davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
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: Sequium Asset Solutions, LLC (TX)

I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I recently reviewed my credit report and discovered erroneous information that is not mine. This misinformation is adversely affecting my creditworthiness and character, particularly as I am in the process of securing a new home.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year> I submitted a claim due to fraudulent activity. Over {$1000.00} was stolen out of my account. My debit card was stolen and pin was compromised. I alerted chase bank and they gave me a credit for the items. On XX/XX/year> XXXX stated that they would be taking back a partial credit due to the research they did and stated some of the charges were not fraudulent. The charges they deemed authorized were charges made in a different state. I told them these charges were not made by me and I asked for them to provide proof of an actual investigation. They have stated that there is nothing for them to show me and that there is nothing for them to do. I have never visited these locations or even these states. I have tried numerous of times to get this resolved but they have not helped. This has happened a lot since I have been with this bank and they refuse to refund me money that was stolen from me and not authorized.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BARCLAYS BANK DELAWARE (CA)

1. I have 2 issues, Rewards Program and cash advance, I tried for several months to resolve the rewards program issue, no luck, requirements were that I had to spend over {$50000.00} per year to keep Mosaic status with JetBlue, Barclays provided annual summary that shows over {$50000.00} was spent, they still would not reinstate my Mosaic status, and would not say why. 

2.The cash advance issue began in XX/XX/XXXX, I used my credit card for a {$200.00} cash advance at an ATM machine, I did not realize this was a cash advance, I did not think much of it because I pay my total balance every month. Fast forward to today XX/XX/XXXX, I contacted Barclay 's about a recurring finance charge on my statements, every month I was being charged {$4.00} - {$15.00}, for the last 40 months, after a full day of online chat, I requested a payoff to cancel my card, they sent me the amount, however, I'm unable to pay more than is owed on the card, I got an error message whe trying to process. I have saved a days worth of contradicting chat log, I requested the payment processing to be fixed and they responded that someone would call me within 48 hours.
Consumer complaint received 2024-06-07
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. (VA)

I received an email on XX/XX/year> that stated " Thanks for applying for a Chase Credit card. We are reviewing your application for a XXXX XXXX Credit Card and will be in touch soon ''. I called Chase and told them that I never applied for a credit card. They cancelled the application and directed me over to the Fraud Department. There is a lock on my XXXX Credit Report so XXXX was used instead. I was told that they will remove the " hard pull '' from my credit report. I, then, called XXXX and explained the situation and asked that they put a lock on my credit report which they did and also stated that they would remove the " hard pull '' from my credit report.. They then told me that they would and informed me to file a claim on this website.
Consumer complaint received 2024-06-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (CA)

On XX/XX/2024 ... XXXX XXXX XXXX transferred my account to another service provider ... PHH ( PHH Mortgage Corporation, XXXX ID # XXXX ). 

I received a notice on their App that my mortgage was going to increase {$160.00}. 

I contacted them and they could not help. I spent over an hour on the phones and all they could say is my insurance premium for XXXX is {$1300.00} but do not know what the previous year was because they do not have a record. 

I asked why they didn't have a record, " We don't have a record because we just received your account on XX/XX/2024 and we do not have that information. '' I asked how can they run an analysis without all the information pertinent to my account and they continued to make excuses. 

I got a manager from Insurance Department who was also unable to help and I requested a supervisor from the Customer Service Department who was unable to help.

I can not understand how my monthly mortgage payment will increase by almost {$200.00} from a company that does not have my 100 % information to conduct an accurate analysis. 

This has been a horrible experience and I am certain I am not the only new customer from XXXX XXXX XXXX that they will be receiving escalated calls regarding this matter. I am not one to accept " excuses '' that they do not have the information to help me. " Well, clearly they had enough information to try to XXXX over a customer without all the information. ''
Consumer complaint received 2024-06-07
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. (AL)

Chase bank contacted me about a credit card application in my name. The application was submitted on line on XX/XX/year>. Th person submitting the application was identified as XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, phone XXXX XXXX XXXX ( phone is disconnected ). I told the Chase representative that I did not approve this application. He canceled the application and referred me to Consumer Financial Protection Bureau. I do not know XXXX XXXX and have not been to XXXX in the last 21 years.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc. (TN)

I opened a Self ( Lead Bank ) credit card account to help build my credit. I paid it off and closed the account because it didn't help my credit score -- it was paid off XXXX of XXXX  -- according to my credit report ( see attached ). Since then, I have gotten an email every month saying my credit card payment ( from SELF ) is due. I verified that this isn't a fraud. However, they kept emailing me every month for over two years. Now, today, they sent an email that says they might report my non-payment to the credit bureau. As I said, my credit report says it has been paid off since XXXX. But the email ( attached ) says I am 20 payments past due. If they report this, it will destroy my score.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Current Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Elevate Recoveries, LLC (VA)

