davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX this lady named XXXX XXXX sent me a message on XXXX XXXX who ask me about a property for sale, I told her yes it is available, then she said that her boss wanted to buy it, then she asked me for my business number the next day, received a message via XXXX Business by this guy named XXXX, stating that indeed he wanted to buy a property in XXXX XXXX, gosh he had me working even on the weekends trying to find the perfect property for him, then about 10 days later after sending messages back and forth out of nothing, he started to tell me about XXXX, I then told him i dont know anything about it, he told me i should start doing it to get more money, he told me i should start with XXXX which I wire from my bank account, i profit {$290.00} they let me withdrawa with no problem, then after the funds were received in my bank account I honestly believe in this person, next thing this guy convinced me to wire more and more, then when trying to withdraw the larger amount on XXXX they refuse to do it and said ilhave to pay 15 % of my profits for taxs, which was $ XXXX, I went crazy trying to cash in, I liquided all my credit cards when I finally made it to the $ XXXX IMC trading told me that I must of have done something illegal and for this reason now I needed to pay another $ XXXX, I started to cry then XXXX said not to worry he will help me to withdraw my funds with no problem, I shoud raise some funds then he will help me with a part of the required funds, I applied for personal loans then finally I tried to withdraw all my funds on XX/XX/XXXX, but my previous withdraw attempt XX/XX/XXXX status keept saying ( its to be reviewed ) never got updated THEREFORE I could not withdraw any funds until this is cleared, I tried sending messages to IM trading never replied to me anymore, and at the same time XXXX disappear, never replied to any of my messages or calls, ther message XXXX XXXX on XXXXr , she said XXXX went bak to XXXX for XXXX, now until this day I am trying to get help, I got XXXX surgeries this year, I just went back to work, I have an autistic XXXX XXXX XXXX child and will file bankruptcy, this is so discouraging, this money was supposed to be to buy a house for my son, anyone please help! Thank you
Consumer complaint received 2024-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (AL)

Please provide the following information : 1. The name of the original creditor, along with proof that you are authorized to collect this debt on their behalf.

2. A detailed statement of the alleged debt, including the amount, interest, fees, and how these amounts were calculated.

3. Proof that I am legally obligated to pay this debt.

4. Any documentation showing that I agreed to pay the alleged debt.

5. A copy of any judgment, if applicable.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/year> I deposited XXXX checks issued through US Treasury, from XXXX. Chase Bank cleared funds for a XXXX dollar check, yet put the XXXX check in " hold '' When I called in Chase informed me that my account has been closed for an undisclosed reason and all funds are " Suspended '' ( stolen ). I had {$750.00} remaining in my account for hurricane relief. 

Now my children and I are facing XXXX
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION (GA)

I am unable to open account with any bank. Ive received communication saying that I've already had an bank account and owe an balance on the bank account when i indeed have not had this bank account. Ive tried also going into the bank without any resolution as well
Consumer complaint received 2024-10-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

I recently as of XX/XX/year> completed XXXX XXXXXXXX bankruptcy with the courts in XXXX SC. All arrears and current monthly payments were made through the trustees office. A notice was sent to all creditors prior to case closing to respond if any outstanding balances remained. The courts did not receive a response from the mortgage company or any other creditors. The XXXX XXXX bankruptcy case was then closed by the judge. I have maintained contact with my lawyer and the mortgage company. The mortgage company is now saying that my pmts are 3 months behind and will not give me any reason as to why. I have copies of all pmts make through the courts and of pmts I have made as well. They would not send me monthly mortgage statements throughout the bankruptcy and only began to receive statements as of XXXX weeks ago. I have tried to get to the bottom of this as well as having my attorney contact their attorneys. NO ONE will tell me what all these fees are for and I refuse to pay any late or any other extra fees other that the monthly pmt due. My lender is Lakeview Loan managed by XXXX. They say I anm currently behind by over {$8000.00}
Consumer complaint received 2024-10-31
Product: Credit card — Store credit 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: CITIBANK, N.A. (MD)

I'm a XXXX traveler who open credit cards at all major departments stores. Around XXXX. 
I moved change of state residency, to the state of XXXX around XXXX. 
All major departments stores credit cards database computers was established on a XXXX  driver license. Around XXXX. 
Home address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Recorded on database computer, at said address Around XXXX. 
I lost all my major departments stores credit cards
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was a victim of identity theft and lost my wallet and phone. Someone deposited an check in my account that was altered and it was not me. I disclosed this information to Bank of America. They denied me to open an account and did not investigate that I had identity theft. A police report was filed regarding my information being used.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Account number XXXX In the later part of XXXX, I received a loan from XXXX XXXX auto for a XXXX XXXXXXXX XXXX XXXX. The vehicle was purchased from XXXXXXXX XXXX in XXXX. 

