davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

On XXXX I l literally had my own personal experience of XXXX XXXX XXXX movie, ON A MUCH smaller scale in Private Banking with JPMC XXXX XXXX XXXX XXXX XXXX {$7000.00}. The entire sr.mgmt team was in the upstairs conference room trying to figure out what to do, how to fix the massive problem they created! for rolling out a so-called LIQUID net product that was never tested properly AND was REJECTED by all major banks, Credit card companies, etc! Apparently, it is now TESTED by me AND FLAT OUT FAILED! I was literally in one of the Private client offices located in the lobby, yelling ; your Liquid net product has stolen $ XXXX of my money for 4 days, I have transmissions/emails from XXXX, XXXX XXXX, my mortgage company and many other firms stating, NON TRANS ACCOUNT, INVALID. give me my XXXX money in cash now! And tell Mr. XXXX XXXX be at the DOJ, FINRA, SEC & EVERY XXXX XXXX XXXX reporting FRAUD! Of course they tried to appease me as the people were gathering & Big time Reputational Exposure for JPMC and as you would expect I said XXXX off, get my money NOW IN LARGE BILLS! 

They finally handed me envelopes with large bills, I closed my New account THAT I opened 10   days ago! I walked to XXXX XXXX XXXX & XXXX XXXX Closed that account, walked to XXXX  XXXX XXXX, explained the fraudulent banking issue with JPMC AND THAT XXXX XXXX is involved again. Then walked to XXXX XXXX XXXX & XXXX XXXX. Opened 3 new Accounts, deposited the money from JPMC and XXXX XXXX. 
JPMC assigned an interal case #, the person assigned has been unresponsive despite the 10+  calls I have made! I am demanding {$500.00} be refunded in bank fees caused by JPMC, PLUS {$5000.00} IN pUNITIVE DAMAGES FOR EMOTIONAL DISTRESS AND NEGATIVE CREDIT REPORTING IMPACTS at XXXX, XXXX agencies
Consumer complaint received 2024-08-20
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AR)

ok in XXXX i purchased a car a XX/XX/XXXX XXXX XXXX XXXX and the finance company was Credit Acceptance. The car was in a accident in XX/XX/XXXX the car was totaled and the at fault insurance company totaled the car, i advised the insurance company that i wanted to keep the car which i did,,, they estimated the value of the car and told me that they would send the check for the value of the car with my name on it and the lean holder which was Credit Acceptance. i sent the entire check to credit acceptance and paid the off they kept the entire check and stated it covered the balance of my loan so i wouldn't any of the money because it paid my loan completely off .. they sent my me title and to my XXXX XXXX XXXX ... i couldn't get my title until the total loan was paid off so the check that was sent to them covered my loan .... so now i don't know why they are showing negative remarks on my credit report and showing that the loan was settled less than full balance,,,, they wouldn't release my title until the loan was completely paid off so why they put that inaccurate remark on my credit report i paid that entire loan off with the check the insurance company sent me, they need to removed that remark or remove the entire account from my credit report because the loan was paid in full, ,and not less than full balance,,,,
Consumer complaint received 2016-11-08
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XXXX XXXX XXXX obtain a mortgage from Bank of America in which time. I was never on the loan but was on the deed. In XXXX, I filed for separation and was in the process of buying my own home and I was advise to have my name remove from the deed in which I did my legal representation. In XXXX, I purchase my own home no credit issue. Well, in XXXX, I pulled my credit report from all XXXX bureaus and to my SHOCK Bank of America added it to my credit file. After 14 years it just popped up there. I immediately called BOA and no one could explain but advise me to write to the XXXX in which I did. I sent documentation that XXXX XXXX had to send a authorization so I could speak on the loan back in XXXX. I also mailed payment coupon and correspondence with only his name. My name was forged to the document on XXXX when the payment coupon was mailed. Bank of America forged my name to the document. They have also viewed my credit but never did an inquiry so it shows that I never applied for credit with them. This is going over year now and finally it was deleted from XXXX and XXXX at this time but XXXX is reporting inaccurately. I applied for credit and was denied due to this forged information placed by Bank of America. Bank of America have since transferred this account. But I need for them to update XXXX. Also XXXX would not let you continue to disputed a item online. I read from one of your consumer letter that they had the same issue. Seems every company treat you however. I 'm just trying to resolve this issue that has cost me a denial at know fault of myself.
Consumer complaint received 2016-03-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package on XXXX XXXX, 2016 that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.
Consumer complaint received 2016-02-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IN)

