Any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date of XX/XX/2024. Because of the proprietary nature of our review, we are unable to share more information regarding this decision. 

This situation is impacting my small concrete delivery business negatively, especially considering the importance of the transaction. It is worth noting that I have consistently processed transactions with the same client, using the same card, and all of a sudden, my account has been closed. This closure prevents me from using XXXX, and the hold on my {$20000.00} for 120 days is a severe hindrance for a business of my nature. 

Thank you for your attention to this matter.
Consumer complaint received 2024-03-08
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: TRUIST FINANCIAL CORPORATION (IL)

The following account REGIONAL ACCEPTANCE acct # XXXX was charged off as of XX/XX/2021. Since the the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. This is a direct violation of the consumer Fair Credit Reporting Act. This also falsely manipulates the statue of limitations. This account is approximately 6 years old. Which due to the nature of falsely reporting every month as a late payment or past due this account should be removed from my credit report.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (IL)

On XX/XX/XXXX And XXXX a transaction for {$340.00} was debited from my account and put on hold. I was given no notice as to what this was or when it would clear I contacted them that day and they told me the funds would be released on XX/XX/XXXX and sent me an email, there was not a transaction that went through or was declined. However, my money has been on hold for more than 22 days and they are refusing to give me my money back not having this money has caused me financial harm and kept me from paying bills and accruing overdraft fees over {$170.00}, the bank is branch bank out of Minnesota. The email they sent me on XX/XX/XXXX states that my funds were released. As shown in the screenshot they were not actually released as of yet a months and a day later.
Consumer complaint received 2020-06-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (KS)

A correspondence dated XX/XX/2020 was sent to USBank requesting {$190.00} ( now {$190.00} ) in errant " Monthly Maintenance '' charges be refunded back to my account. I have been fully complaint with the terms which would prevent these fees.
Consumer complaint received 2024-03-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (VA)

I am submitting this complaint against Source Receivable Management, a debt collection agency, for engaging in unfair and potentially unlawful practices. In XXXX, upon reviewing my credit report, I discovered an alleged debt in your records, which I promptly disputed by sending a validation request letter. 

Despite my attempts to verify the legitimacy of the debt, Source Receivable Management has failed to provide sufficient evidence. Furthermore, the company 's actions have raised concerns : Statute of Limitations : The debt in question appears to be beyond the statute of limitations in New York. 
Lack of Documentation : Despite my request, Source Receivable Management has refused to provide a copy of their bond, necessary for verifying their authorization to conduct business in New York. 
Harassing Communication : I have been subjected to numerous daily phone calls from burner numbers, with representatives exhibiting rude behavior and frequently hanging up when I attempt to engage in conversation. 
These practices not only violate the Fair Debt Collection Practices Act ( FDCPA ) but also cause significant distress. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigates this matter and takes appropriate action against Source Receivable Management to ensure compliance with consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Foris DAX, Inc. (NC)

I have a XXXX XXXX XXXX card from Crypto.com The card advertised multiple benefits, including 100 % XXXX rebate each month. 
Initially I received the benefits without fail. However, I recently realized that these XXXX credits have not been applied to my account since XX/XX/2023, so there are 14 missing months of these credits, which are stated to be 100 %. 

I reached out to customer service two weeks ago. I sent screen shots and requested an investigation into the missing credits as well as a request to have the credits applied to my account at the rate that would have been correct for each month. 

Not only have they not applied the credits but they have not responded to the messages at all. 

They state their normal response time is 2 days. 

This morning they replied to my message, acknowledging it had been way more than 2 days, but they DID NOT address the question at all. They basically said, if it's still relevant, to write them back again!!! This is crazymaking. 

I have had a terrible time ALWAYS getting in touch with customer service at crypto.com They have replied to other urgent messages this same way, saying they knew they had taken a long time to reply and to write them again if still relevant. This is truly unacceptable customer service from a company who manages money. 

The attached files show my attempts at conversation, examples of missing XXXX rebate credits ( which used to arrive the XXXX of each month ), and the absurd reply from them asking if my complaint is still relevant and to just get back in touch with them ( which I did, still no reply ).
Consumer complaint received 2020-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Im demanding that the following unauthorized accounts be removed from my credit file. These accounts are an direct result of my identity being lost and compromised. Please remove the following. 

1 ) XXXX XXXX XXXX {$590.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) Dept of EDXXXX XXXXt {$31000.00} 6 ) XXXX XXXX  7 XXXX XXXX 8 XXXX XXXX 9 ) XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I 'm attempting to freeze mine and my wife 's credit reports with Equifax due to their data breach. 

Their web-site to do so does n't work, it errors out and says it ca n't be completed and their phones automatically hang up when I call them. 

