davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I opened a Chase Business Credit Card in XXXX of XXXX. I used the credit card and got a message to day they were closing the account. I called and the customer service transferred me to another department. That department informed me the account was officially closed and it was possibly because they had closed accounts before. 
To give context, over a decade ago, I had a checking account with Chase they closed with giving me no reason. This account was used to accept child support from my children 's father. Then probably about 4 years ago I opened a Business account in XXXX XXXX, they called me back the next day and informed me they had to close the account because my son was a member of the XXXX for my business. I did not know at the time that you could not have a minor on the business account. They told me I would have to amend the XXXX but could not reopen the account. I was not provided a reason why I could not open another account after amending the incorporation. I ended up amending it to prevent any other issues and opened an account with XXXX XXXX. 

I am beginning to be suspicious of why this keeps happening to me as this has never happened to me at any other financial institution. As a XXXX woman existing in this world when I am not given a reason it is really hard not to look at my skin XXXX as a possible reason. 

I know that Chase is a private company but this has ramifications on my credit that they are closing my credit card account and I wish they had just chose not to open the account. 

Another issue is when looking up this issue, Chase is known for closing accounts at random. There are forums dedicated to people complaining that Chase continually commits these acts. I believe this should be investigated.
Consumer complaint received 2024-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (TX)

XX/XX/year> I receive follow up services by XXXX  to read my XXXX It was my second visit to this XXXX  the first was for my XXXX XXXX. This XXXX  spend less than XXXX min by XXXX  to said all is fine and asked me if I feel any XXXX  because according with him the XXXX XXXX  was XXXX. I did not feel XXXX XXXX XXXX, I did not repeat the sample. 
2 months later I got a bill for {$110.00}. The insurance said the XXXX  office probably made a code mistake. They said they cover the visit XXXX  or XXXX  to follow up XXXX  but the code the XXXX  office put was not covered and I should pay. Why? I started call to XXXX XXXX. XXXX. XXXX every month to resolve this. on XX/XX/year> they gave me a ticket # and told me call again in XXXX business days. I called them again on XX/XX/year> the lady transferred me with a supervisor. They do not have response and said the XXXX  office does not answer. Today XX/XX/year> I got a collection letter. This is a fraud.
Consumer complaint received 2023-10-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LD Holdings Group, LLC (PA)

There was fraud committed by this company in the loan application process and the closing documentation as well. I have attached a letter that addresses the multiple issues. I sent this to the company CEO XXXX XXXX at the corporate addresses I found via the web and phone calls to customer service. I never received a response. I finally sent it to Customer service email address. I have attached the emails sent and received by a person claiming to be part of the executive offices, although his title does not indicate that position. There is clearly a problem with this company 's business practices and they are attempting to dismiss the problems.
Consumer complaint received 2020-01-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Essential Retrieval Group (FL)

on XX/XX/XXXX at XXXX XXXX I received a call from XXXX stating he was going to serve a warrant and wanted to set up a time when I was home so he wouldn't have to serve me at work. He gave me a case number ( XXXX ) and a phone number to call for more information. I called a company called ERG at XXXX, the gentleman had me verify my last four of my ssn and proceeded to tell me I was going to be served papers on an outstanding XXXX XXXX XXXX for {$4000.00} and some dollars, but I could clear the matter up so I wouldn't have to go to court. XXXX XXXX loan would accept {$1000.00} something. I told him I filed for debt consolidation and I hadn't thought about the debt ( but I thought the original amount was {$500.00} ). I told him I couldn't remember the name of my debt consolidation company but would call him back. I looked at my credit report and XXXX XXXX XXXX sold my debt in XX/XX/XXXX. So I don't know if this is really XXXX XXXX XXXX.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I needed to lift my security freeze. Logging into Equifax services, I could not log into my account. I tried the reset password line, but never recieved a email on how to reset my password. Going into the system to get help your asked a series of questions. Some was so vague that I did not know what they wanted for a answer. I spoke to a representive but they won't help you over the phone. They wanted a copy of my drivers license and SSN card to help. It has to be mailed for faxed. I faxed a cover letter asking for my Freeze to be lifted temporarly and my account be fixed. 
On XX/XX/XXXX, Today I recieved a letter saying my freeze was lifted, but the agents still won't fix my account. Im still having problems answering there questions as they are so vague. They requested another copy of my SSN card, she said she couldn't read it, even thought they lifted my freeze. It take 7 businnes days to get a response from the fax. To make it worse the repensentive was laughing when I got uspset. 

They need to make there questions more presice and the agents training.
Consumer complaint received 2019-07-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

I have been repaying my private loan to Navient for over 10 years and have only paid off {$2000.00} in principal. {$210.00} x 120 months = {$25000.00} paid to Navient to pay off {$2000.00} of principal. How is this legal?
Consumer complaint received 2019-07-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I called IQ Data on XX/XX/19 and spoke with XXXX and he assured me that once payment was made collection will be removed and email confirmation will be sent over confirming that debt was taken care of and removed from my credit report file. We are now on day 11 and I've been hung up on and transferred trying to retrieve/check the status of the email confirmation.
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one the company with which I have been a customer for over 15 years sent me an offer to get their savor one credit card with an initial spending bonus offer clearly stated ( spend {$3000.00} in the first 90 days, get {$300.00} cash back ). I signed up and received the card, but they have now reneged on the offer, stating they counter offered before issuing card. Obviously they are not entitled to counter offer themselves nor should they be allowed to engage in bait and switch tactics. 
Respectfully, XXXX XXXX
Consumer complaint received 2024-10-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SANTANDER HOLDINGS USA, INC. (OK)

They need to tell the credit reporting agencies that my account is paid off. Giving me a closed account pdf with my payoff history does nothing for me with the credit agencies. It's a phone call for them. The. Company is santander consumer usa.
Consumer complaint received 2019-07-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (WI)

I have been divorced from my ex-wife for over 6 years. Home was in foreclosure at the time and I had ex-wife sign quit claim deed so I could pursue saving the home. XXXX XXXX did a HAMP modification, reducing interest rate and extending terms. I had to payoff a defaulted second mortgage in order to qualify, XXXX agreed to accept 1/2 to defaulted judgement amount. After a year of on time payments, I applied with XXXX XXXX to assume the mortgage from my ex-wife. After several attempts, I was finally told about there being a problem with the paid off defaulted 2nd mortgage and that the seasoning requirements for the forgiven debt was 4 years. I filed complaints with XXXX XXXX 's Executive Resolution department and before I received a reply from them, I received a Notice that my mortgage was transferring ownership to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would be serviced by Specialized Loan Servicing ( Part of the XXXX XXXX ). I have spoke to S.L.S. many times looking for a solution and was told I could do a simple assumption by two different representatives and submitted Request to have ex-wife removed, included Quit Claim Deed and Divorce Decree. They have now told me that their company does not do assumptions. My ex-wife has filed contempt of court charges because I can't get her name off the loan and I am facing 120 days in jail if I can't get her name removed.
Consumer complaint received 2022-08-31
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. (TX)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of thecreditoron a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX XXXXXXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, StateAttorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission ).
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$570.00}
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$480.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK (MI)

I had a closing scheduled for Monday XX/XX/23 and with that closing I initiated a wire on Friday XX/XX/23 for the down-payment and closing cost ( {$43000.00} ). I went to my closing and signed all documents and everything seemed to be OK, until I was contacted by the title company later that day saying that the funds that I wired on XX/XX/23 had not been received. 

On XX/XX/23 I called Discover bank following the information I recieved from the title company and was told the wire has been processed and sent, and that they will put a trace on it. When I inquired about a Fed reference number, I was surprisingly told that I do not have one yet due to the fact the the federal reserve has not sent them ( Discover ) XXXX yet ... ..I would think if the wire was processed and sent I would have a reference number almost immediately. 

Anyways, I have been calling everyday since XX/XX/23 to try to get information or advice as to what I should do regarding my wire and am just being told the same thing, " the wire is processed and sent out, should be with the beneficiary '' only problem is, the wire is not with the beneficiary and I have no idea where my funds are. 

Discover bank has not been able to provide me with a wire receipt, a time-frame, information on the path of my wire or the intermediary bank information to escalate the situation. Words can't express the displeasure I have towards Discover bank and once I find a resolution to this issue I will be cutting all business ties with this company. 

