davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Credit card or prepaid 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)

In XX/XX/XXXX XXXX - XXXX XXXX Chase credit card offered a balance transfer promotion that was VERY deceptive. If consumers took advantage of using the promotional checks they would receive 0 % until XX/XX/XXXX. Unfortunately, the very fine print indicated if you had an existing balance on the credit card when you wrote the check or took advantage of the promotional offer you would then forfeit your purchase grace period of existing charges and be charged a daily interest rate on all purchases. Prior to accepting the promotional offer we always paid off balances each month and never incurred interest charges. On the XXXX statement we realized the scam charges and we called Chase to complain and they said these are the new terms because we took advantage of the offer. Since XXXX we have been working to pay each month the amount we owe in order to not be charged additional daily interest from XXXX purchases. We have to call customer service each month and speak with a representative to obtain the amount to pay in order to not be charged extra FEES. We no longer use this credit card for purchases but still have an outstanding balance transfer we are paying off at 0 %. They are still charging us interest from prior purchases and their billing statements are not clear on how much to pay to not be charged extra each month. The latest billing statement indicated we currently owe {$0.00} for the promotional offer, but in reality we currently have a balance. I called on XX/XX/XXXX to complain and spoke with customer service and she said she's not sure why the statement isn't clear and it should show what our balance is for the 0 % offer. She said sorry. This in NOT acceptable practice to deceive consumers. I hope you look into this deceptive promotional offer and review their monthly billing statements. I'm sure we are not the only customers that have been taken advantage of and incurred numerous EXTRA charges. We have excellent credit and have been a long time customer of XXXX XXXX Chase, but NO LONGER!
Consumer complaint received 2023-03-31
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: BARCLAYS BANK DELAWARE (CA)

In XXXX of XXXX, my account had been paid in full. 

In XXXX and XXXXXXXX XXXX XXXXXXXX, there had been fraudulent charges on my account. I didn't notice these until XXXXXXXX XXXX XXXXXXXX when I received a statement, claiming I had a balance past due. 

From XX/XX/XXXX to XXXX of XXXX, I had once or twice a week to report and resolve the charges. I had closed my account, and reported all charges, which were incorrectly flagged on their end. I continued to received notices of late payments and interest being charged to the account. 

There is currently a {$330.00} balance on my account consisting of late fees and interest from the fraudulent charges, that is still showing as 'Unresolved. ' I was instructed by Barclays to not make a payment, as they would resolve the fraudulent activity and all fees associated with it. 

I've asked for communication in writing, and Barclays refuses and says that is not possible. 

My account is closed, yet I have collections still reaching out to pay the balance, and it still shows up on my credit report, claiming that I am delinquent on this account. 

I've never missed a payment or been late on anything tied to my name, so it is beyond frustrating that I am still in a position of needing to fight for this to be resolved. It impacts my power as a renter when looking for a new home, or power to be able to open additional accounts in my name, yet I'm constantly reassured by Barclays that this is being worked out, however, is still unresolved all this time after initially reported.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a checking account online on XX/XX/2023. During the application process, I provided my XXXXXXXX XXXX XXXX  savings account information ( routing number and account number ) and requested {$25.00} to be transferred from that account to the new BofA account as the initial opening deposit. {$25.00} was deducted from my XXXX savings account on XX/XX/XXXX. It is XX/XX/XXXX today and {$25.00} still doesn't show up on BofA Checking account. I chatted with BofA agent online, who said she doesn't see any {$25.00} transfer from XXXX XXXX and told me to call XXXX ( despite the fact that BofA is the one who pulled {$25.00} from my XXXX account ).
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$740.00}.
Consumer complaint received 2016-07-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (AL)