Working night and day right now to stave off attacks from Navient. After hiring an attorney and disputing the debt for my education ( a huge economic loss ), the debt should go into a " disputed '' status. Which means by law I can withhold payments while the investigation is taking place. The creditor may not take any legal or other action to collect the disputed amount and related charges ( including finance charges ) during the investigation. Everyone is entitled to dispute a debt and investigate the lender for any violations of the contract or validation of the debt. In most cases, the lender would not even be able to provide proper documentation tying you to the debt. These violations, combined with unlawful debt collection practices, and the complete disregard of the law ( by Navient ) is the reason behind this complaint. 

Cease and desist letters went out. Of course, I anticipated the Navient would report the loan as delinquent. And they did. This had a huge negative impact on my credit, of which I will be disputing my accounts with the credit bureau. After being bombarded with calls from the Navient, they then turned their attention to the co-signer ( my parents ), demanding they start making payments. This is again in violation of the law ; they are legally required to work directly through my attorney. They then reported my parents to the credit bureaus as delinquent after they were unable to extract money from them. This has affected their credit as well as they are now unable to re-finance their mortgage. This has also affected family relations. We live in a XXXX bedroom apartment with very little living space. We are unable to take out credit of any shape or form. The very basic requirements for living in today 's society and our entire future is currently on hold. 

NAVIENT IS A PREDATORY LENDER WITH NO REGARD FOR CONSUMER PROTECTION LAWS OR PEOPLE 'S LIVES. THESE LOAN SHARKS PREY ON XXXX OLD HIGH SCHOOL GRADUATES WHICH ARE UN-INFORMED & INCAPABLE OF MAKING DECISIONS THAT WILL IMPACT THE REST OF THEIR FUTURE. THEY THEN ENGAGE IN DECEPTIVE BILLING PRACTICES AND INCORRECT CREDIT REPORTING, MAKING BASIC LIVING IN THE U.S. NEARLY IMPOSSIBLE. PLEASE ASSIST US IN BRINGING ACCOUNTABILITY AND JUSTICE TO THESE LOAN SHARKS.
Consumer complaint received 2016-07-25
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

I previously submitted a complaint ( Case Number XXXX ) regarding American Express 's lack of cash back rewards on my account. Their response was that they would start accumulating cash back going forward ( i.e. from the end of XXXX 2016 ) and handle the missing months ( XXXX 2016 - XXXX 2016 ) separately. Unfortunately, not only have I not received any relief for the missing three months, the accumulation I was promised from XXXX 2016 forward has not happened.
Consumer complaint received 2015-12-28
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ORG GC GP BUYER, LLC (NE)

XXXX XXXX sent my billings to the wrong address for months after they were advised that I had moved. Bills were not delivered to me until months later. When they turned bill over to GC Collections who immediately contacted my ex wife, even though she was not a cardmember. They contacted her before I even received notice that they were involved. They advised her who they were, what was owed, etc. This is not the first time this has happened. This happened several years ago on XXXX account XXXX. They went so far as to call my children to attempt to collect the debt, threatened me with court and called continuously, even though they were advised not to. XXXX XXXX was made aware of their actions at that time but still uses them. It would appear to me that XXXX is aware of the problem and approves of their tactics.
Consumer complaint received 2016-01-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: PNC Bank N.A. (IN)

