davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CO)

I am in the process of selling a home. The Original Mortgage was done by  XXXX   XXXX   XXXX , who was bought out by   XXXX   XXXX   XXXX  .  XXXX   XXXX  then sold the note to NationStar Mortgage. The note was originally secured by 3 separate properties, but the  one  at  XXXX   XXXX   XXXX   XXXX   XXXX , IN was sold and no longer secures the note. The mortgage note for this home is secured by  2  properties. The property that I have under contract to sell is  XXXX   XXXX   XXXX   XXXX ,  XXXX , IN  XXXX  and the other property that secures this note is  XXXX   XXXX   XXXX   XXXX ,  XXXX , IN  XXXX . The Mortgage note is currently held by NationStar Mortgage. On   XXXX  ,  XXXX   XXXX  of  XXXX   XXXX  in  XXXX , IN requested a partial release for the property on  XXXX   XXXX . Today she got a response from NationStar Mortgage with a long list of items required for a partial release. They are : {$250.00} partial release fee, no 30 day lates in the last 12 months, appraisal of both properties securing the note, survey of the property being released, sales contract. The original note does not have any of these requirements for a partial release. I agree that a copy of the sales contract is reasonable and when the appraisal for the property being sold is completed, we will also provide a copy of it. I feel that the remainder of the items are unreasonable and are only a requirement to make the process so difficult that they can not be met in time for the scheduled closing. The current balance on the note is {$79000.00}. After the closing costs are taken out from the sale, NationStar Mortgage will receive just over {$50000.00} toward the note. That would leave a balance on the note of around {$29000.00} and secured by the home on  XXXX   XXXX   XXXX , which is valued at $ {$89000.00}. I can have the realtor provide a Comparative  Market Analysis  to o NationStar showi ng the current market value of Wheeling. This is provided free of charge to me and an appraisal would cost {$450.00} and take a month to obtain. I need your help to resolve this matter with NationStar Mortgage  ASAP, so  we can still close on   X/XX/17  . I have attached a copy of the original note, and the maturity date was extended to  XXXX / XXXX / XXXX . I have also attached a copy of the list of items for release from NationStar Mortgage.
Consumer complaint received 2024-06-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (MD)

XX/XX/2024 ; The company sent me a threatening letter by XXXX threaten me that they were going to send to a law firm by XX/XX/2024 if I did not make a payment plan. 

I attempted to do this plan but I got sick ; daughter is ill ; car been in an accident ; insurance was not correct ; also my Benefits were reduced because of the medical-medicare amount taken from my check. Very hard for me because of all the events happening and the inflation we are dealing with ; have to take care of daily living items first ; then can possibly pay on plan later on in year.
Consumer complaint received 2024-06-26
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: CITIBANK, N.A. (CA)

I Had A Credit Of XXXX $ On My Account Before This Fiasco Started. I Was A Victim of A Scam XXXX XXXX  on XXXX. I purchased Some Items Total of XXXX $ Due To Some XXXX Issues I Was Having I Inadvertently Purchased A Duplicate Order In The Amount Of XXXX $ I Tried To Contact The Merchant To Cancel One Of The Orders. No Response. I Get My Credit Card Company citi.XXXX Involved. I Guess Their Computer Algorithm Is Programmed To Throw Their Customers To The Wolves. In Order To Protect My Credit Score I Ended up Paying For Both The Fraudulent Orders. I Never Received any Of The Items I Ordered From Both Orders I Feel So Unappreciated As A Customer I Close my Account
Consumer complaint received 2024-06-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Byrider Franchising, LLC (IL)

I have been receiving electronic communications over the past year from byrider auto loan service and my debt have been discharged for more than Three years. I've alerted them at the time of bankruptcy and returned their vehicle.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (TX)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2024-05-26
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-06-24
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: Block, Inc. (CA)

