davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2018 I got an email, and also a text from Chase asking if i had made purchases. The purchases were three transactions from XXXXXXXX XXXX online of XXXX. Total of XXXX dollars. I replied and told them I did not make the transaction so they closed that card and sent me a new one. I also spoke to a representative over the phone and told them I did not make the purchases. They canceled the card and the transactions. On XX/XX/XXXX I went to check my account and saw that they let the transactions go through. I then called chase and they told me they contacted XXXX and they authorized the transaction. The purchase was of 15 downloaded XXXX XXXX office. It showed up as three different transactions. I filed a police report. I am now out XXXX dollars and it has dropped my credit score about 100 points. Chase has been nothing but a hassle, my fraud representative at chase said he knew it was fraud but they still let the transaction go through. The transaction should have never been put through, Chase is at fault for this.
Consumer complaint received 2018-08-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, All Three Credit bureaus : XXXX XXXX XXXX XXXX, XXXX, TransUnion, LLC, and XXXX were notified and informed that there is negative false Negative Public record information reported on my credit report and states it was reported by United States Bankruptcy Court XXXX XXXX of Georgia in credit files maintained under my Social Security number.

Upon reviewing a copy of my credit report, I see an entry listing false information obtained from an unnamed 3rd party on my credit report on XX/XX/XXXX. 
I challenged the accuracy, compliance and reportability of this listing and requested all three bureaus to validate this information with United States Bankruptcy Court XXXX XXXX of Georgia, and requested them to provide me with copies of any documentation associated with this account, bearing my signature and that the information furnisher is in fact the United States Bankruptcy Court XXXX XXXX of Georgia. In the absence of any such documentation bearing my signature and any information documenting confirmation from the United States Bankruptcy Court XXXX XXXX of Georgia as the reporting agency, I formally requested that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note they all had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), including their Method of Verification. I did not consent to e-Oscar, PACER, or any means of automated verification.

I also received proof from the United States Bankruptcy Court XXXX XXXX of Georgia clerk 's office in which they confirmed that they do NOT furnish information to any third party, including the credit bureaus ( attached ). 

XXXX XXXX XXXX XXXX, XXXX, TransUnion, LLC, and XXXX   all completed Investigations and refused to delete this false information from my credit report after confirming the entry listing was information obtained from an unnamed 3rd party and reported on my credit report.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (CA)

Reference # XXXX Creditor XXXX XXXX XXXX XXXX ( Allied International Credit Corp ) Called many times to remove.

Letter is dated XX/XX/2021 No answer and no call backs!
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN HONDA FINANCE CORP (NY)

I have a loan with AMERICAN HONDA FINANCE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and AMERICAN HONDA FINANCE with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/XXXX / XXXX-XX/XX/XXXX.
Consumer complaint received 2018-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Participated in " Up to {$500.00} for your business limited-time only '' promotion. Completed the requirements : " open a Bank of America business checking account and make qualifying deposits of at least {$5000.00} within 60 days of account opening '', also " Open a Business Advantage credit card and spend at least {$500.00} on the card within 60 days of opening a new business checking account ''. However, the bonus was not credited to my account.
Consumer complaint received 2018-08-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I obtained card XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX numerous fraudulent purchases were made totallng $ 13,000+. I disputed with bank numerous times and they refused to honor their advertised fraud protection. During that same period my XXXX and XXXX cards were compromised as well, totaling {$16000.00} in fraud. Both banks honored their fraud polices and credited my accounts and sent me new cards. 
I filed a fraud complaint with FBI at the time, had chat session copies with BOA representatives that I provided. No resolution.
Consumer complaint received 2019-01-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC (CA)

Disputed with company on XX/XX/XXXX. The company received my written disputes on XX/XX/XXXX according to certified mail receipts. It is now XX/XX/XXXX and I have to receive requested verifiable proof. Under the FCRA 15 U.S.C. 1681i, it is my right to have all unverified accounts promptly deleted. The company has yet to provide me with a copy of the verifiable proof even though I have requested this proof multiple times from them. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681g,  Upon request the company is required to disclose to me all of the documents that are recorded and retained in my file at the time of this request concerning the accounts that are reporting in my credit report.
Consumer complaint received 2018-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I previously notified Navient that I am a victim of identity theft, and requested that they do the following Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files.

