davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

I received a new credit card from JP Morgan Chase Freedom XXXX that I never applied for. It has my name came to my address and has a {$11000.00} limit. I called the back to see who applied for this when and where. Sent to fraud debt who after 40 min agreed to close the account. Im not sure who applied for this or if the bank just sent it.
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XXXX/22 I received check # XXXX in the amount of {$1000.00} as payment from XXXX XXXX XXXX, XXXX. On XX/XX//22 I deposited said check to my Chase checking account via my mobile app. 

Moneys in the amount of the check were never released into my account and on XX/XX//22 Chase closed my checking account because they couldn't verify the funds from CHeck # XXXX which I tried to deposit check into. Upon contacting chase I was told that the check was flagged for fraud and that it was being held in a chase reserve account that I do not have access to. 

I contacted Chase Bank both in person and via telephone countless times and have not been provided a solution. Chase states that they need a verified phone number and all the numbers I have provided them doesn't match what they have in their system. I'm quite perturbed since the numbers I provided Chase with has been used for XXXX XXXX XXXX, XXXX well over 15 years and can be found on the companies website as well. 

I have been told by Chase there is nothing more that I can do because the Fraud department doesn't speak to anyone or accept emails. XXXX, the representative I spoke to on behalf of Chase ( stationed out of a call center in Texas ) also mentioned that they can hold the funds up to two years and then the funds will be released to the state. 

I've also discussed with XXXX XXXX, XXXX of XXXX XXXX XXXX, XXXX, the company retracting funds, however, because of the funds clearing, she was unable to grant my request. 

Attached please find the cleared copy of the check - on behalf of XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, XXXX. Also attached is the correspondence XXXX presented Chase with. 

Please let me know if you need any other verification or documents.
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/XXXX my debit card was used for five fraudulent transactions total of around {$560.00}. Those were done in XXXX XXXX, VA, a place Ive never been and certainly didnt make three ATM withdrawals. USAA refunded my money that day but three months later they deducted those amounts after concluding they were not fraudulent after a through investigation. They wont allow me to talk to anyone on the investigation and keep giving me the run around. They are supposed to protect their members against fraud and USAA called me a liar after 22 years of membership. And I have no way to fight this bc they keep transferring me and promising a call back that never happens.
Consumer complaint received 2022-02-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

There are numerous inaccuracies and or negative items on my credit report that need to be fixed. These items are not reporting correctly according to the law. See letter attached for a detailed explanation
Consumer complaint received 2022-08-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

I closed a mortgage refinance with Rocket Mortgage on XX/XX/2022. I was not left with a copy of the closing package. I never received a copy during the XXXX rescission period. I decided to rescind my loan on XX/XX/XXXX and since I didn't have a physical form to send them I called. I couldn't get any one on the phone. I left several messages indicating that I wanted to rescind my loan so to consider this their notice. It wasn't until this morning that I heard from anyone and they told me it was too late. I explained that I didn't have a copy of the closing package, that I had no form or fax number to send in a request so I called in to execute my right to rescind by midnight on the XXXX day. They are still refusing to cancel my loan. I'm hoping the CFPB can step in to get them to comply with my request to rescind so that I don't have waste money on lawyer fees. 

This is predatory lending. I don't want their high rate or high fee loan. They are trying to strip my equity.
Consumer complaint received 2017-04-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AZ)

When I signed for the loan through XXXX said the loan was for 15 years. I needed a cosigner at the time. After repairing my credit I tried to have the co-signer removed only to be denied. My cosigner passed away and I submitted the certificate of death and they have still yet to remove her ( it 's been over a year ) Navient said a law firm XXXX would contact me. No letter has ever come. In this process I found that when XXXX sold my loan to Navient they changed the time period to 21 years. My loan was for XXXX and they did n't apply anything to the principal until just recently. After the loan is paid in full I will have paid XXXX dollars for a XXXX dollar loan. I 'm half way through repayment and my payment is XXXX dollars a month which is on auto debit. It 's more than my car payment. Everytime I have emailed they show no track record of it in the Online inbox and have yet to follow through on the co-signer issue as well as sending me a original copy of the XXXX loan.
Consumer complaint received 2022-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I applied ( through a state program with the Department of Economic Opportunity ( DEO ) - " HAF '' Homeowner Assistance Fund ) for mortgage payment assistance in the amount of {$1200.00} and was approved on XX/XX/2022. I was approved for the payment assistance to pay my mortgage payments for 18 months ( see attachment ) starting XX/XX/2022. I had called the HAF department 3 times prior to XX/XX/2022 to ensure that the payment was sent to my mortgage company. 

On XX/XX/2022, I was informed by a member of management with the HAF department that in fact they mailed the check in the amount of {$1200.00} to my loan servicer with a check number of XXXX had cleared on XX/XX/2022. After multiple calls to my mortgage company, they do not have confirmation of the check received from Department of Economic Opportunity ( DEO ) and OR the " HAF '' Homeowner Assistance Fund. 

