davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

I received a phone call from XXXX XXXX with Chase Bank XXXX XXXX asking me about a wire transfer that I had made on XXXX XXXX for XXXX, I didnt really give much information to her as I am not accustomed to dealing with people that call me and I dont know anything about them. The next day before I found out my bank account was restricted. I was calling to see when my retuning wire transfer was coming back, I was told that on XX/XX/2023. The funds came back but could not be applied to my account because of the restrictions. I went to the Chase bank in XXXXXXXX XXXX. The bank manager XXXX XXXX would not give me my funds and refused to help and I mentioned to him that I had XXXX with XXXX XXXX speaking to me on my cell phone, telling me to put my phone on speaker so XXXX the bank manager could hear her. She is explaining to him that the notes she put down on my account said that I could get my funds. XXXX was arguing with her and saying she has no right to call me. I feel as a customer this bank manager should never have been given this job as he thinks he has all the power that controls the customer lives, but is unwilling to help solve the actual problem and issues to help. This was proven to me when the manager told me that he would check to see about my XXXX wire transfer that was coming back to my account if it was able to be paid to me, he told me that he would call me back around 3 he never did, I called him and left one message to call me. I dove to the bank after I l called the wire department and found out the my wire came back the day before and could of been in my account on XX/XX/2023 so I figured I would be able to get my funds but the manager refused and said the wire person lied to me then he asked me and my wife to leave the bank.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (FL)

Today XX/XX/ I asked Comenity Bank-AAA Travel Advantage Visa Signature for the {$220.00} available in cash back to redeem. Company was asking all kinds of information to establish my identity, which I provided for their satisfaction. Sent me a validation code via the phone, which I presented to them. They said they can't issue a check and my account is up for further investigation. I asked what further information they are looking for, they answered that I'm up for further investigation. My account is current with XXXX  balance, never been late with payments. 
Why is it so difficult to hold the company to their promise, or it is just a marketing tool for them, never intended to fulfill their promise?
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (MD)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2023-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (OR)

We got behind in our mortgage payments due to being self-employed. I called the company in XXXX to try to resolve our past due debt. At that time, I was told that they refused to work with us on a payment plan and refused to modify our loan or grant us a forbearance. At this time, I was verbally told over the phone that my account was in foreclosure, but they failed to send me notification of the foreclosure. I asked to get a notice sent to me and they said that they don't send any notices of foreclosures to their customers. I called in the beginning of XXXX to ask again for disclosure. This time they informed me that the amount I owed was {$11000.00} ( in XXXX I was told I owed {$9900.00} ), and that the only payment that they could take was a bank transfer. On XX/XX/XXXX, I called again to verify the amount that I owed because we were able to get the funds necessary to get the account caught up. I was told that we now owe over $ XXXX. Once again, I was denied any notification how my account could increase that significantly in just over a week. I paid the amount required on XX/XX/XXXX through a bank wire and added additional money to the payment to go towards my next payment. I then called the company to verify that my payment was received. It was at this time that I found out that they held onto my payment for 3 days and didn't apply the funds to my account until after they applied additional fees to my account. Conveniently, the fees added up to take up my whole payment and didn't leave any money to be applied to my next payment. I was told to email them to get an explanation of the fees and they if they would negotiate the fees. They refused to negotiate and send me a disclosure the fees that they attached to my account. They kept my money and left me with no overage. This is theft!
Consumer complaint received 2023-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (KS)

On XX/XX/, Venmo suspended my account after receiving a payment of {$30.00}. I provided proof of identity multiple times over the course of two days but Venmo continues to refuse to remove the suspension from my account or provide me access to my money. On XXXX I called Venmo and the representative refused to even pull up my account to tell me what was going on with it : why it was suspended, when they were going to review the identity documents to remove the suspension, or anything. I also requested a supervisor ; he refused and disconnected the call.
Consumer complaint received 2024-06-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputing owing any and all debts to them.i revoke all rights of them communicating with me through emails, texts, and calls. 

