davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capital Accounts, LLC (NY)

Dear Sir/Madam : I disputed the incorrect account which was reported to all 3 bureaus. It was a {$58.00} amount for XXXX Services which was paid to the doctor and it was sent to collections. I called Capital Accounts , LLC and cleared the matter with them and they told me that the account would be EXPUNGED from all 3 CREDIT REPORTING AGENCIES. Please see the email which I received from them on XX/XX/2019. Please investigate and remove the following negative information from my credit reports. Please see the correspondence which I received in the form of an email from Capital Accounts , LLC. 

Account # : XXXX From : Capital Accounts , LLC Client : XXXX XXXX XXXX This letter is to confirm that your balance has been paid in full. This account has been requested to be expunged from the three national credit bureaus as well. 



XXXX XXXX XXXX File # : XXXX Balance : {$0.00} Sincerely, Capital Accounts , LLC
Consumer complaint received 2019-10-15
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I informed Experian that XXXX had sued on a debt that a bank stated that I owed. However, I disputed the amount the bank alleged I owed due to their erroneous calculation of interest. XXXX sued me in civil court and after my attorney responded, they have not proceeded as of this date. So the amount owed is contested and is not proven to be owed, and the proof XXXX submitted does not prove anything, nor has teh matter been decided by the court that XXXX decided to litigate in. Accordingly, they should not be able to claim that I owe a debt when they can not prove and have not proved in a court of law that the debt is owed. This credit reporting is a scam and any kind of verification they did is a scam as well, since I specifically told them that the matter was being litigated.
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

Amerisave charge me a deposit of {$500.00} as an initial the loan. The loan request were declined after 4 months. When I did request to return back the {$500.00} they dont do that. I did ask in the beginning if I cancel the loan request you return back the XXXX the loan officer told me yes.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (LA)

I lost me card on and wallet XX/XX/19 on I reported the card missing onXXXX. someone had used my card at the atm and store in the amounts of {$160.00}, {$100.00}, and {$8.00}. I last used my card at the gas station which I told to the customer card company. I noticed a guy hanging around me when I used the atm and at the store. I keep my pin in my wallet due to a bad memory from a car accident. The bank denied my claim now I am having to move due to not being able to pay my rent.
Consumer complaint received 2021-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the of all hard inquiries.
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (WI)

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern : Chase has refused to give us the complete life of loan history despite our Requests for Information. We requested the life of loan history after we successfully completed our Chapter XXXX Bankruptcy in XX/XX/XXXX. In XX/XX/XXXX Chase sent us a mortgage statement showing we were past due on our payments by several months in the amount of {$6700.00}. We were not behind. Also, the statement showed we had an escrow balance of XXXX. Chase stopped taking our mortgage payments and caused us to go into default. Case Bank then reopened an old foreclosure action from XXXX, telling the court we were in arrears when we were not behind. They set up a Sheriff Sale to take our home. We complained and had an attorney help us stop the sale. We have asked for the complete Life of Loan history showing all payments and credits in real time for our loan and Chase has refused to give it to us. Instead they gave us a partial Life of Loan and then a summary of payments. We cant tell what they did with our account and we still want answers. We believe we have overpaid on our mortgage loan and we need to complete Life of Loan history to see what happened. We were having problems with Chase before we filed our Chapter XXXX Bankruptcy in XXXX of XXXX. We have made several requests for information and notices of error and we can not get the complete records. Chase has also refused to provide to us all our case notes despite our requests for information. They state that CFPB regulations prevent them from doing so. Chase told us that We are unable to send you servicing notes going back to when Chase began servicing the loan. On XX/XX/XXXX, new rules from the Consumer Financial Protection Bureau went into effect that requires us to provide this information from that date going forward. Chase has not told us what regulations prevent Chase from giving us all the Chart notes even though we asked them for this information in a subsequent request for information. We want the complete Life of Loan history and our complete Chart notes from Chase. We are concerned that they are hiding things and that they made a false statement about the CFPB rules that went into effect on XX/XX/XXXX. Please advise Chase to comply with our requests and let us know what your regulations allow and require Chase to do here. Sincerely, XXXX and XXXX XXXX
Consumer complaint received 2022-01-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (GA)

On XX/XX/2022 I contacted my mortgage servicer to notify them of hardship and unemployment. The automated system for Amerihome Mortgage informed me that they would send out a package for hardship. On XX/XX/2022 I contacted Amerihome Mortgage to let them know that I did not receive the packet. 

