davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (MT)

I opened a savings account with Chase bank on XX/XX/XXXX through a link in an email advertising a {$200.00} bonus if I kept {$15000.00} in my new savings account for 90 days. The email explicitly stated that if the account was opened through the link that the coupon would automatically be applied. I accidentally opened two accounts, so in the process of closing one of the accounts through customer service I verified that the coupon had been applied to my new accounts. On XX/XX/XXXX the account had more than {$15000.00} in it. The balance did not drop below {$15000.00} until XX/XX/XXXX. On XX/XX/XXXX I called XXXX to inquire about my {$200.00} bonus. They informed me that I would receive the bonus on XX/XX/XXXX, at which time I would have satisfied the requirement to keep {$15000.00} in the account for 90 days. I did not receive the bonus and messaged XXXX on XX/XX/XXXX. They claimed that I had not applied the coupon to the savings account, despite me explaining that I had created the account through a specific link that automatically applied the coupon, and had XXXX instances of confirming that the coupon had been applied with their customer service representatives. It was only once I threatened to file a complaint through the CFPB that the coupon was finally applied to my account.
Consumer complaint received 2024-08-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: USCB, Inc. (SC)

Please investigate the reporting of this account. I don't believe this account is reporting accurately. According to the company, I opened an account with them on XX/XX/2023, but I know nothing about that. 

This is now appearing on my credit report and is hindering me from getting approved for a new home. This negative report is causing me a lot of suffering and hardship. Please remove this account immediately.
Consumer complaint received 2024-08-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

I am filing this complaint against IC System Inc. for reporting fraudulent information on my credit report. The following account was added to my credit report without my authorization, and despite my attempts to address this issue, IC System Inc. has refused to provide assistance : - **Account Name : ** I C SYSTEM INC ( Also known as I.C . SYSTEM, INC ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Balance : ** {$190.00} This account is fraudulent, and I believe it was opened due to identity theft. I contacted IC System Inc. to resolve this matter and spoke with several representatives, including XXXX, XXXX, XXXX, XXXX, and others. Unfortunately, all of them refused to assist me, and my calls were repeatedly disconnected. 

These actions are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-2, which mandates the prompt removal of fraudulent information from a consumer 's credit report once the consumer has notified the credit reporting agency of identity theft. Additionally, under the California Consumer Credit Reporting Agencies Act ( California Civil Code 1785.16 ), IC System Inc. is required to conduct a reasonable investigation and correct any inaccurate or incomplete information. 

Their failure to provide adequate assistance and disconnecting my calls violates both federal and California state laws. As a XXXX individual, this lack of assistance has caused significant hardship, compounding the effects of the identity theft. 

I request that the CFPB take immediate action to ensure that IC System Inc. removes the fraudulent account from my credit report and that they are held accountable for their violations of my consumer rights.
Consumer complaint received 2015-06-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I would like to file a complaint ( the XXXX time ) with Nationstar in regard to the MIP refund. We had received the resolution letter on XX/XX/2015 from our first case # XXXX and Nationstar promised me they would send us the MIP refund once FHA sent the money back to them first ( the refund had to go through the mortgage company first ). I called FHA XXXX to verify and they told me that the refund was submitted to Nationstar on XX/XX/2015. However, when I called Nationstar, they claimed that they still have n't received the refund from FHA yet as of XX/XX/2015. Could you please assist? This issue has been up for XXXX months and I 'm really hoping to get this resolved ASAP. Thank you!
Consumer complaint received 2022-12-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PR)

The reason I'm doing this claim is because Carrington Mortgage Services is asking me to continue paying a mortgage that was paid on full on XX/XX/XXXXXXXX XXXX XXXX XXXX 

Here is the summary ; The mortgage loan ( # XXXX ) was paid in full as part of a XXXX XXXX XXXX process of the property ( XXXX XXXX XXXX XXXX XXXX XXXX ), that was leaded and executed by XXXX XXXX XXXX XXXX XXXX XXXX the Cancelation Balance of the Mortgage occurred on XX/XX/XXXX of XXXX, at the XXXX XXXX XXXX of XXXX XXXX XXXX. The payment was made by the XXXX that was in charge of officializing the XXXX XXXX XXXX. Im including evidence of the payment transaction which was provided to me by the same XXXX, and who is still responsible for receiving the cancellation note of reference mortgage loan. For some reason, that process was not completed by XXXX XXXX XXXX XXXX. 
The payment to XXXX XXXX XXXX XXXX XXXX XXXX ) was for the amount of {$45000.00}, which was the same amount required by XXXX in their Cancellation Balance Letter that was sent to me requested on XX/XX/2022. The letter described a Cancellation Balance Amount of {$45000.00}, and that it was effective until XX/XX/2022. Im including evidence # XXXX of the XXXX Cancellation Balance Letter that establishes the total amount for the pre-payment of the mortgage loan. 
Please note that the payment was made through XXXX because the XXXX XXXX XXXX XXXX XXXX ( XXXX ) office in XXXX XXXX XXXX. didnt receive the payment in person because it was closed as part of the measures taken by XXXX XXXX response to the XXXXXXXX XXXX XXXXXXXX established an alternative process to make payments to them through XXXX, and that was the alternative taken by the XXXX representing the XXXX XXXX XXXX process leaded by XXXX XXXX XXXX They were responsible of making that payment, which was done on time on XX/XX/XXXXXXXX XXXX XXXX and following specific instructions from XXXX. Im including evidence of a XXXX XXXX XXXX XXXX XXXX XXXX  ) that was of the front desk of XXXX XXXX XXXX XXXX, showing the specific instructions for mortgagors to make payments to XXXX  in any XXXX branch office in XXXX XXXX. 

