davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/XXXX the account was closed with XXXX dollars in it. They said after 10 business days it would be returned through the mail. It is now XX/XX/XXXX and they are still refusing to locate what is happening with my funds.
Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc. (AL)

I received a Notice of Assignment to a Collection Agency ( the " Notice '' ) from Professional Account Management ( PAM ) on XX/XX/year>. The Notice pertains to an alleged toll violation that I do not owe. 

I need to dispute the validity of the debt ; however, the notice does not provide any contact information for submitting disputes or requesting verification of a debt from PAM. It provides a mailing address, internet address and phone number, but clearly states that these are for payments only. See the attached Notice. 

Since the letter does not provide a method to submit a dispute, I am concerned that my dispute will not reach the proper party, and/or I will miss the 30 day deadline for disputing the validity of the debt.
Consumer complaint received 2018-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Systematic National Collection, Inc. (NJ)

I went to a seminar on XX/XX/2015 called " XXXX XXXX XXXX XXXX '' by XXXX XXXX XXXX right after graduating high school. Being young and XXXX, this company suckered me into signing something that I regretted immediately after. Almost everyone in the room signed up for the program and they were mean to anyone who didn't sign up so everyone felt pressured to pay. This seminar was full of unethical persuasion tactics telling customers that if they sign up for the program, they will soon become millionaires. 

I knew that I didn't have the money to pay for this program and I tried to leave but they would not let people leave until the seminar was over and everyone talked to a representative. 

For the people such as myself that did not have any money, they made us call our credit card companies and try to increase our limits to buy their program and I didn't even know what that meant at the time. 

There are numerous reports online about how this company has aggressively pushed people into buying their products and using cult-like tactics to persuade young kids to sign up for their programs. 

I would like this removed from my credit. I am a responsible citizen and won't let something like this happen again. I learned my lesson to not let people force me into signing up for something when I am not comfortable. 

Complaints from other unhappy customers : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OK)

I use a company called XXXX to pay my rent, it allows you to break your rent into XXXX payments, the first payment came out on the XXXX, the second XXXX XXXX in the amount of XXXX. I have verified with XXXX that they received the payment on this day. However I now have a XXXX payment pending at Chase in the duplicate amount of XXXX since XXXX. I immediately reported it to Chase. why is Chase taking so long to remove the erroneous transaction? Ordinarily I could be more patient but I have other bills that need to be paid. Will Chase cover my other bills while they do what they are doing? XXXX has said they received my payment already. What is Chase doing?
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-04-21
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. (NJ)

I asked for the removal of false information that another credit reporting organization had discovered and erased. 3 Credit Bureaus have disregarded FCRA rules and my request for verification because of your silence or a response that I consider frivolous. I need to amend my records and fix mistakes that 3 credit bureaus made. The objects are listed below : XXXXXXXX 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
Consumer complaint received 2024-05-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Harley Davidson Financial Services Inc (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX  a couple years ago. I was behind on payments and XXXX day it disappeared off the street so I assumed it had been repossessed. Yesterday I got a text from my step mother stating XXXX XXXX received a call from XXXX XXXX with XXXX XXXX XXXX XXXXXXXXwants to discuss payment plan. I wouldnt give him your number but somehow he has mine.Anyway hope you guys are well love ya, XXXX. I called him back but he didnt answer so I called back today and he told me its about the XXXX and theyre looking to repossess it. I told him I thought it was already repossessed so I dont know where it is and to not contact me again. Isnt it illegal to discuss debt with my family? Telling my step mother that he wants to set up a payment plan sounds a lot like hes discussing my debt with family. He also called my mother and my wife but never called me once.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (CA)