I request debit validation and purchase agreement between the original creditor and the buyer. I would like proof that the company is licensed and bonded
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have dispute this inaccurate account since XXXX, XXXX, XXXX, & XXXX of 2023. I requested proof of the invetigation and they failed to send me the proof several times. They keep on re aging this inaccurate account, They have not updated and verified the date of last activity. This is illegal and my rights are actively are being violated. late payments are not supposed to reflect on a supposed charged off account?
Consumer complaint received 2023-12-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I was trying to get a personal loan to consolidate my credit card debt and I was denied because of the damages on my report According to 15 USC1681 LAW there should not be any damages. This is a defamation of character.
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (TN)

First Progress Card is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, & XXXX. First Progress Card does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are reporting an open date of XX/XX/XXXX and over 120 days of inaccurate late payments since this date. It states that the Alleged debt and Account number XXXX belongs to a XXXX XXXX. The amount is {$120.00}. This debt does not belong to me. I contacted them via phone in XX/XX/XXXX but the debt is still being reported. 

They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws. Please delete and block this inaccuracy within 4 business days.
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

In XXXX XXXX XXXX I had made payments towards my unsubsidized loans in total of {$1600.00}. This money was supposed to pay off all my unsubsidized loans however it was backdated & was submitted to my subsidized loans instead. I have called XXXX separate occasions to tell them to reallocate them to the correct loan. I was told it would be transferred & there is proof on their end of this request. Months later I check there is still a balance on my unsubsidized loans and they had never reallocated the money. I also have emails confirming that two of my loans have been paid off yet it still shows a balance. I spoke to XXXX one of the managers at Nelnet on XXXX  and she told me that she sees that what I have said is true & it looks like the accounting team has messed up my payments. She told me that she would call me on XX/XX/XXXX in the morning at XXXX  PT because that would be when she can contact the accounting office when they are open again. but she never did call me back. Currently I have interest from that loan even thought I shouldnt have in the first place.
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (NC)

Identity theft collections accounts : XXXX. XXXX XXXX XXXX : {$1000.00} XXXX. XXXX XXXX XXXX : {$85.00} Remove immediately! 

Also, you reporting a medical collection that I do not consent to and it has been reported as identity theft fraud and it is a medical debt that is under {$500.00}. 

Under the fair credit reporting act, no medical bills are allowed to be reported under {$500.00} and this {$85.00} charge / medical bill should be removed immediately.
Consumer complaint received 2017-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

Nationstar is foreclosing on my home. 

In XX/XX/XXXX, Nationstar refused my payment to bring my account current. 
One of the reasons I was given was that after a 3 month trial for a modification, the final paperwork was never signed. In XXXX, and after Nationstar still accepted a payment without those papers being sign, I asked that those papers be emailed to me so that I could sign them. They were not. 
Had Nationstar sent those papers, via email, as I requested, accepted my payments, in XXXX, my home would not be in jeopardy. 
I have applied for a modification twice since XX/XX/XXXXand twice been rejected. 
As per legal advice, I have requested by email ( XX/XX/XXXX ) documents related to my account. Nationstar has not responded. 
I have also sent by certified mail, Request for Information forms ( RESPA ). It has been over 30 days and Nationstar has not responded. 
My home should not be in foreclosure. 
This entire situation has continued to have an adverse affect on my physical and emotional health.
Consumer complaint received 2024-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (TX)

