davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

This is a followup to my COMPLAINT # XXXX ( BOTH CREDIT CARD ACCOUNT NUMBERS ENDING IN XXXX and XXXX ). In the previous complaint, I detailed my reasons for late-payments and Chase still refused to re-instate my credit cards. So now I am giving this another try due to the hardship on my business, me, and my family caused by Covid-19.

In the original complaint, I was then told that the system/computers makes the decision and there is nothing they can do and then I asked to speak to a human, a supervisor, who could make a decision after hearing all of the facts ; the supervisor gets on the phone and basically says the same thing about the system and management is free to do whatever they want with the account and the
decision is final. I also offered to make a payment if they reopened at least one of the accounts and they refused. These were life-changing events and I was not able to handle these issues while helping my daughter and then covid-19 has made things worse for me as a 100 % XXXX XXXX.

After 40 yrs in XXXX, we are the only XXXX XXXX XXXX in the US ; Covid-19 almost forced us out of XXXX ; fortunately, we now XXXX XXXX XXXX XXXX for a large Georgia hospital. To maintain traction/expand we need $  XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( we have approx. XXXX XXXX ). We are located in a XXXX & XXXX XXXX. 
Due to other hardships ( XXXX XXXX fraud & a daughter who recently became XXXX XXXX ), Chase canceled my XXXX credit cards due to late payments ; I have tried everything to get them reinstated including filing Consumer Fin'l Protection Bureau complaints ; Chase refused to reinstate them because the excuses were not good enough. 

Chase Card Services was very rude and insensitive especially telling me that they can close my accounts for any reason and/or at anytime. My problem with this is first they did not know all of the facts and second, they may have closed the account for the wrong reason. So now I am asking to have my case reconsidered so that at least one of  my credit cards ( preferably Amazon ) or both can be reinstated because I need them for XXXX to help me continue to build traction towards XXXX XXXX for one of the largest hospitals in Georgia. 

As a XXXX-owned XXXX it is hard enough to get affordable working capital and to not have credit card privileges is devastating especially considering I have legitimate reasons for why I could not make payments on time. We are saving lives with our 100 % made in the USA XXXX XXXX. 

Please reconsider my request to reinstate my credit cards.
Consumer complaint received 2020-09-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MT)

I tried to refinance through my existing mortgage company, Freedom Mortgage. I had a closing disclosure issued to me on XX/XX/20 with closing costs at {$5600.00}. At my closing date, XX/XX/20 my paperwork showed up with closing costs at {$7700.00}. I received no notice prior to closing that my closing costs had went up {$2000.00} ( a 36 % increase ). I contacted my loan advisor, XXXX, while the signing agent was still present at my house. I had to leave a message for XXXX. That day I called Freedom Mortgage three more times trying to get ahold of XXXX or a manager that could help me, but was only passed around to different employees. It was discovered that the VA funding fee was not included in my closing costs and it should have been. The next day, XX/XX/20, I finally got to leave a message for a manager, XXXX, at around XXXX XXXX.. I received a phone call back from XXXX at around XXXX XXXX.. He said the increase was due to the VA funding fee, but said that he would look into it and get back to me tomorrow. I impressed upon him the importance of time, because I had only three days from closing ( XX/XX/20 at midnight ) to decide if I was going to cancel my refinance. Now XX/XX/20, I heard from XXXX in the afternoon around XXXX XXXX.. XXXX XXXX that there was not going to be a VA funding fee, but that he was working on the closing disclosure with the closing department and to not sign the " Right to Cancel '' form. I specifically told him that I would need the disclosure sent to me first thing in the morning, as I had to work and that day and it was the last day I would be able to cancel my refinance if the  figures were not satisfactory. XXXX also stated that the numbers would not be the same as my original disclosure statement, but was unable to tell me exactly what the numbers would be. I tried calling him later that day only to leave a message stating the numbers needed to be the same, this was not an opportunity for Freedom Mortgage to invent other fees to add to my closing disclosure. On XX/XX/20, I had no paperwork for my closing disclosure. XXXX called me in the afternoon, and still no closing disclosure. I informed XXXX that I needed that paperwork earlier today and they had three days to get me a new closing disclosure, which was still not available!!! I canceled my refinance as well as let him know that what occurred was unethical and illegal. Mortgage companies have to give you three days notice before closing if the closing disclosure amount changes and it should not vary more than 10 percent.
Consumer complaint received 2018-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

on XX/XX/2018 i called carrington mortgage to check on the status of the account, the rep stated i have to ask some verifying questions one of the first questions was along the lines was are you currently with your spouse? how the XXXX is this a verifying question? i resent this/outside of account number phone number, name address socoial security number or passcode.this line of questioning is out of line and to me a violation of 93 a.if they have a right to askthem fine, but the represenatives at carrington have no right to preface these are verifying questions, carrington does not want to help they just want to FORECLOSE, they cherry pick on what they wish to reply to in complaints and carefully lie with others.also they state that they were given a change of address just in XX/XX/2018 .This is a lie .Borrower has proof Carrington received in XX/XX/2018 but repeatedly ignored requests afterwards to change even though they were repeatedly told..also they had and agent tresspass on my property ( clearly marked ) to hand deliver and open notice stating confidential yet it was not put in and envelope and the other copy was strewn near the road for all to see.i want carrington to respond specifically to these 3 concerns above to do with questionining anout am i still with borrower, why are they handelivering open correspondence with all borrower sensitive persoanl information carelessly placed on my property stating they cant reach us when we have been calling in for ove r2 months now and why carrington states it was just XXXX when they received a change of a address just for there mailings and borrower provided proof through you via email it was last XXXX!!! also carrington tried to lie with there rep XXXX a so called specialist that the 150 day right to cure need not be sent out when it in fact by law had to be redone.CARRINGTON SAY THEY WANT COMMUNICATION YET THAEY MAKE IT DIFFICULT TO OBTAIN ACCESS TO ACCOUNT INFORMATION OR STATUS WITH RIDICULOUS ILLEGAL LINE OF QUESTIONS LIKE THEY DID BEFORE.ALSO BORROWER WANT ADDRESSED IS WHY BORROWERS CAN NOT DISCUSS THESE MATTERS ON A NON RECORFED LINE, ARE REQUEST OF A NON RECORDED LINE SHOULD NOT PRECLUDEBORROWER FROM ANY ASSISTANCE
Consumer complaint received 2018-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX, I discovered many Identity Theft issues on my credit file. I placed a fraud alert, provided police and FTC report of me being a victim of identity theft, with Transunion, that involved my information with my deceased Grandfather. 
For many years, Transunion has been reporting his information on my credit file, though my grandfather passed in XXXX XXXX. 
His middle name was XXXX, or XXXX. My middle name, XXXX, or XXXX. 
Same last & first name. 
To different birthdays, SSN 's, middle names & so on. 
After providing Transunion with my Grandfather 's Death Certificate, on XX/XX/XXXX, TransUnion Interactive wrote to me, acknowledging me of informing Transunion LLC of his passing, and forwarded it to appropriate department. 
Since then, I've been DEAD! .. According to Transunion LLC ... 
I have disputed multiple times with Transunion, but failed to convince them to correct the disaster. 
After me telling this company that the other name and info, " XXXX '' ( middle name ) is not me, I'm " XXXX '' ( middle name ), XXXX & XXXX, ( other 2 big CRA 's ) followed suit and reported Death Notes on my file afterwards. 
My last dispute result, from TransUnion, XX/XX/XXXX, stated : CONSUMER DECEASED DATE OF DEATH IS XX/XX/XXXX ( NO EXPIRATION DATE. ) I will stop here and see if TransUnion can figure out what my complaint is regarding.. 
Thank you for allowing me to state my case.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

I have been making on time payments with Chase Mortgage and it showing on all three bureaus XXXX, XXXX and XXXX  credit reports in XX/XX/2018 multiple 30 day late payments. I would like these incorrect 30 Day late payments to be removed. I have reached out to Chase twice this year, with no response.
Consumer complaint received 2018-12-27
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC. (MA)

Ok education credit management corporation XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX MN XXXX. Are Harassing me and writing letters to my former attorney about a debt I Dont owe or know anything about ... First of all I want them to stop calling me and trying to trick me for information. They threatened me so gave them my attorneys name I am address they are writing him for a debt I dont owe ... In a unrelated matter hes a criminal defense lawyer. And has know knowledge of this debt they claim I'm owe ... They a embarrassing me ... because my former lawyer has nothing to do with this debt. More especially me. They have the wrong guy.. I am Disputing this debt so stop all collection action for 30 days until this matter is resolved. According to the fair debt credit reporting act you must stop all attempts to collect on this false debt.
Consumer complaint received 2018-12-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (NY)

My account was closed because I called on the XXXX about a transaction I didn't make and all my netspend prepaid debit cards were deactivated. My social security benefits posted the XXXX, and they closed my account on XXXX XXXX day. XXXX. 
I have been with netspend prepaid card since XXXX. My social security XXXX check goes direct deposit to my account. I had no access to my funds which my family depends on I am single mom of XXXX children. I called and the representatives told me different things. 
I don't even clearly understand why they closed my account.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hey the information on transunion you guys have the wrong information I do not live at XXXX XXXX  XXXX XXXX XXXX ny XXXX. If it kindly been removed from my file as that is not my correct address. Transunion said they would remove this and for some reason it is still on my file.
Consumer complaint received 2020-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (VA)

A company named True Accord keeps sending me repeated emails harassing me about a debt that i do not owe. I don't know who True Accord is, i never received any goods or services from them, and i do not have any contract with them or the company XXXX XXXX who in the last email they are harassing me telling me that they will be taking this alleged debt that i don't owe back. I have not contacted True Accord by email or by phone, because i am scared that they are trying to use legalese to try to trap me into a contract that i don't have with them.
Consumer complaint received 2020-09-20
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc. (OK)

My credit score was XXXX before Santander Consumer USA did something negative to my credit. 

Obtained loan : XX/XX/2018 Have made payments every month, they will not release my credit score. 

I have a letter from them stating they have received my request to reinstate credit reporting. 

I am in XXXX XXXX, I work everyday, and I go to college full time. 

Santander has totally wiped out my credit.
Consumer complaint received 2020-09-20
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: EQUIFAX, INC. (NY)

THE DISPUTED ACCOUNTS HAVE BEEN CAUSING TREMENDOUS DAMAGE TO MY CREDIT, I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED FOR THEY HAVE BEEN TARNISHING MY NAME. BECAUSE OF THOSE ACCOUNTS IT HAS PREVENTED ME FROM ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE NOT LIABLE TO ME AND I WOULD LIKE THOSE TO BE REMOVED IMMEDIATELY OFF MY REPORT.
Consumer complaint received 2020-09-20
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: Block, Inc. (CA)

On XX/XX/2020 at XXXX XXXX, XXXX XXXX, and XXXX XXXX  three payments of the amount of {$71.00}, {$210.00}, and {$250.00} were made at XXXX XXXX. These purchases were unauthorized as I didn't complete these transactions. The card that was used was my Cash App card. Cash App has NO live representatives and I've sent them multiple emails as this is the only way I'm able to contact them. I have still heard absolutely nothing from them as it seems they aren't doing anything to help resolve my issue. I've also contacted the merchant and they have claimed they're unable to do anything for me. I've also filed a police report. This is extremely frustrating as a total of {$530.00} has been taken from me and CASH APP refuses and doesn't show any interest to help me and contact me to move forward.
Consumer complaint received 2020-09-20
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: EQUIFAX, INC. (FL)

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX XXXX THESE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME PLEASE REMOVE THEM XXXX XXXX  Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XXXX  XXXX, XXXX Miscellaneous Reptg. Agencies XXXX  XXXX Inquiry from XXXX  XXXX, XXXX Auto Financing XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, New Consumer XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delta Management Group, Inc. (GA)