American Express closed my high yield savings since 2023. And they never send me my balance. I called customer service several times and they only give me the run around. Back in XXXX 2023 they said they already sent check which was a lie. I had to fill out a stop payment form for them to reissue. And still nothing. They dont want to return my {$120.00}.
Consumer complaint received 2016-03-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I received my coupon from Nationstar Mortgage for XXXX payment and saw it had increased by {$830.00}. When I called them to inquire why, they said my 10 year adjustable rate interest only note had set to principle and interest and amortized over 20 years to be paid in full. I asked why I was n't notified sooner and was told I was sent a letter in XXXX. Since I had never received it, ( my mortgage was transferred to them from XXXX in XXXX ) they just sent me a copy ( received today ). I 'm blindsided! Had I seen it earlier I would have applied for a Harp loan to make this payment more affordable. I did apply and was turned down because of the 30 day late notice from my second trust holder, XXXX, placed on my credit report this month! 
When I got these loans back in XXXX XXXX, my husband had just died 6 months earlier, and my son was going off to college. I am the original owner of this home since XXXX and I would never had placed a 1st trust mortgage with a 2nd trust equity line ( needed because my son was going to college ) with a 10 year knife hanging over my head knowing both mortgages would set at the same time and increase my payments combined by {$1800.00} a month without doing something about it before it happened. Now I stand to lose my house because I just learned today when I applied for a Harp loan that the second trust holder, XXXX put a 30 day late payment on my credit because my payment went up with them as well and my automatic payment to them was insufficient. Now I am told with the 30 day late ( my first ) I can not apply for a Harp loan. I am going to be forced out of a house I have lived in over 30 years into housing that will be more expensive at the age of XXXX! Why? 
I 'm asking for these lenders to work with me and not force me out of my home. If I 've made my payments on time, every time, except for this month with XXXX over lack of communication, why ca n't I get approved for a fixed rate harp loan, amortized over 30 years while interest rates are low? While I tried several times, I was told I ca n't qualify for a regular refinance because my ratios are too high! XXXX says they wo n't even send me a statement until I pay what is owed fully. What they report as delinquent is not the amount owed. I am shaking my head. How can something like this happen? Is it the intention of the banking industry to put people out on the street with these predatory lending practices and dangerous loans? I got a loan I could afford when I needed it most and never realized it could jump almost {$2000.00} in one month for the next 20 years, especially without due notice. As soon as I found out I called the lenders and asked for help, having it fall on deaf ears and my credit destroyed. Can you help?
Consumer complaint received 2023-03-26
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: EQUIFAX, INC. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im XXXX business days of receipt
Consumer complaint received 2023-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have read the recent release copy of my credit report today and I still noticed that they still kept furnishing XXXX XXXX- XXXX XXXX there which was already completely DELETED under XXXX 's record. This account was removed on XX/XX/2023 and I was expecting that TransUnion would also do the same thing as they're both reporting to only one furnisher, right? I just dont understand why theyre still posting an inaccurate account that supposedly should never have been in my record in the first place. 

I also want this other misleading and inaccurate account be OMITTED on my record as soon as possible XXXX XXXX - Account # : XXXX as I dont recognize this one as well. I just want these accounts to be completely removed so that only those accurate information will be left and reflected on my credit report. I would appreciate it if you'll finally resolve this concern I have had for several months now.
Consumer complaint received 2024-04-29
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Ingo Money, Inc. (CA)

On XX/XX/2024 I was terminated from my job and at the time I was living with people I knew and they told me about EDD which I didnt know what it was at the time and the people I knew told me about it and said they will help me out and file an unemployment which is where you can get money from while ur not working anymore if im correct I dont really know a lot about it but anyways after when they helped me out with all the information I put on EDD they said that a mail will come towards me in 3 weeks and I said okay and later on during the end of XXXX we had arguements and I decided to move out and return back to my mothers place and ever since then Ive been waiting for the EDD unemployment mail til XXXX which i was supposed to receive but never got it turns out without me noticing I found out that the people I knew made a fraud XXXX email with my name on it including putting their number on my information and they stole myXXXX card on mail and has been wasting and putting deposit on the card that I didnt even know of until XX/XX/XXXX or XXXX days ago I tried to make a new EDD with my social Security, but couldnt because my Social Security is linked into a fraud XXXX email that had my name on it and i merged the Two accounts together and removed the fraud XXXX email and phone number ending with XXXX and placed it with my email and phone number.
Consumer complaint received 2023-11-13
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. (NJ)

I recently obtained a copy of my credit report and reviewed it. It stated that the following inquiries ( mentioned below ) made a credit inquiry. These inquiries, however, were not authorized by me. As a result, I'm sending thisto contest the inquiries and have them deleted from my credit report. 

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 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of america call me a XXXX saying I'm not was in hospital but I did till XXXX when I sign up it say to get XXXX points and XXXX XXXX XXXX  but bank of america give me hard time when I was XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  they give me alot of stress but I want my XXXX and that XXXX  points that all
Consumer complaint received 2023-11-03
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is not releasing my direct deposit sent from my employer. The money shouldve been deposited on ( todays date ) and I need it to feed my children. BOA is blaming it on other institutions as the reason and this unacceptable.
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (FL)

The unverified items stated below continue to report on my credit report in violation of federal law despite numerous written requests. The 3 credit bureaus never responded to my letter, which I sent to them. In line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), this items must be verified. I will file a lawsuit against them if they refuse to verify these items. So that this situation can be rectified as soon as possible, kindly abide by the law. 

XXXXXXXX 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
Consumer complaint received 2024-05-01
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

While I received an account statement, I did not receive an itemized cleaning receipt on what needed to be cleaned. I have not received any evidence of the inspection checklist and photographic evidence to show that cleaning was needed in the unit. 

I spent 4 hours cleaning the apartment and have attached the photos below.
Consumer complaint received 2023-11-13
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. (OH)

I'm sending this complaint to request credit inquiry that was unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiry that I did not authorize. As it was follows. 


