davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2019 : Applied for a Chase/United Airlines credit card using an offer code that I received aboard a recent XXXX flight. The promotion offered 50,000 air miles if I spent {$3000.00} in the next 3 months. 

On XX/XX/2019 and XX/XX/2019 : Received an email saying I was approved for a United Explorer card for  which I would 40,000 miles if I spent {$2000.00} in 2 months and 20,000 more if I spent another {$8000.00} ( total of {$10000.00} ). I immediately called to complain and was told I would have to call back when their " partner verification process was complete in 3-5 days ''. 

XX/XX/2019 thru XX/XX/2019 : I called every day from the 3rd day on to try to resolve the issue and was told everyday that the " verification process '' was not complete even though I had already been approved. Finally, on about XX/XX/XXXX I was told it was complete and they would expedite the delivery of my card because of the delays. I asked about the issue with the wrong promotion and was told the matter would be forwarded for resolution and that someone would get back to me within 7-10 days. 

XX/XX/2019 : I received my card via expedited delivery. 

XX/XX/2019 : I did not receive a response within the 7-10 days so I called. I was told that the matter was closed with no action because I received a " better '' offer than I applied for and so they could not " downgrade me ''. I asked what they meant about better offer and they said since I had the potential of getting 65K miles versus the 50K that was on my promotion it was considered a " complementary upgrade so now I can not be downgraded ''. I explained that I understood why it's an upgrade for THEM, but not for ME, since now I have to spend {$10000.00}, but I only intended to spend {$3000.00} so now I only get 40K miles for my {$3000.00} instead of the advertised 50K miles. I asked to speak to a supervisor and was told exactly the same thing ( i.e., " we can't downgrade your offer '' ) by the supervisor. I have the names of the representative and supervisor if that is needed. He was told I would receive a letter about the " resolution '' of my initial complaint in the mail, but that has never happened. 

I asked for another supervisor, but was told that there was no one above him that was available by phone. I was told that I could write to the company headquarters, but they will tell you the same thing. I reiterated that I thought that it was false advertising since I had no intention of spending {$10000.00} and that I just wanted the promotion that I applied for. Again ... '' sorry, can't be downgraded ''.
Consumer complaint received 2019-09-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (MN)

FREEDOM MORTGAGE IS ATERRIBLE company I was suppose to refinance and close on XX/XX/2019 they told me not to pay in XX/XX/XXXX for the month of XX/XX/XXXX. I was working with XXXX XXXX my loan officer. So I didn't pay for XX/XX/XXXX. and then he calls me on XX/XX/XXXX and tells me to pay for XX/XX/XXXX or its going to be on my credit report and Then I  would have a late payment that would make it so I can not close/refinance. I have never done this before so I did not know the process just trusting my mortgage company. So I tried to speak with a supervisor or manager no one ever calls back. I get a new loan officer XXXX XXXX who calls me about closing in XX/XX/XXXX instead of anyone calling me back about the lies I was told. XXXX knows nothing about how his company is poorly handling my hardship and how I had to get more money to pay for XX/XX/XXXX mortgage even though I was told not to and I'm in a hardship and used that to pay my other bills. I even called and spoke with XXXX to make sure its okay to pay my other bills, he said yes these calls are recorded. I ended up paying the XX/XX/XXXX. payment and schedule to close in XX/XX/XXXX. Then the closers never showed up XX/XX/2019 XXXX. I called and got the run around. They reschedule for a few days later and the woman comes late to my house and closes. I then get a late fee letter and so I called and told them I closed they said there is nothing they can do. I spoke with a supervisor and so they said they will remove the late fees. I then get a call from XXXX saying the closer did not fill out all the documents and we need to close again and I will need to now pay XX/XX/XXXX and they sent my check back and I'll have to pay the mortgage and closing cost by Monday and that there is nothing that says they will wave any late charges. I asked for a manager and they said there customer service, loan officers, schedulers and ( Inspire ) the closing company are all different and I can call customer service if I want to complaint. I am now left with no closing. No money for XX/XX/XXXX mortgage and a check that is on hold because they reversed. I will now have this on my credit and can not refinance because this will be considered late mortgage and does not qualify with late payments.
Consumer complaint received 2023-04-04
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2019-09-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: SECURITY FINANCE CORP (SC)

I made a payment that brought my account up to good standing almost two weeks ago. My account was still reported with miss payments and the incorrect balance. Why wasnt my account reported months ago, if and when it went delinquent? Why just now for multiple months, months later hmmm.. Security Finance is obviously not keeping up with there books on a day to day, not even week to week basis because my payment would have been credited to my account and the report file to the credit bureaus would have be correct. Since my account was in good standing at the time of the miss payments & incorrect remaining balance was reported it is false and incorrect information being reported, when the loan party apparently feels like reporting on its clients credit reports.
Consumer complaint received 2019-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MA)

