davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

Summary of My Experience with XXXX XXXX and Chase Bank : In XXXX XXXX I purchased a XXXX XXXX from XXXX XXXX, but I never received the product. After a long and exhausting process with their customer service, I finally received a refund. However, a month later, XXXX XXXX charged me again for the exact same amount. When I disputed this charge with my bank, Chase, they denied my claim, stating that it was an authorized charge from my original purchase. 

I am at a loss for where to turn for help. I never made another purchase from XXXX XXXX, yet I was charged again for the same amount after receiving a refund. This has caused my bank account to overdraft, leading to severe financial strain. 

Details : On XX/XX/scrub>XXXX XXXX XXXX I purchased a XXXX XXXX from XXXX XXXX for {$4300.00}. The transaction was successful, and I received a tracking number ( XXXX ), with the package scheduled for delivery on XX/XX/scrub>XXXX XXXX XXXX However, the package was severely damaged during shipping and returned to the sender before it reached me. 

I contacted XXXX XXXX multiple times about this issue, but they repeatedly told me I would be notified via email, with no resolution for over a week. Frustrated, I contacted my bank, Chase, for assistance, fearing I would not receive a refund due to the lack of communication from XXXX XXXX. 

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX confirmed that the product had been returned to their warehouse and processed a refund. However, on XX/XX/scrub>XXXX XXXX XXXX I was shocked to see another charge of {$4300.00} from XXXX XXXX exact amount of my original purchase. Believing this to be fraud, I reported it to Chase as an unauthorized transaction. 

To my disbelief, Chase denied the claim, stating that the charge was authorized, referencing my original XX/XX/XXXX purchase. When I checked the amount, I realized it was identical to the charge for which I had already been refunded. I immediately reached out to both Chase and XXXX XXXX, explaining the situation. Unfortunately, Chase upheld their denial of my claim, and XXXX XXXX pointed me back to the bank. 

Now, I am stuck in a loop, with both parties refusing to take responsibility, leaving me with a severe financial burden. I urgently need assistance from XXXX XXXX, as this situation feels like a case of financial fraud.
Consumer complaint received 2021-01-16
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

The following and attached is further proof of Capital One card theft and abuse. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs theft / credit card abuse report against XXXX XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in my sheriffs report and listed as XXXX Top XXXX Most Wanted for another related incident. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX XXXX Mississippi. See attached reports. When researching, I found much more including civil lawsuits. This XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XX/XX/XXXX. She stole XXXX Card, 2 Capital One Cards ending XXXX & XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. My office was then completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX. XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife or impersonation. The fraudulent Capital One payments that bounced were not due to my bank institution. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. Why was the theft and fraud denied until XXXX when cards were already charged off? My credit report information reflecting Capital One is not mine.
Consumer complaint received 2021-01-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current (PA)

Opened current bank account for first stimulus check. Changed phone numbers and the only way to get into account is with number I no longer have. I am unable to get into my account sent them prove the money was deposited in that account. Someone emailed me asking for all my info so they can open account that was weeks ago and they are not responding to my emails. They are holding my money. Please help me I have all the proof its my account. I have an email from current that says the money was deposited. 


Thank you so much
Consumer complaint received 2020-12-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

Received a notice in the mail for a massive debt. The debt said I owed USAA the company a debt of over {$20000.00}. I have never had USAA as a company, nor am I aware of any debt I have ever had for any reason with such a high amount, and the date the said XX/XX/XXXX doesn't ring a bell at all. So I responded to the debt letter with a request for verification, I did this through the USPS with certified mail with signature required so I know they received the letter as I only had 30 days to reply. The letter they sent said it was mailed XX/XX/XXXX, although I did not receive the letter until the XXXX of XXXX, so this left just a short amount of time to reply. Around XX/XX/XXXX I received my letter back saying it was refused, despite 3 attempts to deliver. I can only assume they do this on purpose to make sure no one can ask for validity within that first 30 days. I have my letter, proof they attempted to deliver the letter and proof they refused it. I couldn't send another letter and make it there within that first 30 days. The company name is XXXX, XXXX. The address I sent it to is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, IL XXXX The actual amount of this is supposed debt is {$20.00}, XXXX. I have included a copy of that letter on the upload area without signature since I printed it and signed then sent it.
Consumer complaint received 2022-09-18
Product: Credit card or prepaid 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 (PA)

