davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX & XX/XX/XXXX someone logged into account a sent three XXXX transactions to their account after stealing my phone. 
Transaction 1 was for {$1.00} Transaction 2 was for {$1300.00} Transaction 3 was for {$1400.00} On XX/XX/XXXX I filed a claim with chase informing them of the fraudulent transaction claim # XXXX chase denied the claim on XX/XX/XXXX. 

I had my attorney send chase several letters in which they never responded to. 

To Whom It May Concern : Please be advised that our offices have been contacted by XXXX regarding the claim and account number set forth above. MsXXXX XXXX informs us that on or about XX/XX/XXXX, an unauthorized charges in the sum of {$2800.00} was assessed against her account by XXXX Payments. She does not know the recipients of the funds. 
As Ms. XXXX did not authorize the charges, she promptly disputed the charges with Chase Bank on XX/XX/XXXX and the claim number set forth above was commenced. On XX/XX/XXXX, your offices closed Ms. XXXX claim, erroneously concluding that the transaction was properly processed and/or authorized. Ms. XXXX then disputed the finding and Chase again denied the dispute, saying that no fraud triggers could be detected and that the device used was consistent with her log in history. 

Ms. XXXX states that her device was secured in a locked location while she was hospitalized for XXXX. She was unaware that her phone had been stolen as she was seriously ill and hospitalized at the time. She therefore had no occasion to report the theft until she left the hospital and discovered it. Ms. XXXX asserts that at no time did she initiate these charges with XXXX. As such, the charge was clearly fraudulent and Ms. XXXX should not be held financially liable for the charges. 
On behalf of Ms. XXXX we demand that your offices reopen this claim and remove the charge and any related fees from Ms. XXXX account and send Ms. XXXX written confirmation of the account adjustment. Alternatively, if your offices contend that the charges were authorized, then we demand that your offices produce written copies of any and all documentation upon which base your conclusion for Ms. XXXX review. If your offices fail to comply with this demand within twenty-one days of the date of this letter, we shall advise MsXXXX XXXX to pursue all remedies at her disposal. This firm appreciates your prompt attention to this matter.
Consumer complaint received 2017-04-27
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 (VA)

I am retired  XXXX  member with a account in Army and Air Force Exchange Service Collections Dept. I have been in a financial hardship and in financial dire straights since garnishment of my  XXXX  benefits began from AAFES back in  XXXX    XXXX  . I only have my  XXXX    XXXX   pay and   XXXX   Benefits to live off. I have not been employed for the past 2 years Since my balance is well below my original  Military Star  account credit line of {$5000.00}, however, AAFES is continuing to garnish my pay  XXXX  Benefits for {$240.00} per month plus charging interest on a non active closed account. The company is causing me a serious financial hardship. I am not asking for the collection to stop, just for a account adjustment on the monthly collection payments now that my balance is now only {$2500.00}, Can you please authorize normal monthly credit card payments based solely on my current balance, as the credit card payment center would normally charge? The current of {$240.00} be collected is causing a extreme financial hardship, my balance has come down, however, I have bad payment history because simply I have no incoming affordable income to to pay account off. I am requesting one of the following : Sell my current loan account to another finance agency, institute regular credit card payments on my current balance, authorize a lower payment, lower my interest rate, or just simply accept what I can mail in for payment, but please stop the collection garnishment. As of right now, now I can only afford to pay a normal credit card payment based on my actual current balance until I gain reasonable employment.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had a account with Bank of America and had checks written that I did n't write but everything was paid off but still red flagged me and I ca n't open account at any bank but account was closed and paid off. Just would like to open a checking account again. It has been 4 years since I had it. Thanks  XXXX   XXXX
Consumer complaint received 2017-04-27
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: EQUIFAX, INC. (OH)

Equifax, To whom this may concern ; I mailed a Multiple Inquiry Removal Letter and have made numerous online disputing attempts in regards to 7 hard inquires on my credit report. Each dispute has ended the same with Equifax stating the same response to each inquiry " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' These hard inquiries are not factual. They are being disputed for a reason ... .I DID NOT AUTHORIZE. I have contacted each of these creditors and they all give me a hard time directing me back to the credit bureaus reporting these errors. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. That fact I keep receiving completed investigation reports after 2 days of submitting the investigation leads me to believe no proper investigation is being done. For example the most recent dispute I made was on   Tuesday  XXXX   XXXX ,   XXXX   and I received my results today Thursday  XXXX   XXXX . I am submitting this complaint due to the lack of investigation into these unauthorized inquires. Im requesting evidence of the results of all the investigations I have submitted, the name of the agent responsible for performing the investigations and the person or people contacted at the institution reporting this inquiry. It is my legal right to have Equifax substantiate anything they are reporting on my credit bureau. I will not take the same response as before. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom t his may con cern, I recently reviewed my credit report on  XXXX   XXXX ,  2017  and noticed there was improper usage on my credit report. There were several unauthorized credit inquiries from unknown sources listed, as well as inquiries that were removed, but have re-appeared. I have no knowledge of these unauthorized inquiries as well as the inquires that have re-appeared. This is having an impact on my  credit score a nd I am therefore seeking for all the inquiries to be removed immediately.     Thanking you in advance for your prompt action of this matter.     Kind Regards,  Concerned Consumer
Consumer complaint received 2017-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (TN)