There is there is only 2 business days left in this month before I am formally late and before this goes into another month of misapplied or no payments being confirmed by my mortgage company. ( Included XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX - ( XXXX ) XXXX - See attached mortgage statement reflecting loan servicer and no history of documenting the XX/XX/2022 mortgage payment from the HAF department ).
Consumer complaint received 2022-08-26
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. (GA)

I filed for XXXX XXXXXXXX in XXXX and completed the process in XX/XX/XXXX. The Trustee closed the case and it is reported in XXXX XXXX as a closed account. It could not be reported as discharge because of a prior XXXX XXXX discharge which is correctly reported on my report. 

I have tried to contact the credit bureaus more than four times because they are reporting the case as DISMISSEd and not CLOSED. I have provided a copy of the Court 's filing which indicate the case is CLOSED along with a copy of the XXXX XXXX report also showing it CLOSED Each time Experian, XXXX, and XXXX have stood firm not changing the status. 

According to the bankruptcy rules, it states : Since bankruptcy reform in XXXX, someone who files a XXXX XXXX right after their XXXX XXXX doesnt get a discharge in the XXXX XXXX case. 

After speaking with the XXXX 's office, they confirmed the above and reaffirmed that the case was NOT DISMISSED, but CLOSED and they do not understand why it is being reported as DISMISSED. 

Furthermore, A dismissal is usually a loss. It means the bankruptcy case was closed before a discharge was entered. THIS IS NOT THE CASE. 

All payments were made over the 60-month process, the Trustee accounting was finalized and the case closed - again, because of the XXXX XXXX discharge another one could not be entered because it was within the 4 years of filing the XXXX XXXX. 

I would like the credit bureaus to correct their recording which if it remains dismissed if there are other creditors I may once again fall into harassment from them trying to collect a debt that has been taken care of under the Bankruptcy law.
Consumer complaint received 2022-02-23
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. (TX)

PLEASE FIND ATTACHED DOCUMENTATION SHOWING WHY THESE ACCOUNTS SHOULD BE REMOVED. THE FOLLOWING COMPANIES HAVE BEEN NOTIFIED AND THEY ARE NOT FOLOWING THE FDCPA AND THE FCRA. 
XXXX XXXX THIS ITEM HAS BEEN PAID AND CLOSED. THE ATTACHED CREDIT REPORT IS INACCURATE INFORMATION A VIOLATION ON HOW ITS BEING REPORTED. 
UNAUTHORIZED INQUIRIES HAS BEEN PRESENTED TO EXPERIAN AND XXXX. 
XXXX XXXX REPORTING LATE THIS IS CLEARLY A VIOLATION. NO LATE PAYMENT FOR CONGRESS HAS NO DEFINITION FOR SUCH AND AS PER 15 U.S.Code 1666b and 15 U.S. Code 1602.In light of the facts and the laws present it is found that each assignee and creditor, being a servicer of the original creditor, operating as money transmitting business, acting
Consumer complaint received 2022-04-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (NC)

A women called me from this company threatened me regarding this collection and was very rude and nasty to me wouldn't give me any information on what was owed or why and told me if u didn't pay it the would seize my paychecks and go after my family for it if it wasn't paid. Medical should never be on a credit report nor should I be threatened to make a payment this is outrageous.
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VEROS CREDIT, LLC. (AZ)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2022-08-26
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: Harley Davidson Financial Services Inc (GA)

15 usc 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction 15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NC)

On XXXX XXXX a deposit amount from my employer was sent to the PNC bank using a generic routing number that is PNC owned. The funds were never deposited into the account. The funds are holding due to the routing number not being correct. I was told I would have to wait for the funds to be rejected in order to have the funds deposited into my account. I was also told that the funds could be moved by the ACH department immediately. Upon speaking with them, I was told it could not be done. If the account information is correct the routing number was PNC owned why were my funds not sent to the account. I was told per XXXX and XXXX that they were behind in there work and I would simply need to wait. That is not my problem they are short staffed or behind why tell a 10 year customer that.
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (OK)

Due to covid i got behind on my second mortgage, it went into foreclosure because I was denied a mortification. I made an offer to settle the loan and was turned down. Now I've paid the account to get it paid up and try and pay it off quickly, now they have added fees and per diem which I'm not sure what for. They have repeatedly hung up or got " disconnected '', the loan officer was repeated rude and acted like i was bothering hime when ive asked for him to explain where the " fees '' came from, he said that the attorneys will have their own fees too, XXXX?? Can mortgage companies just add whatever fee they want we have to pay? When I've tried to make a payment online their system would not let me, when I called to make a payment they wouldn't take it. I've requested a pay off amount and the loan officer said he couldn't give that to me until they added the fees to it. this loan was for {$15000.00} and I've paid over {$36000.00} not including the {$14000.00} they say I still owe. This loan was made in 2008, when I called to refinance the loan several years ago they told me they don't do those types of loans. The interest rate is 14 % which I've read that in 2008 they consider some of these loans predatory. Now they have reported on my credit and basically destroyed my chance to refinance my primary mortgage. 
I wasn't sure if there is some legal action I could take. 
the company is Statebridge Mortgage out of Colorado
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MI)

