davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (TX)

Please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. The account was opened XXXX. This account and debt should have been ceased as of XXXX. Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense I expect the following account to be deleted from my credit report within 7 days : JPMCB CARD XXXX. Your company is not only in violation of FCRA violations for trying to collect on an expired debt, but you are also reporting inconsistent information to the credit reporting agencies when all data furnished should be complete and accurate. How are you reporting different payment history, balances, and date last active for the same account? This is clear negligence, defamation of character, and gross misconduct. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 7 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your organization has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. See attached account referenced.
Consumer complaint received 2023-10-30
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: National Credit Adjusters, LLC (OH)

This is now in my credit report. It is from an online loan from XXXX XXXX  which I did not do myself. Someone else took this loan out from this particular bank. Is its been sent over to National Credit Adjusters who are trying to collect this money. I have talked to them and discussed to them that I didnt take this loan out. They then told me to go to this website and put in a fraud claim.
Consumer complaint received 2023-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO. (DE)

XX/XX/2023. Two invoices were submitted to a customer with a link to pay through Chase QuickAccept. My customer immediately paid but after a few days, I checked the account again and discovered my account has been closed and funds were placed on 120 day hold. Was told by customer service that their merchant service was a email only customer service department. I would need to submit invoices for the amounts billed. Never heard a response after emailing so I called customer service again. They finally transferred me to a merchant service representative ( apparently they did have a customer service number ) who told me that they never received a complaint so I was given a different email. I submitted the dispute once again, the response was bland and stated that the account was closed and that I may receive the funds after 120 days. I responded to the message, demanding for an explanation and have not received a single response. Now its XX/XX/XXXX, I called the quickaccept customer number again and they confirmed the account was closed. The money was on hold, and my funds would still not be available for another month when it would be placed in their consideration to be released. How is it possible that a bank is required to give you a reason to be denied on a loan, but will not disclose why they have your money on hold and have closed your account without ever giving you the account number.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion has placed an account # XXXX on my account. This is not my account. How did they place this on my credit report? How many mistakes must they continue to make without respite or without repercussions? It is clear and quite evident that this is an account that belongs to someone else. It is their job to report COMPLETELY -- ACCURATELY.
Consumer complaint received 2024-05-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (MT)

I thought that I had resolved the fraud with the XXXXXXXX XXXX XXXX, I talked to someone about the card and the account being closed but in the last two months Ive received bank credit card statements from Goldman Sachs and the say that I have a balance on the card of {$3200.00}. I have a letter from them stating the account was closed and I talked to someone from their company saying the account was closed and since those I have received those two bank credit statements claiming I have a balance. Please any help is appreciated to be done with this fraud.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Account Name : XXXX XXXX XXXX, Account Number : XXXX. 

By definition, a Charge-Off is Gross or Ordinary Income. So if it's categorized as Income, Gross or Ordinary Income, how is that Income being reported on the Consumer Report when the IRS says it's Income and you're supposed to file it with your taxes, whether or not you got the 1099c. 

That changes the Status of the debt. It's not debt anymore. It's Income. You don't file taxes on debt, you file taxes on Income. Earned, Gross or Ordinary Income. 

This is Income. Why are you reporting an inaccurate account? It can't be income and debt at the same time. How is this corporation going to report this as debt and it's not. 

So, now, you are furnishing inaccurate information. So what Charge-Off are we talking about? 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Omega RMS, LLC (AL)

I was contacted by Omega RMS XXXX I requested verification of debt with original signature nothing was provided. Disputed validity of debt XX/XX/ and sent a cease and desist letter requesting removal of reporting from credit reports and received no response. No full account number provided on credit profile, inaccurate data is being reported, and no collections agency address exists on my record.
Consumer complaint received 2024-01-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Citizens Bank promoted and promised an interest rate of 5.5 percent on {$25000.00} increments of new money. When I got my first monthly statement after depositing {$100000.00} dollars of my life savings, the interest rate was 5.37 percent and not 5.5 percent as customers were lead to believe. Im a XXXX XXXX and feel that Citizens Bank took advantage of me. I never would have moved my money there. 
XXXX XXXX XXXX Citizens Bank is located at : XXXX. XXXX XXXX XXXX, RI XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (MN)

this notice to opt out was sent to all companies listed on XX/XX/XXXX. IN VIOLATION OF 15 USC 6802-15USC 6805 ( OPTOUT ), THE PRIVACY ACT OF 1974. AND IT IS ILLEGAL TO REPORT TRANSACTION HISTORY WITH OUT THE WRITTEN CONSENT OR INSTRUCTION OF THE CONSUMER. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (VA)

