davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
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: JPMORGAN CHASE & CO. (TX)

On XXXX I filed a dispute for a charge of XXXX from XXXX XXXX which took place on XXXX. In this dispute, I outlined OnXX/XX/XXXX after finding the same item at a much lower price online, I attempted to return the purchase. Despite only having made this purchase a few days prior and the return policy stated on my receipt clearly states a 45-day return policy, my return was denied with no explanation. As an XXXX XXXX member, my return period extends to 45 days from the date of purchase. Therefore, I am disputing this charge as I was within the return policy set by XXXX XXXX. To assist in the dispute investigation I included a copy of the original receipt showing the original purchase, the merchant return policy, as well as the proof of the attempted return and resulting denial denial by the merchant. As outlined by the XXXX merchant dispute conditions Condition 13.7 Cancelled Merchandise/Services, this is a valid dispute as I attempted to return the purchased merchandise in accordance with the return policy provided at the time of sale only to have the merchant refuse the return, violating the terms of sale. 
On XXXX Chase sent a letter stating they refused to chargeback as they sent me a letter to which they claim they did not receive a response to. This is a false statement as not only did I call and resubmit all necessary paperwork, but when initiating the dispute I provided Chase with all relevant documents and information to process this dispute. I contacted Chase many times via phone insisting the dispute be continued as the merchant had failed to produce any information invalidating the dispute. OnXX/XX/XXXX and onXX/XX/XXXX I sent letters in ( proof of submission attached ) reasserting my dispute. Chase further states I did not meet the policy guidelines when I returned the merchandise. This is, in fact, a false statement as it was the merchant who failed to meet the policy guidelines as indicated by the included return refusal receipt. 
I requested a copy of all related documentation for this dispute which I never received. Soon many fronts Chase failed to meet their legal requirements both in investigating this dispute as well as providing documentation as requested.
Consumer complaint received 2019-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX I am XXXX XXXX XXXX XXXX. I currently live at XXXX XXXX XXXX XXXX OH XXXX. 
the following addresses are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mine please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX I am XXXX XXXX XXXX XXXX. I currently live at XXXX XXXX XXXX XXXX OH XXXX. 
the following addresses are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mine please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-01-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

We have received certified mail regarding the status of our loan, According to the letter we are in default and must cure this by the XXXX of XXXX. We have called frequently and communicated our loan difficulties, especially after Disaster Harvey in XX/XX/2017. Our loan is now 5 months behind. This amount will not be cured by XX/XX/XXXX and we would like to know what our options are. We are ONLY interested in keeping our home and are doing what we can to cure this. Unfortunately, this remains a slow process but we are seeking remedies, including local, federal, state and legal assistance. This can not include any financial assistance because I am a federal civilian/military employee and must exercise benefits and rights under this position. We have called only to be told we have already utilized the only option available to us. A modification was already completed and we still await an answer to the tax portions of our loan. In the meantime, we intend to address this default.
Consumer complaint received 2018-11-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (RI)

In early summer 2018 I learned of a foreclosure on my home at XXXX XXXX XXXX XXXX XXXX RI XXXX I contacted both the loan servicer ( Ditech ) and the foreclosing attorney ( XXXX XXXX XXXX ), and was told that it was too late to reinstate the loan, and the auction would proceed as scheduled. 

On XX/XX/2018, the auction was held. The winning bidder was a friend that bid on my behalf, and he placed a {$5000.00} deposit with the auctioneer. 

We attempted to make final payment, complete the auction, and schedule the closing in the weeks following, however on XX/XX/2018, we received a notification from XXXX XXXX XXXX of the following : Hello, I am sorry to inform you but It appears that in light of the new opinion issued by the XXXX  XXXX, the sale held on XX/XX/18 for this loan, will need to be rescinded. Since Rhode Island General Laws Sec. 34-27-3.1 was  previously repealed, no compliant notice was sent prior to foreclosure. We have advised our client of the same and are awaiting instructions regarding return of your deposit. 

Following receipt of this notice, contrary to what XXXX XXXX XXXX told me earlier, we learned we were in fact able to have the loan reinstated. 