On XX/XX/XXXX, I contacted XXXX hotel in XXXX California to confirm I would be able to check in late. Upon confirming this, I booked an hotel reservation for XXXX XXXX which cost {$150.00} - upon arriving the person working behind the counter made a mistake and could not locate my reservation. The person said that I did not have a reservation for XX/XX/XXXX through XX/XX/XXXX XXXX night in fact, did. They did not allow me to stay there. So, I disputed a transaction because I did not get the goods and services I paid for.. I have contact Cashapp several times in the month of XXXX. They can not and have not provided any additional information to support their case. The last contact stated they could NOT provide additional information - yet they state the goods and services were provided but with NO PROOF : Hi XXXX, My name is XXXX XXXX and I'll be your friendly expert and my teammate is out of the office now but I'll be taking over this case but don't worry, I'll be more than happy to assist you today! 

Thank you for that information XXXX, checking very carefully into your account let me mention that I see you already have a dispute claim however I want to mention that we are unable to provide any more information regarding your dispute filed on XX/XX/year> at this time. As a reminder, dispute claims may take up to XXXX days from the date that we received your notice of error to review and resolve your claim The email continues to say how I can access the files and information of the claim but theres nothing to access - they closed my original claim within XXXX hours and NEVER processed the additional information that I sent it. Many emails were ignored - especially XXXX with information I provided to submit my claim on XX/XX/XXXX- as well as several emails afterwards. I never received an update after an email I received on XX/XX/XXXX stating my case was being transferred and escalated however no response to that email either. I sent in supporting information from the hotel and company - they confirm the reservation was marked as no show which is false because i notified the hotel I would be arriving AFTER midnight - additionally, the hotel confined no shows are not marked until XXXX - so an employee made a mistake on my reservation & due to their error, I couldnt check in even though I confirmed prior to the booking that I CAN check in after midnight - they clarified my checkout would still be the same time. Finally, I got them to reopen the case - however they closed in XXXX  days later saying I didnt reply when I sent them several responses.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite sending letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Repeatedly locked out of access to Paypal account. Despite providing correct credentials Paypal has been requiring calls to customer service to unlock access to my account. Upon gaining access to the account I update personal/contact information and am again locked out of the account. This has happened at least 3 times in the process of updating phone number, mailing address, and email address. This last time I was locked out and customer service claims they can no longer unlock the account for no reason except for " the way their system works. '' Further they inquire why I want to access my account. 

Within multiple phone calls and talking to at least 4 representatives, including a supervisor, I have been required to authenticate through multiple devices, repeated autheticate through multiple security questions, change my password twice, and have stopped short of sending facial scans to the company. The representatives say there is nothing more they can do for me as they are at the mercy of their " system '' and that my account lockout is temporary despite not being able to provide a timeline for resolution. 

It is my belief that this is not a security measure but is a deceitful and dishonest business strategy. Unfortunately this practice has been going on for years by the company and continues.
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (FL)

company is in violation of 15 usc 1666b per this violation please remove all negative remarks from my credit file and all other credit agencies on file asap. The negative reporting of this account is hurting my report and negatively affecting the ability of me being able to obtain credit. per CFPB this is a violation of my consumer rights and could be subject to daily fines for everyday this is listed. I am demanding the negative remarks be removed asap or I demand CFPB to fine them {$100.00} per day this is listed on my account and negatively effecting my profile. I HAVE ALSO SUPPLIED An IDENTITY AFFIDAVIT AND ACCOUNT STILL NOT REMOVED THERE ARE NUMEROUS VILATIONS. ACCOUNT IS INVALID AND EVEN IT WAS, NO SUPPORTING DOCUMENTS HAVE BEEN SENT WITH INK SIGNATURE, DEBT HAS BEEN SOLD AND CHARGED OFF WITCH MEANS THIS DEBT IS NO LONGER VALID
Consumer complaint received 2024-07-15
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. (FL)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