When I called, I was given an interview with customer service representative. After the interview, the representative informed me that I was only eligible for a loan modification and I could not request a 6 month extension of forbearance. At this time, I am unemployed and I am requesting a 6 month extension of forbearance. I am reporting Amerihome Mortgage for failing to honor the 18 month forbearance supported by law. I am also reporting Amerihome for failing to provide information in a timely manner. I will be held accountable for late payments due to their failure to provide support. 

Please look into this matter as soon as possible. Thank you. 

XXXX XXXX
Consumer complaint received 2019-10-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ND)

XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$24000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This amount reporting is completely fraudulent. I had ( 2 ) months left on my lease with XXXX XXXX XXXX and they agreed to have me work doing construction on the property however, they never followed through with the job and now XXXX XXXX XXXX is saying I owe over {$24000.00} for damages that I allegedly had done when I took it upon myself to weed my yard and put down a couple of pieces of sod. This inaccurate reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. This is a completely unsubstantiated claim. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC (TX)

Atlantic Recovery Solutions agency has harass me consistently for XXXX years for a debt that was made in XXXX. They have lied to say they represent a company, but wont tell me who the company is and where they are located. They have called my father 's ex wife on numerous occasions leaving voicemails about a debt they claim that I owe. I have paid them a sum of {$1300.00} dollars over 3 years and debt has not been validated. They continue to call me and my family members and left voicemails on there phones concerning the debt. This is against the law for them to leave voicemails with my family members concerning the debts. On XX/XX/XXXX, they left voicemails for my stepbrother and stepmother concerning the debt.
Consumer complaint received 2022-01-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am filing this Complaint for inaccurate and misleading information. 

I have filed a complaint with XXXX on an item on my credit report that has inaccurate information. They have replied in XXXX different occasions that they have verified that it belongs to me without explaining their investigation. Account XXXX listed with {$1200.00} debt is not recognizable. They simply respond that the account is valid and they show me no proof of their investigation.
Consumer complaint received 2022-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2022 Dear Capital Accounts After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2022. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-09-23
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. (MI)

I have contacted Equifax several times regarding this account being reported incorrectly and they have yet to resolve it. I finally contacted the company to receive a letter showing that it is reported incorrectly and have mailed it Equifax, three times. In the meantime they have done nothing with it. They are confusing this account with an open account that I am an authorized user on, they need to pay attention and read the letter and they will see the correct account! This is ridiculous
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

I have been battling JP Morgan Chase for nearly 1 year to fix a technical glitch which results in customers, such as myself, receiving up to 6 duplicate emails at the same time when statements are generated, payments are received, and similar. I have called more times than I can remember, have spoken with supervisors as well as regular customer service reps, and in total, have probably spent about 10 hours on this. I have also submitted through the " secure message center '' when logged in and I get an auto reply from a bot that they will not do anything account related and I must call customer service to do so ( which I have done at least 10 times ).
Consumer complaint received 2021-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Wave Financial USA Inc. (NY)

I used WaveApps.com to accept my customer, XXXX XXXX XXXX payments. I completed the service and delivered my works to XXXX XXXXXXXX. 

XXXX XXXX received my work files ( XXXX XXXX ) XXXX XXXX issued a refund from the credit card company. 

WaveApps gave me a short notice email informed me of the charge back and closed my account. I received non-payment for the works I've done and I lost my account. 

WaveApps didn't protect my right and did not provide any information on the website or the email before I used their service. 

I also submitted my complaint to the New York State Department Of Labor for non-payment.
Consumer complaint received 2021-03-09
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: WELLS FARGO & COMPANY (UT)