They notified me of fraud charge from XXXX and blocked it. But then they processed it. they told me to call them to turn my card back on. They dont answer the phone. Ever. Horrible company in dealing with fraud.
Consumer complaint received 2023-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (CA)

I was scammed. Someone open an account with PayPal using my information. And I didnt know anything about it until XXXX  sent me an alert regarding an account thats over. And when I checked it was open XX/XX/XXXX with XXXX dollars. I know nothing about.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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. 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TN)

I received an email on XX/XX/23 from my previous student loan lender, Great Lakes, informing me that they were merging with Nelnet. In this email I was also advised that the transfer would begin on XX/XX/23. On XX/XX/23 I received an email from Nelnet informing me that my information had been successfully transferred to Nelnet from Great Lakes and I could set up my account. I did set up an account through Nelnet and was very disappointed to see that they had not added any of my previous payment document to my account. I sent them an email right away requesting they send me that information. I did not receive an email back until XX/XX/23 and it was very impersonal automated response : Thank you for your email. We apologize for not responding sooner. Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). If youve already contacted us by a different means and/or resolved your issue, please disregard. Otherwise, we believe that one of these options may be the best way to find what you need : where you can view your loan details, apply for repayment assistance, and more. 
For answers to common questions, check out our FAQs page. 
For information about all aspects of federal student aid, please visit XXXX. 

Im a former Great Lakes borrower and looking for my payment history. How do I get it? Were in the process of obtaining payment histories from Great Lakes and making them available to view through your XXXX account in the coming weeks. Please look for new documents to appear in your Inbox once your payment history is available. 

After I received this email I have been patiently waiting for those documents to appear on my Nelnet Account. I am not pleased that student loan payments have resumed and I still dont have this information. I looked at my account today XX/XX/23 and my account actually stated that my loans should be available if I opened my inbox on my account and after following their directions and only seeing the history from this past months statement I preceded to email them again stating that I had not received any of my past payment history and that if I didnt in the next 30 days I would be opening a lawsuit against them. That is why I am filing this complaint. They are withholding information that I am entitled to have full access to and it is simply unacceptable.
Consumer complaint received 2024-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

I received an escrow analysis from my mortgage servicer that my escrow balance was short nearly XXXX and my monthly mortgage payment was due to increase over XXXX monthly. I closed on my property XX/XX/XXXXXXXX  and prepaid 1-year insurance and also escrowed an additional 3 months at closing. I provided SPS with the copy of my closing documents as well as the canceled checks for the premiums sent. In XXXX on XXXX I changed insurance companies with a lower premium. There is no possibility after living in a property for 2 years and prepaying 1 year 3 months at close as well as paying monthly I can be XXXX behind. The math does not work. I disputed the escrow analysis in XXXX of XXXX  and still have not received assistance as they claim they need more time.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am a victim of identity theft. I filed the correct paperwork per the FCRA and submitted the paperwork with my disputes to the credit agencies. Nothing has been done and I have not received copies of the verification process.
Consumer complaint received 2024-04-23
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: CAPITAL ONE FINANCIAL CORPORATION (ID)