XXXX XXXX Credit cards / Synchrony Bank is charging a " Card Security '' fee monthly. You are auto enrolled into this program with sign up, without explanation. Upon speaking to customer service regarding a refund, they state they are unable to. These are shady business practices. I have been charged monthly since XX/XX/2011. The fees are up to around {$150.00} a month now. Paying the bill every month, yet my balance goes up. Never told that I was enrolled in this program, never told this was an optional fee.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX filed charge-back dispute against the merchant XXXX XXXX XXXX XXXX XXXX , with card issuer Capital One ( dispute # XXXX ) in the amount of {$4000.00}. ( Appears as XXXX on credit statements and correspondence ) XXXX Card issuer applied temporary credit of above amount. 
XXXX XXXX weeks later temporary credit disappeared from my account, disputes average XXXX  days to complete. 
XXXX capital one statement states available credit {$3300.00} from {$4000.00} temporary credit. Reported to credit bureaus as payment toward any previous balance on account. Resulting in credit score to increase.

Previous balance on account {$2100.00}. 
XXXX statement Available credit- {$0.00} New balance {$10000.00}. 
There is no information about the {$3300.00} that disappeared. 
XX/XX/2023 statement reflects temporary credit being reapplied to account as a purchase. 
Card issuer reports to credit bureaus Resulting in credit score decreases, credit utilization skyrockets and credit scores plummet. False information being reported to credit bureaus. Devastating financial ruin. In XXXX  days, card issuer created a debt that did not exist before. 
XXXX called capital one ( card issuer ) call center representative informed me merchant was never contacted or investigation was never started. Claims of time limit of dispute bring past. 
Card issuer has closed account. I am still receiving letters informing me of temporary credits being applied then letters informing me to disregard last letter. 
XXXX letter ( attached ) from card issuer states charge-back dispute # XXXX is incorrect. This is another dispute filed against different merchant XX/XX/2023. 

I filed dispute in question # XXXX on XX/XX/2023 merchant XXXX XXXX XXXX
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

Ive been trying to use my Bluebird debit card for 2 days but they arent allowing me access to my funds. Theyre saying I exceeded my yearly spending limits. A manger from Bluebird itemized every transaction and it came {$20000.00} short from my yearly limit since XX/XX/1922. Ive spend 15 hours with them on the phone with no resolve. They refuse to show me the math of how, according to Bluebird, the limits were exceeded. But their own agent and I actually went line my line and added it up. Its no where near exceeding limits. They are holding my funds and will not allow me to access them. The only money uploaded to this card is for direct deposit, so if I havent deposited XXXX then how can I spend $ XXXX? They ae holding the income I use to pay my bills.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-13
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)

In XXXX I noticed fraudulent accounts on my credit report after receiving a notice that my personal information may have been compromised in a data breach with XXXX. I begin to dispute these items and these items were not removed. In XX/XX/XXXX I filed a police report as well as a FTC report I mailed these copies of the reports along with my social security number, Identification, and proof of address to XXXX, XXXX, and TransUnion. Each company reported that the creditors verified the accounts. I then wrote a letter in XX/XX/XXXX to each creditor as well as XXXX, XXXX and TransUnion to provide me with a copy of the original singed documentation. Their response was accounts were verified. Over the course of the past 3 years I have written letters and been told to resend police reports, file disputes over and over. As of XX/XX/XXXX I informed each company of my rights under FCRA section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) to provide me with the original signed documentation. I also informed them of my FCRA rights under section 611 ( a ) ( 7 ) to provide me the method of verification of these accounts. I was told by each company that the accounts were verified and they do not have to provide any documentation. I called all companies in XXXX of XXXX to inform them of the law under FCRA section 616 & 617 of the civil liability and the remedy available to me if they failed to comply with federal laws. These companies has failed to show me any documentation of the accounts being mine. These companies are failing to follow FCRA section 611 ( 5 ) ( A ) that states you are required to promptly delete all information which can not be verified.
Consumer complaint received 2019-04-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (AZ)

In XX/XX/2014 a medical " debt '' was sent to XXXX XXXX by XXXX XXXX XXXX XXXX   Through deceptive practices and supposedly " running my insurance incorrectly '' a dental procedure which they stated would be around {$40.00} suddenly ballooned up 1000 % more to over {$400.00}. They sent several invoices for this debt and each time I called them and asked them to look into the account. They said they would do an audit of my account and get back to them. I never heard from them until they sent the next invoice. Finally I get a notice from XXXX threatening to ruin my credit, which apparently they have attempted to do since they are on my credit report. The company outside of that one notice has never attempted to collect the debt, no subsequent phone calls or letters to collect. I think this should be removed from my credit report as both these companies acted inappropriately.
Consumer complaint received 2022-12-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

