davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/year> I received a notification for a possible fraudulent charge from Chase regarding a transaction of XXXX at XXXX store number # XXXX. Upon receiving this notification from Chase I immediately sent the text No this wasnt me and Chase cancelled my card immediately but still allowed the transaction to go through. I then received another charge from a XXXX store number # XXXX in the amount of XXXX. XXXX cents less which is quite strange especially in that short amount of time almost the exact same amount in which chase allowed as well after I just put no it wasnt me. It was impossible I made those transactions especially in that time frame as I was in XXXX at the time at a restaurant eating which my bank statements should show. I would just like a refund for these amounts its just very unfortunate chase did not investigate thoroughly to determine clearly that they were fraudulent especially when looking at the details. Please do follow up with me anytime.
Consumer complaint received 2024-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC (TX)

XX/XX/year> : Title requested Payoff quote via phone and email with borrower authorization XX/XX/year> : Borrower called XXXX times and was told systems were down, request was sent twice to back office and letter will be received within XXXX hours, and letter will be emailed to me. Also went online and requested the form 3 times and sent an email to XXXX XX/XX/year> : Borrower and Title company called Selene Finance and requested the Payoff Quote and was told the policy is XXXX days sent and not XXXX hours. There is no email or fax option and I would need to put in a request to speak to a supervisor. 

Closing is scheduled for XX/XX/year> and the lack of XXXX 's cooperation has delayed closing which is delaying my future closing.
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

There is a XXXX  XXXX account in my name and I have no knowledge of it I never open it and I try to get it taken care of but no results 15 U.S.C. 1692g is a part of the Fair Debt Collection Practices Act ( FDCPA ) that requires debt collectors to follow certain guidelines when validating debts. The law protects consumers from unfair and abusive debt collection practices.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (DC)

Through my Goldman Sachs Apple Credit Card, I reserved and stayed at an XXXX in XXXX, XXXX from XX/XX/XXXX through XX/XX/XXXX. The hosts falsely advertised providing stable internet/Wi-fi which is crucial to allow me to work remotely. The lack of internet led to hours upon hours of troubleshooting which not only resulted in lost wages but also cut into the few hours of leisure time I had per day. In addition to this, the TV did not work and service men entered the unit without asking and with shoes on tracking mud through the entire unit including the bathroom and where XXXX XXXX. Not only do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sincerely tried resolving this with XXXX hosts directly, then customer service but they refused to qualify this as an issue that deserves a full refund. They did not look at the nuance of this situation ( which is that I lost income due to these scammer hosts ) and refunded me a measly {$270.00} ( out of {$1000.00} ) which is their standard practice when any amenity is missing and told me the solution would be for me to rebook with another host in the area. This was an inappropriate " solution '' to offer because it was peak holiday season and a last minute rebooking meant to price of comparable listings had nearly doubled. XXXX ultimately told me they would do nothing more for me so I filed a dispute through Apple and explained all of this in the hopes that they would resolve it on my behalf. Not only has Apple not done this, they have denied my dispute 3 times to date. This most recent time, I even submitted evidence in the form of screenshots with the hosts and XXXX customer service, and spoke to multiple customer service representatives ( both virtual and by phone ) - but never the arbiter themself. The most frustrating part of this process came when they sent the dispute summary via paper mail and stated " XXXX XXXX did not communicate with the XXXX customer service team regarding their reservation ... XXXX XXXX did not seek assistance to resolve their issue ''. This is a complete falsehood and demonstrates to me that the dispute resolutions team at Apple is not reading the evidence submitted and working on behalf of their clients. To make matters worse, now that we are out of the 90 day window from the original dispute, I can no longer challenge XXXX about this charge directly.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (FL)

Date of Incident : XX/XX/year> Companies Involved : Apple Card/GS Bank USA Description of the Issue : In XX/XX/year>, unauthorized transactions were made using my Apple Credit Card through the App Store . These transactions involved multiple charges of varying amounts. Despite my repeated attempts to address this issue with Apple, the company was reluctant to assist and did not take significant actions to resolve the problem. 

