davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IN)

XXXX XXXX XXXX charged me 3 times for the same transaction. Their machine was denying charges due to internal system error. When I checked my account all XXXX transactions posted. I have contacted the bank, Chase, who did give me a temporary credit and I contacted the owner of the marathon station who contacted marathon directly twice to get me refunded. Both times they said they could see the denied charges but money was taken and I would be refunded in XXXX days, both times this did not happen. I contacted marathon myself who stated money was sent over on XXXX yet still nothing. Bank is now taking away the credit, Chase has not helped me resolve this issue at all, marathon is obviously not doing right by me, the consumer. XXXX charges of XXXX for nothing at all
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Transunion : XXXX XXXX Account # XXXX
Consumer complaint received 2023-09-21
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: Experian Information Solutions Inc. (MA)

PLEASE INVESTIGATE THESE ACCOUNTS AND THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (FL)

On XX/XX/XXXX, our auto insurance premium  was paid from our mortgage escrow assets by Freedom Mortgage. I obtained a refund of the duplicate automobile insurance payment made by Freedom Mortgage from the insurance carrier. I did not return the refund to the escrow account for reasons stated in the attached correspondence. 

The consequence is that Freedom Mortgage raised our XXXX monthly escrow contribution by 93 %. 
This punitive increase is due to the fact that Freedom Mortgage insists on using the total insurance payouts from last year in the escrow analysis. The factors being applied are inaccurate and occurred due to an error committed by Freedom Mortgage 's processing department. 

I spoke with an insurance department representative at Freedom Mortgage on XX/XX/XXXX. Her name was XXXX. XXXX was able to isolate and validate my contention that the escrow analysis was inaccurate and based on faulty input. XXXX requested a recalculation of the escrow analysis using accurate data. 
I also spoke with an escrow analyst named XXXX on XX/XX/XXXX. XXXX concurred with XXXX 's request to have the escrow analysis reviewed and updated with the proper inputs. XXXX guaranteed that the new analysis would be available by XX/XX/XXXX. 
The firm remains unresponsive to the validated concern described.
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My mortgage servicer " Nationstar Mortgage '' continues to misapply my payments, Every month I make and additional principal payment which I have instructed them to apply to the unpaid principal balance along with my principal & interest payment due. When I get the monthly statement they are posting the additional principal as a short payment and reporting a " Lender Paid Expense ''. This company has not incurred a " lender paid expense " on my account. I have contacted them every month and they have not resolved the matter and continue to misapply the payments. HELP!!!!
Consumer complaint received 2018-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On Sunday, XX/XX/XXXX, I made a purchase for a meal at a XXXX XXXX Restaurant located at XXXX XXXX XXXX, XXXX, CA XXXX ( Store # XXXX ). I was told by the restaurant attendant to wait 30 minutes for the order that I placed at the drive thru window of the restaurant. The order was untimely and I was not properly treated by the attendant of the restaurant. I canceled my order and did not purchase from the restaurant. 
On Tuesday, XX/XX/XXXX, a charge in the amount of {$7.00} was posted on my credit card account for the same order. I initiated a charge dispute with Capital One as I was unable to obtain a refund from the merchant. On XX/XX/XXXX, I received an email confirmation stating that an investigation was initiated. ( See Attached Email dated XX/XX/XXXX ) Capital One requested further information about the dispute and this was provided to them. 
On XX/XX/XXXX, I received a letter from Capital One stating that the investigation initiated by Capital One was completed for the transaction and that based on a previous review of the transaction the investigation was decided appropriately. ( See Attached Letter from Capital One Dated XX/XX/XXXX ) As of the present date, no refund has issued by Capital One or merchant for the charge that was made to the credit card for the food item that was not purchased. Capital One was unable to resolve the transaction dispute favorably on the basis of the facts provided to them where a refund was warranted.
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (GA)

Applied for a Chase XXXX credit card from the XXXX website in late XX/XX/year>. Offer was for XXXX XXXX points if spend {$3000.00} or more in first XXXX  months of opening account. Was only given XXXX points XXXX points and was told my offer was for XXXX and {$100.00} after {$1000.00} spent in XXXX  months. XXXX nor Chase has an offer like this that they advertised. Chase never informed me they changed the offer I applied for. There is also a {$99.00} annual fee for this card that I have already paid. Would have never applied for this card and paid {$99.00} for this offer that Chase has substituted for what I applied for. This is an obvious bait and switch by Chase and XXXX. All I want is what I was promised in the offer. Nothing more or less. Note the offer screen shot in the attachments is addressed to me by name.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MI)