I have been in the process of trying to transfer a balance to a new card from  Chase Card Services for a mont h. A cashier 's check was sent to  Chase Card Services   on   XXXX   XXXX    2017   for the full amount of my card balance in order to transfer the balance to my new card. I first called  Chase Card Services o n    XXXX   XXXX  2017    . I was told that when a check is received, it would be posted to my account. Also, told that there was nothing that could be done on their end in the process, except for posting the payment when received. The representative told me it could tak e 7-10  business days to process the payment. I was also told that I would be charged an interest payment, so my balance transfer would n't be my last payment. I waited several days before calling back on    XXXX   XXXX  2017    . I was told that the check had not been received. I asked to speak to a supervisor, at this time. The Chase supervisor told me the same information about processing the payment, but also added that it could tak e 3 weeks to a month to process this type of payment. In the meantime, I had to make 2 pay ments-one to  Chase  and  one  to my new card company on the same balance. I 've now received another reminder fro m Chase that my ne xt payment is due, still no balance transfer posted. I 've spoken to credit lenders and reviewed timelines for balance transfers to take place, and 30 days is excessive. I 'm concerned that my balance transfer is purposely being delayed in order for  Chase Credit Services  to continue to receive payment and interest on an account I have made efforts to transfer.
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (GA)

I purchased a mortgage loan in foreclosure on    XXXX   XXXX  ,   2017.   As  of today  XXXX   XXXX ,    2017 ( 79 days ) I still have not received the Warranty Deed for this purchase. I h ave been in constant contact with the foreclosure attorneys but, still no results from the mortgage Co. Under GA l aw Code Section 44-14-3 bo th lenders & servicers can be liable to the borrower/grantor for failure to cancel a security deed within 60 days of full payment. Full payment was made on  XXXX   XXXX ,  2017.  The address of the foreclosed property is  XXXX    XXXX    XXXX ,  XXXX  GA.  XXXX .
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

I am a XXXX XXXX credit card holder. XXXX XXXX ran a credit card promotional offer where you could select a spend and receive a certain amount of bonus miles based on that spend. I selected to spend {$20000.00} from XX/XX/XXXX to XX/XX/XXXX in order to receive XXXX bonus miles. The terms and conditions state that I will receive my bonus miles XXXX weeks after the promotion closes. XXXX weeks after the promotion closed was the last week of XXXX. 

I have reached out to XXXX, who told me I had to contact Chase. I contacted Chase, who told me I had to contact XXXX. I have reached out to XXXX via email, chat, and telephone. XXXX has verified I signed up for the promotion. Chase has verified I met the requisite spend. Chase is telling me that because XXXX ran the promotion, that they are responsible for providing the miles. XXXX is telling me that this is a known issue, that they hate these types of promotions because they never work as intended, and that they need Chase to verify the card spend ( which they have ). Now they are telling me they are escalating it and that it can take XXXX additional weeks to resolve. 

I would like the XXXX bonus miles that I have earned through registering for this promotion and for completing the requisite spend amount. 

I have attached the email confirmation from signing up as well as all of my written communication with XXXX. I have not had much luck escalating via chat ; the chat ends before they can connect me with a supervisor. I have had the same experience over the phone. I did not attach my credit card statements from the time period because they contain personal information, but I am happy to provide them upon request.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

O n or around   XXXX  2016 ,  a purchase was made on my  XXXX   XXXX   XXXX  account for approximately {$110.00}. The item was charged to my credit card, but the charge didnt go through according to  XXXX , and the item was subsequently charged to my  XXXX  credit account.   The item was delivered after a delay of several weeks later. The item  (   XXXX   XXXX  - a microcomputer ) was received at my home address  (  redacted ). It did not include an invoice ( an invoice was obtained later after several requests to  XXXX   ).  I was not sent a statement by mail or email. I was never contacted by phone. I never received a bill for this item from  XXXX  or  XXXX   XXXX   XXXX . I was never contacted that the account was in arrears in any way. No request for payment was ever made at that time ( or since ).   At the end of  2016 , when applying for a mortgage, I was shocked to see that I had a negative credit report from  XXXX   XXXX   XXXX  for this item. This was the only negative report in my credit history. The negative credit report has resulted in significant increase in the mortgage loan rate that I was offered, which translates to future additional cost in the thousands of dollars.   Subsequent inquiries indicate that : - the account was sent to collections, without ever contacting me - although I was never contacted by  XXXX  with a statement or payment request, the account was reported as in default to the credit reporting agencies - checking the account online, shows that shipping address and billing address are correct ; although no correspondence was sent to this address regarding the apparent default, I continue to receive promotional correspondence from  XXXX  at this address.   - additional late charges and interest have been added to the account nearly tripling the amount due in unde r one year ( >  {$300.00} by the end of  2016  )!   - the  XXXX  representative I spoke with on the phone indicated that this handling of the account was not in keeping with  XXXX  policy and that the account should never have been sent to collections.     I feel that the handling of this case by  XXXX  is not a usual or expected business practice for the reasons indicated above. I believe that the proximate cause of damages is directly the result of the mishandling of this case by  XXXX   XXXX   XXXX .     A cheque has been sent to  XXXX ,  XXXX  to cover the cost of the initial purchase.
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MI)