On XX/XX/year> a company called Elevate Recoveries LLC opened a collections against my credit. Listed under Original Creditor Name it again lists the company Elevate Recoveries LLC. I have never been contacted by or associated with Elevate Recoveries LLC nor do I owe any money that would be sent to a collection agency. I have never received notice in any way that I owe this debt and have never heard of the company listed. Upon searching the company, it appears as though many others have come across this issue and also say they have no association and no reason why this would come up on a credit report. The amount owed states {$1200.00}. This is a false claim and I will dispute it until I can prove this is untrue and is taken off of the credit report. I have also made a report with the XXXX
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (VA)

Information, and the importance of that information in order for the consumer to make informed proper decisions with the respect to using credit or choosing not to use credit. Is paramount in relation to the ramifications that a decision made out of being unaware when there was no formally Visceral inherent way of knowledge no know how of a change that was made without there knowing. It is with respect of this institution that I say this in a sense of frustration. To make a change without making the consumer fully and evidently aware is a UDAAP Violation. So in order to attempt perhaps make sense of this further, and hopefully come to some reasonable resolve I am filing this referral in relation to the credit decisions that was allegedly made on my United airlines chase credit card account. Originally my credit limit was XXXX dollars This limit was lowered without my knowledge. The ramifications of this effected not only myself but the person I attend to because I have an individual living with me that I support that XXXX XXXX XXXX XXXX years ago and I there only source in this country to help. This not only will possibly effect the reputation of chase but could effect much more. Out of the natural assumptions that this limit would be at XXXX because of falling slightly behind due to a family members illness and having to take of work for a few weeks I had the credit card set up for paying towards my auto insurance. Which covers not only myself but the person that I care for that lives with me and there car. While I will be able to pay for the auto insurance this change in limit that was not properly disclosed effects everything else because it increases the usage limits and then suddenly changes my whole budget aspect when I already must deal with the ramifications of recovering from the pandemic still because of the added stresses of having to attend to another that lost their job. On top of this all the fact that work for a bank and I am in the position that reports these type of regulatory violation to the executive office is surprising albeit beneficial int eh same respects as I see first hand the frustrations of not being evidently aware and how those lack of Knowledge to the unaware persons effects them. My aim is to resolve this process by hopefully bringing my limit back to the original agreed upon amount of XXXX dollars. With respects I will say that I have the outmost respect for chase they are a stellar bank. However when something like this happens they should call directly leave a voicemail at least let it be known so that someone like me wont make a choice that will cause an issue.
Consumer complaint received 2024-06-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I request that the XXXX XXXX XXXX develop standard wording and format for wiring instructions so that all banks in the XXXX and internationally use the same standard wording and format. Frequently, when I send a wire the bank from which I'm sending is uncertain to whom account numbers apply : the final recipient, an intermediate bank, or the final bank? This wastes considerable time and puts money at risk. 

For example, today, I tried to send an international wire transfer from XXXX XXXX XXXX Bank to XXXX XXXX  XXXX in XXXX. However XXXX did not understand the wire instructions. XXXX couldn't figure out whether the account number in the wire instructions was for the final recipient ( my son ) or for another entity. I will check to find out. However, this kind of confusion is common when I try to do either a domestic wire or an international wire, particularly about who the final recipient is ( a person or a bank? ) and who owns the account numbers. 

Wire transfers are lengthy processes that take about XXXX minutes. So, getting information and starting all over wastes considerable time. I urge you to do a project that standardizes the wording and format of wire transfer instructions. 

Thank you, XXXX XXXX
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (MS)

Upon reviewing my credit report on XX/XX/year>, across all major credit bureaus, I was alarmed to discover a negative collection entry attributed to a company called RADIUS GLOBAL SOLUTION, claiming an outstanding balance of {$110.00}. To my knowledge, I have never engaged in any transactions or received services from this entity, nor have I ever encountered them before. This revelation has caused me significant distress and concern, particularly given my current circumstances. 

As a single woman pursuing a XXXX 's in XXXX, I am already facing various challenges in balancing my studies and financial responsibilities. Without any external support, every penny and every financial decision greatly impacts my ability to sustain myself and continue my education. I have diligently managed my finances, striving to address any debts incurred, particularly those accrued during the COVID-19 pandemic, without seeking government assistance.

