davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

Suntrust has closed my account for no reason without any warning. They claim that they needed to verify where the funds came from so I sent them copies of my bank statements from my XXXX  account and money order receipts, they said that still wasnt enough. Every time I call I get a different answer as to whats going on I even spoke to an employee named XXXX and she told me that a check in the amount of {$6100.00} which was the remaining balance on my account only to find out later on that that was not true only fans I have received out of the {$6900.00} was a check for {$720.00} that was my last paycheck deposited in another check for {$.00} that was in one of my savings accountsEvery time I call I get a different answer as to whats going on I even spoke to an employee named XXXX and she told me that a check in the amount of {$6100.00} which was the remaining balance on my account only to find out later on that that was not true only funds I have received out of the {$6900.00} was a check for {$720.00} that was my last paycheck deposited in another check for {$.00} that was in one of my savings accounts. I have been battling this for three months I lost my job due to Covid and am on the verge of loosing my home due to my funds being held up.
Consumer complaint received 2020-11-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (CA)

8 Inquiry dates are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After more than 1000 days, I want answers. I want to know why Transunion and XXXX  forward complaints to XXXX XXXX who ignores and then merely labels the complaints as duplicates. I want to know why the attached incomplete undated application was processed to access my credit when the application clearly states at top that incomplete applications will not be processed. This led to a forged and fraudulent loan in my name. 
I want to know why XXXX XXXX, XXXX, and Transunion believes an incomplete application that was not to be processed should be considered as permissible permission per FCRA requirements? I want to know why I have been denied for 4 years to receive a copy of the credit report that was pulled on XX/XX/2017XXXX  I want answers. I do not want Transunion and XXXX  to pass the buck by sending this complaint to XXXX XXXX and sending me a form reply. And I do not want XXXX XXXX to merely label this complaint as a duplicate. I want answers.
Consumer complaint received 2021-08-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Commerce Home Mortgage, Inc (CA)

Initially got a loan with Commerce Home Mortgage in XXXX. In XXXX Commerce Home Mortgage approached me with a proposal to resign the contract and change the terms and in return they will pay a one month payment for me. 
I did!! XXXX Commerce Home Mortgage sold my loan to XXXX and told me that there wont be any changes to the terms and payment amount. 

XXXX after they gave me a 3 months deferred option due to pandemic, they raised my payment from {$3400.00} to {$3700.00} when I asked them, XXXX told me that at the time of transferring from Commerce Home Mortgage, my escrow account was negative and I need to talk to Commerce. I have to add that during the 3 months that they deferred my payment I kept paying {$870.00} for my escrow account. I contacted Commerce and they sent me a letter telling me that when Commerce Home Mortgage asked me to resign the loan, they made a mistake and they apologized. Even though they didn't put the reason for the mistake in writing, when I actually talked to the loan officer who initially helped me, he told me that they offered you one month payment free but in fact THEY TOOK THAT PAYMENT OUT OF

YOUR ESCROW ACCOUNT!! Through the original loan officer I got in touch with Commerce regional manager and
explained everything to him and he promised that he is going to fix this problem and get back to me and I have been waiting for him to call me back for almost a year now. 

I don't know how but i XXXX after so many phone calls back and forth without any explanation my payment went down again with less than {$100.00} increase. In XXXX of XXXX, XXXX raised my payment again to {$3700.00} and all over again claims that my escrow account is negative. 
I am a head teller at a bank and my family are helping me to make this payment and might lose my home because I really don't know where to get {$300.00} more and can not afford anymore than what I am paying now. 
I am paying 6 % interest only and it is not enough for them and they want more. 
Please please help me. I have never been late or paid less than my payment. 
Please help me.
Consumer complaint received 2020-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (AE)

I've been having trouble with Chase Bank, with whom I have had investment and several credit cards with a complete and lengthy history of full and ontime payments. I am active military XXXX overseas. I'm reaching out to CFPB due to continued problems trying to apply for a product, getting correct and timely information relating to the application process as it pertains to my exact concern. 

In XXXX, I cancelled my Chase Sapphire Reserve Card and was told by a Chase representative that I could reapply for another as I could request for military benefits to be applied to the new account in spite of the old account not being eligible. After cancelling and reapplying, it was autodeclined as I was subject to a 48 month wait period. I was also told that the system would not process the application further and I would experience no impact from my application to credit history or score.

