davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-05
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. (AL)

I am a victim of Identity Theft and was a victim of having my personal information used to take out fraudulent credit cards, create fraudulent bank accounts and charges were made on some of my existing credit accounts. One of  which is a loan with XXXX. I have fulfilled all the obligations of an Identity Theft Affadavit and to have these transactions erased through FCRA 605B. So I am requesting that the loan be deleted so I can have an accurate credit report. I submitted the required information to Equifax, who sent me a letter stating that they were not going to honor the Identity Theft affadavit, but didn't list a reason why. This is a DIRECT violation of Federal Law. So I explained to a representative at Equifax and XXXX that all they could do was DISPUTE the account. But treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent. That is why the identity theft blockage provision of section 605B exists .... to bypass the need to consider proofs. I have no proof to offer to support a dispute, and thus your assertion in the form of a police report is being used to obtain blockage/removal of the charges, not contest the accuracy of its reporting. The dispute process is not a legal fact-finding process, and has no party authorized to review conflicting views of facts and make a binding determination. This is why I filed the ID theft affadavit in the first place. A furnisher does not have to provide proof in order to verify. They must conduct a '' reasonable investigation '', and based on the results of that investigation, state that they have adequate basis for determining that their reporting is accurate. If documents in their possession assert to have been authorization from the consumer, they have no way to determine otherwise, and thus can verify on that basis. That is the reason Congress enacted the identity theft provisions of the FCRA, which permits blocking of such information from a consumer 's credit report without the need to prove a negative. XXXX is also still reporting the account, even though I sent them everything legally required to have this blocked.
Consumer complaint received 2018-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (WA)

I contacted the credit card customer service on XX/XX/XXXX because i got an alert on my credit monitoring that my credit score has decreased due to the TJXrewards MasterCard decreased my credit limit to a point where my balance exceeded the limit AND charged me a fee because of it. When i called they told me it was due to periodic review of credit score ( which is currently higher than when i got the card in the first place ) i have never been late on a payment. I had to all back 4 times and ask to speak to supervisor because the customer service rep hung up on me 3 times. They refused to waive the fee or restore my credit limit. They never sent notification of any of this to me, i wouldnt have known if i dont regularly monitor my own credit scores
Consumer complaint received 2018-04-05
Product: Credit card or prepaid 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. (IL)

On or about XX/XX/2018 I met with a Chase banker, reviewed credit card options and selected a Chase Freedom card with rates offered at 17 %, 22 %, and 26 % depending on credit. I was granted a card but with a 26 % rate and refused/cancelled the card. 

I waited a month or so and this week applied again in person for the Chase Freedom unlimited card to see what would happen. I was given {$26000.00} of credit but still at the higher rates. I cancelled the card while at the bank. 

As someone with a FICO score of XXXX, a 30 year relationship with the issuing bank, etc. I concluded that these are worse than teaser rates in that I wasn't granted a low rate that kicked up but lured into a product based on false rate advertising. If only some minuscule percent of applicants can access a product benefit, then that benefit isn't real and shouldn't be offered. 

As a closing comment, I'm a XXXX XXXX and XXXX as a XXXX to XXXX XXXX XXXX on the XXXX of XXXX XXXX including XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. XXXX is a sponsor of this program and I will need to reach out to our national volunteer office to recommend changes to our materials.
Consumer complaint received 2018-04-05
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: JPMORGAN CHASE & CO. (TX)

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from " Chase '' for an auto loan. Upon doing some digging I found that this loan was obtained from an auto dealership. 

I have never done business with this dealership. 