In light of these circumstances, I humbly request your assistance in rectifying this erroneous collection entry promptly. Deleting this unfamiliar and unjustified claim from my records would alleviate undue stress and allow me to continue my financial efforts unimpeded. I am committed to resolving any legitimate debts I may owe, but I implore you to consider the gravity of this situation and extend your support in resolving it favorably. 

Your understanding and cooperation in resolving this matter are greatly appreciated. Please feel free to contact me should you require any further information or documentation to expedite this process.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Credit Acceptance Re : Contract Pay Off XXXX XXXX XX/XX/XXXX I sent agreed payment in order to settle installment contract with Credit Acceptance. The above referenced account has been settled in full. The XXXX was supposed to be released. They agreed to report to all credit agencies. I received the letter confirming settlement of account. But information has not been updated with credit bureau.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NJ)

I had a check issued by XXXX XXXX  that I tried to cash & was told by the teller & XXXX XXXX, branch XXXX ID : XXXX XXXX XXXX XXXX, XXXX  XXXX. Tel # ( XXXX ) XXXX XXXX or ( XXXX ) XXXX ; there would be a {$XXXX} fee for non customers. I explained that this illegal because they are the issuer of the check & according to the Banking Act of 1940 are required to honor the check. Moreover, by not honoring the check that are acting criminally by kiting, issuing a check & not honoring the check by funding their promise to fund the funds that are owed by issuance of that check.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX. I was charged {$XXXX} for {$XXXX of product and as of yet, have not gotten a return. Supposedly it will be resolved by XX/XX/XXXX, however, last month I had a similar issue and it was not resolved.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NC)

My account is in " inactive status '', I did not realize that when I moved a large sum of money into the account earlier this year ( XX/XX/year> ). I tried accessing the funds in XXXX and was told I can't take any money out because the account is inactive. 

I was surprised that the bank is willing to accept my money into an " inactive '' account but not willing to disperse my funds. 

I don't live near a Citibank Branch and therefore had to follow their process by mail which is to mail a letter to them in XXXX XXXX Tx to get the account Actived. I first did this in XXXX and again in XXXX. The first time I didn't send the letter certified so they said that is the issue. The second time I did sent it certified and they received it on XX/XX/XXXX. 

Since then I have talked to their " help desk '' 5 times with the same answer everytime which is they have to send an email to their back office. They have acknowledged that they too see they received my letter but have done nothing to move the account out of inactive status. 

I've asked the help desk to put me on with someone in the department that owns this and they only say that is a " back office '' and they can't get me to anyone there. At this point they are just holding my money and not living up to their word to activate my account so I can access my funds.
Consumer complaint received 2024-06-07
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: CITIBANK, N.A. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XX/XX/XXXX THE HOME DEPOT/CBNA XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Re : Account number : XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX for my THE HOME DEPOT/CBNA account. 
I want you to know that I understand my financial obligations, and if it werent for Covid-19, Id have an excellent repayment record. I made a mistake in falling behind, but Since then, Ive had a spotless record of on-time payments. 
It has come to my attention that the missed payment on my record could hurt my ability to qualify for buying a home. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on the said account Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This communication serves as an additional assurance that certain items, identified as potentially fraudulent, will be removed within the forthcoming 15 days. I have diligently monitored my credit reports and, while I appreciate the removal of some fraudulent entries during the previous update, I am scheduled for another update in 15 days. I hope that further deletions of the remaining fraudulent items will be effected at that time. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605, it is mandated that the Credit Bureaus expunge any items listed on an Identity Theft Report, specifically Report # XXXX. The items in question are detailed below for your reference : 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 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 TRANSUNION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (CA)

I am disputing your claim based on the fact that I have no knowledge whatsoever of any account or transaction between myself and any business called Kimball , Tirey & St John LLP Nor is the account number you claim I have with you familiar in the least. 
You provided me with no information as to the nature of this account, any documentation that any such account exists ( outside of your letter claiming such, which does not suffice ). 
Next, I do not have any recollection of any valid contract involving me and the account to which you are alleging/referring too and believe none exists. Thirdly, I was the victim of identity theft & believe the account you may be referring to was opened fraudulently. Unless you can provide some sort of verification that a valid contract exists between myself and Kimball , Tirey & St John LLP, I do hereby request and demand that you refrain from sending me frivolous and unwanted correspondence which falsely claim to bind me legally or financially to an entity utterly unknown to me. If you persist in this claim, then I am legally entitled to demand that you validate your claim per UCC 3-501 ( b ), in order verify the existence of an account in my name which obligates me to you contractually and financially. 
Kimball, Tirey & St John LLP XXXX