davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2019 : I opened a checking account with automatic deposit and a savings account with {$20000.00} with Chase Bank in XXXX XXXX. 
I was promised {$600.00} if I did this and left it open for 3 months. After 3 months I was told I had to keep it open for 6 months. 
What happened is I sat for over 2 hours giving the branch officer all my personal information. I tied up my money. After many months of phone calls, messages and visits to the branch I was told by XXXX, XXXX Executive Office XXXX ext. XXXX that they would not honor the promo and also would not remove any fees incurred during this lengthy acquisition. 
Obviously I am frustrated and aggravated that I tied up my money and put so much trust into this bank and the employees of this bank. 
I have plenty of documentation and saved voicemails. Please advise. 
XXXX XXXX XXXX
Consumer complaint received 2020-01-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (CA)

I RECEIVE AN ALERT IN XX/XX/XXXX FROM THE CREDIT BUREAU 'S THAT THERE WAS SOME NEW ACTIVITY TO MY ACCOUNTS.I NOTICE THAT A NEW COLLECTION ACCOUNT FROM MIDWEST RECOVERY SYSTEMS, LLC FOR {$310.00} FOR XXXX XXXX XXXX WAS OPEN ON XX/XX/XXXX THE COMPANY REPORTED IT ON XX/XX/XXXX. I PLACED A CALL TO THE COMPANY ON XX/XX/XXXX AND WAS TRYING TO GET SOME INFORMATION ABOUT THIS ACCOUNT. INSTEAD THEY STARTED TO ASK ME QUESTIONS, SOCIAL NUMBER, ETC. I TOLD THEM I WAS NOT GIVING THEM ANY INFORMATION. IF THEY WAS ATTEMPTING TO COLLECT THIS DEBT THEY SHOULD HAVE ALL THE INFORMATION.I GOT NO INFORMATION. I DISPUTED THIS WITH THE 3 MAJOR CREDIT BUREAU 'S AND SENT MIDWEST RECOVERY SYSTEM I CERTIFIED LETTER REQUESTING THEM TO REMOVE THIS FROM MY CREDIT BECAUSE THEY FAIL TO FOLLOW THE GUIDELINES WHEN COLLECTING ON A DEBT. I NEVER HAVE HAD ANY COMMUNICATION FROM THEM PRIOR TO ME CONTACTING THEM.I WAS NOT AFFORDED THE OPPORTUNITY TO ASK FOR THE VALIDITY OF THE DEBT OR COLLECTION PRACTICE PRIOR TO PLACING THIS ON MY CREDIT. BY DOING THIS THEY HAVE CAUSE MY FINANCES AND CREDIT SCORES GREAT HARM. THEY SHOULD BE HELD ACCOUNTABLE FOR THIS.HAD I BEEN CONTACTED FROM THE BEGINNING ABOUT THIS DEBT I WOULD HAVE BEEN AFFORDED THE OPPORTUNITY TO DO MY DUE DILIGENT AND RESOLVE THIS MATTER WITHOUT IT GOING ON MY CREDIT REPORT. THEY GAVE NO ACCOUNT NUMBER FOR THIS COLLECTION.
Consumer complaint received 2020-01-14
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 — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

I filed a Chap. XXXX Bankruptcy in XXXX and it was discharged in XXXX of XXXX. I then modified a delinquent mortgage with Select Portfolio Services of XXXX XXXX XXXX, Utah. I completed the 3 years of on timely payments and was given a permanent mortgage that I reaffirmed the debt on for this mortgage. The reaffirmation was required by Select Portfolio Servicing in order to obtain the permanent mortgage financing. I have been asking Select Portfolio Servicing to start reporting my mortgage payment to the credit bureaus. 

Select Portfolio Servicing refuses to honor the Fair Credit Reporting Act and will not report the total of over 4 years of flawless payments to the credit bureaus. This is hurting my credit score and I am trying to get a home loan at this time. The loan number for mortgage is XXXX Phone XXXX. Before filing this complaint I called SPS one last time and I got the same run-a-round as they still ask me to reconfirm the debt which I have done over a year ago. I was put on hold then they hung up without getting back to me. 