I need to freeze our credit reports.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America does not provide the option for credit card holders to pay above the minimum on their credit card balances using the autopay feature. This is an unethical practice because it penalizes members who can not pay their full balance each month and are therefore required to pay more in interest and fees. Bank of America is building wealth off those who are least able to pay their full balance, thereby giving wealthier customers additional privileges. 

I opened a new credit card account last fall and immediately set up autopay. Unbeknownst to me, autopay does not go into effect for two billing cycles, which I learned from a customer service representative today. As a result, a couple of payments were late. Upon realizing that the payment was late, I immediately paid {$1500.00} toward the bill and attempted to increase my minimum payment to a larger amount. Bank of America restricted this option, and I could only select to make the minimum payment. The bank also reduced my credit limit and reported on my credit report. This is all within 6 months of opening the account. 

I spoke to a representative this morning who said that Bank of America turned off the option to make more than the minimum payment. This means that customers who are not able to pay the full balance each month are paying more interest and paying over a longer period of time, which is very unethical. I have several credit cards that I have been using and managing for over a decade and have never had any of these issues. My credit score is in the mid-700s, a testament to my commitment to managing my finances well. It's unbelievable that I have to request to pay more than the minimum on my account to pay off the balance faster, which is in my best interest. Bank of America is using its power and privilege to further marginalize customers and build wealth on those who are financially underprivileged
Consumer complaint received 2024-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I've submitted multiple disputes with Capital One long ago. It was for a couple charges, one for {$1300.00} and one for {$720.00}, along with other disputes. When I called Capital One because I hadn't received an update, they tell me the documents I faxed they needed for the dispute appeal they did not receive. So the disputes department sent me links via email to send to them, which I did. After a few days, I get a letter in the mail for 2 of the disputes saying the timeframe to reverse a charge has expires, and let them know within 60 days next time. There is no next time! I have proof that I faxed it so it's not my fault that Capital One didn't receive it and didn't even tell me! I need the charges reversed now. One of the case numbers is XXXX, and the other is XXXX. I still haven't received any update about the other disputes I made.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (GA)

Per the IRS, a lender ( American Express ) that cancels, discharges or forgives a debt of {$600.00} or more is REQUIRED BY LAW to send a 1099-C to the borrower. As such, the borrower must report the 1099-C as taxable income and this taxable income can no longer be disputed or collected by the lender. Not only has American Express failed to issue me the required 1099-C, they are in violation of my rights under the FCRA 15 USC 1681 by XXXX ) incorrectly reporting a balanced owed on my credit file, XXXX ) reporting income that is taxable to me and XXXX ) violating privacy.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Morning of XX/XX/2024 I entered a transfer to Capital One from XXXX XXXX. I immediately changed my mind and tried to cancel but there is no cancel option anywhere online. I called Capital One and representative said he could not cancel so I spoke to a supervisor who said to cancel by calling XXXX. I called XXXX and was told capital one should have a cancel option and that XXXX did not show any initiation for a transfer and to cancel with capital one. 
I called Capital One again and spoke to supervisor XXXX who said they couldnt cancel and that the money would be available for me on the XXXX of XXXX ( 7 days or 4 business days ).
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Ex wife stole my identity in XXXX and XXXX opening multiple accounts from utilities and store credit cards and general credit cards she used one of my two addresses she had access to and I found out some last year and some year before everything has been filed with FTC and identity theft.GOV who then sent me here capital one is a completely selfish company who can see I have freezes on my credit see I have multiple alerts see I have other cases deleted but refuse to do the right thing!
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Self Financial Inc. (LA)

I am disputing the Self Financial/Lead XXXX account on my credit report as fraudulently opened without my authorization. I have no knowledge of or association with this account. Please investigate this matter immediately and remove this fraudulent account from my credit report. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Purchased a vehicle 5 days later the motor blew up called warranty center they would not honor the warranty called lender and told them they could come pick up said vehicle its been 2 years and I have no idea where this vehicle is when I told the lender to come get it that I was voluntarily giving it back it was at a shop in XXXX XXXX Wisconsin I should not be held responsible for a vehicle I can XXXX XXXX let alone a vehicle I voluntarily gave back considering the warranty center would not honor the warranty and replace the motor lemon laws do apply in Michigan
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-11-14
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. (TN)

This credit bureau is inaccurately reporting payments as late for the months of XXXX, XXXX and XXXX when I made the payments on time, which is the last day of the month when my car note is due to XXXX XXXX. The loan is now paid in full but the inaccurate derogatory marks for the month of XXXX isnt correct.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

A few months ago, some department at Bestbuy credit card deactivated my credit card without telling me any reason. I have been paying off my debts. It can not be because of my credit, so I wont talk about that. What's even more disgusting is that they recorded my past due situation directly in the file of the XXXX XXXX XXXX, causing my credit to drop inexplicably. No one ever told me why I deactivated my credit card, and no one told me that my credit card debt was recorded in the XXXX XXXX. This is ridiculous! I can not accept it.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (IL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.