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan.
Consumer complaint received 2018-04-05
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)

Equifax has FAILED TO PROVIDE proof that they actually took reasonable procedures to investigate the items on my credit report that I have NO SIGNED contracts for that appear on my credit report I have asked them on 4 different occasions to investigate these items that their is NO CONTRACT FOR with my signature! XXXX has NOT made any LEGAL attempt to investigate the items on my credit report that I asked them to by law. They are suppose to use REASONABLE procedures to investigate the items in the time frame ALLOTED by law.
Consumer complaint received 2018-04-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I deposited {$1000.00} cash into an ATM machine at Chase Bank. This machine was inside the bank. It was a new machine. It felt safe. But the machine malfunctioned and my deposit didnt get recorded. A little suspicious I would have to say. But I thought the bank management would take care of this quickly.Well they did not handle it well at all. They treated it very lightly. The manager didnt even come over and talk to me. Another employee wanted me to fill out a form so they could take 10 days to look into it. They didnt even shut down the ATM machine even though it kept my money. They kept allowing other customers to use it. They were just trying to get me to leave the bank without My cash or a record of having deposited it. I had to call the police before they would even explain the protocol and tell me they would have my money back by tomorrow which would have been XX/XX/XXXX. However, its XX/XX/XXXX and they still havent found my money. Supposedly they were going to check the machine before opening on XX/XX/XXXX but now they are not telling me if they found my money. Its being handled very very very suspiciously. With no assurance to me that I will ever see my thousand dollars. Even if I do., Its being handled so badly.
Consumer complaint received 2018-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (MD)

On XX/XX/XXXX I called Monterrey Financial to find out why they were reporting the incorrect balance to my credit companies and the gentlemen explained that they report the actual balance with the interest and not what the actual payoff amount would be, we had a little argument about a {$85.00} fee that was to be waived and was never waived, I ended up telling the " account manager '' that I will just payoff my account and be done with them, we set up everything he confirmed payment will be taken on XX/XX/XXXX. On XX/XX/XXXX I get notification from my bank that a transaction was denied for Monterrey Financial. I  immediately called my bank and they explained that they denied it thinking it was fraudulent activity and they needed me to call and verify, they fixed the issue on their end so that Monterrey Financial could take the payment. They advised me to call back Monterrey Financial and have them re-attempt to take the money, which I did, but the other supposedly " account manager '' that answered was talking to fast confirming everything that the only thing I understood was {$780.00} and my pay off was supposed to be {$730.00} I asked they guy where did the difference came from and he said a recovery fee. I asked him why a recovery fee if my money was on my account and my back is just doing their job of stopping fraudulent activity and they were supposed to take their money on XX/XX/XXXX & not on XX/XX/XXXX, it is not fair that I get penalized for something out of my control. The guy would not let me talk and kept over talking me and only thing I kept on hearing that I authorize a payment of {$760.00} and I am trying to stop the guy to tell him I am not authorizing a {$760.00} payment and he just talking saying Ok you authorize the payment to come off your account today XX/XX/XXXX, I said one more time I am not authorizing that payment and he then said ok you authorize the payment for the XX/XX/XXXX. I ended telling the guy you are not authorized and I hanged up. I called back and asked to speak to someone above a account manager as everyone that I speak to every-time is an account manager, a lady named XXXX was nice enough to get me a leader named XXXX. XXXX called me back I explained the situation and she was very understanding and was actually able to resolve my issue and confirm to me that on XX/XX/XXXX the payoff of {$730.00} would be charged to my XXXX and she waived the fee. I want this dispute to be taken into consideration as I expect that a company providing services would not try to cheat costumers into authorizing payments without their consents and the gentleman I had the displeasure of dealing with today treat others with the same attitude.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: PNC Bank N.A. (NJ)

I have been filling out credit card applications at this financial institution numbers of times. I have been recently denied a cash builders credit card by this bank that i have bank Accounts with and been conducting business with this bank financial and credit card Institution for many years. i feel that i have been a valued customer or client with them And feel that i am being treated unfairly, i deserve the right to be granted trust like any other Person or consumer of this bank. my credit score is good, all debts are paid or satisfied There are no issues with financial companies.please do a complete investigation for Discrimination issues and to be certain that i am being treated equally and to avoid future Complaints or disputes with the banks financial institution or who's involved with the Approval of credit card applications.Thank You Sincerely.XXXX XXXX.P N C Bank Customer.
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (LA)