I also have an account with XXXX and their credit card company XXXX XXXX  that was kept current. In XXXX I had a bill of {$87.00} and made the {$10.00} payment that they asked. They then reported me as a 30 day late in XXXX XXXX. I called both XXXX and XXXX XXXX. The bank laughed at me as said it was my mistake. When I call XXXX they said I was a good customer and they say the error was theirs and they would send me a letter verifying that they would remove the 30 day late they reported. I called back after a week and was given the run around with no results and no longer do they agree to send the letter or correct my credit report. 

I find both credit problems to be a violation of the Consumer Protection Act and the Fair Credit Reporting Act. Please help me before my construction loan is stopped and I lose thousands of dollars in money already spent on the property I am trying to build on. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX XXXX
Consumer complaint received 2023-01-18
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$180.00}, XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account 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 This account is showing inaccurately on my credit report
Consumer complaint received 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (IL)

Ally financial is reporting wrong closing date on the report. 
It has been closed since XX/XX/XXXX, they have reported to XXXX and XXXX as closing date XX/XX/XXXX. 
It has caused my credit score to lose 70 points. I tried reaching out to the Financial instatution and they do not want to provide me with any information. 
I also contacted both credit bureaus. XXXX has corrected my score, XXXX has not. Below is the information gathered from my XXXX report. 

Your ALLY FINANCIAL payment history has changed Your account payment history was updated. Here 's what changed : XX/XX/XXXX - Unknown XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XXXX XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XXXX XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XXXX XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XXXX XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown Here is what your payment history showed before : XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XXXX XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XXXX XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XXXX XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XXXX XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off Nice! It looks like your payment history was updated or corrected. The more on-time payments you have, the better.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MA)

Chime closed my account on XX/XX/ 2023 And I was told I would have to wait for 30 days no reason why my account was closed just closed I should have been issued a check at least in 10 days not 30 and was told some wait longer then 30 days for there money
Consumer complaint received 2018-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/XXXX I filed a complaint because of XXXX XXXX was charging me interest. I received notification from XXXX XXXX of a courtesy credit refunding the interest that I had been erroneously charged. Since then I have made on time payments, totaling over {$790.00} in credits to my account. In XX/XX/XXXX My Credit Limit was decreased from {$3500.00} to {$2000.00}. On XX/XX/XXXX my payment of {$400.00} was posted to my account, bringing my balance {$990.00}, with a credit limit of {$2000.00}. I had finally received less than 50 % of Credit Limit. I am making payments to decrease the balance, and when I finally get ahead they keep decreasing my Credit Limit to keep my balance high. I have Interest Deferred Promotions, but the multiple Credit Limit Decreases are ruining my credit rating. On the XXXX XXXX statement dated XX/XX/XXXX, my limit has been decreased to {$1500.00} by XXXX XXXX again, twice during the period from XX/XX/XXXX-XX/XX/XXXX. 
The credit limit decrease now reports me has charging 66 % of the Credit Limit. Despite my account activity, and aggressively paying more than the minimum amount due. I feel as if this is reprisal due to the complaint I filed previously against XXXX XXXX-XXXX. This change on my Credit Limit has adversely effected my credit. Im paying on this account but the Credit Limit decreasing inaccurately capture that I have a high balance. I have had multiple Credit Reporting Disputes that have been corrected and updated. XXXX XXXX has lowered my Credit Limit based on fraudulent and inaccurate information, but I am the one who is being effected the most.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2022, I was at a Kohls store in XXXX, AZ and shopping for XXXX. I went to the checkout lane and attempted to use my Kohls store card, but it wasn't working. I asked the cashier if they could look up my account number ( which they have been able to do before for me ) to get the coupon discount and she said she couldn't. She said if I hadn't used the card in a while it was likely closed. I asked if she could check. 

She said that she could run an application for me and it would check for open cards. I said I did not want another card and she assured me it would not open one without checking for an open card. I insisted that I didn't want a credit check or a new card- she again insisted that her " process '' would check to see the status of my current card. 

She had me answer questions on her kiosk in the lane. When the questions came up about my income and drivers license, I again stated that I did NOT want a new card. She was very confident that this process would not open a new card and that there " would be a screen come up first to find my data '' for my old card number. 

When the process was complete, a screen came up on her display that said I was " approved '' for a new card with a new limit. I told her that she opened a new card in my name without my permission and now I had 2 cards. Later that day, I confirmed that my first card was actually open. 

