davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NC)

I recently reviewed my XXXX and XXXX report and noticed a fraudulent JPMCB CARD account opened on XX/XX/2021 under the account XXXX. I'm requesting validation of the debt which includes the copy of all accounting records, Verification of JPMCB Card claim against me which is a signed invoice with my wet ink signature and the wet ink signature of JPMCB, I demand a copy of the Contract binding both parties which is allegedly me and JPMCB CARD in a letter by " certified mail ' so that there is an independent witness to it having been delivered, this Contract need to include wet ink signature. I demand to see the Full Disclosure because i was not told that i was actually creating the credit with my wet ink signature. Equal Consideration because JPMCB brought nothing of value to the table and so had nothing to lose. Lawful Terms and Conditions because mine was based on FRAUD. The wet ink signature of both parties must be signed on a legal binding contract from my understanding of the law JPMCB corporation cant sign with a wet ink signature because they have no Right or Mind to contract since JPMCB are soul-less legal fiction ( JPMCB ) and furthermore, no third party can sign a contract on their behalf. I demand you send me documents of who signed this legal binding Contract with their wet ink signature, because it wasn't me. I'm not requesting a STATEMENT, let me remind you a Statement is not an INVOICE, please provide a signed ' Invoice ' as requested. Please do not send me a Loan or Credit Card application, a Loan or Credit card application does not constitute a Contract as it is only signed by one of the parties ( himself ), i demand a copy of the Contract signed by both parties. I'm requesting all signed documents, contracts, invoices with the wet ink signatures of both parties be sent to me within the next 14 days and if this does not happen, then i will consider the debt fully discharged and deleted from all consumer reporting agency.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Between XX/XX/XXXX and XX/XX/XXXX, I disputed information within my consumer report. Transunion refuses to remove the information although sufficient evidence has been provided to remove the disputed accounts.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent dispute letters to Credit Bureaus to dispute inaccurate information from my Credit Report and I written them that within 30 days if they didn't finished there investigation than they want to delete those accounts from my Credit Report. Now its been XXXX days completed and Credit Bureaus didn't sent any investigation result or I don't know they investigate those accounts or not and not delete those accounts from my Credit Report and did fraud under FCRA law.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XX/XX/year>.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (CA)

I noticed this collection on my credit report in XXXX indicating a collection for an account opened in XX/XX/year>. I have no knowledge of this account, don't know what it's for. I suspect fraudulent activity.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PINNACLE FINANCIAL PARTNERS, INC. (TN)

in accordance with the Fair Credit Reporting Act the creditors have violated my rights under 15 USC 1681 section 6 o 2 states that I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (NY)

I started the loan modification process with Nationstar/Mr Cooper in XX/XX/year>. THey asked for documents, typical, and I uploaded everything in a timely manner. for the next 2 months, XXXX and XXXX, they kept denying my document uploads for reasons no one in customer service could explain. You CAN NOT speak with underwriting. The entire process is done online on their website. You only speak to a customer service rep who then sends emails to underwriting for you. I was told by them to not make payments during the modification process as I would then be denied for a modification. After sending in the same documents dozens of times, by scanning and uploading and also emailing to customer service, they finally accepted them all in XXXX. Then was told it take 30 days for a decision. Now at this time I was 60 days past due going on 90 days. At end of XXXX, my modification offer came thru, it was insane. Never was I told what or how it would be modified. They took my Balance owed with 22 years left on term, at 4.75 %, and created a new 40 year mortgage at same 4.75 % rate, lowering my payment less then {$300.00}? I told them no way, that they deceived me and had dishonest banking practice. I ended XXXX taking a personal loan to pay my mortgage back up to current to avoid foreclosure, I am complaining to the XXXX XXXX XXXX for this deceitful and dishonest banking practice
Consumer complaint received 2024-10-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AdvantageFirst Lending Inc. (CA)

AdvantageFirst Lending has regularly committed mortgage fraud in order to place people into refinanced mortgages they cant pay for and will bankrupt them long term ( by falsifying income or other information and forging borrowers signatures on documents )
Consumer complaint received 2024-10-09
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I call to inquire about the debt and The Representative and the manger threatening to keep reporting a new balance to my credit report every month until I paid or if I cant pay I should go and borrow it. I also have it on recording with the representative telling me he have my social security number and identification if I dont pay.
Consumer complaint received 2024-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