I am extremely concerned that my home purchase may fall through due to this and I am getting no where with discover and there team. It's been 4 days so far as of XX/XX/23 and Im concerned this will go for another week or so and I'll lose the house and possibly my wire.
Consumer complaint received 2019-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (TX)

XXXX XXXX  has placed and account on all 3 credit bureaus. Ive sent correspondence to this company 3x via certified mail and I havent received a response. This debt is invalid and was paid within 10 Days of me canceling this old account.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXrequested on XXXX XXXX ( hard inquiry, adverse information ) in violation of section 5 ( a ) of the FTC ACT,15 USC 45 ( a ) Prohibits unfair or deceptive acts or practices under GLB ACT. OPTOUT /privacy NOTICE IS REQUIRED 160.4 ( a ) ( 2 ) deceptive omission of material fact.in violation of section 501 ( b ) of the GLB ACT,15 USC 6801 ( b ) Safeguard rules : to protect the security, confidentiality, integrity and privacy of the consumer NON PUBLIC PERSONAL INFORMATION from unforeseeable internal and external risk.Ive suffered and will continue to suffer substantial financial injury as a result of XXXX XXXX XXXX violation of the FTC ACT and GLB ACTXXXX XXXX bank has been unjustly enriched as a result of its unlawful acts or practices, it likely to continue to injure reap unjustment and harm the public interest in commerce .Please remove all adverse information.section 5 ( m ) ( 1 ) ( B ) of the FTC ACT 15USC 45 ( m ) ( 1 ) ( B ) fined is XXXXdeceptive acts or practices
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (OR)

I suspect that Verizon Visa card which is issued through Synchrony Bank does not actually issue all the Verizon XXXX  rewards  it promises. I noticed this when a reward was not generated for a {$1400.00} transaction I made that was posted to my account. I glanced through the rest of my rewards and I suspect some were missed here and there. I called customer service and they issued the reward on my statement but that was XXXX ago and it is still not showing up in the app where I can use it. I was told it would take XXXX hrs. This is a scam costing me {$14.00} and I suspect more for rewards they have cheated me out of in the past.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

They are reporting incorrect addresses on my credit report. I have never lived at the addresses that they are reporting. The only address that should be on the credit report is in the city of XXXX XXXX, IL XXXX.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION (GA)

To Whom It May Concern, I am writing to urgently dispute the incorrect eviction records that appear on my credit report and are causing severe harm to my credit, preventing me from securing housing. The following eviction cases have been dismissed and are incorrectly listed on my credit report : Case Number : XXXX ( Dismissed on XX/XX/year> ) Case Number : XXXX ( Dismissed on XX/XX/year> ) These cases are related to a property at XXXX XXXX, where I have never lived. I was unaware of these cases until recently, and they have been dismissed. As these evictions are erroneous and not related to my actual living situation, I am requesting their immediate removal from my credit report. 

Please review the attached documentation, which includes court records that prove the dismissal of both cases. I kindly request that you remove these incorrect eviction records from my file within XXXX hours, as this matter is critically affecting my ability to secure a home. 

I would appreciate a confirmation of receipt of this letter and the removal of these items from my credit report. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (GA)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2020-01-18
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XX/XX/XXXX Capital One Disputes VIA FACSIMILE- XXXX Case Number : XXXX Merchant : XXXX-XXXX  Date of Transaction : XX/XX/XXXX Disputed Amount : {$32.00} Dear Sir or Madam : Please be advised that I am in receipt of your letter dated XX/XX/XXXX, concerning the above captioned dispute. In my original complaint and also the attached questionnaire provided by Capital One and filled out by the card member, the merchandise/food order was never delivered successfully. As mentioned previously, the delivery driver XXXX was rushing and dropped the plastic bag of food in Styrofoam containers on the outside sidewalk. The order was refused and the driver took the order back. 

The order receipt was never signed for by anyone and the information provided by the merchant under " customer details '' does not even list the correct name of the card member, it has a name listed as XXXX XXXX XXXX.
Consumer complaint received 2020-01-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX, Manager of Chase Bank at XXXX XXXX XXXX, XXXX, CA XXXX, told me My Chase savings & checking were being closed but gave me no reason ( s ). She claimed she could release my SS Direct Deposit funds on the XX/XX/XXXX, but  then denied me these funds until XX/XX/2020. She said she would try to pay an outstanding check, but simply returned checks. I have asked for explanations & I get nothing.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX identity thief 18 USC 28a 2.Security fraud 18 USC 1348 3. Extortion 10 US code 927.127 Company is in violation tried to get Company to resolve conflict. I want a thousand dollars per violation and removed inaccurate reporting from credit.