I have a debit card with Wells Fargo. On XX/XX/XXXX I noticed a fraudulent charge on my account for {$110.00} made through XXXX. As I went back through my account I noticed that this fraud had been going on for months. The first fraudulent charge was made on XX/XX/XXXX. I then went through my account carefully and located all fraudulent activity on my card. I noticed all charges had been through XXXX and totaled 19 fraudulent charges, totaling {$580.00}. I called Wells Fargo fraud department on XX/XX/XXXX and reported, in detail, every occurrence of fraud on my account, as stated previously there were 19 episodes of fraud that began on XX/XX/XXXX and ended on XX/XX/XXXX. On XX/XX/XXXX Wells Fargo refunded {$430.00} which fell {$150.00} short of the reported fraud activity. I called Wells Fargo fraud department on XX/XX/XXXX to find out why they shorted me on the refund and they stated that they only were going to refund 60 days from the statement when the first case was reported. The person I spoke to on the phone did not know when the first reported case was and read back bad information to me. I asked if I could appeal the decision or do anything internally with Wells Fargo to get the total amount back and he told me no and so I decided to pursue this report in an effort to get my full amount back. Below I will itemize all fraudulent activity on my account with dates, amounts and where it was used fraudulently : XX/XX/XXXX - Recurring payement XXXX XXXX - {$1.00} XX/XX/XXXX - Recurring payement XXXX XXXX - {$12.00} XX/XX/XXXX - XXXX XXXX - {$9.00} XX/XX/XXXX - XXXX - {$12.00} XX/XX/XXXX - Recurring payment XXXX XXXX - {$12.00} XX/XX/XXXX - XXXX XXXX - {$66.00} XX/XX/XXXX - XXXX XXXX - {$35.00} XX/XX/XXXX - XXXX XXXX - {$16.00} XX/XX/XXXX - XXXX XXXX - {$35.00} XX/XX/XXXX - XXXX XXXX - {$41.00} XX/XX/XXXX - Recurring payment XXXX XXXX - {$12.00} XX/XX/XXXX - XXXX - {$63.00} XX/XX/XXXX - XXXX XXXX - {$49.00} XX/XX/XXXX - XXXX XXXX - {$17.00} XX/XX/XXXX - XXXX XXXX - {$27.00} XX/XX/XXXX - XXXX XXXX - {$29.00} XX/XX/XXXX - Recurring payment XXXX XXXX - {$12.00} XX/XX/XXXX - recurring payment XXXX XXXX - {$12.00} XX/XX/XXXX - XXXX XXXX - {$110.00} Total fraud {$580.00} Wells Fargo refund {$430.00}
Consumer complaint received 2021-07-23
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (MA)

I sent the attached second RESPA request to this party and got a non response stating they object to my requested documents, this is the second time I've been responded to stating that my request is too vague denying me my RESPA requested documents. This party is denying me my rights to these documents under Section 6 of the RESPA.
Consumer complaint received 2019-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was using Bank of America ATM machine to withdraw {$500.00} in {$50.00} bills and I only got {$300.00} in {$20.00} bills, I called their claims department to open a claim claim # XXXX and was told it may take upto 45 days to be resolved. A couple of weeks later, i got a letter saying it was resolved and no error was detected, I called the bank and dispute it and I was told that there was no error detected. After so much of emotional conversations after practically being accused of making false claims, they offered to submit another request to take a look at it and it got denied as well.
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MA)

I've had an account with Coinbase for a couple years. On XX/XX/21 I had {$300000.00} on my account at XXXX and at XXXX the account read {$0.00} funds and no record of previous transactions. Most of the cryptos were in a vault where it would be a 2 or three day process to take out the funds even for me. There is also a XXXX authenticator which changes codes every 10 seconds to access the account.

I have been trying to contact Coinbase ever since. There is no Phone support and I've sent at least 20 e-mails and they have not responded. I don't even have a case number for this situation. A few days ago trying to log in to my account it said I was required to change passwords and an e-mail would be sent. No e-mail was ever sent. I've done this many times.

Something is very wrong. I've had to recover my account before and there was no problem
Consumer complaint received 2022-12-15
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (MA)

I was asked to sign up for a rewards program on XX/XX/2022 and was told it wasnt a credit card so I decided it was fine to sign up but it turned to be a credit card and it did effect my score. I called the store to asked to cancel everything because of the miscommunication and I wanted my credit score back to how it was before.But they was unable to do so and and proceeded to tell me to call the number on the back of the receipt which I did and they told me to inform CFPB.
Consumer complaint received 2019-07-29
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. (TX)

XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXXXXXX XXXX -  partial account number ****XXXX.  (Please see pages 8 and 9 of the attached credit report.)  I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account.  This tradeline has been removed from XXXX however XXXX and Transunion have not removed this from my credit report.  I have contacted the two bureaus to fix this issue but I have not been successful.  This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2022-01-25
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: TD BANK US HOLDING COMPANY (OK)

A purchase from XXXX using their financing services, provided by TD Bank, was made last year. The item was returned to XXXX within 10 days and a customer support representative assured me the balance was credited back to the account and no further balance remained. I have since received dozens of calls and two letters from TD Bank requesting payment of the full balance. I have spoken with XXXX who continues to assure me the return was processed and charge reversed. TD Bank still continues to pursue this balance despite being provided this information from XXXX.