davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

THEY KEEP CALLING ME AND WANTING ME TO RE FINANCE AND I DONT WANT TO. THEY DIDNT PAY MY INSURANCE AND WROTE ME A LETTER SAYING THAT I SAID I WANTED TO PAY IT ON MY OWN AND I DIDNT NOW I HAVE NO INSURANCE I DIDNT ASK THEM TO BUY MY LOAN PLEASE HELP.
Consumer complaint received 2023-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (WA)

I have not received any forms of communication regarding this debt. ( In fact I do not even recognize the original creditor - the original debtor is a rental company in XXXX, CA and I have not lived in that city my entire life- I have proof of residency ). This was posted to all my credit reports with my knowledge
Consumer complaint received 2021-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (GA)

Received a credit monitoring alert stating that a new collection was added to my credit reports. Disputed the collection and it was verified by the collection company as accurate. In addition the balance goes up {$10.00} to {$13.00} every other week per the credit monitoring service. Prior to this debt being placed on my credit report I did not receive any notice about the debt. After disputing this debt with the collection agency I still have not received sufficient documentation evidencing this debt as mine. I have not received the contract along with any information identifying this debt as mine.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2021 My husband and I visited the XXXX XXXX Chase Branch ( XXXX XXXX XXXX XXXX XXXX, AZ ) and after waiting 50 minutes in the lobby, we were greeted by XXXX XXXX XXXX, a relationship banker. We told XXXX we needed to open a safety deposit box. We let him know, we had valuables in hand that needed to go in there, as we were only in Arizona for the weekend to close on our new home. We let XXXX know we were moving from XXXX to the XXXX XXXX area, and were selling our XXXX home. As soon as XXXX learned that significant funds ( roughly XXXX XXXX ) would be coming to Chase, he suggested we upgrade our accounts, open a savings account. We politely declined, as we were only visiting the branch with one motive - to open a safebox to store our valuables inside. XXXX kept pushing and insisting that we upgrade our accounts based on the balances that we would be keeping with the bank. We started to get upset, as it was nearing the branch closing times, and we still did not have a safebox open. XXXX treated us with disrespect, and almost as if punished us, for not wanting to have our accounts upgraded by telling us we no longer had time to open a safe box. If he had stopped pressing the sales pitch, he would of been able to perform the safety deposit box opening in time. He was abusive and deceptive, and was only out for himself. I understand that opening a box leaves him with no commission, but an account upgrade and new money, would leave him with several hundred dollar commission. We had to leave the bank without getting a box opened, which was a waste of our time. XXXX was disrespectful, unprofessional, deceptive, abusive, and irresponsible. XXXX 's behavior is a risk to Chase as it exemplifies poor judgement and may affect the Bank 's overall reputation risk.
Consumer complaint received 2021-03-12
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: Santander Consumer USA Holdings Inc. (NY)

THE ACCOUNT LISTED IS AN ERROR AND MAYBE FRAUD. THIS ACCOUNTS IS HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNT IS NOT MINE, IT BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Credit Karma (NV)

From XXXX to XX/XX/year> there was a series of charges that occurred when paying my XXXX XXXX, receiving payments from my job, along with other transactions that are dated wrong or are for a wrong amount. I truly believe that their is someone ( s ) that have altered my account statements, transactions, and payments to make it seem like I was the one spending the money. The account statements do not add up to the dates and amounts charged. Also, my account has been closed or suspended without my consent.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MO)

I am a senior that has been bamboozled by Amazon and Amazon Chase Visa. I obtained a Chase Visa card in XXXX ending in XXXX. I cancelled it in XXXX and ripped up the card. I had not used Amazon for a while. I used in XXXX and accepted the " bait and switch '' offer for Amazon Prime. I would get 1 month of it for free. Amazon kept changing my default credit card without my authorization for purchases and claimed I opened XXXX accounts. Amazon Chase Visa did not give me a free month of video- they charged my XXXX XXXX  {$8.00} on XXXX after not allowing me to sign up for the annual membership when my free month ran out. Amazon Chase Visa set up recurring payments so they could help themselves to my money after totally confusing me. 
I purchased products on Amazon and put them on my XXXX XXXX XXXX. Amazon Chase Visa switched the payment to the Chase Visa Card without my permission. When I discovered what they were doing, I again cancelled the Chase Visa Card and told them to not issue any more cards. They issued another card without telling me. That ended in XXXX. After making more purchases on Amazon, the charges went on another Amazon Chase Visa new card ending in XXXX. The representatives at Amazon and Chase Visa asked me for my social security number and it ended on the Dark Web on XXXX where I had to freeze my account and issue fraud alerts to all three credit reporting agencies. 
I was charged 3 times. {$8.00} on XXXX XXXX with recurring charges. Amazon then charged the Chase Visa account {$15.00} on their card for 1 month. I had ordered an annual service but they lied about that. I was charged {$140.00} after being told an annual membership was {$130.00}. They charged my XXXX XXXX XXXX. Then I purchased more products and unbeknownst to me, they used another Chase Visa Card they set up as my default Credit Card on Amazon ending in XXXX but lied about it. I called Chase Visa and Amazon and the people who lied to me were : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX. If they refused to cancel the cards, they hung up on me. They shut down my online account where I could not see the charges. I received a bill in the mail for {$63.00}. They put more charges on another Chase Visa card for {$47.00} withtout my authorization as I had set up the default credit card to my XXXX XXXX XXXX. 

