davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I booked a flight in XXXX using XXXX points with my chase card. 

The flight was canceled at the airport due to a maintenance issue ( airline 's fault ). The credit card company received the refund instead of me, and has not given me a refund for the last 4 months. They gave me assurances that they were creating a case and were going to refund me within 1 month back in XXXX ( they didn't ). I called again today and they still couldn't refund me the points even though they previously assured me I would get my refund. 

I feel like I was stolen from by the credit card company and airline company, left with lots of damages from this experience ( XXXX never responded to the complaint letter that I submitted about this experience ). 

Chase case numbers and XXXX  refund numbers were provided but no satisfactory resolution was commited to by the company. I feel I need to sue them to get my refund. Beware using points because the credit card company doesn't offer any resolution when things go wrong...
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc. (GA)

Applied for credit card on XXXX, from Avant ( avant.com ), which was advertised in my XXXX account. I was approved immediately for a {$300.00} Avant credit card. I was then directed to complete a profile and login for their website Avant.com. I completed my profile with my contact info, address, email and successfully completed the email verification. However, the web site was unable to send me a text message for verification. This was a required step. I was never able to complete this step and yesterday XX/XX/year>, I learned that my application was cancelled. I tried to resolve the issue prior to learning my application was cancelled ( yesterday ) in numerous ways : By calling their support ; By speaking with a support person who said she would call me back ( who never did call me back ) ; And by emailing the support email provided in my online account ( XXXX ). In fact, I emailed the Avant support team more than 5 times, each time requesting their assistance with the verification text. Avant support replied with " Please contact us at your earliest convenience. You can reach us at XXXX and any of our representatives will be happy to assist you. '' Please see emails attached. Many times I was provided with a canned reply, in that it did not address my concerns or questions in any way. The problem is that even when I have called and emailed I was unable to complete the simple verification step. I have no problems getting verification texts from other companies ( XXXX, XXXX, XXXX, my bank ) and I believe this entire process has caused me harm. By pulling my credit, gaining access to my personal information ( personal data ), Avant acted fraudulently because they never intended to give me a credit card. The fact that I was unable to complete the verification step on the phone with the Avant reps or via 5 emails with their support team raises serious red flags about the integrity of this business. The website does not work, and their support staff was unable to get me verified. Very fishy, unprofessional and dark ages tech. They cancelled my application because I " did not complete the application process '' due to the text verification, yet no one at Avant was able to help me or to address their website problems.
Consumer complaint received 2024-09-16
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Peer Advisors, LLC (GA)

My grandmother passed away in XX/XX/XXXX. I am her only living heir. She died without a will, and the court appointed me the executor of her estate. I probated her estate shortly after her death, and finalized all her affairs. I am still in possession of her home. 
Almost two years to the date after her death this past XXXX ( XXXX ), I received a phone call from a company called " Compulink. '' The caller left a voicemail with no details other than she was calling in regards to the address of my grandparents ' property. She left her name, call back number, and her extension number. I assumed it was a scam, but called back. She did not answer, so I left a message asking her to return my call. She did not, and has not since then. 
I have called several more times over the course of several months, left numerous voicemails, and have never received a call back. I also have not received any mail or email correspondence from this company at all, either. 
Yesterday, a neighbor saw that a notice had been taped to her front door. The notice is from this same company, listing the exact same phone number I have been calling for months to no avail. 
After calling my attorney, we were informed that my grandparents had in fact taken out a reverse mortgage, more than ten years prior to my grandmother 's death in XXXX. It appears the reverse mortgage was initiated by XXXX XXXX, but was sold to several different companies since then. I was unaware of this, and did not encounter anything as I was probating her estate that would indicate she had a reverse mortgage. 
Now that I am aware of it, I want to immediately take the appropriate steps to get it resolved. It is impossible to do so when the company that owns the reverse mortgage refuses to return my phone calls or send any correspondence at all.
Consumer complaint received 2024-09-10
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: BMW Financial Services NA, LLC (NJ)

I am filing a formal complaint against BMW Financial Services because they have violated my consumer rights. BMW Financial Services did not give me a chance to opt out before sharing my personal financial information with third parties, including other financial institutions and credit agencies. This is against both federal law ( Gramm-Leach-Bliley Act ) and New Jersey state law ( NJ Data Protection Act ). I told BMW Financial Services that I did not agree to them sharing my private information. They responded by saying that they have the right to share my information according to their Privacy Policy. However, their Privacy Notice says that information collected by financial institutions is subject to federal privacy laws and states that they wont share information about New Jersey residents with non-affiliated third parties, except as allowed by New Jersey law. I have never signed any agreement allowing v to share or sell my personal information. I have requested a detailed account statement, including evidence from an authorized representative, to clarify who funded the account and the actual amount owed. Instead, BMW Financial Services only sent me a copy of the Promissory Note, which shows multiple violations of the Truth in Lending Act. I have instructed BMW Financial Services to send all correspondence to a specific address and stated that any mail sent to another address is inconvenient and an invasion of privacy. Despite this, they continue to send mail to an address that is difficult for me to access. BMW Financial Services actions are a form of identity theft, as they are sharing my personal information without my consent. This is an abuse of their legal authority and attempts to collect debts through unlawful means. According to federal and state laws, I should have been given a reasonable chance to direct that my personal information not be shared. The contract and Promissory Note in question are invalid and unenforceable. I am seeking damages for violations of the Fair Credit Reporting Act, Truth in Lending Act, Uniform Commercial Code, and New Jersey consumer protection laws.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Allied Collection Services, Inc. (Nevada) (CA)

XX/XX/XXXX i was sent to claims for an unpaid balance of {$2100.00} for a storage unit in XXXX XXXX, CA. I did not rent it my landlord rented it, I closed the rental and returned the keys and I moved out of the country. I received a call from Allied Collection Services saying I owe for 2 months rent for a storage unit. I never rented it and how can I rent it if I am in another country, they never sent proof. I asked both XXXX and XXXX to remove it from my credit report on XX/XX/XXXX and I filed a ID Theft report on XX/XX/XXXX. Neither have removed it and XXXX sent an update on XX/XX/XXXX that was not an update, only the original dispute paperwork, they just replied with the application.
Consumer complaint received 2019-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (IL)

I am paying on a bill directly with the provider XXXX. I am actually close to paying the account off as the bill was reviewed and I was granted a discount. In the process of the bill being reviewed, the account was turned over to Receivables Management Partners for collection attempts. Not only are they requesting the full amount of the bill from me, but I am being harassed by them on a daily basis. I have called them many times to advise. I emailed them ( per their request ) proof of payment and the letter from XXXX advising the discount on both XX/XX/2019 and XX/XX/2019. I know that they received my emails as I put a receive receipt on it. I have informed RMP many times that I am already paying on this account and they need to remove my account from their system. I even spoke with XXXX, and they confirmed that they notified RMP In XXXX that the account should be removed. I have no idea why I am having to do so much leg work on something that is not my fault. 

Example of Calls- XXXX One call XXXX 3 calls XXXX 1 call -These calls are from numbers that I was able to identify. I am pretty sure that there are more as I have a ton of missed calls from unidentified phone numbers.
Consumer complaint received 2024-08-04
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. (OK)

In accordance with The Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

ACCOUNT NAME. ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602a states : I have the right to privacy. 

15 USC 1681 section 604a section 2 states : a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any Consumer Report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which anteater the report by seven years. 

15 USC 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to the believe that the information is inaccurate. 

15 USC 6802 ( b ) ( 1 ) states : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2019-10-14
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. (IN)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX ****XXXX not mine XXXX XXXX ****XXXX never late XXXX ****XXXX not mine
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/XXXXXXXX XXXX XXXX XXXX : I deposited a check for {$2500.00} issued by XXXX XXXX XXXX through the Chase app. 

XX/XX/XXXX : Chase restricted my account and sent an email stating that my account would soon be closed. 
Around XXXXXXXX XXXX, I called Chase to inquire why my account was restricted. Chase informed me that the check was under suspicion and needed to be verified to determine if it was fraudulent. They requested the " company 's phone number '' that issued the check, and I provided the phone number of the company 's president. 

XX/XX/XXXX : Chase deducted {$12.00} as a monthly fee and then reduced my account balance to {$0.00} under the description " debit DDA-check charge, '' leaving {$2500.00} missing. 

XX/XX/XXXX, XXXX : I called Chase to ask why my balance had become {$0.00} and inquired about the " debit DDA-check charge. '' Chase stated that they suspected the check was fraudulent and requested the " verified phone number '' of the company to resolve the issue. 

XX/XX/XXXX : As shown in the attached photo, my account was closed. Around XXXX XXXX, I called Chase to ask why my account was closed. They reiterated that the check was still under suspicion and that they needed a " verified phone number '' to resolve the issue. 

XX/XX/XXXX : I asked the company president for the " verified phone number '' and received a different number from the one I had initially provided to Chase. I then called Chase and provided this new number. However, Chase stated that this was also not the verified phone number they required. 

Chase informed me that without the verified phone number, they would not release the {$2500.00}.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When the XXXX seeks civil penalties against a defendant for securities fraud, the XXXX XXXX entitles the defendant to a jury trial. 

SEC XXXX XXXX, XXXX XXXX ___ ( 2024 ) Transunion under a Federal Lawsuit reporting negative information affecting my credit Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX www.transunion.com/myoptions Information about Your XXXX XXXX In addition to your credit report information, we also obtained your XXXX XXXX from the consumer reporting agency listed below and used it in making our credit decision. Your XXXX XXXX is a number that reflects the information in your consumer report. Your XXXX XXXX can change, depending on how the information in your consumer report changes. 


Your XXXX XXXX : XXXX Date : XX/XX/year> Scores range from a low of XXXX to a high of XXXX Key factors that adversely affected your XXXX XXXX : Derogatory public record or collection filed, XXXX since delinquency is too recent or unknown, Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high, Proportion of loan balances to loan amounts is too high
Consumer complaint received 2024-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (TX)

On XX/XX/year>, I submitted a request to my mortgage loan provider, Newrez, for a forbearance on my loan due to a short-term loss of income and to complete process for my PMI to be remove from my mortgage which I was working with my previous provider before Newrez bought my loan. On XX/XX/year>, I received a call from Newrez ( XXXX ) loss mitigation specialist, XXXX XXXX. He called to make me aware they receive my paperwork for forbearance and that he was going to ask me some questions to finalize the process. I spoke with him for 20 minutes. He went over that I was approved for my forbearance due to loss of income and that my PMI would be removed starting in XXXX. I was told to call him back because he was my point of contact in " late XXXX '' to restart my payment on XX/XX/XXXX and to get my owed payments deferred. On XX/XX/year> I received a notice from Newrez that my mortgage was in default and 60 days late. I called XXXX XXXX and left a voicemail on XX/XX/year>. I didn't receive a call back so I called again on XX/XX/year> and left a voicemail. I didn't receive a call back so I called the general line to Newrez to ask about the status of my loan. I spoke to a representative that told me it doesn't look like forbearance was approved and XXXX XXXX would call me back at XXXX on XX/XX/year>. On XX/XX/year> at XXXX, I received a call from XXXX XXXX and spoke to her for 24min. She made me aware that XXXX, mistakenly put my status as no longer needing forbearance so that is why I was receiving letters. XXXX resubmitted forbearance paperwork and let me know I would pay my next payment on XX/XX/year> and the money owed would be put on the back end of my loan. Additionally, they don't see my payments for XXXX and XXXX that I made. XXXX was paid on XX/XX/XXXX according to my bank records at XXXX and XXXX was paid on XX/XX/XXXX according to my bank records at XXXX. 
My current status is Newrez at reported my payment history to credit bureaus as 90 days late, they're claiming they didn't receive 2 of my payments that show under my bank activity, my PMI still isn't removed, and they're not submitting the forbearance paperwork they approved.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Initial complaint # XXXX New complaint submitted to attached updated FTC Report Report was updated to include inquiry dates although dates are clearly listed on dispute letter. Initial report also did not include Equifax and XXXX, the two entities reporting incorrect information that has been identified as fraud. 

See Attached
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1 ) Account Name : XXXX  XXXX XXXX Account Number : XXXX 2 ) Account Name : XXXX XXXX  Account Number : XXXX 3 ) Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-01-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Credit Service of Logan, Inc. (WA)

This company was given to me by a broker to purchase a property. they approved me in XX/XX/2018 and still havent done the loan after I paid them XXXX for down payment and fees. Since they didnt fund the money i lost the sale of the property in XX/XX/2018. I gave them down payment money and money for all kinds of fees in the tune of XXXX, XXXX XXXX ,XXXX and more. I wired the money to an acct and was promised after the last fee i would get funded. 

But every time i came thru with the money they came up with another fee. Then in XXXX the EVP and CEO said no more fees after I pay this last one i would be funded. and guess what they asked for another fee from the investors. A commitment fee of XXXX. That was it, I was done, Now they wont give me my money back and are telling me I will only get back 53 % which is {$68000.00} and they are keeping XXXX and for what. and I wouldnt get it back for 6 months. Now i never was given a fee schedule upfront, nor was i told about any extra fees only a down payment in which I paid. 

I didnt get the loan and tried to cancel many times when they kept coming up with fees and all they would say is lets work together to get this money. I will help you. So they said they had people putting in money to help me and when i had the last part of XXXX in XXXX, i was told they gave some money back so i owe more. this was a total lie and scam. Theyhave made up so many fees and lies and I asked many times for this in writing and I never got it. And the CEO said no more fees and they did one more fee. Everytime i heard this actually 8 times. I have all the emails and text for the past 10 months that i can provide to you.