davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (GA)

There was a negative report filled on my credit report. The debt was paid in full to XXXX who notified the collection agency AFNI, Inc. The supervisor from XXXX and I were on a conference call with AFNI collections when it was said since the bill was paid in full that they would delete it from my credit report. But as of today it is still there. I was told by another representative today that it could not be done that it would stay on there for seven ( 7 ) years.
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (OH)

I have reached out via mail to Receivable Management Services on two separate occasions asking them to provide proper validation of this debt. They have responded with the same improper validation to both letters. I am aware that in order to continue to report the debt ( as they are currently doing ), they must be able to verify that it indeed belongs to me. They have not. 
The documents attached are in the following order 1. The first request for debt validation sent by me 2.  The second request for debt validation also sent by me 3. RMS 's response to both the first and second letter
Consumer complaint received 2018-03-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (WI)

This afternoon around XXXX I was discussing a VA home mortgage loan with : Hello, My name is XXXX XXXX XXXX and I am your Account Executive.It is my pleasure assisting you with a potential Mortgage Loan solution! 
Thank you, XXXX XXXX Account Executive MLO NMLS # XXXX Company NMLS # XXXX   Tel : XXXX | Fax : XXXX ===================================================================== XXXX XXXX is a registered dba of NewDay Financial, LLC. 
XXXX CONFIDENTIALITY NOTICE : This e-mail message and any attachments are proprietary and confidential information intended only for the use of the recipient ( s ) named above. If you are not the intended recipient, you may not print, distribute, or copy this message or any attachments. If you have received this communication in error, please notify the sender by return e-mail and delete this message and any attachments from your computer. 
===================================================================== And while she was taking down my personal information the fact came up that in XX/XX/XXXX I had to do a Deed-in-lou with XXXX XXXX when they convinced me i had no choice in the matter. Another mistake. XXXX XXXX informed me that because the deed-in-lou was not outside of a 5 year period that NEW DAY could not service my loan or go forward. I said ok fine. I said forget it and DO NOT PULL MY CREDIT REPORT as i was also working with The XXXX XXXX and i had given them permission to pull my report and i did not want a lot of marks against my credit. It was then that XXXX XXXX said that she had already done so. I got mad and and told her I HAD NOT GIVEN HER PERMISSION TO DO SO and explained the damage that it could do to my already shaky credit. she said that because it was so close to the report that XXXX XXXX pulled, that it would do no harm. I said good by and hung up. 
XXXX sent me a e-mail about a check on my credit as follows : Hello XXXX, we identified a change in your credit report! XXXX XXXX  We will continue to monitor your credit as part of your membership, so rest easy knowing we're always looking out for your credit health. 
New Mortgage Inquiry reported by XXXX A hard inquiry is a request for new credit in your name. 
VIEW YOUR ALERT I am beyond angry.
Consumer complaint received 2018-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service (CA)

The debt collector, XXXX XXXX , XXXX notified me at the end of XX/XX/XXXX that they were going to intiate a wage garnishment on me for failure to pay the debt. They informed me in a letter that I had the right to request a hearing that would be considered before a hearing official. The collector stated that if I requested the hearing within 15 days of receiving the notice that no further action would occur until a decision is made by the hearing official. I wrote back to the collector and filed out the form they sent me to request the hearing. My request was received by them within the 15 day time limit. In XXXX I obtained a lawyer to represent me in the matter. When my lawyer contact the collector by phone they told him that the hearing had already occurred and that they called me. However, I never received any notice of such hearing nor was I ever informed of the date of time of the hearing. I have since written a letter asking the collector why I was never informed of when my hearing would be and my lawyer at the time was never notified. Now I have received statements showing that more interest charges are being added to the debt. I have not been afforded my legal rights as they represented to me in writing and now the collector is making it appear that I did not show for my hearing when I was never notified of the hearing. I would like this investigated because as far as I am concerned the collector did misrepresented themselves and the who fact of my right to request a hearing. I feel that this collector is in violation of my consumer protection rights.
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (WI)

( XXXX of XX/XX/2023 ) Went to open a checking account with chase in person. When opening a checking account they informed me because my father was a veteran they would wave the fees ( balance charges, etc ) for the account. The lady then asked if I would like to open a Chase Credit Card as the fees for that would also be waived. I said I couldnt at this time but would open it online later. She informed me that should be fine and that I could call and have the fee removed if it didnt automatically apply. 

( last week in XX/XX/2023 ) When I later opened the card I was charged a annual fee so I called Chase. I spoke with a customer service agent who told me I would need to talk to the Military service desk and they could remove the charge. The Military service desk told me this was only for XXXX XXXX and did not apply, but that customer service could remove the charge. Transferred back to Customer service and she told me only her manager could remove the charge. This supervisor then said they can not and will not remove the charge and will not do anything about the people lying but I should go the the branch in XXXX and they could remove the fee. The branch in XXXX said that they can not remove the fee and that customer service could do it... 