DELTA MANAGEMENT GROUP and XXXX XXXX XXXX This debt collector has engaged in abusive, deceptive, and unfair practices in violation of the FDCPA. They reported an account that I neither agreed to nor signed a contract for. A valid legal contract requires the consent and signature of both parties, and I had no involvement in this agreement. Furthermore, they failed to follow the proper five-step validation procedure, further constituting unfair practices. Under the FDCPA, I am entitled to {$1000.00} per violation, and my rights have clearly been violated. I am requesting that this company immediately remove this account from all three major credit reporting agencies and compensate me for these violations. If this is not resolved, I will forward this matter to my litigation attorney.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have requested for address that are not mine to be removed from my credit report and they refused to delete. 

These address are not mine : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-10-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (FL)

I applied for a loan of XXXX us dollars and agreed to pay XXXX. I paid XXXX XXXX dollars, and they required me to pay back XXXX When I asked to provide information, I received nothing. I plan to try to stop these charges from my bank, but I am not sure it will stop it.
Consumer complaint received 2020-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern I have sent in my Police Report from the Police Department to all three Bureaus Someone Broke into my house and all of my Personal Information was stolen and I been dealing with Identity Theft ever since this incident Happen to me and my Family This is Really Affecting me in a really bad way i need this to be fixed, please block these Accounts off my credit
Consumer complaint received 2020-09-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Brown’s New Credit Bureau Inc. (AZ)

About 3 years ago the wife had XXXX. XXXXnsurance covered most of it but the gas to put her under was not covered we didnt know at the moment that it didnt cover nothing so we had to pay everything out the pocket. We couldnt pay it at the time. So they had sent her information to browns collection. After about 12 months I get a call from ( Ms XXXX ) stating that they kept on send me mail ( they had the wrong address ) to get the debt paid. That I needed to pay her debt since we are married and it can affect me credit. So I started to send payments as they requested. The wife asked if they had a debt settlement which she stated they didn't that we had to pay everything in full. So I never missed a payment until recently due to covid19.  Around XXXX Ms. XXXX calls and advised that the payment was due. I advised her that Im the only one working and wont be able to make the payments since they took my overtime away. She said she was going to note it in her system. Which was good i didnt think they were going to make a big thing about it since everyone is going through this covid19. I also asked if they had any help ( Hold on payments ) they can give due to covd19. She replied no they only have it for people that are paying over XXXX a month. I said ok and let it be. XXXX comes around and she calls me around the XXXX around XXXX ( 10 days before due date ) that there is 2 payments ( XXXX and XXXX ) Due on that same day she called me. I advised her that i still havent gotten my hours back. She continued to say that the debt will collect interest and that my information will be sent to attorney if i dont send the payment. I advised her that I dont have the money at the moment that Im not going to leave my family with out food. To do what she needed to do to get her money. She said she was going to note it. We will be sending her what we can until I get my overtime back.
Consumer complaint received 2020-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (FL)

someone transferred {$4000.00} to me via pay pay and i was charged {$110.00} I dont feel i should be paying a fee on payments sent to me so i tried calling paypal to either transfer fee to sender or cancel payment i called for hours and there is no customer service representative available to help. 

i went through automated system that accidentally refunded the payment but charged me again. 

no emails, messages or calls are being answered. 

I want the full payment of {$4000.00} to be sent back to sender, i dont want to pay a fee an i want my account closed
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Due to the corona virus and financial difficulties with making all monthly payments citi cards had been helping to put payments on hold and helping waivng late fee and citi said you can try to make minimum payments and late fees will be removed during the ongoing pandemic online I was not able to ask for help but when speaking with citi over the phone they did not want to waive the {$28.00} dollar late fee how can these credit companies not work with customers during these difficult time??? That is not our fault? Credit card companies need to do what the government asked them to do help consumers during these difficult times.