My credit card from PNC Bank Credit Card was compromised when XXXX had a security breach ... I was notified from PNC Bank that they would be sending me a new credit card in XX/XX/XXXX, to replace the old credit card that may have been compromised from the target breach at the end of XXXX XXXX ... I also spoke to them at this time about making a payment and they told me to hold off until I received the new credit card ... .I was supposed to receive the new card in XX/XX/XXXX, however, I did n't receive the new card until XX/XX/XXXX, almost a month and a half later ... .Once I received the new card I immediately called PNC Bank to activate the new card to replace the older one ... I ask the representative at the time if the account was open and activated and he stated that it was, however, at the time I talked to this representative, it had already been closed by PNC Bank ... The rep told me to set up a payment in the next week or so since the account was running behind due to PNC Bank mailing out the new card a month and a half late ... I called back in a few day later and agreed to set up a payment until the rep told me PNC Bank Closed the account XX/XX/XXXX and PNC never notified me they were closing the account ... I was outraged, since I had been a customer all my life at PNC ... .PNC also charged late fees and over the limit fees, how convenient, while I was waiting for the new card to arrive ... At that point I called PNC, and they said the person I needed to speak with about this problem was in a different department, and a person would call me to speak about this in 72 business hrs ... .I never received a phone call from PNC, after I called in several times about the credit card ... .At this time, I have XXXX credit cards, XXXX showing up on my credit reports, XXXX, XXXX, and XXXX, and this is in direct violation of the fair credit reporting act, since PNC failed to call me back to discuss my credit card being compromised, and that they would be using negative information in my credit reports ... They also state in credit reports that we came up with a resolution, then I disputed this, simply not true ....
Consumer complaint received 2016-08-31
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ORG GC GP BUYER, LLC (DC)

Left a voicemail for me to return their call and reference a case number in regards to my sister. Upon researching the number discovered its a debt collection agency, which they did not disclose in the voicemail. Says it is GC Services.
Consumer complaint received 2018-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TN)

I have a mortgage which was sold to sls. It was previously with XXXX XXXX XXXX as part of the XXXX deal. I have never had an escrow account as part of or terms of my mortgage. A year after it was sold to sls I received a letter telling me I was behind in my tax payments. I was not behind in tax or insurance. I am XXXX and am part of a tax freeze and reduction plan by the city of XXXX. I called and let them know that and I had a representative from the city send them a letter letting them know I was in the plan in good standing and not behind. The City even sent them the money they sent to pay my tax back to them. This has gone back and forward on the phone since XXXX. I have been asked to pay lump sums and then way more than I can afford each month. Finally i was told in XXXX that my loan to value was over 80 % sitting at a whopping 81 % and this is the new reason I am in an escrow account. I can't afford the extra payments each month that vary never the same. I would like my mortgage put back the way it was previous to the transfer. I think that it is a shame that they use 1 % ltv as a reason to keep me in an escrow account where there were no deliquencies. I have never been deliquent on my mortgage.
Consumer complaint received 2016-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: J J Marshall & Associates, Inc (IN)

Over a year ago I was trying to move out of my grandmother home into a place for the first time and every place I applied for would not accept me because I have an eviction on my credit which I never had my own place before as I previously stated. I constantly contacted J J MARSHALL ASSOCIATES INC several times and I kept getting the run arounds. They constantly were telling me they were going to send out a fraud pocket on step to dispute the matter, which I never receive so I reported the situation to XXXX to dispute the matter after a year trying to do it on my own with the company.
Consumer complaint received 2020-10-07
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 have reach out to on XX/XX/2020 XXXX XXXX/ XXXX XXXX   and to no avail, I have not received back the items that were requested in my Validation letter. Instead, i received a computer generated statement. Which I'm disputing In accordance of the ( FDCPA ), this has caused me detrimental health concerns due to the fact I have no knowledge of this account. My credit score has been affected. I am asking for this item to be removed from my credit report.
Consumer complaint received 2016-11-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (IN)

PNC bank is charging {$140.00} in overdraft fees for XXXX transactions of {$2.00}, {$3.00}, {$10.00}, and {$19.00}. There was a deposit of {$600.00} on XX/XX/2016 and another deposit of {$150.00} on XX/XX/2016. Making it so PNC had {$750.00} of my money. They stated these XXXX transactions happened between XXXX. and midnight. After speaking to a representative and they told me to make a deposit of {$140.00} before XXXX pm on XX/XX/2016 which I did. PNC bank is refusing to refund the fees.
Consumer complaint received 2022-02-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc (NY)