I called Carrington XXXX XXXXXX/XX/2022, because I never received any answer to my last letter, and the person told me I have a balance on my account of {$4100.00}, but the strange thing is that I'm also receiving XXXX Mortgage Statements from Carrington, that said I need to pay {$1000.00} ( The last one was received on XX/XX/2022. ) with is very confusing. 

I'm including all the evidence I have since I wrote a letter to Carrington Mortgage Services asking to open an inquiry about my case.
Consumer complaint received 2024-08-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (NY)

The entire Debt was paid to Sunrise Credit Services XXXX XXXX located at XXXX XXXX XXXX XXXX - XXXX XXXX, XXXXXX/XX/XXXXon XX/XX/year> although I had been disputing the charge with the optimum cable I decided to pay and dispute withXX/XX/XXXXdirectly because I didn't want the notification left on my credit report. I have called a few times to find out when they will be reporting the improved account to the credit bureau and they keep stating that the report went out in XX/XX/year> to the credit bureau then I call again today and they said the report went out to the credit bureau on XX/XX/XXXX but it still shows as collections on my credit report. To begin with, the person at sunrise I spoke to when I received the alert was extremely rude and nasty so I requested to be transferred to someone else that would help in a better manner. Everything seemed a little off with the entire structure and process with this company and I am still having to deal with them because they keep telling me a different story every month. I paid what was due when I received the notice but to get the improved account rectified with them submitting it to the credit bureau has not been as quick.
Consumer complaint received 2024-08-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (AZ)

Referred to XXXX XXXX by pool builder XXXX XXXX  XXXX, XXXX. XX/XX/XXXX I go online and applied they offered low veterans as low as XXXX rates. I received conditional approval email XX/XX/XXXX. I uploaded docs and it was confirmed XX/XX/XXXX. Which I can not access this info on the site havent been since beginning. Lots of various emails showing attachments but there werent any attached. When I do get info of terms etc, it was in correct and or I could never get a straight answer. I asked numerous times what the interest rate was going to be. Finally I receive an email XX/XX/XXXX stating XXXX XXXX issued final approval but no loan docs attached. XX/XX/XXXX I receive email from XXXX XXXX no attachment a pasted doc to confirm info, its incorrect also theres a {$750.00} fee and interest rate at 13.99 % at XXXX  months. I contact about the interest rate and that Im not signing until things are agreeable. XX/XX/XXXX rec email from XXXX with different figures, TERM IS NOW XXXX  MONTHS. ( 240 MONTH OR MORE IF LOAN WAS OVER {$50000.00} ) still 13.99 % which on XXXX XXXX site showed as low as 4.9 % veterans rate. But I see that the loan company says XXXX XXXX. I call, I email etc leave messages and no response many times. 

Also I had numerous inquiries done by this company XXXX the rep when i asked why i was not given the 4.9 % she said my XXXX was not high enough I have the document my they ran twice in XXXX day score XXXX XXXX day and XXXX the other day. Needed XXXX for the lower rate. They just XXXX people over, I had no debt, money in the bank etc.
Consumer complaint received 2024-08-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MD)

Mr. Cooper mortgages Companies simply have been playing games with me and the games continues. Im an XXXX XXXX XXXX XXXX veteran and have been tax exempt since XXXX  2024 and my mortgage was transferred to these guys. I report my status and uploaded my VA decision letter and my county letter to the Mr. Cooper Powered by XXXX portal after receiving the county document. A few days later, I followed up with them. I was told, they had my documentation and that when the county usually pay my taxes, I would receive my escrow refund. I accepted that statement but now relaize that was a lie. 

I had another veteran firend who began tax-exempt status a few months later. He provided this paperwork to his mortgage company and XXXX weeks later he received his escrow refund. 

Learning that I called XXXX again. I was told, that the previous XXXX person told me something wrong. I was supposed to be able to receive my escrow refund in that manner my friend received his. I was given the brush off apology but told I still couldnt get my escrow refund because my loan was being package up to be transferred to Mr Cooper. I was told Mr. Cooper knew they had to take care of the refund. They XXXX gave me the case number pertaining to the issue on the new mortgage. ( XXXX was the tracking number ). 