I called customer service today about confirming my 48 window from receiving my Chase Sapphire Reserve bonus in 2016 being finished to apply again for the Sapphire Reserve. Upon getting in touch with a representative, I was told my attempt in XXXX was too early and that I was eligible in XXXX of this year to apply for the CSR. 

I then applied today and was autodeclined. After calling the reconsideration line, I was told that I hadn't passed the 48 month mark yet. The rep couldn't confirm whether the application would cause any effect to my credit history or score but that credit wasn't pulled. This rep said I would be clear to reapply after XXXX or on XXXX at the first opportunity. 

I then called the reconsideration line again to confirm this information. This rep said since credit wasn't pulled and was identified by the system as not meeting the 48 month requirement, no impact would occur and nothing further would proceed. I then asked when the 48 month window would be satisfied and I would be clear to apply. The rep had the worst attitude I've encountered in some time, snapped " excuse me, I'm talking '' when I was trying to ask her a question from an overseas line, and refused to inform me when the 48 month window would end. I then told her she was being rude and she refused to do anything about it let alone consider how her actions came off.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I am filing a complaint with the New York State Attorney General and speaking to a lawyer because Comenity Bank system has been down going on three months I along with hundreds of others can not make a payment through their website through easy pay or with customer service however they refuse to take responsibility and instead are reporting me as delinquent to the credit reporting agencies as well as having pulled a hard inquiry without my permission which they stated it was an error and would be removed which it has not. I have attached a video of me clicking on a link from an email sent to me by comenity in order to pay my bill which is a broken link. This has been sent to me numerous times and I have only been able to contact comenity through XXXXXXXX XXXX and have let them known about this
Consumer complaint received 2020-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-07-20
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. (NY)

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$290.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-12-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM WRITING IN REGARDS TO THESE UNAUTHORIZED INQUIRES BEING FURNISHED ON MY CREDIT REPORT WITHOUT MY CONSENT, PURSUTANT 15 USC 1681b
Consumer complaint received 2019-10-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CNG FINANCIAL CORPORATION (MI)

I realized 2 days before my payment was to be drawn from my checking account that I didn't have the funds available so I went to a local store ( XXXX XXXXXXXX XXXX ) for a XXXX XXXX ( reference # XXXX ) to satisfy the debt OWED I Payed the ( XXXX ) owed on the loan an additional fee ( XXXX ) to express the payment for a total of ( XXXX ) and then my checking account was overdrawn due to checking taking out the funds and charged an additional over draft fee of ( XXXX ) but i had already paid through XXXX XX/XX/2019 at XXXX XXXX XXXX, when I called to inquire what happened ( checkngo online ) they said I never called back for a code to assure I made payment ... NO ONE told me that I needed to do so, I went to the local ( Checkngo store ) and they told me nothing can or will be done.
Consumer complaint received 2022-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

On XX/XX/2022 ( 251 days ago at time of this complaint being submitted ) XXXX XXXX XXXX me {$1000.00} for services rendered. A couple weeks later she filed a fraud chargeback on the {$1000.00}. It was investigated for ~180 days and then found in my favor and the {$1000.00} was sent back to me in its entirety by Zelle and XXXX XXXX XXXXXXXX XXXX 

Yesterday, XX/XX/2022, Zelle allowed XXXX to open a second chargeback on that same original transaction from XX/XX/2022. I was on the phone with 6 different people, spanning 3 hours. XXXX from Tennessee @ Zelle said ( on a recorded line ) said that this second chargeback should not have been allowed to be filed, but she couldnt view details. Then she transferred me to XXXX. XXXX with Zelle Fraud and the supervisor XXXX said they were unable to help me and the investigation has to happen. 

Them allowing a second chargeback is in direct violation of their corporate policy outlined here : XXXX XXXX XXXX. To quote them : We can only attempt to dispute a transaction that happened within 120 days. 

XXXX from Texas, another supervisor said the original claim was filed wrong but will not point me to a published article or policy by Zelle which contradicts or supercedes their 120 day policy. They are a multibillion dollar entity who has employees saying different things, supervisors contradicting written policy, and they just keep passing me around to repeat my same story to yet more people. 