I then called to speak with a supervisor and informed them of all the details, and asked them to review their training with cashiers as I was extremely upset about a cashier lying in order to get kudos for securing a new credit application. I will also be calling to close my card now that I've received it in the mail and letting them know I've filed a formal complaint. 

I would like their practices for securing new applications reviewed. Later I learned that the exact same thing happened to my husband last holiday season and he had to call and cancel that card also. My daughter 's friend worked there during the holidays and stated that there is " significant pressure '' to open a certain amount of credit card applications. These actions are deceptive and misleading.
Consumer complaint received 2018-03-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I have been trying to remove the PMI payment off of our mortgage and called to confirm the amount over & above the mortgage payment that would bring our loan to value to below the required 78 % on XX/XX/XXXX I was told it was {$12000.00} and we qualified as we have had the mortgage over 5 years and never missed a payment! I transferred the monies and it was in our mortgage account on XX/XX/XXXX I have the confirmation from XXXX XXXX, I have emailed 5 times and called 5 times and now spoken to a Supervisor called XXXX  ID Number XXXX and they are telling me I now have to wait until XX/XX/XXXX! to get my refund back when they are still charging me for the PMI when I have contacted them numerous times to have it removed and refunded. Please can you help me.

They ignore my emails, they ignored my written correspondence, they have never returned any of my calls, yet they have charged me {$230.00} x 2 PMI and still continue to charge when my LTV is lower, I did not pluck that amount out of the sky to reduce my mortgage they told me the amount, they record all their calls so they need to listen to them and refund me the money they are charging me, I have wasted hours and days on this, I pay my mortgage I have never missed a payment and yet they penalize me!
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Creditor : XXXX XXXX XXXX || Account Number : XXXX - Creditor : XXXX || Account Number : XXXX - Creditor : XXXX XXXX || Account Number : XXXX - Creditor : XXXX  || Account Number : XXXX - Creditor : XXXX FIN XXXX || Account Number : XXXX
Consumer complaint received 2023-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

In 2022 I received a message from a number I did not recognize. The caller claimed to be from Fifth Third Bank and wanted to discuss my account. I looked through my banking records and determined that payments were being sent as scheduled. I was unable to locate any mortgage statements and could not access my account online using my saved password. I was unable to reset my password through the website. I became concerned that I had become a victim of fraud and I called the number I had on record for Fifth Third Bank to inquire about the call and to request assistance resetting the password. I was on hold for quite some time and never reached a live agent. I attempted to call them a second time on a different day and waited on hold for a long time and was never able to reach an agent. Within the month I received a letter from Fifth Third Bank returning my mortgage payment with an explanation that I did not understand. I called the bank 3 additional times to get further clarification on the reason the check was returned and to reset my online password. Despite multiple attempts to contact the bank to speak to an individual to get clarification I was never able to get through to anyone. 

Subsequently, I received a notification from my credit monitoring service that Fifth Third Bank had reported a late payment. I again attempted to contact the bank and was unable to speak to anyone and while on hold had my call disconnected. 

I then initiated a complaint through the better business bureau. The bank replied and apologized for the long hold times but has refused to amend the credit report. I have attached 2 communications I received from the bank that have contributed to my confusion as it appears that payments were not 30 days late. 

Long hold times have made it impossible to reach a mortgage servicing agent. The reason for the discrepancy on my mortgage payments were not clear and despite multiple attempts to speak to an agent for help I was unable to get through to anyone.
Consumer complaint received 2023-01-17
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: STERLING JEWELERS, INC. (CA)

recently pulled a copy of my credit reports and have noticed that some of the accounts on my reports do not belong to me. These fraudulent accounts are the result of my identity being stolen in the past and personal information being compromised. 
I was referred to create an official police report about the incident and situation to document the accounts and details. Any help I can receive will be extremely helpful as I will forward any evidence and information your department can find out to the appropriate credit bureaus and agencies. Please take note of the following accounts and information that does not belong to me and has been created fraudulently : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (UT)

BB & T # XXXX is reporting a late to my account that I should not have. My mortgage account was transferred over from XXXX and I was not informed of this, I did not receive any kind of letter or notification about the transfer of my account. I did try to make payments to them however they were declined and they would not accept it. I tried to pay my account on time and this late is not my fault.