Ive have disputed this account with the credit bureau since 2020 to validate this account and result remains the same. No change or correction has been made on my credit report. American Adjustment BU reflects a bill for {$670.00}. This collection is affecting my credit score and is violating my rights to dispute in a timely fashion for several years. No communication from this collection agency regarding this matter. This account shows that it is collection and past due.
Consumer complaint received 2023-12-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

i have a mortgage with pennymac and i was having a hard time paying my mortgage ( my job didnt pay due to covid hardships ) and i applied for help. 
they put me on a short forbiddance plan and i was told it would not affect my credit score. 
and now my score is like XXXX with XXXX  days late on XX/XX/XXXX. 
i called pennymac and they said that what i was told is wrong
Consumer complaint received 2023-12-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

This is a secondary complaint for the balance of another gift card I received from my work at the beginning of XXXX. 
Since having been activated on XX/XX/XXXX, the card has worked a total of two times, permitting for less than 20 % of the balance to be used over the course of almost a year. After attempting transactions multiple times over the course of several months, the card was finally successfully used for a single transaction in-person at XXXX on XX/XX/XXXXXXXX  and a second time at XXXX on XX/XX/XXXX. 
Besides these two successful transactions, I have attempted to use the card multiple times without success - I had a XXXX pickup transaction that was initially processed successfully, the item arrived at the store for pickup, and the card then retroactively declined when I arrived to pickup. This resulted in me having to pay with an actual credit card for a charge I had not planned for based on the initial approval. I have had customer service agents attempt to manually process the card after initial declines at the terminal, only for the card to still get declined. I have been unable to replicate successful transactions in-person at XXXX, or XXXX, despite the card having worked once at each store. 
The card is virtually useless online, and get 's rejected summarily by every website I have attempted to use it on. It is, furthermore, stressfully unreliable for in-person transactions. There seems to be no rhyme or reason to why transactions are declined, and customer service agents are unable to provide any actual reason beyond " safety '' for the inability to use the card for any sort of transaction. The inability to process transactions seemingly violates everything that is advertised - forget about adding them to digital wallets ( doesn't work ), forget about using them for online transactions ( also doesn't work ), and forget about using them for in-person shopping ( basically doesn't work ). 
I am holding out hope for a similar resolution to my first complaint so I can end this saga, and promptly reject them as gifts moving forward. Personally, I am an avid proponent of American Express and they're many credit card offerings. I'm not sure where the ball is being dropped on these gift cards, but it's extremely disappointing.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

This company states my account is in the red, but I have paid it in full and it has been closed for years! 
Also this is still on my credit report and it is XXXX XXXX XXXX.
Consumer complaint received 2023-12-23
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: Phoenix Financial Services LLC (TX)

In XXXX I had received a call from Phoenix about a medical bill which had been turned over to them. I was walking into a meeting at that time in which I asked the man XXXX to call me back in a couple of hours to discuss this in detail and he said he would. Never got a call back. I called this company to see what was going on and got ahold of a different rep in which he said he would get the XXXX who was over my account the message to get back with me about getting a copy of the original bill to send into my insurance. A few hours later I get an email with a settlement offer letter stating if this wasnt accepted they would report to the credit bureau and never the bill. I replied right back to the email again requesting the original bill and got no response from there. All these phone calls are recorded on Phoenixs end. I disputed this and explained this to XXXX and after 20 days nothing changed and they closed the dispute saying it was valid. Wanting to take care of this and get this collection account off my credit report and hurting me. Thank you.
Consumer complaint received 2023-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

On XX/XX/XXXX  I received a call from Citizens Bank asking about some recent charges. I verified that the charges were not made by me. While on the phone with the agent I decided to log into my account. There was one more charge for {$600.00} that I was asked about and I once again stated no, I dont recognize the amount. The agent then sent me a code via text and asked me to repeat it back once I received it. I did. Then he told me to text the word yes to verify the charge was fraudulent...... I did. To my surprise I saw {$600.00} vanish from my account. I tried to speak up, the agent said no worries the money will appear back in my account within the hour. I knew I had been duped. The criminal had opened a XXXX account and stole my money. Since that time I have filed a complaint with Citizens Bank and talked with them numerous times. They refused to reimburse me as they said I authorized the charge. I visited my local branch, they were no help. I filed a police report and 2 complaints with the attorney generals office. I continue to fight to get my money back. I am XXXX XXXX XXXX, recently retired. I simply can not afford to lose money. I hope someone on your end can help
Consumer complaint received 2023-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