On Saturday, XX/XX/XXXX, I opened my mail addressed to me. One of the items was an envelope from Chase - Marriott XXXX. A credit card with a credit access line of {$25000.00} and a cash access line of {$1200.00} was inside, along with the requisite notification paperwork. I am not a Chase customer, nor have I ever been, and I did not authorize any lines of credit to be opened in my name. 
I called Chase immediately, using the main Chase credit number as opposed to the one that came with the paperwork, just in case it was a scam. I first spoke with XXXX at Chase, who, after listening to my explanation, stated that she would immediately close the account and report the information to the XXXX credit reporting agencies. She also advised me to call one of the agencies and gave me the number to XXXX. 
After hanging up, I realized I had neglected to ask if there were any transactions made on this account, so I called back and spoke with XXXX in the fraud department. I was not comfortable giving my full social security number when asked, but he stated that he was able to verify that no transactions had been made. He further advised me to call back during business hours to speak with customer protection. 
Because it was the weekend, I had to wait until today, Monday, XX/XX/XXXX, to contact XXXX. I spoke with XXXX at XXXX, who stated that Chase did not run a credit report ( none such report exists in my file ) and that my file was such that lenders can open lines of credit without my authorization. Upon hearing this, I requested that XXXX adjust my file so that this was not permissible, and she did so. She further advised me about XXXX 's protection plan, but I declined at the time, preferring to speak with my spouse further before making additional decisions. 
I then called Chase Customer Protection Group and spoke with XXXX. At this time, she was only able to verify that Chase was " working on '' this case and would let me know if they had further questions or resolved the issue.
Consumer complaint received 2023-08-11
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: SUNCOAST CREDIT UNION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NPAS, Inc. (FL)

When the debt occurred in the hospital. I contacted the hospital immediately had them send me paperwork for financial assistance or financial aid. I filled out the paperwork and sent it back to them. That was back in XXXX and XXXX. I contacted the hospital numerous times and I got no answers, and now all of a sudden, it went to a depth collector, which I dont know why I tried to fill out financial aid with the hospital to see what kind of arrangement we can make and the collector calling my mom calling my sister calling me threatening me. Ive been warned and Im gon na be subpoenaed to go to court and action will be taking against me. Theres nonstop calls and they say Ive been warned. I dont appreciate them calling my mother shes very sick and has been in the hospital with XXXX.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAKE TAKE 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 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/year>, I was on a XXXX XXXX flight, number XXXX from XXXX, FL to XXXX, TX. Right before we were starting the descent path into XXXX, the flight attendant made their service announcement about a one of a time special offer regarding the XXXX credit card. On this announcement, they said that this had never been done before and that for anyone who would apply for the XXXX credit card, that they would get an additional XXXX miles on top of the XXXX miles that came with the credit card. 

Besides this, they also stated that we would get 24 flights at the cost of just XXXX miles per flight, as long as the flights originated in XXXX to any other destination or fly into XXXX. In this regards, they announced that flying from XXXX to XXXX XXXX would cost just XXXX miles each way. 

In their speech, they also stated that were would be no fees associated with the credit card and that their XXXX was among the lowest in the industry ; however, they never mentioned what was the average. 

Having heard all this, and the offer to fly into XXXX XXXX from XXXX at just XXXX miles per fligh, I decided to apply for their credit card as this was a great offer to me. To my surprise, when the credit card arrived home, I realize that everything that was mentioned on that flight by the flight attendants were complete lies and false advertisement. The credit card is not free, there is a {$79.00} annual fee ; their APR is not among the lowest in the industry since their APR is a whopping 28.24 % and there were no free miles unless the credit card holder would make {$1000.00} worth of purchases within 90 days of account opening. 

Feeling fooled by their sales tactics and lies, I contacted XXXX XXXX and they told me that such promotion did not exist and that the only option was for me to go to the airport and speak to a representative at the airport about this offer that was made on my flight back home. Feeling devastated that I had to go into an airport to complain with a ticket agent, I proceeded to XXXX XXXX XXXX XXXX today, who is the issuer of the XXXX credit card to complain about this and they told me that there was nothing they could do for me. That all they could do was to close my account, but knowing how bank operates, I said to the representative that doing so would have a negative impact of my credit report and score to which he acknowledged that it would.