Financial Details : Multiple transactions of varying amounts were charged to my Apple Credit Card.

Actions Taken : Initial Contact : I reported the unauthorized transactions to Apple, seeking a resolution. 
Company Response : Apple did not take meaningful steps to address the issue or resolve the fraudulent charges. 
Outcome : The issue remains unresolved, and there was no effective support or resolution provided by Apple.
Consumer complaint received 2024-08-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

Commencing on or about XX/XX/year>, I fell victim to a multilayered scam operation orchestrated XXXX XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacturing, promoting, marketing, distributing, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the client losses to gains. 
It should be noted that the Company, which is a client of yours, registered as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is committing financial crimes right under your nose, which involves, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred in the total amount of XXXX USD utilising your services ( See attached for reference ).
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (MA)

InXX/XX/2023 I received a debit card from PayPal which I never applied for. I thought the package was ads so I did not open until XXXX. On XX/XX/ when I opened the package and see such card, I feel it must be related to ID theft as I never applied for such card, and it was not shown in my own PayPal account. I contacted PayPal immediately and reported the receiving of the card and urged them to close the card and do fraud investigation on the card and whatever PayPal account it linked to. The representative assured me that there was no activity and I will not be responsible for whatever transaction happened on the related account. 
In XX/XX/XXXX I received collect letter from company named XXXX XXXX XXXX XXXX, claming that I own PayPal {$25.00} from a PayPal deposit account I never owned. I contacted PayPal again on XX/XX/XXXX and they said that deposit account was linked to the debit card I reported in XXXX. Seems after my call they just closed the debit card and send whatever the costs/debt from that account to the debt collector with my personal information without my authorization. They did not offer any solution about how to handle the collect company just ask me to tell them it is a fraud, but the collect company is asking me for more personal information like XXXX and XXXX before handling my case, which I feel uncomfortable to share.
Consumer complaint received 2024-08-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

I am writing to formally dispute the late payment entry on my credit report for my JPMorgan Chase  account, account number This late payment is listed I believe it has been reported in error. 

Under 15 U.S.C. 1666b of the Fair Credit Billing Act ( FCBA ), I have the right to dispute any billing errors, including incorrect late payment charges. This law mandates that creditors must credit payments on the date they are received, thereby preventing erroneous late payment entries. I believe my payment was made on time, and I request a thorough investigation into this matter. 

Additionally, under 15 U.S.C. 1637b, which governs the requirement for creditors to provide timely and accurate billing statements, creditors must ensure that billing practices are fair and transparent. JPMorgan Chase is required to adhere to these guidelines and ensure that all reported information is accurate. If the information they furnished about my account is incorrect, it must be corrected immediately to avoid any further negative impact on my credit.

If you can not verify the accuracy of this late payment, I demand that this entry be removed from my credit report immediately. Failure to properly correct this error may constitute a violation of the Fair Credit Billing Act and related regulations, which protect consumers against inaccurate reporting.

Please provide written confirmation that this late payment entry has been corrected or removed, and send an updated copy of my credit report to the address listed above.

Thank you for your prompt attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

RE : VALIDATION ; CEASE AND DESIST Dear LVNV FUNDING LLC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-20
Product: Mortgage — FHA 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: Freedom Mortgage Company (MD)

Around XXXX of XXXX I started sending 'over payments ' to my mortgage company with a note at the bottom of each check for overages to go to principle. Over the last 5 years, I continued to make 'over payments '. In XX/XX/XXXX, by phone, I asked them to send me everything in my file that is related to my address. They only sent a statement for the next month. On or about XX/XX/XXXX, I was told by phone that I will have the information I requested by XX/XX/XXXX. Then on XX/XX/XXXX, I was told by phone again, it will be processed on XX/XX/XXXX and I should receive it by XX/XX/XXXX. I have not received any of the information I requested and I feel like they are trying to drag me along until they can file foreclosure.
Consumer complaint received 2024-08-26
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: AMERICAN EXPRESS COMPANY (VA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (PA)