I was referred to the Captial One Quicksilver card through someone who has the card already. They told me that if I was accepted for this card that they would receive a {$150.00} referral bonus and according to the referral link that I attached below I would receive a {$200.00} sign on bonus if I spent {$500.00} within the first 3 months of opening the card. I was approved for the card on XX/XX/2024 and used the card and reached the {$500.00} amount. The person that referred me to the card informed me that they received their {$150.00} referral bonus, but I did not receive my {$200.00} bonus. I called Capital One to ask why I did not receive it and they informed me I did not qualify for it. They have given no reason as to why I did not qualify for it even after I provided them with the information that every link I used when applying for the card indicated that a {$200.00} bonus would be provided if I spent the {$500.00} total amount within 3 months. The only other terms that I can see is that I could not have been a holder of a Capital One card within the last 24-48 months and I have never held a Capital One card up to this point. They have not responded to my questions asking for a detailed explanation on why I do not qualify. I have not heard back from them since XX/XX/2024.
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On the XXXX of XX/XX/2023, I was apparently spoofed, which I had never heard of that term before, until I was told by the XXXX XXXX department. I received a call from USAA ( the XXXX number ) which popped up on my phone. when I answered, the person on the other end identified herself as whoever with the XXXX department, and had informed me o a suspicious transaction attempt of {$900.00} dollars in XXXX OH, I stated that was not me, and she commenced to ask questions, which legitimately sounded like a USAA employee ( all the same Verbage ) as she was supposedly fixing the issue, she also stated that someone is attempting wire {$2100.00} from your account and she asked if it was me, I said absolutely not, and she acted like she was taking care of it. needles to say I got spoofed because this was not USAA and I had never heard of such a thing. the next day the XXXX, I called USAA to check on my account because I noticed the {$2100.00} was still gone, and I check my account daily. That is when I found out that USAA had no knowledge of this correspondence, this is when I was told I had been spoofed, I was transferred to the XXXX department, where all my info was changed, and the fraud was reported. I called today to find out what the status of my money was, and what was the estimated time of receiving my {$2100.00} and I was informed that they are doing there best to retrieve the money, but if they don't I am out {$2100.00}. I told the lady this was not my fault, and I kept my composer even though I wanted to scream, but it was not her fault. And she said she would report what we spoke about trying to help me get my money back through another investigation, because once again this is not my fault, I thought it was the bank that called. I have been a member for over 25 years and this has never happened. I am reporting this because I just want my money back. what's the point of having a bank if they can not protect the money in it. what happened to FDIC,
Consumer complaint received 2023-12-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NJ)

Our mortgage was transferred from XXXX XXXX to Mr. Cooper. In Mr. Cooper 's letter of XX/XX/2023, we were notified that derived from its escrow analysis there would be a shortage and the amount needed to bring the account current would be {$2200.00}. In past years, prior to Mr. Coopers acquisition of our mortgage obligation from XXXX XXXX, when such an analysis had resulted in a shortage, we paid that amount, primarily to keep our payments as steady as possible as we rely on fixed incomes. Therefore, we paid this shortage but to our amazement and utter surprise, we have been informed that the monthly payment would still increase as the action of paying the shortage did not result in what we were attempting to accomplish. 

In several conversations we have been unable to get an answer to why the monthly payment amount has changed so significantly. As noted in these calls to their representatives, my understanding of the escrow analysis and the subsequent is that he analysis is a projection of, and for protection against any shortage during the ensuing 12 months. Additionally and more importantly, the information provided by Mr. Cooper on its internet page states : You can prevent this additional monthly payment increase by paying the shortage as a lump sum before the new payment effective date, but this lump sum payment is not required and is completely voluntary. We paid the shortage. The staff members to whom we spoke say this is not the procedure and there is no recourse. Our monthly payment amount increased.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, Chase Bank unexpectedly closed my account without providing any reasons. As an XXXX XXXX I have relied on Chase for over eight years for routine banking needs, including XXXX XXXX XXXX XXXX XXXX XXXX. The account closure occurred following a standard transaction for my XXXX XXXX, a typical and recurring payment in my banking history. 

This unexplained action has caused significant inconvenience and concern. I have always adhered to the banking norms and am unaware of any actions from my end that might have led to this closure. Therefore, I request a detailed explanation from Chase regarding the specific reasons and circumstances that prompted this decision. 

I am prepared to cooperate fully and provide any necessary information to clarify this matter. However, I wish to ensure that my personal details, such as my name, account number, address, and Social Security number, remain confidential at this stage of the complaint. I am seeking the CFPBs assistance in resolving this issue promptly and transparently to understand and address any misunderstandings or errors.
Consumer complaint received 2021-03-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I paid off my loan balance on XXXX XX/XX/21. They did not send me any proof of pay- off. Final bill amount was {$3000.00} on the statement. I called 4 times requested clear tittle on my property. Still, I wait Full Reconveyance.
Consumer complaint received 2024-01-10
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: National Credit Adjusters, LLC (TX)

7inquiries These lenders have accessed your credit file : 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