Synchrony bank is the creditor. I have had 3 accounts with them where they sneak onto your bill ( card security ) that charges a monthly fee. 2 of my accounts they did this to and when I confronted them on one of the accounts they always say " you signed up '' for it but I never sign up for credit insurance on any credit card what makes them so special. I did not sign up for I told them so on one of their accounts they refunded the money then a month later I seen it on my bill again. Same thing happen they said I signed up for I told them I didn't they refunded. Then on my synchrony lowes account which I forgot to look into thinking it was a random accurance on the other account. I finally after paying huge monthly payments to synchrony lowes account {$280.00} per month couldn't fathom why my bill never went down only went up when I hadn't purchased anything in nearly 6 months. So I looked at my statements and seen they were charging card security on that account to the tune of {$100.00} plus per month for years they were charging me this and when I confronted them they said their classic line " you signed up for it ''. I was livid paying for years on a card trying to pay it down but couldn't because they were scamming me all along under the guise of ( card security ). They only refunded {$1300.00} of that money but they owe me much more than that plus interests. They been charging me interest on charges that should have never existed. When I confronted them on that they said " case is closed ''. I want to sue them and expose them for what they are doing to unexpected trusting consumers. We look to businesses to hold the highest standard not be crooks. They also used this as a excuse to lower my credit limit and when they did that which they did numerous times they solely destroyed my credit. I never defaulted or was late on any payment to any of my credititors not even synchrony bank but they have been he'll bent on ruining my credit and it all started with their scam they pulled on my called XXXX XXXX. I want them fined and held accountable for harming me financially and damaging my credit by deliberately lowering my score so they can up their fees making me look like a credit risk. I am also doing XXXX reviews to warn everyone about they shady business practices. Oh this lowering my credit limit thing they are pulling this is what they did. So my lowes credit limit for example is XXXX and my balance is {$4700.00} so what they will do is lower your credit limit to {$4700.00} then you pay {$1000.00} then they lower it again and so on each time they lower it damaging your XXXX XXXX.
Consumer complaint received 2018-12-26
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: Midwest Recovery Systems (TX)

I have no idea where this account cane from. But my personal information may have been used through data breaches with several companies to include XXXX. This is either a fraudulent account, or belongs to some one else. It's showing Midwest Recovery Systems reporting this but the account is showing to be originated with a company called XXXX XXXX. I have never applied for a pay day loan for this company ever. I would like to have it removed frommy credit report with all the major credit reporting agencies as soon as possible.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (SC)

Fair Collections & O is showing a leasing management balance of {$5900.00}. I vacated the rental property address : XXXX XXXX XXXX, XXXX, SC, XXXX managed by XXXX in 2016. I have never received a statement with any itemization of damages or fees, etc. The South Carolina Residential Landlord and Tenant Act, ARTICLE 3, Landlord Obligations, SECTION 27-40-410. Security deposits ; prepaid rent states : ... Any deduction from the security/rental deposit must be itemized by the landlord in a written notice to the tenant together with the amount due, if any, within thirty days after termination of the tenancy and delivery of possession and demand by the tenant, whichever is later... 

Because they failed to provide the written documentation the fictitious charges need to be removed.
Consumer complaint received 2023-07-28
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. (TX)

More inquires that I did not authorize : 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 2018-12-26
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: ZOA, LLC (TX)

I have no idea where this account cane from. But my personal information may have been used through data breaches with several companies to include XXXX. This is either a fraudulent account, or belongs to some one else. It's showing XXXX XXXX XXXX reporting this but the account is showing to be originated with a company called XXXX XXXX. I have never applied for a pay day loan for this company ever. I would like to have it removed frommy credit report with all the major credit reporting agencies as soon as possible.
Consumer complaint received 2018-07-13
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: Commonwealth Financial Systems, Inc. (MI)

I have several collection accounts with this collection agency that should be past the statue of limitations. They were emergency room visits from XX/XX/XXXX and this company bought the debt and marked it as new as of XX/XX/XXXX.. thus illegally reaging my account.
Consumer complaint received 2017-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (MI)

I was contacted by Sunrise Credit by a young lady name XXXX XXXX regarding an XXXX XXXX XXXX bill that was owing. I know that the debt was mine and accurate and wanted to settle it. From the beginning I told her that I wanted to take care of it so that the negative information would not hit my credit report. I gave her my debit card info XXXX it is linked to my checking account ). My purse was stolen which carried my debit card in it. It was a mess for me, having to order replacement cards, social security cards for me and my children, license etc. that I forgot to call Sunrise. XXXX called me back and informed me that my payment was declined. I told her the above situation and she stated that she would call me back, I told her to call me Tuesday XXXX because I would have my new card by then. Well the morning of XX/XX/XXXX, I was alerted that negative information was added to my credit report. When I checked, it was from Sunrise. I was never told that it would be on my report if I had an arrangement. I immediately call Sunrise and the lady that I spoke to told me that it would not be removed as the arrangements were voided. I am confused a sa consumer because I spoke to XXXX XXXX time within the same week, keeping her aware of the situation about my card and she never mentioned the negative reporting. Had I known this I simply could have provided my checking account information. This company has scammed me and refuse to right the situation.