I have an XXXX XXXX through Chase. I use this card strictly for XXXX purchases. For some reason, a restriction was added to my account to block XXXX transactions. I did not request this block. Due to this restriction, purchases that I am trying to make through XXXX keep getting declined. I have called Chase twice to get this resolved and each time I am told that the restriction is removed. However, my purchases keep getting declined.
Consumer complaint received 2024-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Valon Technologies, Inc. (CA)

We bought our house in XX/XX/XXXX and had the loan with Caliber Home Loans. We made every payment and in the XXXX for XXXX it shows the mortgage insurance premiums paid. In XXXX we made ever payment with Caliber and then in XX/XX/XXXX the loan was bought by XXXX XXXX. We started making payments with them and in XXXX XXXX from both companies it shows the mortgage insurance premiums paid. 
Then in XX/XX/XXXX we received a letter from XXXX with an escrow analysis and payment update saying that our escrow account will fall below the minimum balance required between XXXX by {$1500.00}. So they were going to address this shortage by increasing each mortgage payment by {$120.00} over the next 12 months. 
This all seems wrong to us as per the payments we have made we have been paying the mortgage companies what they were charging us, which included the payments they needed to make for the PMI. So we shouldn't owe any money and our escrow account should not be having a negative balance that they are now asking us to pay double PMI per month to " try to pay back ''.
Consumer complaint received 2024-08-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OH)

Account XXXX Navient XXXX XXXX XXXX XXXX, DE XXXX Code 15USC 1692 ( c ) Bankruptcy XXXX  Needs to be removed from my credit report Not the original amount
Consumer complaint received 2024-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

I have no proff that this is mine. The company sold my information to a third party. I did not agree or gave promisson to sell my information. They never proved this debt was true. They do not have the right to report it to the credit agency 's.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (MD)

VALIDATION AND CEASE AND DESIST Collection agency : Midland Credit Management Address : Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Midland Credit, I recently reviewed my credit report and noticed a collection on my credit report. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMEX XXXX and AMEX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (MN)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (FL)

Credit Control , LLC is trying on behalf of XXXX to collect fraudulent debt. The parent company has been provided with all of the information, such as identifying information, and a copy of the fraud report from the FTC. Report # XXXX ( identity theft report filed with the FTC ). They continue to harass and send me letters even after they have been notified to cease and desist all communication, and been provided all legal documentation required by law to prove the debt is fraudulent. A hard copy was also sent to them on XX/XX/year>.
Consumer complaint received 2024-08-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: INTERNAL CREDIT SYSTEMS, INC (MO)

Internal Credit Systems , Inc sent harassing claims that me and my son, XXXX XXXX XXXX XXXX, owe a debt that does not belong to either of us. On XX/XX/scrub> 2024, I submitted a letter of debt validation and cease and desist of all communication until the debt has been verified. I also included an invoice for {$1000.00} for violation of our consumer rights of 15 U.S. Code 1692. On XX/XX/year>2024, I received a threatening phone voice message from XXXX XXXX with Internal Credit System. He basically threatened to take me to court and demanded payment on a debt that does not belong to me or my son. I kept all records of calls and any voicemails regarding this case.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/year> at XXXX XXXX, I got an email from Capital One stating, Weve updated your phone number and another email welcoming me to XXXX XXXX. At XXXX I received an email about mobile app verification and then another email saying a new device was recently used to sign in to my account. At XXXX I received an email that saying, Congrats! Your new 360 Checking Account is open. I have never opened an account with Capital One, nor do I plan to. I do not have a checking, saving, nor credit card account with them. I called Capital One and had them flag the account and open an investigation. I also forwarded email evidence to XXXX. I am now following up with all of the credit unions to make sure nothing on my reports are affected.