Back in XX/XX/2022 I applied for payment assistance through the Texas XXXX XXXX  XXXX also known as TX XXXX. On XX/XX/2022 I was told by TX XXXX that they needed to speak with my lender PHH Mortgage Services to move forward with my application. From XX/XX/2022 until the first week of XX/XX/2022 I had to repeatedly contact PHH and following up with TX XXXX. I was told something different by each person I spoke with. I was initially told they had the application. Then I was told they didn't have it. I was later told they did not have authorization to speak with TX XXXX  despite me saying repeatedly I give you authorization to do so. I would later find out what was missing was a 3rd party authorization one single document and PHH never made it clear what was required. I was also told my application had been denied by PHH MTG because I didn't qualify, which was a lie. Finally I got the ball moving after threatening legal action. And after thinking everything was going to be okay I discovered PHH MTG received a {$5800.00} payment from TX XXXX on my behalf on XX/XX/2022. However PHH MTG is denying receiving the payment even after being provided a document from TX XXXX that shows the check number, what day it cleared, the tracing number and who it was sent to. PLEASE HELP ME GET TO THE BOTTOM OF WHAT Phh Mortgage DID WITH THAT PAYMENT. I am uncertain if PHH understands to take gov't funds via wire and not allocate them to the proper account and even deny receiving them is wire fraud.
Consumer complaint received 2019-04-29
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credence Resource Management, LLC (CA)

Over the last 20 days, the average calls per day is 7. 
Calls are made at all hours. Some at XXXX, some at XXXX. 
I have called them and asked them to stop calling. They say they will, but it continues. 
They use abusive language, threats and curse words, even after I tell them that they have the wrong number. 
I verified my number is on the DNC list and threatened to file a complaint. They laughed. 
Please help Thanks
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

A check for {$1300.00} was stolen and fraudulently signed/cashed on XX/XX/XXXX. I filed a claim with Chase bank as soon as I noticed ; the first bank did not even properly submit my claim. Then had a series of 10+ phone calls explaining the blatant fraud, including a picture of the check with the forged signature. It took months but I finally received " Reimbursement for Customer Check Claim '' in the amount of {$1300.00} on XX/XX/XXXX. The process was awful with no communication and far too much time spent reaching out to Chase Bank over the phone and in person. My file with them should reflect my displeasure. On XX/XX/XXXX, {$1300.00} was then taken out of my account from Chase Bank. I have not received the same explanation any time I have asked. The answers included : -This will be resolved in 2-5 business days ( it has been 2 weeks ) -This is standard process, we need to take the money back, sorry. No further help. 
-We made a mistake, this money should not have been taken out, let me look into this. 
-Normally if it is over a year the other bank is not responding and it means you will not get your money back. 

Obviously, any consumer will not accept being out {$1300.00} and the fact Chase Bank is denying me my own money despite my efforts has caused me to file this complaint. It is the most blatant case of a fraudulent check being cashed possible and I depend my own money back. 

Please reach out to me should you need any paperwork or further proof of my claims.
Consumer complaint received 2019-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (GA)

Two weeks ago I called regions bank about some disputes on my checking that I need to dispute, I had to call regions several different times, people failing to do their job, hung up, unprofessional, I had to call and talk to different departments and I had provided information about the disputes, nobody wanted or help and was lie to numerous of times when I called, I have been waiting 30 days so far, I called back in to get help nothing but the run around and excuses, Im fixing to close my account and go somewhere else I want my money back that belongs or me and Im tired of being treated badly by this bank, please resolve this matter
Consumer complaint received 2023-04-04
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. (TX)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 XXXXXXXX
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I sent a letter XX/XX/2021 requesting XXXX to send in writing how did they go about verifying with which company they use to verify this bankruptcy. They only sent a notice saying accurate but did not go into detail of the information on what I requested. I have sent a letter from the courts stating they do not verify bankruptcy info with any credit bureaus. They still have this listed on my report
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (TX)

I have a checking account with Regions bank. My debit card information was compromised. This occurred on XX/XX/XXXX. Charges at various stores with my information were made, totaling in excess of {$1800.00}. I contacted the bank on XX/XX/XXXX, the earliest I was able to do so. They told me they would conduct an investigation and consult with me during its progress. Today, XX/XX/XXXX, I contacted the bank to see what progress was being made. They have already denied some of the claims, and did so without consulting me or asking me further questions. For example, they denied me my claim of a fraudulent charge of approximately {$220.00} at a XXXX XXXX XXXX. I have no kids. I have never been inside of a XXXX XXXX XXXX. There are other charges, such as over {$500.00} at a XXXX, a make-up store, as well as at a XXXX. I have never been to an XXXX. What's more, my workplace can show via video and time cards and the witness of my co-workers that I was working on XX/XX/XXXX.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (CA)

Bank of the West gave illegal access to my aunt and I safety security box, where we kept our private documents. I have asked several times for the copies of everything, even after they admitted they were wrong and they have decided to ignore me. I gave them every document requested. They even had me come down on my birthday to collect the documents and pictures, and after having me stand out in the sun for almost an hour ( the location was closing ), they didnt give it to me. Not only do I strongly believe they racially discriminated against me but caused fraud to be committed against myself, my aunt and my children. They need to be responsible for the over $ XXXX in losses they caused immediately