So basically I was on the phone for an hour about being lied to as a customer and they kept telling me it was someone elses job to remove it, yet every person I talked to told me they can not remove it. 

I just dont think its acceptable to lie about the terms and conditions for the card.
Consumer complaint received 2018-03-08
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. (FL)

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (OR)

I opened an account with Citi on XX/XX/XXXX and the requirements for a bonus were to deposit XXXX for 30 days. Promo code was XXXX. {$15000.00} deposit landed at Citi on XX/XX/XXXX. From that point they said I had to wait 120 days to see the {$400.00} credit. That would have been XX/XX/XXXX. I have all the chat logs that said i have completed all the requirements and they are currently " Investigating '' my account. This has been the worst customer experience with a bank that I have ever experienced and should be criminal. I have given them everything that they have asked for and still no solution. 

Info at XXXX, XX/XX/XXXX : Welcome A Citi representative will help you in approximately 58 minutes 0 seconds. 
Info at XXXX, XX/XX/XXXX : Within this chat window, do not share such information as your security word or expiration date. To help safeguard your account, we may send you a secure, electronic form you can use for sensitive information.

This chat may be recorded or monitored. 

You are now chatting with XXXX. 
XXXX at XXXX, XX/XX/XXXX : Welcome to Citi Live Chat. We appreciate the opportunity to serve you. I will be glad to check this for you. 
XXXX at XXXX, XX/XX/XXXX : May I ask you to confirm only the last 2 digits of the Citibank account number in question? 
You at XXXX, XX/XX/XXXX : XXXX XXXX at XXXX, XX/XX/XXXX : Thank you. 
XXXX at XXXX, XX/XX/XXXX : Please allow me a few minutes while I review your account. 
You at XXXX, XX/XX/XXXX : Thank you You at XXXX, XX/XX/XXXX : Anything? 
XXXX at XXXX, XX/XX/XXXX : Thank you for your patience. I have confirmed you have met the deposit requirement and have maintained it for 60 days which was completed yesterday. Please note per the offer terms : " If you are an eligible client and enroll and fulfill required activities, you can earn a Cash Bonus. If you fulfill the required activities for this offer and meet all other conditions then the cash bonus will be credited to your new checking account within 90 calendar days from the date you complete all required activities. '' As such, please allow 90 days from XX/XX/XXXX, which would be XX/XX/XXXX for fulfillment. 
XXXX at XXXX, XX/XX/XXXX : Mr. XXXX, are you still there? Do you have any other questions for me today? 
You at XXXX, XX/XX/XXXX : Yes You at XXXX, XX/XX/XXXX : Thank you very much for the assistance today You at XXXX, XX/XX/XXXX : That was all. 

As you can see from this chat log they did not follow their own terms. It should have been XX/XX/XXXX as the last legal day that the bonus would have posted.
Consumer complaint received 2018-03-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (KS)

COMMONWEALTH Financial for {$65.00}. The collected the debt in XXXX of 2017. While checking my credit I noticed a collection agency reported me to the credit agency for having a debt. At no time did they call me or write me to inform me about this debt. The only reason why I knew about this is because I checked my credit score. I have paid off the debt immediately however this is poor practice and is hurting my score. Luckily I was trying to buy a home and find out about this down the road since they weren't making an effort to collect but just report. Once I called I was not offered any chance to dispute. Once I paid, I was notified it could take up to 45 days for it to be cleared from my credit report. I find this unacceptable.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

My sister 's information is intertwined with mine on my credit report. We have the same initials, were both born in XXXX, and our SS numbers are only one number apart. I have excellent credit, and have had no problems to this point because of the confusion, but that could change. I tried years ago to have it fixed, and got the run around ... was basically told it couldn't be changed. Her name is on my credit report under my SS #, surely there's a solution. I have encountered issues where they ask me about previous addresses during security checks ... and they have hers mixed in with mine. It's confusing.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  and Transunion are violating my rights as a consumer by ignoring my disputes. I have been fighting these credit errors for a year now and sent in several disputes regarding a bankruptcy that is not mine and items/old accounts that have been paid but not removed nor updated. I've called and questioned there verification methods for the bankruptcy and the representatives can never give an explanation. I've spoken to reps at Transunion several times and they tell me " ok mame we'll remove the bankruptcy '' but when my report updates the following 30 days its still there. My credit score has hardly budged in months and my credit report does not even have as many delinquent accounts as other consumers I know and there scores are higher than mine.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a Chapter XXXX bankruptcy petition ONLY in XX/XX/XXXX and decided not to go forward with the bankruptcy. I did not file any schedules or attend any hearings for the bankruptcy proceedings. I received an Order of Dismissal on XX/XX/XXXX, less than a month after the initial filing. I was never informed that a bankruptcy petition can remain on my credit reports for a period of XXXX or 10 years. 