I called Mr. Cooper immediately and they said they had to get the loan in and get it analyzed first. I said ok. The guy didnt know anything about that tracking/case number. They said they received my loan XX/XX/XXXX or XXXX, 2024. They an escrow analysis XXXX XXXX, 2024. Light bulb went offsomething is wrong there with what Im being told. The escrow analysis was done before they got the loan??? 

Since that day I have received a mortgage statement almost every day for about XXXX weeks. I believe it was more harassment purposes because I told them I felt harrassed in on of our XXXX  call, they slowed down. But with that Ive called them no less than XXXX time trying to understand why I have received my refund. I was told an analysis was done XX/XX/XXXX and now I have a document that shows when it was done. 

In other conversations Ive been told my case has not been assigned to anyone, no one is assigned to cut the check and another analysis had to be done. One of the customer service personnel saw the number of calls I had made and she would take my case. I called back a few days later, and then no one had been assigned to draft the check. 

This Mr Cooper Mortgage machine is unethical, expert liars or dont know their jobs and needs to be audited. I want and need my escrow refund and should receive interest on what ever that amount will soon come to. 

I humbly ask that you would please help me in getting my refund. Ive already started an application to move my from this mortgage company.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The credit bureaus involved have NOT actually verified the information but instead have instead used the XXXX-XXXX system to verify and have refused to remove fraudulent and erroneous information. See attached letters. Please read in detail.
Consumer complaint received 2024-08-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC (FL)

My credit score has dropped tremendously yet again due to this collection account which has changed ownership now twice. The original creditor is XXXX XXXX XXXX  on XX/XX/XXXX the collection was sold to XXXX XXXX XXXX in which that company violated my consumer rights and broken many FCRA laws and therefore the collection account was deleted by XXXX XXXX XXXX. The documents of that deletion is uploaded as well. Currently as of now once again my credit has gotten penalized by another debt collection agency named QUALIA COLLECTION SERVICES as of XX/XX/XXXX. QUALIA COLLECTION SERVICE was sold the same identical information from the previous debt collector. I have no contract or obligation to QUALIA COLLECTION for this account as already been settled. Now this previous debt is currently reporting on all three credit bureaus damaging my credability. I truly believe this is illegal and a frivolous business practice of penalizing me multiple times by the same collection. I'm requesting that QUALIA delete this prevously deleted account frommy credit report and cease all communication and reporting.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (NJ)

On XX/XX/year>. I applied for an Avant credit card. I was approved for XXXX. Company could not confirm my phone number a XXXX  part of the application process to receive and complete the application. It was problem broken at their end I called several times and was given the run around. I NOW DO NOT WANT TO DO BE SOMETHING BUSINESS W THIS COMPANY.. I REQUEST TO RECIND MY APPLICATON. AND ALSO TO REMOVE THE HARD INQUIRY FROM MY CREDIT REPORT NOW. They are a garbage company
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (MA)

To whom it may concern : I am concerned about the inaccuracies and compliance deficiencies in the credit report I received. The FCRA XXXX XXXX ( XXXX U XXXX C XXXX ) and XXXX XXXX compliance standards require that credit reports be accurate, and I challenge all inaccuracies or deficiencies of reporting. I would like you to investigate this issue and provide me all available details on how it came about. With the potential for data integrity issues if these standards aren't followed, it is a serious matter that needs to be addressed. 
The information in the article above has never been certified to meet reporting standards. The data provided is not always accurate, complete, or up to date. I demand that any wrong, incomplete, or unsupported material be deleted. 
Also, see the image above for XXXX XXXX XXXX ; ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Faithfully According to the law, you and data furnishers must certify all aspects of required XXXX XXXX XXXX. 
This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX XXXX : XX/XX/1978 XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Page XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, XXXX  XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating XXXX XXXX XXXX XXXX XXXX. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a XXXX of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MD)

I don't have an active account with Discover. However, they are improperly reporting account information on my credit, which I am refusing to pay. My credit report states the account was 30 days past due in XX/XX/XXXX. The account went from being 30 days late in XX/XX/XXXX to being closed in XXXX and XX/XX/XXXX. Then the account reports as being 30 days past due in XXXX, 60 days past due in XXXX and 90 days past due in XX/XX/XXXX. 

Aforementioned, I refused to pay the alleged debt and request that you cease and desist all further communication with me and any and ALL XXXX Parties in this regard, as required by the Fair Debt Collection Practices Act : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer Citation : 15 U.S.C. 1692c ( 2021 ) ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Despite my efforts, these issues remain unresolved. Enclosed is the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This matter is important to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Please provide evidence of the alleged item, such as a contract or document with my signature. If not, remove these items from my report immediately.
Consumer complaint received 2024-08-19
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: Experian Information Solutions Inc. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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