davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (MD)

Reference # XXXX Dear Chase Card Services, I hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction with the challenges I have encountered while attempting to open business credit cards with Chase. As a longstanding customer, I have recently experienced a series of perplexing and time-consuming issues that have significantly impacted my confidence in the application process. 

In early XXXX, I applied for the Chase Ink Business card, and to my relief, the application was swiftly approved. However, my satisfaction was short-lived when I faced difficulties creating an online account for the card. Upon contacting Chase, I was directed to the fraud department, where I was asked a question about a loan from decades ago. Unfortunately, I couldn't recall the answer, leading to a requirement to visit a Chase branch to verify my identity and confirm that I was indeed the applicant and not a victim of identity theft. Although the in-person visit resolved the issue, the inconvenience and uncertainty surrounding this process were disheartening. 

Fast forward to early XXXX, when I applied for another Chase Ink Business card under a different business entity ( the first being a sole proprietorship and the second with a valid business EIN ). Despite having recently and physically verified my identity at a Chase branch with XXXX forms of identification for a similar application just XXXX months prior, I am once again being asked to submit additional documents to verify my identity. This repeated demand for verification is perplexing and frustrating, given that I am not a victim of identity theft, have never been one, and have never placed a credit freeze on my account. My loyalty to Chase over the years adds to my confusion as to why my business applications consistently undergo a secondary verification process, citing reasons such as " Name verification - name provided is unable to be verified. '' I am reaching out to seek resolution and clarity on this matter. I am requesting a thorough review of my account and the application process to identify the root cause of these persistent issues. It is crucial to understand why my applications are subject to additional scrutiny, especially when others do not face such hurdles.

I value my relationship with Chase and believe in the importance of security measures. However, the repeated and seemingly unnecessary verification process is eroding the trust I have placed in the bank 's systems. I trust that you will investigate this matter promptly and provide a resolution that ensures a smoother and more efficient experience for loyal customers like myself.

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution.
Consumer complaint received 2024-04-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

We have XXXX {$500.00} AMEX all-purpose gift cards ( total {$2500.00} ) as a gift [ please note, only XXXX card 's info has been entered into the card section for this complaint, we are happy to provide the details of the other XXXX ]. Attempted to make online purchases at a number of vendors ( XXXX, XXXX, XXXX ), as well as with app-based grocery ordering ( XXXX ) XXXX All vendors were unable to process, or declined transactions. We attempted to make payments through XXXX and XXXX XXXX, but were unable to do so. We tried doing 20 % less payments than the balance ( i.e. {$400.00} or less purchase ) as suggested on their website, but this did not work. Website claims this can be used anywhere, which is clearly untrue. Called customer service, they could not provide any solutions except wait and check the balance. Online research reveals other customers with similar issues with AMEX gift cards. Have spent XXXX hours trying to just spend the cards, with no success.
Consumer complaint received 2023-10-05
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: EQUIFAX, INC. (GA)

On XX/XX/2023 I called and reported to EQUIFAX XXXX and XXXX that my identity may have been stolen because there were accounts that I did not own that were on my consumer report after alerting all three credit reporting companies about this matter they started a reinvestigation as I had already disputed these accounts as well as need XXXX to update my current address and delete inquires that were not mine as well I filed a report with the Federal Trade Comission as I was told to do by agents of all three credit reporting companies EQUIFAX XXXX and XXXX all threee agents told this was the ONLY way to update my address and delete the fraudulent inquires on my consumer report
Consumer complaint received 2023-11-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Data Mortgage Inc. (WA)

Without question working with Essex has been the most reprehensible experience of my life. My family and I began the process of a loan modification even though we had not missed ANY payments but were in an extremely bad financial situation. This was approved and then went through to a payment plan that could then become a modification if fully completed. We never missed a payment ( still never have ) and we were supposed to receive paperwork to make it permanent. Ok, great. Except, in the process Essex switched service providers and apparently lost every record in the entire world in the process. So Essex has sent us letters saying we owe anywhere between XXXX months additional mortgage payments ( we do not owe any ). Even worse every single time I call to make our housing payment ( which is XXXX because you can never connect with an actual service rep ) I ask about our modification paperwork and each rep tells me they dont know why it wasnt sent blah blah blah. I give them a record number and they cant locate it. We are going on 5 times asking for the paperwork. Never received it. In the meantime they reported to our credit that we are XXXX months behind ( again WE ARE 0 MONTHS BEHIND ). So finally we get a letter from Essex, saying that were rejected for the loan modification because we have no outstanding loan balance???? So what is it actually then Essex if we dont have any outstanding balance and that disqualifies us, then great but fix our credit for the love of XXXX. And if not then good lord send us the paperwork. Essex I hope you get in contact with us ASAP to resolve this, because truly if we dont find a resolution we will absolutely seek legal action. This is the WORST mortgage company, do NOT go through them.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Finance ) 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 may make 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-17
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: AMERICAN EXPRESS COMPANY (MI)

Amex showed an introductory of 0 % APR for 12 months, from the account activation date. When I received my card, the disclosures did not include the offer. I reached out to Amex, and they advised a specialized team would look into it in the next billing cycle. This is bait and switch. they need to make it right. It was because of this offer is why my wife and I choose this Amex card,.
Consumer complaint received 2023-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (MA)

XXXX Venmo froze my account XX/XX/16 they terminated my account Said I violated terms and that my balance ( {$22000.00} ) will be held up to 180 days. Would like a timeline of when they will release my funds
Consumer complaint received 2023-11-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Klarna AB (NC)

I hope this letter reaches you in good health and spirit. My payment installments have came off of hardship, I updated my card on file before this happened and my payments are not going through. Now Im being charged late fees for installments that I have funds to pay but for some reason Klarna is not allowing my payments to go through. Since the payment failed its going to charge my card more and I can only afford small payments at this time, not double and triple payments. Can you please help me resolve this matter by reducing the payment amount, take the late fees off and allow my payments to go through? Thank you very much for your time. Have a wonderful day and please continue to be safe.
Consumer complaint received 2023-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo refused to modify our mortgage loan for us. This forced us into default and loosing our home. We had a law firm that was helping us to try and modify our mortgage. The response from the law firm was that Wells Fargo had a pre-qualifying unit in place that we had to go through to even get to the loan modification department of Wells Fargo. Many requests were submitted by the law firm for a loan modification, and they were all denied. We we were victims of what occurred with many other home owners between the years of XXXX. In Hernandez v Wells Fargo Bank NA Home Loan Modification Settlement Case No. XXXX. Wells Fargo paid on a settlement for refusing homeowners loan modification which cause default and many to lose their homes. This was the case with us yet somehow we were not notified of this case and did not learn about it until after it was closed. Wells Fargo sold our home. This cause severe emotional distress to me and my family as we lost our home of almost 20 years when we were evicted from our home. We have been renting a house since XX/XX/2022. We hope to receive help in this matter and restore what we have lost.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (TX)

I notified the credit bureau ( XXXX ) along with the XXXX companies XXXX XXXX XXXX XXXX dating XX/XX/XXXX, Ally Financial dating XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX  dating XX/XX/XXXX ) that I am a victim of identity theft and that my credit profile has been compromised. I provided them with proof of FTC Identity theft report along with a notarized letter stating such, along with a copy of my driver license and social security card. They have yet to remove these Inquires from my credit report.
Consumer complaint received 2018-05-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc. (MO)

On XX/XX/XXXX, I purchased a XXXX  Buick Regal that was financed through GM Financial. 
The following week, my dealership filed Chapter XXXX Bankruptcy ; hence this caused a delay to obtain the title to register my car. 
I began to speak to GM headquarters starting on XX/XX/XXXX ( XXXX XXXX ext. XXXX ), GM Headquarters said they couldnt assist because the dealership was locally owned and operated. 
XX/XX/XXXX I called GM Financial to check the status of my loan. I was told the funding manager would not fund the loan until the title was transferred and the taxes were paid. 
My loan included the taxes and all dealership funds were tied up in the bankruptcy, so the dealership was unable to pay the taxes. 
I personally never seen the title work but confirmed with my dealership they had it as of XX/XX/XXXX. 
When I began to work with the Missouri Attorney Generals office, I was put in touch with the dealerships floor financer ( XX/XX/XXXX ). 
XXXX was willing to pay the taxes and any warranties, to close my deal. 
On XX/XX/XXXX, I called GM Financial Funding dept. I spoke to XXXX and found that GM Financial returned my loan papers back to the dealership on XX/XX/XXXX and my loan was never completed in their system. 
On XX/XX/XXXX, ( I spoke to XXXX a funding manager ) I requested a letter for my records from GM financial to state the status of my loan and to be grandfathered into a new loan with another dealership and was told they would not send the letter and they would not be able to help with a new loan that it is handled by dealerships only. ( He referred me to XXXX XXXX XXXX ) Both XXXX and myself left separate messages for XXXX XXXX at GM Financial and I was not provided a call back. 
My complaint is that I was discriminated by GM Financial for my dealership filing bankruptcy. I have an almost perfect credit score and should not have any issues with obtaining a loan. I didnt file chapter XXXX bankruptcy so why was I denied the loan without notice. 
On XX/XX/XXXX, the dealership closed their doors as ordered by the Bankruptcy court according the Attorney Generals office.

The loan was originally for 0 % interest with a 72 month term. 
I was denied a discount for purchasing a new GM/Buick automobile for my troubles ( per the GM Headquarters speaking on behalf of the GM rep that covered my dealerships division ). 
GM Financial caused additional ciaos by not funding my loan since my taxes were rolled into the loan.
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service (UT)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-08-09
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. (MA)

I am writing to officially file a complaint with the Consumer Financial Protection Bureau regarding erroneous information present on my Experian credit report. Despite my initial communication with Experian on XX/XX/XXXX, I have not received any response or corrective measures until the present date. The following outlines the inaccuracies that necessitate immediate attention and rectification : 1. Account Verification Request : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} I am formally requesting the verification of information related to the XXXX account. Specifically, I am uncertain about the accuracy of the reported balance of {$440.00}, as this amount appears significantly higher than what I recall owing. Given that Experian has classified this account as closed and charged-off, it is inappropriate to display a Past Due amount. In order to address this discrepancy, I intend to directly communicate with the creditor. During this process, I kindly request that you mark this account as disputed to prevent any further negative impact on my credit score. Additionally, I urge you to validate and correct the Date Opened, Date of Status, and First Reported details associated with this account. 


2. Account Removal Request : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} I formally request the expeditious removal of the XXXX account ( Date Opened : XX/XX/XXXX ) from my Experian credit report, as it is not associated with me in any manner. 


3. Account Removal Request : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} Similarly, I request the immediate elimination of the XXXX account ( Date Opened : XX/XX/XXXX ) from my Experian credit report, as it is not linked to me. 


4. Account Removal Request : Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$100.00} Additionally, I request the prompt removal of the XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove 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
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IA)

My monthly student loan repayments resumed on XX/XX/2023 and were paid on that date via autopay. 

On XX/XX/2023, I made an additional payment toward my student loan ( loan sequence XXXX, as Mohela calls it ) in the amount of {$77.00}. {$31.00} was applied to interest accrued on the loan and the remaining {$45.00} was applied to the principal balance. 

Upon discovering this, I contacted Mohela to have the total additional payment redirected to go entirely toward the principal balance, NOT to have it split between principal and interest. I was instructed by the Mohela representative to upload a written instruction on the Mohela website instructing them to have the payment applied to the principal balance of loan sequence XXXX. She stated the payment would then be reapplied correctly to the principal balance. 

I filed this written instruction on the website on XX/XX/2023. 

On XX/XX/2023, I also made another additional payment in the amount of {$200.00} toward loan sequence XXXX. {$6.00} was applied to interest that had accrued, and the remaining {$190.00} was applied to the principal balance. On that date, I also included a written instruction to have the entirety of this additional payment to go toward only the principal balance of loan sequence 4, NOT toward any interest.

Again, these two additional payments were in excess of my scheduled monthly payment amount. 

On XX/XX/2023, I called Mohela to follow up on the reapplication of the money to the principal. I was informed that my written instruction was " cancelled ''. I never received any correspondence from Mohela to let me know that it was cancelled. The representative then told me that all payments had to go toward paying the interest on a loan first and then any left over money would then be applied to the principal balance. 

This is in direct conflict with what the original representative had told me XXXX weeks prior. Again, this is not my monthly payment. I understand that the monthly payment must go toward interest first, and then principal. These are additional payments. This practice substantially prevents people from being able to pay off their loan early or even trying to get ahead. I believe it is unlawful and being done in bad faith.