I want them to give me a credit for all charges for the bad business practices. 

Investigate and hold them accountable for unscrupulous business practices.
Consumer complaint received 2021-03-12
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: JPMORGAN CHASE & CO. (CA)

I wrote to JP Morgan Chase Bank- JPMCB to appeal their decision to deny/decline my application for a XXXX XXXX XXXX account. In a letter I recieved from JPMCB dated XX/XX/2021, they stated that their decision was based on information found in my XXXX  credit report. JPMCB 's letter stated the following reason ( s ) for not approving my application : Delinquency or other derogatory relationship with your bank Insufficient balance in deposit and investment accounts with your bank Too many requests for new credit in the past 2 years One or more accounts are over the credit limit First, my middle FICO credit score is over XXXX and my gross annual income is over {$270000.00}. JPMCB 's own letter stated that my credit score was XXXX. Furthermore, JPMCB 's letter states, " scores calculated can range from a low of 250 to a high of 900-higher scores are better. '' I do NOT have any accounts whatsoever in my credit reports, including XXXX, that are over the credit limit. In fact, all credit cards under my name are at a XXXX balance with a combined available credit limit exceeding {$89000.00}. Secondly, JPMCB 's credit card application does not explicitly state that an applicant must have a balance with Chase Bank or that the XXXX XXXX credit card requires a deposit with JPMCB Bank. One entry in my XXXX Credit Report listing JPMCB- Auto Finance was an error reported by XXXX XXXX I have never had an auto loan with JPMCB- Auto Finance. Upon receiving JPMCB 's letter dated XX/XX/2021, I contacted XXXX to dispute this entry, and it has since been removed, see attached. I believe JPMCB may be engaging in discriminatory practices in granting or deny credit to certain consumers. I respectfully request that you inquire wit JPMCB on my behalf and other applicants with similar profiles. 

Thank you very much for your consideration and attention to this request. 

Sincerely, Consumer
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AmeriCash Holding LLC (IL)

XXXX XXXX XXXX XXXX  ceases any further unauthorized access to my credit report. XXXX XXXX XXXX XXXX compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Consumer complaint received 2021-03-12
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: PNC Bank N.A. (VA)

I sold my car and the loan on it I had with PNC was closed on XX/XX/XXXX. On XX/XX/XXXX an additional payment of {$640.00} was sent from my bank ( XXXX XXXX XXXX ) to PNC and cleared my checking account. After 5 phone calls to PNC, I was told to fax proof of payment to PNC and I would be refunded the money since the loan was closed. It has been a week since the funds left my account and PNC has not returned my money. I have called them another 2 times today. I was on hold one time for over 20 minutes and then was transferred to XXXX without any notification. I then provided my social security information to that company without knowing I was even transferred. I am now on hold for another 20 minutes and still no progress or help from PNC. I would not trust them with any of my accounts or loans.
Consumer complaint received 2021-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BONDED ADJUSTMENT COMPANY (WA)

Approximately 3 years ago, I contacted the power company in my state to have power turned on in the apartment I was moving in to. To my surprise, I was notified at that time, I ha an outstanding balance under {$100.00} from a previous address. I remembered the debt, but had forgotten to pay it. When I asked if I could pay it, I was told I need contact the collection company to whom owned it. The agent gave me the number to bonded adjustment. 

I called the above named company. I told the woman who answered I needed to pay an outstanding balance for a power bill I had forgotten to pay from a previous address. I couldn't get power until the bill was paid. The woman rudely asked my name and placed me on hold. After a 10-15 minute pause, this woman returned to the call to say she found the account. She rudely said I need pay the balance of the power bill and another amount of funds, in my name. 