On XX/XX/XXXX of 2022, I deposited XXXX to affirms savings account. Since the first of XXXX, they have frozen my account. It has been half a month, after multiple calls ( around 5-10 ) i keep getting told to wait " 3-5 business days '' I never got a response. I verified my identity and complied with ALL their requests prior to the deposit. The representative I had spoken go on XX/XX/XXXX of 2022 stated that no one from the escalation department has looked into my issue. They are holding my money hostage and I can't do anything about it. I need help as a graduate nurse who has bills to pay I am now in a position that I can not do anything.
Consumer complaint received 2018-08-20
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: Experian Information Solutions Inc. (GA)

CREDITOR : XXXX XXXX XXXX BALANCE : {$150.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX BALANCE : {$150.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX   BALANCE : {$540.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX BALANCE : {$540.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX BALANCE : {$530.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX BALANCE : {$530.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX BALANCE : {$880.00} ACCOUNT # XXXX XXXX XXXX XXXX BALANCE : {$880.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX BALANCE : $ XXXX ACCOUNT # XXXX CREDITOR : XXXX BANK XXXX BALANCE : {$1900.00} ACCOUNT # XXXX CREDITOR : XXXX BALANCE : {$1900.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX BANK USA BALANCE : {$3900.00} ACCOUNT # XXXX CREDITOR : XXXX   XXXX XXXX BALANCE : N/A ACCOUNT # XXXX CREDITOR : XXXX   XXXX BALANCE : {$120.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX : {$14000.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX BALANCE : {$14000.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX : XXXX ACCOUNT # {$430.00} CREDITOR : XXXX XXXX XXXX BALANCE : {$350.00} ACCOUNT # XXXX CREDITOR : XXXX XXXX XXXX XXXX BALANCE : N/A ACCOUNT # XXXX THE FOLLOWING INQUIRIES ARE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. PLEASE REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK AUTO XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX TENANT CHECK
Consumer complaint received 2015-12-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have been asking my service mortgage provider to show me proof of monies distributed for servicing this morgage after a modification was agreed upon. Now they are trying to collect on this money even after i agreed to {$32.00} in interest and other fees. I am disputing XXXX and additional {$730.00}. Totaling {$3600.00}. i have been asking them for proof of this since XX/XX/2015. I am still waiting till this day.
Consumer complaint received 2015-11-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (OK)

back in 2009 i got a credit card from XXXX. they contacted me today and said they are coming to my work to serve me. they have called me atleast XXXX times today. last month i told them that the statue of limitations in oklahoma is 3-5 years and they got real hateful and said we can argue this in court and hung up on me. i need to know what i need to do about this. please help
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX We were over 60 days in the loan process with you and fully complied with your every request in an expeditious manner. 
We have proven our income, are secure in our employment, and have money in the bank, our credit scores are over XXXX, we have no credit card debt, our residence appraises more than sufficiently, there has been no change in property size, zoning, type or usage since our previous successful re-fi with B of A which, in fact, qualified for and is currently owned by XXXX. You have already changed our insurance coverage naming B of A as additional insured for the new loan. For you to now tell us that our application for refinance has been declined because of " property type '' which was made known to you and which you marginalized in our initial and subsequent telephone conversations, just does not pass the smell test. I have been counseled to request a comprehensive explanation for their declination from your responsible underwriting staff. What has changed since our previous refinance with B of A? 
There is speculation that B of A is hoarding cash because of the election or that there may be age discrimination. Please provide this along with your official declination statement in writing and in a timely manner. XXXX
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

I was recently discharged from a Bankrupcy ( XXXX XXXX ). As soon as the discharge was ordered, Select Portfolio Servicing stated sending harrassing letters & calling saying that I had missed a payment during my bankruptcy.I have provided them a copy of the check of the month in question, but they have been unable to resolve the issue. Further, when Select Portfolio alleges that I missed a payment, is the same month when Select purchased my mortgage from XXXX loan servicing. I contacted XXXX on XXXX XXXX, XXXX & was told by an agent, that she was unable to pull up my file since it was so long ago. This has been quite frustrating, as I have not missed a payment on my mortgage.