This is XXXX, XXXX here on behalf of XXXX XXXX XXXX applied for a Discover It Card for family and household purposes on XX/XX/2023 application number ending XXXX. I received a denial which caused me and my family great harm. Regardless of the reason for denial I have a right to CREDIT and denying me an extension of credit is discrimination pursuant to the EQUAL CREDIT OPPORTUNITY ACT, TRUTH IN LENDNG ACT, AND CONSUMER CREDIT PROTECTION ACT. Also withholding my securities is SECURITIES FRAUD. I sent a counteroffer to Discover certified mail XX/XX/2023 as i assumed the denial was an error. If this can't be rectified immediately I instruct Discover Bank to RETRACT my application, and place a stop payment on any XXXX 's as i have recieved no benefit nor preauthorized any transactions.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

On XXXX. Made a wire transfer to XXXX XXXX address XXXX XXXX XXXX XXXX. 
Bank Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$8000.00} from Chase Manhattan Bank checking account in the amount of {$8000.00}. 
Within XXXX minutes of the transaction, called to recall the wire from Chase Bank as the beneficiary said the account was closed. 
The bank said the transaction was completed and can not be recalled. 
This is fraud. It is impossible that Chase already transferred the fund to an international account right away. 
Now a case was opened. XXXX and Chase claimed the money was at the XXXX XXXX and refused the recall transaction and kept the money.

Please refund {$8000.00} back to the account.

This is a fraud.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (OH)

i was recently released from a long XXXX  when i found on my credit report to be suspicious activity or in other words my identity was being use without my authorization. On XX/XX/XXXX i sent to XXXX, XXXX, and XXXX via priority mail an Identity theft Affidavit, dispute letter and supporting documentation such as Proof Of XXXX. The expected delivery date was XX/XX/XXXX. Also on XX/XX/XXXX i sent dispute letters and supporting documents individually to the creditors XXXX XXXX XXXX first progress card, and XXXX XXXX  with expected delivery dates of XX/XX/XXXX and XX/XX/XXXX. ( after verification with mail carrier it was confirmed that all packages was in fact delivered on their expected dates ) On XX/XX/XXXX XXXX XXXX  system shows that they received the documents. In between that date and the date of XX/XX/XXXX XXXX was investigating the claim. On XX/XX/XXXX XXXX completed the investigation but there were still XXXX accounts on my credit report that resulted from identity theft. Those acounts that were not removed as a result on my SSN being compromised were XXXX XXXX XXXX XXXX acct # XXXX  Balance : {$16.00} -first progress card acct # XXXX Balance : {$170.00} XXXX XXXX acct # XXXX  Balance : {$0.00} On XX/XX/XXXX I recorded a call with a representative by the name of XXXX who best advised me to file another dispute. So felt with no other options i took the advice of the representative.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I applied to open a secured Credit Account with XXXX XXXX / XXXX XXXX. XXXX XXXX ( also known as XXXX XXXX ) is erroneously trying to charge me multiple Late Fees on top of a {$25.00} Annual Fee, and is Threatening and Harassing me by wrongfully reporting to credit agencies that my account is 30-59 days Past Due. 

According to an email I received from XXXX XXXX  on XX/XX/2023, my XXXX XXXX Checking Account was charged on XX/XX/2023 by XXXX XXXX in the amount of {$100.00} for the opening deposit required by this secured credit card. 

Without any warning whatsoever, XXXX XXXX XXXX slapped a {$25.00} Annual Fee onto the secured credit card account, I swear or affirm under penalty of perjury I was never advised about this. XXXX XXXX XXXX then slapped two additional " Late Fees '' onto my credit card account, in the amount of {$25.00} and {$41.00}, bringing the total balance to {$91.00}. I called to complain about these erroneous charges and the fact that I was never alerted about this balance even one time before my credit monitoring service alerted me that my credit bureau scores had dropped 80 to 100 points and one of my accounts was being reported as Late. 

To be clear, I HAVE NEVER USED THE CREDIT CARD FOR ANY PURPOSE. NO BILLS OR CHARGES HAVE BEEN APPLIED TO THIS ACCOUNT SINCE I MADE MY {$100.00} Security Deposit. 

I have contacted XXXX XXXX XXXX and offered to pay the {$25.00} Annual Fee, they are refusing to accept this as payment in full, they want me to pay them {$50.00}, and is only willing to drop the last {$41.00} Late Charge. When I log into my account online, the XXXX XXXX XXXX system says Current Balance {$50.00} but when I view the Current Balance Due it still says {$91.00} and their system will not allow me to make any payment less than the " Full Balance Due '' so I can not even make a {$25.00} payment and dispute the rest. 

In addition, XXXX XXXX XXXX is using the credit reporting bureaus to try to Extort me for the payment, and as a result of their reporting, my credit scores have fallen XXXX to XXXX points in under 60 days, putting them in the range to where I can not effectively get a new car or purchase a home. This should be a CRIME. 

This is my account information : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX The XXXX XXXX XXXX XXXX  XXXX is issued by XXXXXXXX XXXX XXXX, GA, Member FDIC. 