Immediately, after obtaining the loan from XXXX XXXX XXXX, my loan was miss handled and placed on multiple deferment programs during the height of the coronavirus pandemic. XXXX XXXX XXXX representatives commonly referred to these programs of deferment as the best course of option with regard to my auto loan. At times, the representatives almost pursued these deferment programs forcefully. After being placed on these deferment programs, I found out that my account with XXXX XXXXXXXX XXXX was reporting as late or behind multiple month payments. The result was a continuous reporting to the XXXX credit bureaus that I was behind on payments. This continuous late payment reporting caused me to never actually be able to catch up on the loan, or, get my account into current status. I called XXXX XXXX XXXX multiple times to get my account current and stop the reporting of negative information to the XXXX credit bureaus. All of my calls were unsuccessful in resolving the problem. I was actually never able to convince the representatives to assist me in fixing my account so that I would stop receiving negative marks on my credit profile. 

I also called XXXX XXXX XXXX multiple times to have my account set up to take out automatic payments, I even called to have multiple payments taken out in XXXX month. With all of my preemptive actions, I was never able to get that account current. This miss handling of my auto loan at XXXX XXXX XXXX resulted in the car loan currently being in repossession. Despite multiple efforts to come to an agreement with XXXX XXXX XXXX about the negative reporting to my credit profile. As well as being placed forcefully on multiple different programs.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NV)

I know that I recieved at least 10 remediation checks and on XX/XX/year> when I called them the lady could only find 6. I need all 10! Im enclosing photos of all mail that I recieved from Wells Fargo that includes my bank statements, letters before the checks amd tbe checks with the enclsires that I need! I also have a photo of 5 of tbe checks if this will help any. I believe thst they all were for Affinion products that I did not request on my account. 
Here are the tracking numbers thst she gave me for the 3 checks. And yes there was 1 check for {$16.00} so I believe thete was 11 or 12 total checks! XXXX XXXX XXXX. XXXX XXXX XXXX THANKS Why would tbey not have record of at least 4 checks they sent me? Makes no sense!
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (ME)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

When I opened my account in XXXX Wells Fargo waived all fees because I had a mortgage with them. For 14 years I've had fees waved. XX/XX/XXXX I had a {$10.00} service fee. I called to have an explanation, they said my account changed and I had to meet the requirements to have this fee waived. I never got a letter from them notifying me of this change. The banker apologize for not receiving a notification and he said unfortunately we can't waived charges because my account was discontinued. I try to see if they would honor my old account and answer was NO. I'm very disappointed in how wells fargo handle this so called change of account without my knowledge. They will be loosing my business.
Consumer complaint received 2024-10-31
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Dakota Financial, LLC (GA)

Basically I purchased a truck from XXXX XXXX XXXX XX/XX/year> and Dakota Financial in XXXX XXXX CA was my finance company. To get the of credit it would take to purchase this vehicle I had to pay XXXX downpayment. I believe that's illegal under 15USC1662 ( b ) but I was unaware at the time of purchase. So I put XXXX down on this used vehicle and I was told by my salesman at the time Dakota Financial will send all my paperwork and contracts the following week. I never received a contract from Dakota Financial even to this point. I was told my loan would be for 42 months at XXXX per month. I never received that in writing just word of mouth. I requested for my contract several times to be ignored and blowed off. I made payments on this truck with downpayment /repairs and truck payments of {$93000.00} and I have not had a chance to review any contract. I asked for my original contracts and they were never provided. I was transparent with this company and explained to them in XXXX of this year my XXXX XXXX was blackballed in the industry for me standing up for my rights because of a short payment from a brokerage. I let them know everything that was going on and in XXXX my family found out my mother had stage XXXX XXXX XXXX. During this time I still made payments and repaired my vehicle, brakes, tires, and shocks, along with paying this company while my company was blackballed and that prevented me from making revenue since a lot of shippers use XXXX XXXX XXXX. So the rates became really bad once I was able to get back in my truck and during that time I was also paying my insurance in the amount of XXXX per month. So I went back to work but I had an uphill fight as I'm a XXXXXXXX XXXX XXXX. In XXXX I spoke to XXXX and she asked if I could make a full payment on my account I explained to her I would do my best and she said if I couldn't she would have my truck picked up. I told her if I couldn't then I wouldn't waste anyone 's time because I explained I had not had a check to go to my home in 7months because of my expense. She got XXXX and escalated my account for no reason ( Please Request Copy Of Phone Calls I made they will detail everything ) So I was upset and I left a XXXX review and the owner responded to contact XXXX XXXX so I did contact her and she told me if I made the payment my truck would not be in repo status. So I made the full payment and then every payment I was facing repo because of this XXXX lady. But I started to notice no money was going towards my vehicles they would take my money and put them towards late charges so after 20months of payments and a XXXX downpayment my truck balance was still XXXX but the original amount was XXXX so please investigate this company and all the employees. I believe they are illegals within the structure of the company as well. This company is the definition of a predatory lender.
Consumer complaint received 2024-10-31
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: ProCollect, Inc. (FL)