I have an American Express card, setup with Online Banking. Online Banking contains information associated with XXXX of my checking accounts housed at XXXX separate banks although the account is setup for auto-debit for the monthly balance in full payments. 
AmEx has a product call Send & Split with XXXX. I do not know exactly how this product works nor have I ever set it up for my card. 
This complaint is unusual because it doesn't have to do with a charge to the credit card but with payments to the credit card. Also concerning is the lack of consumer protection when it comes to fraudulent online access. 
On XX/XX/XXXX I recvd a call from AmEx XXXX XXXX XXXX questioning an attempt to send {$2000.00} to XXXX. I advised them I had not authorized nor had I initiated this. Determining it was fraudulent, AmEx shutdown my credit card, requested a new card, and sent me a temporary password in order for me to reset my online password. Prior to the {$2000.00} transfer attempt, there were XXXX payments to the AmEx card initiated via XXXX Banking. {$4000.00} from my XXXX Bank account and {$4300.00} from my XXXX account. This would have eliminated my AmEx balance but it also caused my checking accounts to become overdrawn. On this same phone call I was transferred to customer service in order to discuss the return of the {$8300.00} to my checking accounts. I was advised by AmEx customer service that until I receive my new card and give them the XXXX digit code on the back, this could not be done. The card is not due to be received until XX/XX/XXXX... XXXX days from the day of the phone call!! 
On XX/XX/XXXX I received an email from AmEx that my Online access was suspended due to excessive unsuccessful attempts. I phoned AmEx and was directed to the ID protection team. I was disconnected. I phoned back XXXX more times. After the XXXX attempt I successfully discussed the issue. The representative stated they could not review my online account activity until I receive my replacement card and give him the XXXX digits on the back! We discussed how my online account could be breached. He stated when someone has all the card info they can access the AmEx website, get the User ID and then reset the password. I'm shocked! No additional authentification measures? 
So here I sit, embarrassed with overdrawn checking accounts, no ability to access cash via ATM, and absolutely no attempt on AmEx 's part to resolve the issue. AmEx essentially stole money from me.
Consumer complaint received 2022-05-30
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: Experian Information Solutions Inc. (NY)

I've contacted XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XX/XX/21 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile XXXX XXXX
Consumer complaint received 2021-06-23
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: TOYOTA MOTOR CREDIT CORPORATION (FL)

I have these accounts that does not belong to me and i want them to be remove from my credit report asap. 

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

2. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-12-04
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: Experian Information Solutions Inc. (TX)

I have inquiries on all 3 major credit bureaus that I did not authorize over the last 18 months and as I have tried to work with the 3 agencies to remove them, they tell me I have to reach out to the creditor and have them provide documentation to me about the inquiries and how they need to be removed. These creditors have told me that I need to contact the bureaus and have them removed. The 3 bureaus tell me that I need to call the creditors to send me documentation saying that they will remove them or that the bureaus need to remove them. Which is it? Each party say i need to contact the other side! This is XXXX XXXX! I am trying to buy a home in XXXX and these hard inquiries are killing me right now. Please help!! 

Experian : 1. XXXX XXXX - Inquiry on XX/XX/XXXX - Not authorized 2. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized 3. XXXX XXXX XXXX   - Inquiry on XX/XX/XXXX - Not Authorized 4. XXXX XXXX XXXX - Inquiry on XXXX XXXX, XXXX - Not Authorized 5. Certified Credit Reporting - Inquiries on XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX - Not Authorized 6. XXXX XXXX XXXX  - Inquiry on XXXX XXXX, XXXX - Not Authorized 7. XXXX XXXX XXXX - Inquiry on XXXX XXXX, XXXX - Not Authorized XXXX  : All NOT AUTHORIZED!! 
1. XXXX XXXX - Inquiry date : XX/XX/XXXX 2. XXXX XXXX - Inquiry date : XX/XX/XXXX 3. XXXX XXXX  - Inquiry date : XX/XX/XXXX 4. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 5. XXXX  XXXX - Inquiry date : XX/XX/XXXX 6. XXXX XXXX - Inquiry date : XX/XX/XXXX 7. XXXX - Inquiry date : XX/XX/XXXX 8. XXXX - Inquiry date : XX/XX/XXXX 9. XXXX XXXX - Inquiry date : XX/XX/XXXX 10. XXXX - Inquiry date : XX/XX/XXXX 11. XXXX - Inquiry date : XX/XX/XXXX 12. XXXX XXXX - Inquiry date : XX/XX/XXXX 13. XXXX - Inquiry date : XX/XX/XXXX 14. XXXX - Inquiry date : XX/XX/XXXX 15. XXXX XXXX - Inquiry date : XX/XX/XXXX 16. XXXX - Inquiry date : XX/XX/XXXX 17. XXXX - Inquiry date : XX/XX/XXXX 18. XXXX XXXX - Inquiry date : XX/XX/XXXX 19. XXXX XXXX - Inquiry date : XX/XX/XXXX 20. XXXX - Inquiry date : XX/XX/XXXX 21. XXXX XXXX - Inquiry date : XX/XX/XXXX 22. XXXX - Inquiry date : XX/XX/XXXX XXXX : All Not Authorized 1. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 3. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 4. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 5. XXXX - XXXX - Inquiry date : XX/XX/XXXX 6. XXXX XXXX  - Inquiry date : XX/XX/XXXX 7. XXXX - Inquiry date : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 9. XXXX - Inquiry date : XX/XX/XXXX 10. XXXX XXXX - Inquiry date : XX/XX/XXXX 11. XXXX XXXX - Inquiry date : XX/XX/XXXX 12. XXXX XXXX - Inquiry date : XX/XX/XXXX 13. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX Please help me with this. This is ridiculous and no one on either side seems to want to help. Thank you.
Consumer complaint received 2020-12-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that doesn't belong to me, doing my own research and asking for some help from a friend of mine, he recommended me to to start disputing the inaccurate information, So I did. I started my journey of disputing the accounts that weren't mine On/or about XX/XX/XXXX, as of now, XX/XX/XXXX, I had submitted my documents to the Credit Bureaus several times. On XX/XX/XXXX, I went to filed an Identity Theft Police Report just as the Credit Bureaus requested on their replies. On XX/XX/XXXX, I called XXXX XXXX regarding an account showing on my credit report that doesn't belong to me, I explained that I was a victim of Identity Theft and the account mentioned above wasn't mine, after they reviewed their file, they finally decided to send me a " Declaration of Fraud '' with a case number XXXX. This letter stating that once I filled out the paper they would send it to EXPERIAN so they would removed the account from their file, so I filled out and faxed it over, also sent it by certified mail the next day, I was expecting that the XXXX XXXX XXXX account would be getting removed but the account is still showing on my EXPERIAN report so I decided to take the extra step, to write a complaint thru this CFPB website hopping for good results to come in next time.
Consumer complaint received 2020-12-04
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 — Their investigation did not fix an error on your report
Company: Thaxton Investment Corporation (IL)