We completed that, however we had to pay a number of fees totaling {$3600.00} related to the rescinded auction which was improperly handled by XXXX XXXX XXXX, the foreclosure trustee. We would like the auction fees totaling {$3600.00} removed from the mortgage balance, since the auction was invalid solely through the fault of the foreclosure trustee, not the property owner or the auction winner. 

Following mortgage reinstatement, we attempted to pay off the mortgage per the attached payoff statement from Ditech. A check for {$36000.00} was sent XX/XX/2018 and funds were withdrawn from the issuing account prior to XX/XX/2018, which was before the XX/XX/XXXX deadline mentioned on the payoff notice. To date, these funds have still not been credited to the mortgage account, and during phone calls today Ditech representatives indicated that the check had been returned. This is not correct, a cancelled check copy is attached, and clearly indicates the funds were deposited to Ditech, the check payee. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, RI XXXX
Consumer complaint received 2018-12-18
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. (NC)

XXXX XXXX XXXX in the amount of {$370.00} XX/XX/2018, which I believe to be a fraudulent account is showing up on my credit. I was never informed of this account before it illegally showed up on my credit report.
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (NE)

My payments are being fully applied towards the balance transfer amount on my card, which is at 0 % interest until XXXX of 2019, instead of applying towards my purchases which are at a rate of 24.99 % APR, resulting in more interest being charged than should be.
Consumer complaint received 2018-12-18
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (PA)

I opened up a Loan with Sallie Mae in 2016 for the semester for an estimate of {$5000.00}. I had forgotten to check off the interest only option, which apparently I am obligated to pay 50-100 a  month whilst attending college. I tried to reason with Sallie Mae but with no luck. I have tried to explain that I can only make the payments AFTER I am done with college but refuse to help me and is threatening to put my account in default.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (AZ)

At XXXX the non-profit organization I work for gave XXXX XXXX XXXX to their employees and some volunteers. Eleven of those cards had fraudulent activity. My card that had never been taken out of its cardboard container until XX/XX/XXXX, had only {$1.00} left of the amount of {$150.00}. That {$140.00} was spent at a XXXX in XXXX XXXX, California on XX/XX/2022 at XXXX p.m. The store closes at XXXX p.m. I live in Arizona and was not in California. I called the XXXX gift card number on the back of the card XXXX. The call took almost an hour waiting on line. I spoke to two people. They said they would send paper work to fill out. I received paperwork on XX/XX/2022. It was to be back by XX/XX/2022. I faxed it that day for {$8.00}. On XX/XX/2022 I received a new XXXX gift card with {$1.00} on it. The next morning I started calling at XXXX a.m. I made 4 phone calls to get help. I was told by the 4th person, XXXX that my fax had been received and the fraud team would be looking over my paperwork that I had faxed. They would put the {$140.00} on my card. I was to keep checking to see if it was there which I have been doing. Today I was not able to get in online to the account but was able to call and I still had only {$1.00} on the card. I know the other cardholders whose money was taken and no one has had it resolved yet. One man has not received his paperwork yet and he called in days before me and waited on the phone 1 1/2 hours. There is something really wrong going on with this company. It has to be an inside job. People 's cards were compromised before taking them out of the container they were in. Someone had to know the security code on the back of each card plus the numbers which are concealed even when bought. Please check into this. In just our organization alone a few thousand dollars have been stolen. On the back it says the card is issued by XXXX XXXX XXXX XXXX XXXX XXXX Please help us get our money back.
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MI)

XXXX collection agency sent me a letter received XX/XX/18 in response to a validation of debt letter. The company was unable to validate the debt but stated in the letter they will no longer respond to my requests. There is no attached contract or validating documents to support this debt being mine or that I owe it. I sent a validation request the first week of XXXX and their response is XXXX will now cease further communication with you regarding the account. 