XXXX XXXX XX/XX/2023.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

I closed on a real estate deal with a title company XXXX XXXX XXXX XXXX  on XX/XX/XXXX. A check for {$39000.00} was issued to my XXXX XXXX XXXX XXXX. I then had a bank account created for XXXX XXXX XXXX at Chase Bank on XX/XX/XXXX. The account was approved and opened XX/XX/XXXX. I deposited the check via mobile deposit XX/XX/XXXX. The check was placed on hold and my account was closed due to Chase stating they were unable to verify the check with the issuer, however they are calling the wrong number. They are stating that the active business number for XXXX XXXX XXXX XXXX [ XXXX ] is not the number they have in their database and does not pass their security release tool. They informed me the number they have ends in XXXX. This is no longer an active number for XXXX XXXX XXXX XXXX. The check was also cashed so XXXX XXXX is unable to place a stop payment on the funds. Chase has cashed the check and is just holding my funds and refusing to release them into my account. However, I was able to escalate to a supervisor at Chase Friday XX/XX/XXXX who reopened my account and called the active business number in which XXXX XXXXXXXX XXXX XXXX verified the check. I have also spoken with XXXX XXXXXXXX XXXX XXXXXXXX and confirmed they spoke with two people from Chase to verify the check. The supervisor I spoke to on Friday told me on a recorded line that my funds would be available Monday, XX/XX/XXXX. When I checked Monday they were still being held. I called again and they said it would take 5 to 7 business days to clear and be available in my account. Today is Tuesday XX/XX/XXXX and I have been told multiple times that they will not release my funds. Ive filed a complaint with the Consumer Financial Protection Bureau XX/XX/XXXX around XXXX. I then left work and spent two hours in a Chase branch ( XXXX XXXX XXXX XXXX, PA XXXX ) XX/XX/XXXX being helped by XXXX XXXX. She exhausted all options and tried her hardest to get a solution but was unable to do so. The branch escalated a complaint and said they will be sending over information on who the case will be passed to within 24 hrs. I was given a call slightly before EOD Tuesday XX/XX/XXXX stating my funds would be deposited into my account in 3-5 business days. Today is XX/XX/XXXX and I still have no access to my funds and my account balance says {$0.00}. I spoke to the same branch over the phone this morning who told me they are working on the issue. However, XXXX is XX/XX/XXXX I have a mortgage due that I can not pay as well as another investment I need these funds to take to the closing table in two weeks. This feels like racial discrimination, and has caused me mental harm over the last month. I am late on several bills that I have to pay as business expenses and interest and late fees have been added. I need these funds today.
Consumer complaint received 2024-05-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Aqua Finance, Inc. (CA)

Subject : Complaint against Aqua Finance for Unfair Practices Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Aqua Finance regarding unfair practices that have significantly impacted my credit score and caused undue stress and inconvenience. 

On the week of XX/XX/year>, I discovered that my credit score had plummeted by XXXX points due to a reported late payment. Upon investigating the matter, I found that this late payment was attributed to Aqua Finance, the company financing my water filtration and purification system. Concerned and eager to resolve the issue promptly, I contacted Aqua Finance at approximately XXXX XXXX local time, only to be informed that their systems were still updating. 

Subsequently, I made several follow-up calls to Aqua Finance in an attempt to rectify the situation and seek a resolution. My confusion stemmed from the fact that my account was set up for automatic payments for a fixed amount. Despite my account being in good standing, Aqua Finance claimed that it was stipulated in the contract that I had to proactively call to adjust the payment amount after a promotional period.

Despite reviewing the contract thoroughly and contacting Aqua Finance multiple times to clarify their stance, their representatives remained adamant that I was solely responsible for ensuring the payment amount was increased. This stance was in stark contrast to other companies ' practices, such as insurance and cable providers, who routinely adjust automatic payments without requiring customer intervention. 

Moreover, Aqua Finance 's refusal to provide detailed explanations or leave comprehensive voicemails regarding the nature of the calls further exacerbated the situation. Despite my attempts to demonstrate goodwill by making a payment to bring the account up to date and increasing the payment amount, Aqua Finance displayed a lack of support and empathy throughout the process. 

Their dismissive attitude and failure to address my concerns demonstrate a clear disregard for customer satisfaction and contradicts their purported commitment to fairness, transparency, and customer support, as advertised on their website. 

In light of these events, I urge the Consumer Financial Protection Bureau to investigate Aqua Finance 's practices thoroughly and take appropriate action to ensure that consumers are protected from such unjust treatment in the future. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Got a call from one of the agent representing XXXX XXXX XXXXXXXX They trapped me saying that they pay my credit card and mortgage bills. After paying my bill they asked be to payback 50 % of bill that they paid for me. After i deposited the money to their account, the transaction which they paid my bills got reversed. Then i realized this is a scam. I have all the proofs that i deposited to their account. Please help me in recovering my money. 

I have deposited the money into their Chase bank account.