As of XX/XX/2023 I have also filed Disputes with Credit Bureaus through Creditkarma.com and I Complained to my XXXX 's Office of Attorney General mediator, who advised me that the CFPB is the most appropriate agency to deal with this matter.
Consumer complaint received 2023-10-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: FIRST INTERSTATE BANCSYSTEM, INC. (WY)

Do to First Interstate Bank delay on our construction loan of 5 months past occupancy. Home owner initiated contact to get the loan roll over process initiated. Home owner did much of the work that is the banks responsibility. Documents signed from builder, preparation of paperwork, communication and confusion. 
This then created a {$4400.00} interest payment when our new mortgage payment will be {$3600.00}. Due to the banks delay, lack of preparation, lack of communication we paid nearly {$1000.00} extra in XXXX month and then turning around and having to pay {$3600.00} for the mortgage payment. This has been a hardship for our family and we should have never gotten to a payment that high had the bank done their job. On top of that at the closing the bank representative was a no show, leaving us with unanswered questions, frustration snd confusion on next steps. Current payment and future payment. After sharing with the bank we would need until XX/XX/XXXX for next payment when we would get paid again after already paying {$4400.00} there was no support or guidance in the process.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AppFolio, Inc. (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2024-01-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (SC)

I C Systems [ Their Address ] [ City, State, ZIP Code ] Subject : Unauthorized Access and Collection Account on My Consumer Report Dear I C Systems, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that I C Systems has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604.

Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies.

This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy.

In addition to federal law, I want to highlight relevant sections of South Carolina state law. Pursuant to South Carolina Code of Laws Section 37-5-108, it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer.

Furthermore, under South Carolina Code of Laws Section 37-5-104, creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports.

I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance.

I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within XXXX  days of receiving this letter, I C Systems promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA.

Additionally, I expect I C Systems to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, in accordance with Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA.

Failure to comply with these requests within the stipulated XXXX-day timeframe will be considered willful noncompliance and may result in civil accountability for I C Systems, as provided under Section 616 of the FCRA.

Done in good faith.
Consumer complaint received 2024-01-20
Product: Mortgage — Conventional home mortgage
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: WELLS FARGO & COMPANY (IN)

Please direct Wells Fargo to give me my portion of the XXXX  CFPB {$3.00} XXXX XXXX & the name of the law firm handling the money to send to victims of Wells Fargo Wells Fargo never offered me a Modification I submitted XXXX + modification applications. 
& kept me and my mortgage in default for XXXX  years. 
Wells Fargo has placed my mortgage payments in suspense and corporate accounts where it disappeared.
Consumer complaint received 2016-10-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

Nationstar mortgage refused to give me a loan modification because they want to take my house. I have been told to contact XXXX XXXX at XXXX and no ever answers or returns my call. A while back XXXX put some envelope with paper work underneath a mat on a door of my house that is never used so I did not get the papers. Now NationStar is ready top foreclose and has removed the ability to send email messages on their site and they do not provide any email for the loan rep I am suppose to contact.
Consumer complaint received 2024-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery will not provide the original contract. They send fictitious bills with random amounts. I have several screenshots of error messages on their website when I am trying to see this account. I have sent several emails without a response. I would have no problem paying them if I owed like I did on XXXX previous accounts but this one I do not owe. Also, I have screenshots showing no debt owed from PRA website during the time that they are stating I owe. How are they substantiating the debt if currently I can not access said account of an error and previously it said I didnt owe. CFPB please help!
Consumer complaint received 2024-01-20
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: LEXISNEXIS (IL)

I have been contacting XXXX for over a year now trying to get the bankruptcy removed they keep telling me to contact the us bankruptcy court upon contacting the us bankruptcy court they advise they do not report to the credit agencies then I advise the credit agency of this they say its XXXX nexis who reported the information spoke with XXXX XXXX who advised they have suppressed my information an its no longer available reach back to XXXX who keep saying XXXX XXXX certified this information. I am requesting information be deleted.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ERC (DE)

Hello My name is XXXX XXXX XXXX XXXX .I having a lot of issues with my credit report because I do have a XXXX brother who does not have a social security number and all his account are been mixed with my credit report. I already called the companies involved and the 3 credit bureaus to explain this and provide proper identification of both of us to them but the problem continues and new accounts for my brother keep showing on my report. I has been over 3 years with this issue. I need help, please. 

IDs, social security for my self have been send to all the buraus as well for my brother his IRS letter ( ITIN # ) and his driver license was enclosed for there review and we still having issues, this situation have become a big stressful issue since this has prevent me to obtain a mortgage because of this items not my showing on my report over and over again after disputes has been summited multiple times. 

This also affected me with my car insurance & IRS as well Also I have contacted XXXX company and all documentation re-send it to all parties involve and still not resolve as yet need this to be over.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (TX)

I have an account with Marcus and transferred money into that account on XX/XX/XXXX via a bank to bank transfer. I attempted to transfer a portion back to my XXXX checking account on the XXXX and was told there was a hold on those funds until the XXXX. I asked for written documentation and was not provided any.