I found a collection from enhanced recovery reporting {$270.00} for XXXX. This bill is nearly 7 years old and they are barred from trying to collect on it. I do n't appreciate enhanced reporting this to my credit file. They are pushing me around because i am a single female and they want to make my life hard so I ca n't get nothing on credit.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I SENT 2 LETTERS TO EQUIFAX ON THE XXXX AND XXXX OF XXXX, WITH NO RESPONSE CONCERNING THE INACCURATE ACCOUNT OF XXXX  , XXXX.THIS HAS BEEN A STRESSFUL PROCESS WITH NO HELP IN THE MATTER.XXXX ARE REPORTING DUPLICATE ACCOUNTS WITH EQUIFAX AND THEY WONT REMOVE THE ERRORS.I HAVE ATTACHED THE COPIES OF THE LETTERS BELOW
Consumer complaint received 2024-06-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I made a deposit to Coinbase on XX/XX/24 in the amount of {$2000.00}. They subsequently placed a restriction on my account so I am unable to send crypto, I have spent hours on their chat trying to resolve the issue but can not get an answer as to why the issue hasn't been resolved. They have had it " under review '' for more that a week but have still not resolved the issue. They will allow me to return my deposit to my checking account but will charge me a fee ( XXXX ) of {$36.00}. Coinbase is the only option in XXXX for crypto so coinbase has a monopoly which they seem to abuse. I have no choice but to use coinbase for crypto.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

I blocked my chase sapphire credit card on XXXX and had requested a new one. had even locked the card through the chase app. But to my surprise i could still see Transactions happening on my old account on XXXX. 
After talking with the customer care, i was informed that chase has a " feature '' wherein wherever my card is stored digitally, ( like XXXX XXXX XXXX XXXX  ) the card details would automatically update and online transactions will keep on happening even after blocking and locking my previous credit card. 
I'm not looking to dispute the charges since they're quite small but i really dont understand the rational that even after reporting the account as lost, digital transactions would keep on happening. if that is the case, they should've informed me while sending a replacement credit card email. 
this is what is mentioned in the replacement verbiage " you can still make purchases in stores, merchant apps and online if youve added this card to your digital wallet in the Chase Mobile app '', which means i can still use it as part of the digital wallet. i dont even have this card loaded onto apple-pay or any digital wallet for that matter.
Consumer complaint received 2023-11-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC (VI)

Flagstar called me multiple times between XX/XX/XXXX and XX/XX/XXXX to offer forbearance during pandemic. I accepted forbearance from XX/XX/XXXX. 
In XX/XX/XXXX I informed Flagstar that forbearance is no longer necessary and would like my mortgage reinstated. I resumed making mortgage payments in XX/XX/XXXX. On XX/XX/XXXX I submitted a loss mitigation application and subsequently submitted supporting documents as requested by Flagstar. Despite my repeated monthly requests Flagstar kept my loan in forbearance whilst I was making regular payments. I eventually informed Flagstar that I would not make anymore payments until I received the new terms of my loan and my loan was no longer listed in forbearance. I received the new loan packet on Saturday XX/XX/XXXX and noted that the due date was XX/XX/XXXX. I informed flagstar that there was no way I could have the documents reviewed, notarized and submitted to meet the XXXX deadline. XX/XX/XXXX and XXXX are holidays here. I requested a new packet that allowed adequate time for review and submission. Flagstar did not honor my request. Instead I started receiving numerous calls from Flagstar encouraging me to apply for other federal relief programs. I repeatedly declined such offers and told the representatives that I just needed my mortgage reinstated as I no longer needed the relief.

Flagstar has refused to reinstate my mortgage and has instead opted to initiate foreclosure. I have found Flagstar 's actions to be predatory : Keeping my mortgage in forbearance even after I requested that forbearance be stopped, was making payments, and completed loss mitigation application ; the incessant calls trying to get me to apply for other federal relief even after I informed flagstar that relief was no longer needed and submitted documentation demonstrating such ; demanding lump sum payment for reinstatement. I feel that Flagstar purposely kept my loan in forbearance for the maximum time allowed by law and failed to then reinstate my mortgage in time per pandemic guidelines. Flagstar is still refusing to reinstate my mortgage that I qualified for and submitted the necessary documentation for since XX/XX/XXXX.
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

We have repetitively requested an RMA but have only been met with increased payments rather than lower, information not sent, incorrect wage information, lack of reviewing our current salaries, inflated inaccurate appraisal, constant turnover of employees, we have yet to speak with any person more than once. It has been an exhausting, draining gargantuan effort on our part to the point of just plain mentally abusive behavior on the part of SPS. 
We are including a 54 page dialog and example of our strident attempts at a resolution. This packet ONLY encompasses the months of XXXX - present. 
After review, we are confident you will find all the information needed to outline actions, dates and amounts. 
The packet runs chronologically from most current to earliest dialog in XXXX.
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX is consistently dropping my score and incorrectly reporting the wrong credit score. 

Whether it's a coding error or what have you, it is causing me to be denied on applications to move into a new residence. I don't have any past due or any bills with debt. My bills are paid and my score is consistently dropping instead of increasing. I've disputed many times and after disputing my score gets dropped by XXXX points for no reason. Just this week I was sent several messages saying great job, keep up the great work, yet at the same time my score was decreased by XXXX points for no reason. 

Transunion is also inconsistent with XXXX and XXXX. 
All 3 credit bureaus are inconsistent with each other, how can this be? 
Please help!
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$4500.00} XX/XX/2019 XXXX XXXX XXXX - XX/XX/2019 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I sent an initial letter on XXXX XXXX asking to remove the alleged missed payment and it was not removed. They replied saying they verified it but did not specify how. 
I sent a follow up letter XX/XX/XXXX requesting the method used to verify the alleged payments and requested the following : -Date the late payment was validated -The method used to validate the billing error -The name of the person who was granted permission to validate the errors -Any and all documentation used to determine the error They responded by telling me once again it was validated but did not provide me any proof of how or any answers to the above questions. The only thing updated on my credit report after this second letter was that the account had been updated to closed. 

According to 15 U.S.C. 1681b A consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instruction of the consumer to whom it relates. 
I declare that I never gave Experian written instruction or consent to furnish any of the inaccurate late payments reporting on my credit report. 

Furnishing something on my credit report that is not validated and furnishing it as accurate without proper verification is, in fact, fraud.
Consumer complaint received 2022-10-28
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX ; XXXX XXXX; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX XXXXXXXX Balance : {$7500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX Reason : [ NEED LATE PAYMENT REMOVED. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, [ XXXX ]
Consumer complaint received 2024-06-13
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc. (OK)

I am disputing the entry related to XXXX XXXX Apartments, which incorrectly states that I owe an amount I do not. In 2017, I provided a XXXX notice of my move-out, fulfilling all obligations. Despite this, XXXX XXXX XXXX falsely reported a debt, and subsequently, they illegally sold my information to Mars Incorporation. This erroneous entry has severely impacted my life for years, making it impossible to pass background checks for new housing. I request the immediate removal of this inaccurate information from my credit report. I have tried for years to get this removed, still it stays on all XXXX credit reports.
Consumer complaint received 2021-03-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC (NJ)

On XX/XX/XXXX Harvard Collections Services reported the following to the credit reporting agencies : " Seriously past due date/ assigned to attorney, collections agency, or credit grantor & apos ; s internal collection department ''. Harvard Collections agency reported a balance of {$560.00} which was updated on XX/XX/XXXX for the original creditor : XXXX XXXX XXXX. Harvard Collections Services has not notified me via mail or phone call for the debt in question. Harvard Collections Services has not provided verification of this debt and has not responded to any phone call correspondence. 

On XX/XX/XXXX XXXX XXXX XXXX reported the following to the credit reporting agencies : " Seriously past due date/ assigned to attorney, collections agency, or credit grantor & apos ; s internal collection department ''. XXXX XXXX XXXX reported a balance of {$560.00} which was updated on XX/XX/XXXX for the original creditor : XXXX XXXX XXXX OF NY. I received a letter from XXXX XXXX XXXX on XX/XX/XXXX in regards to the debt in question. I sent a request for verification to XXXX XXXX XXXX on XX/XX/XXXX by certified mail, the following agency has not provided debt verification within the legally obligated 30 days. 

Two agencies are trying to collect on the same debt that has not been verified when verification was requested. Both collections agencies are reporting these accounts as negative collection to all credit reporting agencies. This is illegal.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy under 15 USC 1681. 

Bankruptcy XXXX XXXX Acct # XXXX. Has violated my rights. 
XXXX XXXX XXXX Acct # 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 an account without my written instructions. 

XXXX5 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

At no point and time have i ever given my Written Instructions to furnish these accounts. Either provide documentation showing my written instructions to furnish these accounts or you must delete them from my credit report As shown in the consumer laws shown above.
Consumer complaint received 2023-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

We have newrez or shell point, we tried to get money out of escrow, they do it pay homeowners on time, and just screw up on everything. They say they can pay homeowners insurance 30 days late while I get letters from home owners insurance that they will drop. We put 50 % down and have never been late. They said we dont meet requirements which we do. Calling lawyer and states attorney for XXXX over old people. Thank you XXXX XXXX