davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Sometime during the week of XX/XX/2024, After attempting to have a new card issued to me over the phone, chase bank declined to give me a new card unless I went to the branch to verify myself. I went to the chase close to me and then I was denied service there because they did not accept my state issued commercial drivers license due to a minor damage on the corner. The damage did not affect their ability to verify me in any way and did not impede their ability to see any of my public information ( Name, Birth date, Address, DL number ) This has halted my ability to have funds available to me and pay my bills on time. They have also refused to issue me a digital card. This too has hindered me from being able to operate day to day functions. 

I am demanding that my digital card and physical card be issued to me.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I requested my free annual report from all three credit bureaus. I received XXXX of my XXXX reports immediately except for TransUnion. TransUnion demanded that I submitt XXXX different forms of documents like utility bills, bank statements, etc all of which can not be more than XXXX months old. This is an absurd additional burden since the other XXXX credit bureaus had no problem with my identity. I do not live in the US although I still retain and use a credit card. Simply responding is a burden much less meeting their demands.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER HOLDINGS USA, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Cell Phone : XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX Iowa XXXX Dear Sir/Madam, I am writing to file a formal complaint against Santander Bank regarding the abrupt closure of my business checking account and the prolonged delay in refunding my initial deposit. My name is XXXX XXXX, and I am the owner of XXXX XXXX, with an address at XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX. 

On XX/XX/2023, I opened a Business Checking Account with Santander Bank at the XXXX XXXX, in-person, with an initial deposit of {$5000.00}. I chose Santander Bank because of its proximity to my business and a promotional offer that required maintaining a {$5000.00} balance for 90 days to receive a {$500.00} bonus. 

However, on approximately XX/XX/2023, I received a letter via XXXX Mail notifying me of the abrupt closure of my business account, which had only been open for a short time. As of today, XX/XX/2023, my initial deposit has not been returned to me. 

I attempted to resolve this issue by contacting Santander Bank 's customer service on XX/XX/2023, and received Complaint Reference Number XXXX. Unfortunately, the customer service representative I spoke with was uncooperative and could not provide me with a clear timeline for the return of my funds. I requested an expedited refund of my deposit, but the response I received was vague, leaving me uncertain about when I would receive my funds. Santander Bank has held my funds for over 1.5 months, causing me significant financial stress and frustration.

I would like to emphasize that my request for a business checking account did not involve seeking any credit facility from the bank. The abrupt closure of my account has had a negative impact on my credit report, as it now shows that the account was opened on XX/XX/2023, and closed within a month. This adverse information will create suspicion among potential financial lenders and negatively affect my financial standing for the next five years.

I believe that I and my business have not been treated fairly by Santander Bank, and I request compensation for the loss of the promotional bonus, the time wasted in the account-opening process, and the frustration caused by this ordeal. Furthermore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Santander Bank addresses these issues promptly and appropriately. 

Bank took into consideration attached report from XXXX XXXX XXXX. I do not see any problem in the report. Report is attached. 


I appreciate your prompt attention to this complaint and your efforts to protect the rights and interests of consumers. I look forward to a resolution that rectifies this situation and prevents similar occurrences in the future. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NV)

Someone stole my phone back in XXXX and there was 3 transactions unauthorized transactions that amount to XXXX and they are telling me the error wasnt a error so they are stealing XXXX from me and Im mad as heck That is my rent money and no I will get a eviction I hate This
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CT)

Regarding Case XXXX XXXXXXXX This case particularly bothered me because I called for a status update 1 full week after submission and was told the case was sitting in an open queue and not even assigned. The case involves my Discover portal being hacked and demographic information changed without my knowledge or authorization. This can be extremely damaging as the suspect can certainly obtain enough information to open credit cards and other accounts in a fraudulent manner using my identity. 

I am attaching the following documentation to this complaint : 1 ) Police Report ( Complaint XXXX XXXXXXXX ) XXXX ) FTC Identity Theft Affidavit ( FTC Report XXXX XXXX ) As a result of the identity breach, I have decided to close my Discover account as the urgency and response to this matter has not been appropriate in my view. 

I have contacted the Connecticut Attorney General 's office ( XXXX ) and plan on filing an official complaint if this matter is not resolved in a timely manner.
Consumer complaint received 2018-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc. (CA)

I was notified of a new account on my credit report. Upon looking look like a unknown account for the amount of {$260.00} was placed for collections on my report from NCC XXXX, FL. I am unaware of any past due or delinquent account.
Consumer complaint received 2015-03-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

XXXX XXXX with Nationstar on XXXX/XXXX/XXXX @ XXXX called to informed me AGAIN my loan modification had a problem, he noted that it was an accounting error. The papers were re signed on XXXX/XXXX/XXXX for the XXXX time. He noted they would offer {$300.00} cash gift card. I received a letter tape to my door offering {$150.00} stating my MOD loan was rejected. My loan modification has been booked several times once in XXXX and XXXX now they 're saying it has been rejected. Please see previous compliant on case # CFPBXXXXXXXX On XXXX/XXXX/XXXX Nationstar deducted out of my checking account than what is agreed according to my Modification. My agreed amount is XXXX, they deducted {$990.00}. Solution provide correct documentation my loan should also remain as per noted on Loan Modification documents, refund the amount they taken out of my account unauthorized.
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since I am a veteran and it involves the FCRA in a very consumer-focused state, the Offices of Senator XXXX, Attorney General XXXX XXXX ( Governor Elect ) and Governor XXXX XXXX of Maine have all shown an interest in this situation, and most advice seems to lead to the FTC. Thank you in advance for any help provided.