My mortgage holder, PennyMac, failed to make payments from my escrow account to my flood insurance provider resulting in the insurer cancellation the policy on my residence. This was done without my knowledge and in spite of my having ample funds in the escrow account. Then, PennyMac informed me they had to purchase a policy at a premium on my behalf because I didnt have the required flood insurance coverage. Ever since then, and even after talking to my insurance broker and the escrow department at PennyMac, I continue to receive alternating notifications from PennyMac. One notice says I have flood insurance coverage, then within a week or so I receive a notice that PennyMac must purchase a flood insurance on my behalf because there is no evidence such a policy is in place. Continued calls to PennyMacs escrow department have not resolved this problem.
Consumer complaint received 2023-12-23
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: 21ST MORTGAGE CORP. (FL)

21st Mortgage is in violation of Fla. Admin. Code Ann. R. 69O-167.009 - Mortgage Property Insurance Requirements Limited XXXX The insurance requirement they are asking for is impossible to find due to the coverage they are looking for going above and beyond the replacement value of the home. We have been told by insurance companies, insurance agents, other lenders, and realtors that their requirements are impossible to meet in Florida. This statue has been sent to them by some of these parties. We do not receive an appropriate answer as to why their requirements are so high. Our insurance carrier, offered us the required amount, and a week later changed it because, upon review, the coverage amount requested is above and beyond the replacement value of the home and they are unable to do so. Because 21st Mortgage have found us in " violation '' of their insurance requirements they will assign their own insurance that will likely double our premiums. We have been told by several parties that they have not seen a requirement like this before and in all their years of practice does not make sense to them.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm filing a complaint about late payments on my credit record. I've reviewed my records and found these late payments. I sent letters about this over 30 days ago but haven't received a response or satisfactory validation. I'm requesting help to resolve this quickly and effectively.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

I am a Chase bank customer with a checking account. I am not enrolled in overdraft assist/protection or debit card protection. On the following dates these recurring charges were allowed to be processed by Chase without my consent, although I did not have the funds in my checking account. 

{$440.00} XXXX XXXX XX/XX/XXXX {$100.00} XXXX  XX/XX/XXXX {$8.00} XXXX  XX/XX/XXXX {$7.00} XXXX XX/XX/XXXX {$27.00} XXXX XX/XX/XXXX {$5.00} XXXX XX/XX/XXXX For each of these transactions I was charged separate fees of {$34.00}. This caused me to be further and almost inescapably in the negative due to my current situation. Had I not been charged these fees I would have comfortably been able to resolve my situation with my paycheck. 

On XX/XX/XXXX I reached out to chase bank and one friendly customer service representative was able to process refunds for XXXX of those fees, totaling {$100.00}, then stated that the other XXXX were denied due to reaching the refund limit. I stated that I did not agree to those charges and that they need to be refunded, and asked to speak to a supervisor who could override the refund limit. She put me on the phone with XXXX the supervisor who was completely helpless. He stated that there is no one in the company who can override this curtesy refund limit. I informed him this should not be a courtesy, I didnt consent to be overdrafted in the first place, and if he wasnt able to help me with the situation then I would prefer to talk to whoever has more authority than him. He stated that there is no one available, and that even if there were, the outcome would not differ. I insisted on waiting to speak to another supervisor and he kept repeating the same thing and stated he would end the call if there was nothing else he could help with. I insisted that my issue was not resolved, and to not hang up as that would be unprofessional, and that I would simply like to speak with someone else. He then proceeded to end the call. 

At this moment I would simply like the remaining {$100.00} to be refunded, something that would not even make a dent in JP Morgans earnings, meanwhile us working class are struggling to pay for basic living expenses. 
I will also be looking into ending my checking account with Chase Bank and finding a financial institution with policies that better serve their customers.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (IN)

My bank account with BMO was falsely closed and didnt provide reasoning as to why my account was closed. Instead of issuing me a check for the remainder balance in my account BMO sent my funds to unclaimed property without reasoning or asking me to provide documentation for my balance. I received a IRS business tax return which was deposited to my last bank which was XXXX XXXX  and I decided to end my banking relationship with them and come to BMO. By doing so I cashed my check from XXXX with BMO and BMO randomly closed my account after verifying the check and letting the funds clear. After falsely closing my account and sending my funds to unclaimed property without asking for proof of documentation. This has to be illegal, I spoke to XXXX different BMO executive agents each all told me different things without explaining why my money was being sent to unclaimed property. The first executive agent told me my account was closed and a check was being mailed, the second agent rudely told me there is nothing he can do and my money is just gone, and the third agent stated I need a hold harmless letter/claim from XXXX XXXX so that can BMO can release my funds back to XXXX XXXX XXXX XXXX XXXX doesnt even know what a hold harmless letter is, BMO didnt even ask for additional documentation before sending my funds to unclaimed property.