XXXX sold my mortgage loan to US Bank. During the second week of XX/XX/XXXX I called US Bank to inform them about a XXXX city tax bill. I was told the tax would be paid. Indeed on the US Bank website it indicated a tax disbursement paid for the amount due to the city on XX/XX/XXXX. I felt assured US Bank paid my tax. Today a third party agency for XXXX called to explain my tax was NOT paid. They informed me to go to the XXXX XXXX website to verify the tax was not paid. They explained that if the tax was not paid by XX/XX/XXXX, the house could be auctioned off. I called US Bank and spoke to a wonderful person named XXXX in the tax department. She explained, though the US Bank website showed my tax was paid, my tax was NOT paid. She assured me it may take 7 business days to pay the new amount including late fees. I asked her what happened to the money that was taken out of my escrow on XX/XX/XXXX. She could not answer that, instead saying they need to research it. I ask your agency to investigate the odd business practices of US Bank.
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (GA)

i had fund on my paypal checking account and after the company closed my account for a 180days review they sent me and email in XXXX that everything was clear and my funds are eligible for withdrawal. i have not still been able to withdrawal my funds
Consumer complaint received 2018-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I have made numerous attempts to have this issue resolved with XXXX XXXX regarding a negative charge off account on my credit file. The account is not my account and I have never had any business with XXXX XXXX XXXX. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. I have also requested proof that XXXX XXXX   can legally bonded by the State of Texas to collect in Texas. My consumer protection rights are being violated.
Consumer complaint received 2021-02-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (VA)

On XX/XX/XXXX, I attempted to pay my mortgage to XXXX XXXX online as I have for years. I could not proceed past an advertising box with a number to refinance my loan. I tried to close it but could not. I tried getting out of the website and going back in but it did not work. The box was still there and would not let me pass. I was being forced to call the refinance number. I do not want to refinance. I tried calling the " customer service '' number on my latest bill. There are no options to reach a human. I paid my bill using " speed pay '', but was not able to tell anyone about my problem. I did an online search for a customer service number but always found only the same number I tried to call or a claim number. NO HUMANS accessible. I also found a lot of comments from desperate people trying to reach a human at XXXX. It seems it can't be done.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

I have my payments set on auto-pay so that I know I can pay on time. The loan company published on my credit report that I was 30 days late on payments. They didn't call me in a timely manner and it wasn't until after it was reported on my credit that I was late on a payment. I called and told them it was wrong information and that I had recently move. They didn't attempt to assist me by giving me a late forgiveness since I've always paid on time. I would like to continue with this company, I just feel I'm not currently being treated fairly. The payments are due on the first so I have my accounts to pay on time. for some reason they had issues pulling money but didn't tell or contact me till after I was late. Whenever I check the account, I always see their withdrawal. Then they didn't even tell me that I had another payment due, then called me once it was past due and late. They even tried withdrawing money from both accounts. Why was I not notified that there was an issue until it was too late? I could at least get an email. Please remove the late payment from the report.
Consumer complaint received 2021-02-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (OH)

As a co-signor, I was not aware that this account was considered a charge-off while waiting for account holder 's insurance to pay for vehicle. It was determined that GAP insurance would not pay the remaining balance. I as the co-signor, did not know the account was past due or in a charge off status, because I was not made aware by the company. I contacted the company in XX/XX/2020 to ask about my SCRA benefits as a veteran, and was denied those benefits. The account has since been paid but was reported as a charge-off on my credit report without my knowledge. I am in the process of trying to buy a home and the negative remarks from this account, is hindering that. Especially because I was not aware of the delinquencies.
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am currently in the process of trying to buy a second home however, when the realtor I am working with pulled my credit report, there were Four accounts that do not belong to me. The account names are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. These accounts are not mine ; I did not open them nor did I benefit anything as a result of these accounts being opened in my name such as money, goods, services or any other benefit. I have reason to believe that these accounts belong to my mother since we have the same name. I am and I have had problems like this in the past. I have already notified the companies as well as filed a police report in hopes of having these unauthorized accounts removed from my report because it is very frustrating that I am being held responsible for accounts that aren't even mine.
Consumer complaint received 2021-02-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC (PA)