I am completely dissatisfied and need this to be resolved, please.
Consumer complaint received 2020-10-15
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (TX)

By debt collection letter dated XX/XX/XXXX and annexed hereto as Exhibit " A '', XXXX XXXX XXXX ( " Debt Collector XXXX  '' ) by and through the latter 's employee / partner ( XXXX XXXX XXXX ) ( "  Debt Collector XXXX '' ), on behalf of PHH Mortgage Corporation ( " Debt Collector PHH '' ), refused to provide me with  the monthly mortgage statement for XX/XX/XXXX by declaring, in relevant part, that : ( 1 ) I was not entitled said statement because I did not sign the note associated with said statement ; and ( 2 ) the statement  for XX/XX/XXXX was provided and is sufficient enough. 

Hence, the foregoing recital of the statements made by Debt Collector PHH by and through Debt Collector XXXX and Debt Collector XXXX within the XX/XX/XXXX communication displays their blatant and willful violation of federal law under 12 CFR 1026.41 et seq. wherein the latter requires that I receive a monthly mortgage statement and the foregoing offenders refuse to provide me with the  statement for XX/XX/XXXX when I signed the security instrument associated with the transaction in dispute as a " co-borrower '' and wife of the late XXXX XXXX who was the sole obligor under a certain note dated XX/XX/XXXX. 

Additionally, as displayed within the foregoing communication from Debt Collector PHH by and through Debt Collector XXXX and Debt Collector XXXX, the latter falsely stated that I defaulted upon the  subject transaction as of XXXX XXXX when, at all relevant times : ( 1 )  said statement contradicts the XX/XX/XXXX date of default declared under penalty of perjury by Debt Collector PHH 's predecessor Litton Loan Servicing LP ( " Litton '' ) to the Superior Court of New Jersey by way of foreclosure debt collection complaint filed on XX/XX/XXXX ( the same day my husband died ) under Docket No. : XXXX ( See Exhibit " B '' ) ; and ( ii ) is both false and deceptive because you are continuing to omit and conceal ten ( 10 ) checks totaling {$15000.00} that were paid to and cashed by XXXX for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit " C '' ), without Debt Collector PHHs predecessor Litton crediting said payments to the subject account. ; and ( 2 ) Debt Collector PHH, Debt  Collector XXXX and Debt Collector XXXX continue to omit and conceal three ( 3 ) checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ( See Exhibit " D '' ) and returned by Debt Collector PHHs predecessor Litton without any legitimate reasons or explanation. 

Additionally, Debt Collector PHH by and through Debt Collector XXXX   and Debt Collector XXXX continue to ignore my response to produce payments made for XX/XX/XXXX through XX/XX/XXXX prior to the falsely declared XX/XX/XXXX date of default set forth within their XX/XX/XXXX communication enclosed hereto as Exhibit " A ''.
Consumer complaint received 2019-03-29
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. (SC)

I was a victim of fraud/theft and they stole {$2000.00} from my debit card, some transactions utilized my Pin and some didnt. I reported the fraud to my Chase Bank branch in person the very next day. Chase refuses to return the funds. I have been waiting for over 20 days and nothing. I am now in the negative on my account by {$740.00}. I have never been treated with less care at a financial institution ; ever.
Consumer complaint received 2022-08-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: EAST WEST BANK (MI)

My account with East West Bank was closed in XXXX. I have XXXX $ remaining balance they said they will mail a check to me. However I have never received it. They claimed they already mailed it but can not provide any proof of shipment. I asked them to mail the check again. They refused to do it. The account was closed in XXXX. Now its XXXX already. I still havent received the XXXX $ from my account
Consumer complaint received 2020-10-15
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 — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA (NJ)

In XXXX my lease on a XXXX XXXX XXXX XXXX was coming to an end in XXXX. I leased a new XXXX XXXX XXXX XXXX from XXXX XXXX  XXXX. Part of the lease agreement was that XXXX XXXX XXXX would pay my last lease payment on the XXXX XXXX XXXX. 

XXXX XXXX XXXX failed to pay off the last payment in a timely manner ( they paid it in XX/XX/XXXX, 6+ months after signing the lease agreement ). This resulted on Hyundai Motor finance reporting me to the credit bureaus. 

I disputed this with Hyundai and was denied ( 5 weeks after sending in the letter ) stating " the disputed information is accurate as reported. '' I called Hyundai and they were unable to provide the information that was reported and refused to provide any further information to me over the phone. They advised XXXX XXXX   XXXX is a third party and is not responsible for the payment. Which means that I was held responsible for paying the final payment even though the dealership agreed to pay it contractually.
Consumer complaint received 2020-11-03
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: TD BANK US HOLDING COMPANY (NY)

Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open, any contract bearing my XXXX signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.