I moved out of XXXX XXXX XXXX apartments in may and never recieved a bill for damages. Property manager proceeds to send the debt to Procollect , Inc. without talking to me first. I paid off the dept immediately ( would have payed to begin with ) and they will not delete the record from my report as requested. I don't feel this collection is justified given that I never recieved communication from ProCollect that I owe money. No call, no mail, nothing. I am now dealing with storm damage and can't replace my car because of their misleading dirogatory remarks. XXXX also did not send a bill, or call my number telling me I owe money. Would have paid them that day. They say it was emailed to me but I don't see one and I don't think that's acceptable to not follow up.
Consumer complaint received 2024-10-31
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION (MA)

We have a loan modification for {$4000.00} a month that is effective XXXX and they want to charge is an additional {$3000.00}. Never got this in writing and wasnt part of the agreement. 

XXXX, You have been approved for a XXXX XXXX 3 month trial plan ( TPP ) Details are as follows : - You have been approved for a 3 month trial plan from XX/XX/XXXX to XX/XX/XXXX - Your new payment is {$4000.00} - Your old payment was {$4500.00} - You saved {$520.00} per month on your mortgage payment - You new interest rate is 6.5 %, up from 6 % - Your new loan term has been extended to a 40 year term - All foreclosure activity has been suspended - Once the 3 month TPP is paid, you will receive final docs that will need to be signed, notarized and returned in the return envelope provided- Please make sure the notary states the verification of identification when signing, XXXX. if verified via driver 's license, it must be noted- Please be sure to make your payments on time. Should the final docs not arrive directly after the XXXX payment is made, be sure to continue making the above mortgage payment, as this will be your payment going forward - There will be a final escrow analysis and escrow XXXX go up or down. This will be the only variance in your payment- You must call M & T to let them know you accept this offer - The offer should be mailed out by tomorrow Please let me know that you've read this email and understand your responsibilities and let me know if you have any questions! 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone : XXXX Ext. XXXX Phone : XXXX Ext. XXXX Text Only : XXXX Fax : XXXX *Please confirm all doc requests, as they are time sensitive. All docs must be faxed or emailed in PDF format only. All other formats will be rejected. Delays in providing docs will result in a denial, thus adding time to the process. Please be proactive to ensure success.
Consumer complaint received 2024-11-01
Product: Credit 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: JPMORGAN CHASE & CO. (FL)

I paid for a taxi ride with my credit card. The amount I sign for was XXXXXXXX XXXX XXXX XXXX XXXX XXXX That was approximately {$21.00} XXXX. The amount I was charged was XXXX XXXX XXXX {$2100.00} XXXX ). I disputed this with Chase bank and Chase found it was a legitimate charge. I believe this was a scam by the taxi driver because the amount on the visa machine showed XXXXXXXX XXXX The taxi driver would not provide a receipt. Now chase is charging me {$2100.00} because I cant produce a receipt.
Consumer complaint received 2024-09-16
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. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-11-01
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (FL)

I have no been with XXXX XXXX since around match XXXX No attempts at sending me a balance via email, text, or phone. 

No way to login in to previous account to verify debt. 

The debt is {$230.00} and just now showed on my credit report.
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

Chase Bank put a hold on federal protest funds and then gave the funds to a collect agency even when I told the bank as well as the collections agency those funds are federally protected now the bank is telling they were protected but I have to get it back from the collections agency