Due to my rights as a consumer being violated this debt needs to cease reporting to the Credit Repair Bureaus all three.
Consumer complaint received 2018-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a  form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-12-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc. (OH)

On XX/XX/18 I made several calls to the bank to close my account and all representatives spoke to refused to close my account without me paying the outstanding {$18.00} XXXX XXXX membership fee first. I stated I did not wish to keep the account open, so close the account, which every representative I spoke to on the phone refused too do.
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I am absolutely APPALLED at the level of customer service I have received when I tried to book a flight home for the holidays using my points. I have spoken with Chase Travel and Chase Customer / Card support personnel ( through level 4 ) and no one was able to help me nor seemed to care of take responsibility. No one seemed to care about the customer nor gave me any options for me to use my points. There was no consistency with their responses. Personnel told me that I would get a call back in four hours, I did not receive one. Another personnel told me I'd get more points to compensate, I did not receive any. Extremely misleading. See personnel information below : 1. XXXX ( Chase Travel ) 2. XXXX ( Chase Travel Supervisor ) - XXXX 3. XXXX  ( Chase Travel Supervisor ) 4. XXXX ( Tier 4 Support ) - XXXX, XXXX 5. XXXX ( Account Supervisor - Chase Card Services ) - refused to give me identification number because of bad service 6. XXXX - refused to give me identification number because lack of accountability 7. XXXX ( Supervisor ) - XXXX  I have been on calls from XX/XX/XXXX each day for 2-3 hours each day. I've been passed on from person to person. It's extremely deceiving and it's absolutely a terrible customer service experience. I've been a member of Chase for years and I have been accumulating points for years with the assumption that I could use them. However, no one was able to help me use them and implied that they are essentially useless. 3 days. 3 DAYS! I've spent at least 6+ hours on the phone with no support. Please go and check the recordings of the calls for proof. I had multiple people on the line at the same time and no one wanted to take accountability. There is no one system of record as no two people understand my complaint number. Just an awful, awful AWFUL experience. This institution should not be allowed to deal with customers as they do not put them first. They make consumers deal with the problem even though it is an internal problem. I had to call back multiple times because I did not receive a call back. Not only do I have a large amount of points that I can't use, I also can't get home for the holidays. I will also be submitting a UDAAP complaint to the FDIC.
Consumer complaint received 2019-01-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Johnson Mark LLC (AZ)

My paycheck is being garnished for a debt that is unknown to me in the amount of {$4400.00} ( this included fees ). I requested information from the Plaintiff attorney, however they did not comply. I was told they could not tell me and I had to pay. Basically they were not very helpful. I received the garnishment papers from my employer on XX/XX/2018. I called the Plaintiff attorney on XX/XX/2018. I attempted to request a hearing, however I did not have the funds to pay to request the hearing.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-01-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2017 I paid off my XXXX XXXX XXXX XXXX XXXX XXXX, license plate XXXX, VIN # XXXX. Chase Auto finance has failed to release the lien after 3 requests. The State of California Department of Motor Vehicle is requesting a certified copy of the lien release in order to issue title and still shows Chase as a lease holder. I have contacted Chase 3 times and provided this information. Each time I was told they would notify DMV electronically and a certified lien release wouldnt be necessary. After 3 failed attempts to DMV, Chase is still the lien holder and will not issue me title with our a certified hard copy of a lien release from Chase.
Consumer complaint received 2019-01-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

To whom it may concern, I established an account with Citi bank via phone call on XX/XX/XXXX. Date being used is listed on statement, and after trying to contact Citi via chat with no success, it is the only available date online. The representative that helped us was aware we were depositing {$15000.00} in order to claim a {$400.00} bonus Citi was running. The rep advised we had 90 days to get funds into the account in order to qualify for the bonus. Under the impression I had 90 days to fund the account, the funds went in to our account XXXX. I followed up with them to confirm our bonus in mid XXXX, and the rep said we did not qualify due to an IRS form not being signed. The rep mentioned sending out this form, and to wait 60 days in order to dispute the claim. We then called back on the XXXX, as advised by Citi rep, and find out we were given bad information at account opening, and stated she saw where the opening rep did not properly inform us. She opened a dispute, which was declined 10 business days letter. Citi has made no attempt to solve this issue, and after being given wrong info twice, they refuse to take ownership of this issue. My XXXX ha snow been with Citi for 120 days.
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I was given my first bill on XX/XX/18. I enrolled in automatic recurring payments on XX/XX/18 so that I wouldn't be late. Then on XX/XX/18 I was considered late for my bill and charged a {$25.00} fee. I contacted and they said you have to be enrolled before the bill is posted for it to count. I was not notified I was late until XX/XX/18 by email.