On XX/XX/2020 I requested a Validation of my debt with Arcadia Recovery Bureau and sent it on XX/XX/XXXX XXXX XXXX XXXX which they received on XX/XX/ 2020 at XXXXXXXX XXXX and sent them a XXXX letter on XXXX2020 which they also received on XX/XX/ 2020 at XXXX XXXX  and today is XXXX I have not received a single response from them. I requested a validation for the debt and also requested the HIPPA release in which to my knowledge a 3rd party collector is not suppose to have anything regarding medical records. I will send documentation and proof of everything I have sent to them but it's been over 4 months and I think this is negligence on their part to not respond letters. 

I have sent the 2 letters which I sent with both certified receipts and tracking numbers.
Consumer complaint received 2021-02-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (TX)

We refinaced our home with Loan Depot. With our previous mortgage company, we were paying 2 times a month to equal our monthly mortgage payment. With Loan Depot, we were never told that we could not make payment this way, there is a program you have to sign up for to do that, which we were not told by our loan agent. We paid 2 payments of {$1000.00} in XXXX and 2 payments of {$1000.00} in XXXX, which would be for our XX/XX/XXXX and XX/XX/XXXX mortgage payments. All payments because they were not set up with their program ( don't know name of their program ), were applied to Principal, not our mortgage payment. We have been calling and trying to resolve this issue since XX/XX/XXXX. Loan Depot has sent our account to their collections departments saying we are delinquent. No one from customer service seems to know how to apply the payment to our account, they say they are going to escalate it to their supervisor and we hear nothing. As of today, XXXX XXXX, we have called Loan Depot 7 times and have spent over 10 hours on the phone with them.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I have been a loyal Chase customer since XXXX, holding three credit cards with a flawless payment history, responsible usage, and a low utilization ratio. On XX/XX/XXXX, I opened three additional accountsa personal checking, personal savings, and a business checking account ( sole proprietorship ) using my existing Chase login credentials. After successfully opening these accounts and funding them through XXXX, I received notifications that my accounts had been locked for suspected fraud, and I was instructed to visit a branch with two forms of ID. 

On XX/XX/XXXX, I complied with Chase 's request, visited a local branch while traveling in XXXX PA, and provided all necessary identification to verify my identity. Despite this, my accounts were restricted again within a few hours. When I contacted Chase for clarification, I was told that my accounts had been permanently closed and that Chase would not permit me to open any future deposit accounts. The representatives offered no specific reason for this decision, only citing the banks right to close accounts at their discretion per the Deposit Account Agreement. Furthermore, they refused to provide any details or evidence to substantiate their claim of fraud. 

The closure was attributed to suspected fraud, but I have not engaged in any fraudulent activity. I am concerned that the decision was based on system errors or false positives from automated risk assessments. I applied for and used XXXX to fund the new accounts while traveling in XXXX, PA, and I also changed my online usernames and data-sharing settings for easier management, but these are not actions related to fraud. Despite providing all necessary documentation and verifying my identity in person in a branch, Chase has refused to offer any detailed explanation or evidence to support their claim. 

I find this response unacceptable. While Chase may have the right to close accounts under the Deposit Account Agreement, that does not absolve them from the responsibility to act fairly and transparently. Accusations of fraud without any explanation or supporting evidence, especially against a long-standing and loyal customer, are both unreasonable and damaging. I believe this closure was the result of either an error in their automated risk assessment system or a gross misuse of discretion by their review team. My account activities were legitimate, and I provided full documentation to verify my identity, yet Chase has still failed to justify their actions.