In XXXX, Chase made a clerical mistake during escrow analysis and said that the expected monthly amount was {$0.00} instead of {$1200.00}. I am including am escrow statement showing the error. I was paying double mortgage payments so I called asking why the two payments were different. They said I had paid down my principle so much that the escrow amount had changed. In XXXX, I receive a bill showing that I have an escrow shortage of over {$17000.00}. I called chase for weeks trying to resolve this to no avail. Finally, they said they would split the shortage over 5 years. However, that brought my monthly payment to an amount I was unable to pay due to medical issues that affected my ability to work. I applied for mortgage assistance and applied for a grant through Texas Homeowner 's Assistance Fund. The grant should have brought my account up to date. However, Chase provided the incorrect totals and provided the escrow amount that was the error. They also told XXXX that I was up to date on my escrow and as a result, I was declined any payments for escrow from XXXX and when I was approved for the XXXX XXXX, the amount did not bring me up to date because of the incorrect information provided by Chase. I contacted XXXX and provided statements showing the error but they said they can only receive information from Chase. They contacted Chase AGAIN and Chase continued to provide the incorrect totals. I had my case escalated through XXXX but again, Chase did not provide accurate information until the very end which at that point, the XXXX was out of funds. They were reporting that my monthly mortgage was {$1900.00} when in fact, it was {$3300.00} with the outstanding escrow balance. Not only was the XXXX  supposed to bring me up to date, but it was supposed to provide 3 additional months of mortgage payments but again, they had incorrect information from Chase. After I contacted Chase and told them that this was a case of negligence, they sent my loan to a debt collector ( XXXX XXXX ). In addition, XXXX sent payments to Chase that they did not process. I have proof in email documentation. I did receive a check for the " excess escrow funds '' after they incorrectly calculated the escrow but when I called to ask about the check, they said it was excess escrow that was put down during the signing of the house in XXXX. Despite me calling and verifying the escrow and questioning the amounts both with Chase and XXXX, Chase never provided accurate information. All of this could have been rectified had they given the correct mortgage and escrow information to XXXX. The case was even escalated and again, Chase provided the wrong amounts.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

Ive bank with chase for years & for years they overdraft me {$35.00} more then 5 times a month, one time when I called they even returned my money knowing they was Stealing from me, I took my direct deposit off because Chase was taking they money back which wasnt a problem but plus more and I started too not see my check which almost costed me my living even though Covid, it was absolutely NO remorse from the bank Ive bank with for years, they closed my account & I finally started too get my funds back in order I recently open it back up and deposited my boyfriend thats in XXXX  check in the account assured, that it was okay because I had a power of attorney of his funds being that he isnt available too handle it Chase Originally verified my check but said my POA wasnt valid, I then got the chase POA & signed & got it notarized me & my boyfriend thats in XXXX  after doing everything they ask me too do they Still gave me a hard time, this matter has costed me days of work as well as took it toll on my mental, I was Treated like a scammer by the same bank that have scammed me for Years .over drafting me for a dollar, Ive spoke too several people & each time they came up with a new reason not too release my XXXX check which is just crazy because I was ROBBED more then that from chase, I honestly felt singled out because Ive never heard of anyone having this problem besides me .i may not be rich and have a lot of money but Ive worked & Payed Taxes Ive been a honest hard working XXXX mother and i feel like Chase bank as taken from me
Consumer complaint received 2023-12-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (AZ)

my original debt was with XXXX XXXX. debt was purchased by jefferson capital. i settled and paid jefferson capital over XXXX i opened a checking account with XXXX  checking after doing so jefferson capital contacted me again with the same debt. i spoke with jefferson capital and they hardly speak english and are telling me to pay the XXXX. 
1account then a second account. On the 2nd go around they had my name spelled incorrectly. see attached of my passport and notice from jefferson capital
Consumer complaint received 2023-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (AZ)

Today, I noticed my credit was hit. I called up the debt collection agency, Wakefield and Associates ( phone number XXXX ) and they said that XXXX XXXX was collecting a debt for {$2900.00} for an XXXX  visit to XXXX XXXX. I called up the XXXX XXXX billing department ( phone number XXXX - XXXX ) and they looked through their billing system and could not find any bills owed. They transferred me to their physician billing department and they could not find an account with my info in their system. I called back Wakefield and Associates, this time they gave me another source of where the debt was coming from called XXXX XXXX with the account number XXXX. I did a quick XXXX  search of XXXX XXXX and there are many complaints about how a company under that name was trying to collect a debt that was not owed or already paid. I am so frustrated. We should not have any medical debt to begin with. We have been on XXXX  for the last year and should not owe a balance. This debt was specifically for my son who was born with XXXX XXXX and was covered automatically by XXXX from birth anyways. If it helps out, I have my son 's medical insurance and ID number and the phone number to his plan. It is XXXX XXXX, the phone number is XXXX, and his ID number is XXXX. My son passed away last year from this hospital visit and I am just so upset that I am being preyed on for a debt I do not owe.