Dear Heights Finance Corp, XX/XX/XXXX &XX/XX/XXXX : Thank you for sending me your internal records of the debt ( HEIGHTS FINANCE CORP ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting fromXX/XX/XXXXAND XX/XX/XXXXincluding reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Consumer complaint received 2024-10-22
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (NJ)

I am a victim of unfair debt collection practices. The company Jefferson Capital Systems is knowingly furnishing false and misleading account information in my name to XXXX XXXX, XXXX, XXXX, and others. The company is stating that I owe a debt to them which I do not owe to them. I do not have any association with the company and never entered into any contracts with the company. The company should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. These actions are ruining my credit reputation and are causing damages to my household. I will not tolerate unfair debt collection practices. I am seeking justice and remedy.
Consumer complaint received 2023-01-23
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)

This was previously reported to you under Complaint # XXXX. We received the attached XXXX statement with a $ XXXX balance ( also attached is the XXXX statement with more charges on it ), but according to my records, they still owe me for paying the XXXX bill, in the amount of {$340.00} twice ( once in XXXX, which was FINALLY received by them over a month later, but yet posted as if it went through a clearing house and not by the actual check that I mailed to them, causing me to not be able to get a copy of that check ) and again with the XXXX bill, since, according to them, they didn't receive it, but yet they did - XXXX  days before the due date. According to my calculations, they owe me for the XXXX payment of {$340.00} plus service charges and fees totaling {$30.00} for an additional amount of {$370.00}.
Consumer complaint received 2021-06-23
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a notice from XXXX XXXX XXXX XXXX XXXX which is dated XX/XX/XXXX, this notice is stating it is collecting a 2nd mortgage which was part of the first mortgage that I received on XX/XX/XXXX, from Bank of America. In a letter dated XX/XX/XXXX, I received confirmation of my loan modification for a total of {$390000.00}. In XXXX I borrowed the first mortgage of {$320000.00} recorded on XX/XX/XXXX, as Instrument # XXXX, the second mortgage of {$40000.00} recorded on XX/XX/XXXX, as Instrument # XXXX. Real-Time Resolutions has violated the Rosenthal Act It regulates the conduct of debt collectors. The California statute prohibits numerous deceptive, dishonest, unfair, and unreasonable debt collection practices by debt collectors, and it also regulates the form and content of communications by collectors to debtors and others. They are attempting to collect on a 2nd mortgage which has modified with the first mortgage, In addition, they have violated my rights to notices and monthly billings they are trying to get two bites of the apple. XXXX XXXX  along With XXXX XXXX XXXX failed to provide any legal notification of debt in 7 years which is unlawful for either one of them to pursue a debt.
Consumer complaint received 2023-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I am beyond upset that the SPS and or/ the investor of my loan has completely blown off any assistance in modifying my loan. It's blatantly wrong and unethical for SPS and/or the investor not to try to help work through the unfortunate setback that caused me to fall behind on my mortgage. 

The law firm that is assisting me submitted a complete loss mitigation application for me on XX/XX/2023. On XX/XX/2023, 2 days later, a denial letter was sent out. The letter gave no explanation of why it was denied for a loan modification. It just stated that I was denied due to not meeting investor guidelines. When my law firm asked SPS for the specific investor guidelines, they said they don't have them and don't know what they are which is completely unacceptable. 

It is obvious that the investor and/or SPS had zero intention of reviewing me for options to be able to keep my home. 

I was told by my law firm that when someone is denied for a loan modification or other options, there are reasons that are outlined in the denial letter, which is not the case here. They said there are certain things like too many previous loan modifications, debt to income ratio is too high, etc. None of these are true for me. I have a very large surplus of income now and have zero issues with making my payments going forward. I just need help getting the loan current through a loan modification. There is no reason I should not be approved for this option. 

I need to know all of the guidelines that the investor is using that is preventing me from getting the help that I need to get the loan current. I can afford my mortgage with no issues even if the interest rate were to increase to fair market rate. Thank you.