When asked what other bill was outstanding, she refused to tell me who, where the bill when the bill was originated. I then told the female I had money for the power bill and my car payment. I needed to get power turned on. She proceeded to tell me I better find another way to make my car payment and refused to take only the power bill I acknowledged. In my opinion, she extorted funds for a debt I knew nothing about. She then said it was a medical debt. I asked for a receipt for the payments.She said they would be in the mail. I NEVER received them. 

I recently received another statement from this company dated back in 2015. It is my opinion, this company is using deceptive and predatory practices to collect. Especially during a world wide plague taking advantage of consumers and parking debt! As mentioned before, I did not receive the receipts of the payments I previously made, no validations of any kind..
Consumer complaint received 2017-01-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Trans Union has not been able to provide me with an online view of my credit reports despite many calls and speaking to several supervisors about the issues. They continue to state they are working on the problem but there is never a resolution. This issue has been ongoing for over a year. They insist that I call in every time I need to file a dispute or apply a security freeze on my credit reports.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANCO POPULAR DE PUERTO RICO (NY)

Received the XXXX statement the first week of XXXX, saw that the annual fee hit. called the company to close the account and remove the annual fee. they closed the account and said the annual fee was removed. 
in the first week of XXXX received the XXXX statement with a late fee and the annual fee. called the company and they refuse to remove the annual fee and the late fee and they are threating to go to collections.
Consumer complaint received 2021-03-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (GA)

We have constantly tried to get help from the lender. We stated that we had a hardship and loss our jobs due to Covid-19. We live in Georgia and care for an elderly parent. This is our only transportation. 

We called the lender today and they had advised us that the loan was charged off and the lender would not accept our payment. The last invoice that we received was XX/XX/2021 saying that we owe {$2200.00}. We called to make the payment on XX/XX/2021 and they stated that they would not accept the payment and the vehicle was charged off and will be repossessed. 

This is the first time that we heard about this. We did not receive anything in the mail. We have not received any help. They stated that they would help us but never did. They would advise that we make a payment then we could get help. We did make a payment with the promise to get help on XX/XX/2021.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I had several fraudulent charges made to my Wells Fargo debit card, all withdrawals from non-withdrawal ATMs. My fraud claim was denied on the grounds that as I had my card with me, it was a chip card, and my PIN was apparently used, that it was " impossible '' for it to have been skimmed and that all charges " must '' have been made by me or someone I gave the info to. This is entirely untrue and I am 100 % certain I did not make those charges. Most were made in my local area but one was charged in an area I had not visited in a long time. All were from ATMs at establishments that I had never withdrawn money from. After complaining unsuccessfully over the phone and filing a formal complaint with a representative in my local branch, I was again denied with the same justification. My Wells Fargo complaint number was # XXXX.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX**** Please remove the late mark on this account and update the status to current and paid as agreed. 




Please correct this with all haste. Thank you for your attention. I apologize for being so angry. This oversight on your part are causing me a lot of trouble financially.
Consumer complaint received 2023-05-12
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. (CA)

XXXX XXXX XXXX is falsely reporting a credit card in my name on my credit report with an open date of XX/XX/XXXX with a charged off amount of $ XXXX reporting XX/XX/XXXX. I disputed the account first with XXXX XXXX, my long time Bank back in XXXX of XXXX and also disputed the false reporting with Experian, XXXX and XXXX in XX/XX/XXXX. After an initial denial of my dispute, my research led me to discover my rights being violated in accordance with the Fair Credit Reporting Act 15 U.S.C. Sec. 1681i ( a ) If there is no proof delete item. This false reporting has also violated my rights in accordance with 15 U.S.C. 1681 section 602 I have a right to privacy and section 604 A consumer Agency can not furnish an account without my written instructions. No proper investigation occurred which is a violation of my rights in these acts. I have been trying to get this off my credit reports for 6 months now and this false reporting has made it impossible for me to obtain loans or financing to care properly for my family and myself. I have sent three letters to XXXX XXXX, called on the phone and have disputed the account to the credit reporting agencies, with 3 letters and online disputes through each agency as well. It has been a frustrating experience to say the least.
Consumer complaint received 2021-03-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MD)

In XX/XX/2021 I paid my auto loan early in full with Wells Fargo bank and received my lien release. At the end of XX/XX/2021 Wells Fargo reported my closed account as over 30 days late. I disputed this 30 days late report with XXXX, my account was marked as closed as of XX/XX/2021 and the XXXX  30 days late mark was left in place. This inaccurate report has damaged my credit lowering my score from the XXXX 's to low XXXX 's.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX, XXXX XXXX XXXX Balance : {$1700.00}, XXXX XXXX Balance : {$980.00}, XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX