davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021 I opened an account online with Chase after being told to do so after attempting to open in person. I used the 'open new account ' link shown below the {$220.00} bonus offer for new checking accounts. I have met all criteria and waited beyond the advertised time to receive bonus. Customer service has given me the run around and opened a ticket but they are bullshitting as each new rep has a new or different excuse as to why I haven't received it.
Consumer complaint received 2018-10-02
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: SYNCHRONY FINANCIAL (CO)

I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXXXXXX XXXX2018/ XXXX XXXX2018,  XXXX XXXX, 2018 and XXXX XXXX, 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (GA)

All 3 credit companies told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer. I was victim of 2 data breaches I have not received any validation from XXXX, XXXX, Experian they violated FCRA611. I requested that they don't use e-oscar for this and instead verify that they have the contract of my signature onsite for FCRA 609a1a. I challenge that because I never received substantial information such as an original signed consumer contract from none of them. During this time period I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from all 3 agencies per FCRA and FDCPA
Consumer complaint received 2022-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

Today XXXX XXXX, I received a call from XXXX ( which I found out too late that it was a scam ) at XXXX call came from XXXX. The person on the other end told me that I was passed due on my light bill and this was their last attempt to contact me before they shut off my power. They told me that they needed {$330.00} today in order to keep my lights on and that XXXX had sent out a letter that needed to be filled out because they have a new way of processing now by using Zelle. ( I'm such a fool ). I sent the {$330.00} and then they proceeded to tell me that because I was delinquent that I needed to put down a {$500.00} deposit and will be reimbursed in 90 days as long as I stay current on my bill. They gave me a confirmation number and a phone number to send it to... XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

There were credit inquires on my credit report not authorized by me. 

Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019
Consumer complaint received 2023-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (NC)

Got into a car accident in XXXX of 2020. I ended up suing the person who hit me the result left me with a chunk of money that was split between me, my lawyer and the hospital. Before we settled with the hospital I called to see if they would bring down the amount they owed so I could pay them in full which they did and I ended up paying almost {$16000.00}. I received maybe one or 2 letters from the hospital saying I still owed money and when I called to try and verify it I never heard back. Now almost 3 years later this collection is own my credit report and to my knowledge it violates my hippa laws.
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I sent a request to Experion, through XXXX XXXX, to update info on my XXXX XXXX account, which was paid in full on XX/XX/XXXX but was still reflected on my XXXX XXXX report as unpaid. 

An auto response from Experion indicated I would be contacted within 24 hours. It is now XX/XX/XXXX, XXXX PST -- three days later. To date, I have not had a response, nor has Experion 's consumer credit website been updated and continues to show an unpaid balance on my XXXX XXXX account. 

Having this inaccurate information on my account adversely effects my credit score. I am in the process of applying for a mortgage and if my information is not updated within the next 24 hours, I will seek legal remedies.
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Hello Digit, LLC (FL)

Since XXXX of XXXX I have been reaching out to XXXX XXXX regards to me not being able to access my account due to an email that was linked to a college that no longer is existent. I have sent countless emails to have my password reset as well as sent information to prove that I am the account holder i.e State ID, account information and mail. The emails remain the same, stating that they have been trying to reach me and have not heard from me in seven days and close my request every time. There is no way to contact them over the phone. The individuals who send the emails, names change periodically. This has been a major inconvenience where I thought I was using an app to save money, to only have my money held hostage. The last I used my account was XX/XX/2021, since then I have received text stating my connection to my bank has been disconnected to the app where I attempted to re-connect every time which has been very difficult. I have text messages to prove from month to month I attempted to connect my account. I sent my First email in XXXX of XXXX and the again the back and forth continues with 30 messages. I have {$7500.00} that is linked to this account where I need the funds as soon as possible. I have mentioned taking legal action and still nothing has changed. The most current email was sent to me XX/XX/2021 with the same statements as above. I would like to handle and expedite this ordeal as soon as possible. Thank you in advance for you assistance. 

Best Regards, XXXX
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

Nearing the end of Covid related forbearance I applied for a modification long before the final months of forbearance. Modification was quickly approved. I made 3 trial period payments ; each on-time. I was informed by Flagstar I could not set up auto pay until the modification was finalized. I then made a 4th payment, again, on-time. I then received documentation that the modification was finalized and logged on to set-up auto pay. I learned then, XX/XX/XXXX that Flagstar had included an escrow for property taxes and homeowners insurance on the new mortgage when there had never been one previously. I contacted Flagstar customer service on XX/XX/XXXX and was told many modifications department personnel had been hired just to process the flood of modifications and many new loans were being set up incorrectly. I was promised new loan documents, reflecting the proper payment amount without an escrow for taxes and insurance would be mailed to be by XX/XX/XXXX. I have, since XX/XX/XXXX spent more than 10 hours on the phone with various customer service personnel in both Flagstar 's escrow and modification departments. Modification keeps closing escrow resolve case numbers saying the modification department says the modification is done... 
It is now XX/XX/XXXX. I have yet another mortgage payment due no and the amount of the payment continues to be over XXXX dollars a month more than it should be. I was not informed an escrow account had been added to my existing mortgage during the modification so I already made my property tax payment in full. Now today, after 4 long calls with Flagstar, a modification department supervisor says it is a XXXX XXXXinvestor requirement that escrow accounts be on all modifications. Strange that today is the first and only time anyone at Flagstar has claimed this requirement or ever advised me of it. Now I am told Flagstar will analyze the escrow amount once a year and return any excess ... even though the amount they are holding is clearly well in excess of amounts needed for taxes and insurance.
Consumer complaint received 2022-01-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC (NJ)

I had XXXX  XXXX lost the phone some stole it and was calling out the country this situation been hurting my credit also I got a car that didnt even make the year it was a limon it was a XXXX charger I also got a XXXX XXXX XXXX that got missing in front of my house I had XXXX I was sending money and the account froze saying that the money was sent twice. these things hurting my credit account
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2019-12-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/2019 I made my last payment which brought my account balance to {$0.00}. On XX/XX/2019 I requested to have my account closed. On XX/XX/2019 I got a response on a formal letter stating that the account was pay in full and is now closed. However I went into my online account to make sure it was closed but now I see that the account was never closed and I have a balance of {$29.00}. I reach out to customer service and was informed that the letter they sent was incorrect and I have to pay this amount. I do not understand how can I closed an account and have a letter stating so they do no want to honor that.
Consumer complaint received 2019-12-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CT)

settle for XXXX to XXXX XXXX XXXX collection agency by mistake send a check for XXXX contacted them and they will not send me back the amount over paid I am on XXXX tried several times they fraud told me a lower amount to settle my account and now what give me back the money that is due to me
Consumer complaint received 2023-12-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: MIDFIRST BANK (CT)

I was forced to move to another state. House didnt sell prior to move. I fell behind on the payments, couldnt pay for two households. House went up for sale and was under contract to be sold on XX/XX/XXXX. This got pushed to XX/XX/XXXX. A payoff was ordered and it showed a per diem rate to be paid. That per diem rate was calculated and added. The payoff in the amount of XXXX was sent overnight mail to Midland Mortgage . Midland confirmed receipt of the check on Thursday XXXX. I asked them on XX/XX/XXXX if the account would be closed out and if everything was good. They told me yes, its processing. I called twice on Friday XXXX. Late in the afternoon on XXXX, my real estate attorney receives another payoff with about XXXXXXXX XXXX  in charges. These charges were, from what I gather, to deal with a full foreclosure sale. However, they just referred my property for foreclosure on XXXX w/o telling me. I told my attorney, I dont owe any XXXXXXXX XXXX  corporate advance, XXXXXXXX XXXX  anticipated restoration fees, and XXXXXXXX XXXX  in other charges. Furthermore, the lender told me that I was paid in full and everything was processing. Although, they refused to show me any information and my account was blocked online. I proceeded to call twice on XXXX, and I spoke to XXXX the Foreclosure Hotline supervisor and he tells me that everything is fine and that the check is processing. I called on XXXX to check on status and a lower level employee tells me that its processing and it will take 10 business days. He also tells me that I have to pay lawyer fees. I had enough at this point! Telling me this information today, after asking over and over. I was transferred to a supervisor and she refused to give me any payoff information. I was called by XXXX and he tells me the fees are legit. I said what inspection am I paying for! He tells me an inspection that happened in XXXX of XXXX. This is crazy! Then he tells me if you want things in writing, send us what you want in writing. I then called their foreclosure attorneys and I was given even more ridiculous info for all these anticipatory charges. I was told Midland has to cover what can happen between today and XX/XX/XXXX. Im confused what can happen?!?!??!!! There is a family already living in the house, the lender was paid in excess of XXXX, and theyre acting like there are still grounds for a foreclosure! They are trying to steal XXXXXXXX XXXX  based on some strange reasoning. The attorneys accountant says if they dont use the money, they will send it back. Why am I sending money for such a reason, when a sale occurred and they have received a significant amount of money! The lawyers office continues to harass my real estate attorney asking for XXXXXXXX XXXX!!! I can not believe they are so hard up for money that they have to scam XXXX . Im paying for anticipatory restoration!!! Are you serious! The house is sold, what are you restoring!!!! This is an FHA Loan. There has to be some violations on the so many levels with this.
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

In XXXX of 2021 I opened a business account with Chase. I never received my card in the mail, multiple people in my home, myself included got really sick and I was dealing with way too much associated with covid. I lost both my aunt and my grandmother. I realized in XXXX that I never got my card. I called chase and spoke with a representative and advised her what happened. She indicated that where were no charges on my account she is going to close that card and fed ex me a new one. She did as she said and I received my card in 2 days. I used it for 2 days before I got declined. I opened the account with about {$7500.00} there is no way that it could have been declined. I called chase and was told I am in collection! I kept receiving multiple calls and when I tried to rectify it, I was told there was nothing that could be done! I only had 30 days to report the incident and because I did not, I am not eligible to report it! I lost {$7500.00} that is truly ridiculous and unfair! I reported it to the consumer financ4e in XXXX and a representative4 from Chase called me and said they would start an investigation and call me back. I haven't received a call and have been calling them since! Please help!!!
Consumer complaint received 2019-12-22
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: Bread Financial Holdings, Inc. (MA)

I had to file a 2nd claim to get Comenity Bank to reopen a previously filed claim for a charge dispute as they were not being fair in how they handled the matter. The issue the first time is they close the claim and do not communicate what they need until they send a letter and it states they have closed the claim, not even giving me a deadline : just closing it. Their Customer care Rep XXXX even stated they normally allow longer time frames than what they gave me when I called this morning to request this they re-open this AGAIN for the 4th time. 

I relayed to them I had additional documents to mail and I receive a message on XX/XX/XXXX saying they have not received the documents and maintain their position and are closing the claim. This is NOT fair as they are too quick to close a file yet they will not communicate with me or tell me the time-frame They say 60-90 days but they are too quick to close this out. 

I do not want to leave any stones un-turned as they unfairly denied the claim without proper investigation. They don't even give me a deadline, I merely get a letter saying they have closed the claim instead of them
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2019-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NJ)

From XX/XX/XXXX to XX/XX/XXXX, I was co-owner of a XXXX XXXX XXXX in XXXX XXXX, NJ. XX/XX/XXXX, my then business-partner bought me out and effectively terminated any connection with the company. Around mid-XX/XX/XXXX, I received a phone call from Chase Bank saying that I owe them money on a business credit card. Upon my own investigation, it turned out that my ex-business partner continued to use my credentials for his benefit, and was using my name and other details for the business credit card. I found this very impossible since I did not physically leave the card with him and never authorized him as another user even while I was part of the company. I asked Chase Bank to mail me the credit card statements three times, once in XX/XX/XXXX,  once in XX/XX/XXXX, and once in XX/XX/XXXX - but never received any. I filed an Identity Theft Complaint with the FTC in XX/XX/XXXX. Between XX/XX/XXXX to XX/XX/XXXX, I kept on attempting to contact my former business partner until he gave me a copy of an AFFIDAVIT OF TRANSFER OF RESPONSIBILITY, which he had notarized. The said affidavit was notarized on XX/XX/XXXX and was supposedly mailed by my ex-business partner to Chase Bank. Between XX/XX/XXXX to mid-XX/XX/XXXX, I never received any updates from Chase, neither did my ex-business partner. Finally on the mid week of XX/XX/XXXX, Chase called me again and said that they are still waiting for payment on the credit card ( totaling over {$22000.00} ). I told the Chase rep that I had already filed an Identity Theft Complaint with FTC. I also asked them why I never received any billing statements when I requested for them. It turns out, my ex-business partner called Chase back in XX/XX/XXXX, just after the initial call, and changed the mailing address to his own - information that was relayed to me by the Chase agent. I checked my credit reports across XXXX, XXXX and XXXX and was surprised to see that Chase reported a lower balance online ( {$18.00}, xxx ) compared to the final bill ( over {$22000.00} ). I  finally received a simplified billing statement and not the detailed monthly statements I requested from Chase, around last week of XX/XX/XXXX. Chase never cooperated with my requests to 1 ) Immediately send me a billing statement so I could do my own investigation on the matter ; 2 ) cooperate in determining best course of action since what happened was clearly a case of Identity Theft. Chase also reported 2 completely different amounts that they want to collect from me- 1 ) {$18.00}, xxx reported on 3 credit bureaus, and 2 ) {$22.00}, xxx reflected on the bill they sent me, as well as being verbally confirmed by a Chase agent during the last phone call in XX/XX/XXXX.