In addition to many other resulting expenses involving high interest rates on low value credit cards, difficulty getting a good job equal to my experience and education, and the inability to purchase or lease a car, XXXX just denied denied me a credit card because XXXX incorrectly reported my FICO score at XXXX instead of about 800 as it should be. All 3 bureaus refuse to repair their database models to fix this obvious problem. They dropped my FICO score by 180 in XX/XX/2017 by error and say they can't or won't fix it. Either way appears to me to violate the law?! I believe there must be tens of thousands if not hundreds of thousands in this same situation.

An XXXX supervisor I spoke with admitted to me on the telephone they do and can not not adjust scores when it is proven to them and admitted by the billing entity that it made a mistake even when the original 30 / 60 / and 90 day late and collection in my case are removed at their request.

Today XXXX reports FICO at XXXX, and Transunion the same.

The error was for an emergency room visit In XX/XX/2017 the Veterans Administration should have paid. My FICO decreased due to one ER room visit that the VA owed as follows : 1. XX/XX/17 XXXX ( collection-related ) 2. XX/XX/17 XXXX ( collection ) 3. XX/XX/17 XXXX ( pre-collection ) 4. XX/XX/17 XXXX. ( 60 days ) 5. XX/XX/17 XXXX ( 30 days ) Total : -180 This is a simple fix to a database program.
Consumer complaint received 2017-05-04
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: Experian Information Solutions Inc. (GA)

I have sent  XXXX  certified letters to each reporting credit bureau agency  XXXX ,  XXXX , and Experian on  XXXX  separate occasions to dispute an inaccurate  Public Record  being reported on my credit report. I have been totally unsuccessful in having this inaccurate  Public Record in formation removed from my reports. Every written/certified request to have the item removed comes back with the explanation the item has been verified and/or verified as accurate. If this is the case, why not supply me with the proof as requested in my letters? Because they can not. I feel my RIGHTS as a consumer have been Violated. This inaccurate  Public Record is  making it difficult for me to obtain the proper credit, decent interest rates, approval for housing, etc ... As a consumer, I have the right to have my credit report accurate information without error. I am asking for your assistance to have this  Public Record r emoved from all  XXXX  of the credit bureau reporting agencies.
Consumer complaint received 2021-10-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

I am a XXXX XXXX XXXX veteran with a home Mortgage through freedom Mortgage. Because of my XXXX status, I have an approved 100 % property tax exemption from the state of Illinois. On XX/XX/XXXX, I called freedom mortgage to request that my escrow reanalysis occur in order to take this exemption into account. I sent the approved exemption and the new tax bill of {$0.00} to the tax department as requested. An escrow reanalysis occurred, and I received a letter stating that my monthly payment was lowered but that I still would pay a substantial amount into escrow every month for taxes. I then spent the next 3 months waiting on hold and speaking with the tax department and escrow department. EVERY person I spoke to realized the error, said they would fix it, and send it back to the escrow re-evaluation to have the escrow fixed. I would then receive a letter in the mail saying their was no change. I have spoken to the tax department, I have had my case elevated and I have had assurances that the error has been fixed. Then when the escrow research or reanalysis is conducted, nothing changes. Literally every person who I have talked to on the phone has said I am correct, but yet the problem persists. 

I then made the mistake of choosing to conduct a IRRL refinance with Freedom Mortgage in hopes that the issue could be resolved that way. I spent about 5 weeks speaking with my mortgage officer and the underwriters to get the correct closing documents showing that I paid XXXX taxes. Finally, on XX/XX/2021, I was sent closing documents showing that my escrow would not include taxes. The closing scheduler on the phone assured me that everything was taken care of. When the closer arrived today, property taxes were put back into my closing disclosure. If this is not resolved today, I will be cancelling my refinance with freedom mortgage.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

none of these companies possess a copy of my identification, nor have they acknowledged receiving one to the best of my knowledge. It raises a significant concern that these accounts were furnished without proper verification of the account holder 's identity. I did not personally initiate the opening of any of these accounts in a branch or elsewhere. Whatever form of identification was submitted in relation to these accounts does not accurately represent my identity. I am left wondering why these discrepancies are being associated with my name and affecting my credit profile. 

the accounts in question are as follows THESE WERE ALL FRAUDULANTLY OPENED ACCOUNTS AND I NEED THE INFORMATION I REQUESTED WHICH IS REQUIRED BY LAW MY IDENTIFICATION MY SIGNATURE SENDING ME A ACCOUNT WHICH WAS FRAUDULANTLY OPENED AND SAYING IT WAS MAKIGN PAYMENTS DOESNT PROVE LEGITAMACY IF THEY MY IDENTITY WAS STOLEN/ COMPROMISED THIS IS OBVIOUSLY SMOEONE PRETENDING TO BE ME XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$4700.00} XXXX. XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX Account number Date opened XX/XX/XXXX I am writing to express my deep concern regarding the investigation conducted by your agency, as well as the ongoing issue with certain accounts on my credit report. 