I filed a complaint on  XXXX / XXXX / 2017   Case  #  XXXX . I received an unsatisfactory response from Ditech. I spoke to them since and they said they would have someone from their escrow department call me. No one did.     The numbers do n't add up. I have asked  them ( several times ) to expl ain, in layman 's terms, the specific increases that add up to the large increase in my mortgage payment. I AM DISPUTING THEIR RESPONSE TO MY COMPLAINT As a side note I called CFPB today and I 'm not sure why but when she looked up my case she gave me a totally different case number. I was given case #  XXXX
Consumer complaint received 2017-04-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

In  XXXX   XXXX , I sent a request to Equifax asking them to investigate some inaccuracies on my credit report.  XXXX  request was for  XXXX   XXXX   XXXX . Prior to this, I sent  XXXX  certified letters  (   XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  ) to  XXXX  requesting a balance and original document in its ' original form. I did not receive the requested documents from  XXXX , and instead received an incomplete request for repayment plan. I later sent a copy of the letter to Equifax requesting that they request the information from  XXXX . I called Equifax on Thursday,  XXXX   XXXX ,  XXXX  to determine the outcome. After speaking with  XXXX  representatives who were unable to assist me, I was transferred to  XXXX  in the Office of Consumer Affairs. He explained that my request for Equifax to investigate the inaccuracies with  XXXX  were not completed and did not offer a reason why. I ask for your assistance to remedy this situation.
Consumer complaint received 2024-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service .

2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service.

5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Consumer complaint received 2017-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (DC)

Started  XXXX   XXXX , under  XXXX   XXXX , in   XXXX    . The institute continued to call for me to begin classes. I informed them because my background would impede my ability to secure employment. I was told it did not matter what my background was they would be able to secure me a job. Upon completion of the program, they were unable to assist me with a job due to my background.  XXXX  began charging me for the loan   XXXX   XXXX    .   XXXX  would no t pay for my certification. According to the intake process, they were supposed to cover the cost of the certification. A class action suit was filed again  XXXX  and  XXXX   XXXX  for defrauding a student. There was a misrepresentation of information. To date, they have not been able to assist me with employment based on the program I completed.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

They lied. They claimed that I have  XXXX  open accounts. It 's not true. I only have  XXXX  open credit card accounts. They gave false report and scores to the car loan company. I could n't get the loan because of the companies ' false reports. So my dad cosigned with me because he has great score.
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo the bank, did not attempt to try to establish and ground point in helping us with the mortgage. We have been trying to get a modification from Wells Fargo from 2014 and they keep declining every attempt that we have made. We 've declared bankruptcy because the failing issue that the bank will not help us with the mortgage. They have been asking for the same paperwork since 2014 and we send the same paperwork but they seem to always ask for more. We 're trying our best to  keep our house, we are in the chapter  XXXX  trustee process.
Consumer complaint received 2017-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (IL)

Dear  sir/madam I  had a credit card account with  MACY 'S DEPARTME NT STORE, Due to some personal issue I was unable to make my payment for some time but later in the year   XXXX   a collection agency sent me a letter on behal f MACY 'S DEPARTMENT STORE, Th e collection agency stated that they going to let me pay half of the credit card debt and also the account will be taken of my credit report. I paid the debt but until no w MACY 'S still have it o n my credit report that I am still owing the debt. I attached a copy of the note on my credit report regarding the payment.
Consumer complaint received 2017-04-27
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: American Coradius International LLC (GA)

I 'm being harassed by American Coradius International LLC on behalf of the  XXXX   XXXX   XXXX . This company has been harassing me and anyone who knows me for the past two months. I have explained to them over and over that this debt does not belong to me and to stop contacting me. I have disputed their claims over and over and they continued to harass me contacting me before  XXXX  and calling after  XXXX . They call at least five times a day. They recently contacted my employer stating that they were calling to inquire information about me concerning workers compensation and after the owner asked for more information they explained that they were looking to collect a debt from me. After speaking with the owner of the business I work for, they contacted my direct supervisor after close of business stating they were trying to collect a debt from me. I 'm not sure how they found my supervisor 's information but they are continuing to call her and harass her now. This company needs to be investigated for harassment and sued for providing false information. Their constant harassment has caused me emotional stress and embrassment because now my employer and supervisor have been contacted and giving personal information. This has been a complete nightmare. I have been to the emergency room twice because I have developed  XXXX   XXXX   XXXX  and have been placed on medication all because of this companies unprofessional collecting tactics. I want to take legal action against them because they never sent me anything confirming the debt, they are harassing me day and night and now contacting my supervisor and the owner of the company I work for.