I have contacted Transunion, XXXX and XXXX over the past two years regarding the removal of the petition from my credit reports, to no avail. I have submitted documentation from the Federal Court to prove that a Chapter XXXX did not take place. Only a petition was filed and dismissed three weeks later. To date, all three credit bureaus have refused to remove this inaccurate reporting on my credit files. After every dispute, I receive the information verified as if a bankruptcy occurred when clearly my documentation proves that it has not. I do not believe there has been any detailed investigation in this matter by Transunion, XXXX or XXXX. 

I am requesting to have the bankruptcy reporting removed immediately because I did not file any schedules for a bankruptcy nor any of my creditors were included in a bankruptcy. This inaccurate reporting should be corrected immediately.
Consumer complaint received 2018-03-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (IL)

XX/XX/XXXX XXXX XXXX Called to check the status of the short sale application. XXXX XXXX answered. The file has been closed as of this morning. I told them it's not okay to leave me a voicemail yesterday and when I call back tell me it's closed. He said they call me on XX/XX/XXXX, which is Saturday and yesterday, which I am returning. It's completely not okay to close it out in less than 24 hours from leaving me a message and a week from me speaking with me, when they were the ones who did not review my documents since XX/XX/XXXX. I requested a supervisor and was transferred to XXXX. I told him I have called XXXX, XXXX, XXXX, and today. They did not review the items I sent on XX/XX/XXXX and resent on XX/XX/XXXX. I also sent XXXX and pension letters on XXXX. He said I am not being given the correct information when I call, since they are still asking for updated pension and SSDI. I sent these on XXXX. He also wants the XXXX, since the one we sent is dated XXXX. That is not the case, it's dated XXXX. He said the XXXX is wrong, this one is XXXX, not FHA. He said resend correct FHA XXXX, pension, XXXX, XXXX, and entire application. This is insane, since we have re-submitted already and have been updating in a timely manner. 

XX/XX/XXXX XXXX XXXX Called to check the status of the short sale application. XXXX XXXX Answered. They still have not reviewed the documents as they are still requesting the same ones sent on XXXX. I asked him to escalate it and he said he would. I re-sent via email and fax. 

XX/XX/XXXX XXXX XXXX : Called to check the status of the short sale application. They are just now reviewing the docs I sent on XX/XX/XXXX. They said it was uploaded on Sat., and it can take 48 hours to review. I requested a supervisor since the application should be complete and they have had over 48 hours to review. XXXX XXXX is the supervisor and she said they had 48 hours to upload it and 5 b/d to review. She said if it's not reviewed by tomorrow, I can call back and have it escalated. If she does it now, they will reject it saying they are within their timeline. 

XX/XX/XXXX XXXX XXXX : Called to check the status of the short sale application. An automated machine said we are closed for the holiday?!? What holiday? XX/XX/XXXX is XXXX 's Day. 

XX/XX/XXXX XXXX XXXX : Called to check the status of the short sale application. I entered XXXX 's extension and it said thank you for calling, goodbye and hung-up. XXXX XXXX answered and said they are missing the XXXX, which I confirmed I sent on XX/XX/XXXX, she found it and it's not the right one. M & T XXXXorrower 's financial report, which is labeled the XXXX, but also sent in., and the 30 days of paystubs. Transferred to XXXX, the supervisor who said sometimes the faxes fail and emails are too big and to resend them. I requested 2 more paystubs to go with it.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Credit Reporting company is reporting inaccurate information on my credit report and I have disputed the information and all that they keep informing me is that they provided the information to the company ( XXXX XXXX ) and waiting to hear back. My account with XXXX XXXX was paid in full from a insurance claim from XXXX XXXX. XXXX XXXX received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX insurance. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, XXXX said that I have accrued finance charges on my account that is still open. I explained to XXXX that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. XXXX does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from XXXX. All that I want is XXXX XXXX removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe XXXX XXXX any money. XXXX XXXX insurance paid XXXX XXXX  in full. I have already disputed the information with the company and the status just states at investigation open and nothing is ever done because they say they can't read the documents provided
Consumer complaint received 2018-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MA)

In reference to an outstanding complaint, Chase called me at work and stated that in order to share information with the 3rd party given as an authorized contact for the complaint, they would need to send paperwork to me and I would have to send it back. I suggested do not delay their response and instead respond only to me. They filed a misleading response that they could not verify authorization. 
The company can not respond because of an unauthorized third party. 

XX/XX/2018 **Hello, Thank you again for your complaint XXXX about JPMORGAN CHASE & CO.XXXX 
We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it cant respond to this complaint as it lists an unauthorized third party. ** Not only did I verify the authorized party over the phone, but my electronically signed complaint form that CFPB provided contained the authorization they claim they do not have. Chase has provided no recourse, and is using this duplicitous argument to delay responding to my complaint. I have received no request for further authorization in writing, and so can not provide proof of the conversation.
Consumer complaint received 2018-03-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: CL Holdings LLC (AL)

Lawsuit filed against me onXX/XX/2016. 
CAN NOT get attorney to respond to my WRITTEN REQUEST for documentation of debt. 
Lawsuit filed. 
I responded pro de ... .yet NO response.