At the time these accounts were opened, it is my understanding that my identification was not provided, and there was no evidence of my signature or consent to open these accounts. To clarify, my uncle XXXX XXXX had opened these accounts in my name without my consent. Regrettably, upon his passing, I have discovered that my identity was compromised, and he had been using my name for various financial services, including cable, bank, and credit card accounts, as well as cell phone services. This revelation has shed light on why these accounts have been maintained under my name, even though I had no involvement in their establishment. 

I would like to emphasize that I was unable to engage in any financial transactions or manage such accounts between XXXX and XXXX, due to personal circumstances that I would rather not discuss in detail. but for the important part i was not in the country Your attention to this matter is greatly appreciated, and I look forward to a swift resolution.
Consumer complaint received 2023-11-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO. (CA)

My home is in foreclosure, no date of sale yet. On XX/XX/23 I submitted a payment of {$8500.00}, which is what I thought the amount of missed payments was at that time. The check was not cashed. On XX/XX/23 I contacted Chase to ask why the check was not cashed. I was told the check was not in the correct amount. I was told Chase would not accept a " partial payment '' and I was also told that there were now fees and costs of {$19000.00} in addition to some other fees that would all have to be paid in additon to the missed mortgage payments in order to bring mortgage out of foreclosure. I asked for verification of these these fees, and none were given. I also asked if paying the sum of the missed payments would be satisfactory to bring the loan out of foreclosure, I was told no. I told them I did not beleive that they could require me to pay almost $ XXXX in attorney fees and costs and not accept my payment of just the total missed payments. They said that I could order a reinstatement amount, but I would have to provide them with the date the payment would be made and that the reinstatment amount they provide would include all the fees and costs and would not provide an explanation or verification of them. 

On XX/XX/23, separate of my conversation with Chase, I received a standard email from Chase saying that the amount due on the loan is {$9000.00}, due on XX/XX/23. 

On XX/XX/23 I sent an email to XXXX XXXX XXXX XXXX, the company trying to collect the debt on behalf of Chase. My intitial email requested a breaddown of fees and costs and asked what the specific amount that had to be paid to bring the loan out of foreclosure was. They responded same day saying " hello team, see below '', which my email was below. I heard nothing back after that. I sent a follow up email on XX/XX/23, and on XX/XX/23, I got a response that my email was forwarded to the reinstatement team for processing, and that takes XXXX days. 

I want to know specficially the following : XXXX. What is the amount of money I must pay to bring loan out of foreclosure? 
XXXX. If that amount is more than just the missed payments themselves, what fees and costs can they legally charge. 
XXXX. Are the fees I am being charged legal, excessive, or valid.
Consumer complaint received 2023-11-20
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

The card doesn't work in any common online vendors such as XXXX, XXXX, and XXXX. A XXXX cent processing fee still appeared to have gone through but the card was rejected regardless. American Express website won't display the balance of my card unless I click on the original gift card link sent to me from my company. 

This should be considered a scam.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

To the CFPB I'm submitting this complaint against Chase Bank NA, because this bank and or collection agency actually violated federal laws, FCRA, FTC. I have made contact by phone to ask them to validate these accounts. 
I was not aware of a legal action against my person back in XXXX  This collection agency acted unlawful by summing this action to collect two accounts that someone, with out my permission, was opened at Chase Bank. I need a full investigation on my behalf. I'm over 55 years of age and considered a senior citizen. 
This account was never validated. Under federal laws, I need all documents when this account was open. I understand that Chase Bank closed this account because of fraud. I am in need of the whole application and documents to be able to validate this account. 
1 application 2 first day of delinquency 3 payment history 4 history of reporting to credit bureau 5 assignment of sale from__________ to?

6 a break down of interest and fees 7 legal fees if applicable 8 name of the judge on the default judgment if applicable 9 bar number from the lawyer that submitted the complaint if applicable 10 collection agency number to collect in my state.

11 ACCOUNT # ___________________
Consumer complaint received 2023-08-29
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: Grain Technology, Inc. (CO)

In XX/XX/2022, I was XXXX  for an emergency XXXX XXXX XXXX, and was without pay for 1 month. During this time, my auto loan was late. Causing me to incur a late payment on my credit report. I am now in the process to purchase a home and was informed that I will not be approved because the late payment with XXXX is negatively impacting my credit score. Due to the XXXX in XX/XX/2022, I am requesting that the late payment be waived and update to paid on time so I can be approved for my new home as my lease is up in XXXX.