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. S 1681 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Consumer complaint received 2018-08-23
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: AMERICAN EXPRESS COMPANY (MA)

Gold Delta SkyMiles Credit Card made the following advertisement offer to me : " For a limited time, earn XXXX bonus miles after you spend {$3000.00} or more in purchases with your new Card within the first 4 months of Card Membership. '' I applied for Gold Delta SkyMiles Credit Card in XX/XX/XXXX and American Express approved my application. However I have not received the credit card for which I applied for until XX/XX/XXXX. In XX/XX/XXXX, XX/XX/XXXX I repeatedly called American Express and informed them that I have not received the credit card from them. During each phone call they verified my name and address and promised to sent me a new card, but no cards arrived in my mailbox. Finally, I wrote American Express a letter and informed them that I never received a card from them and several months after I mailed them a letter I finally received their card in XX/XX/XXXX. 

However, the Gold Delta SkyMiles Credit Card was delivered to me more than four months after I was approved for the card and I was not able to make any purchases on the card until I received it. 

Now American Express claims that I am not eligible to receive the XXXX bonus miles since I have not made the required purchases within the first 4 months of card membership. I explained to them that due to their inability to deliver the card to me on time I was not able to make any purchases on my account until XX/XX/XXXX and asked them to extend the period in which I can make the purchases to receive the miles advertised under their offer. American Express representatives I spoke to have not made any attempts to resolve the issue nor were they able to find a person who is able to resolve the issue and call me back. 

I understand that technical issues sometime prevent American Express from fulfilling the promises they make in their advertisements, however the fact that they are not able and/or not willing to correct their errors suggests that it is American Express ' intended practice to delay the issuance of credit cards in order to avoid fulfilling their advertised promises.
Consumer complaint received 2019-03-30
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: Cornerstone Holdings, Inc. (AK)

To whom it may concern, I have on more than one occasion to verify two items XXXX XXXX XXXX XXXX # XXXX specifically on XX/XX/2019, XX/XX/2019 asked this company to validate the information on my credit report under Section 609 ( a ) ( 1 ) ( A ), that they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Included in this process is required for them to show proof of verification and validation with documentation but they have never provided me with proof that this debt is indeed mine. They have arbitrarily stated that it is verified or updated without any evidence or proof ( which will be provided in the documents below ). In addition one of the items is beyond the statute of limitation of reporting and also should be removed from my report. All I am asking for is a thorough investigation of the items on the report that are required to report accurately under FCRA standards.
Consumer complaint received 2018-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (WA)

I opened a PayPal account on XX/XX/XXXX with the intent of using my PayPal account to accept payments for items ( 2 rare coins from my personal coin collection ) that I planned to sell on XXXX. On XX/XX/XXXX the coins sold successfully and I received the payments to my paypal account, {$1400.00} total, {$740.00} for each coin. My PayPal account immediately had a limitation placed on it pending a review of my account activity. I was told a couple weeks later ( after I already shipped the coins to the buyers ) that after PayPal 's review, my account would be permanently limited and my funds would be held for 180 days from the date of the limitation due to " high risk activity ''. I strongly believed at the time this was an unfair action but was told the decision was final. On XX/XX/XXXX I received an email saying my PayPal funds were eligible for withdrawal after this 180 day time frame passed. However, since then I've been having issues actually withdrawing the funds. I now receive an error message when trying to log into my account to withdraw the funds saying " Sorry, we can't log you in. If you think there's a problem with your account, please contact us. '' I have not been able to get this issue resolved with PayPal 's customer support so I can actually regain access to my account. Any department I'm connected to says it's a different department 's problem. And no one can explain why this block was placed on my account preventing me from logging in. I was promised by PayPal that I would be able to withdraw my paypal funds after the 180 days passed so I want PayPal to live up to this promise and allow me access to my money. It is my belief that PayPal has no legal or legitimate reason to continue holding this money. It has now been over 3 months past the date that I was supposed to have access to my funds.
Consumer complaint received 2018-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

In the course of 3 years, I have tried several times to dispute this problem. The college I was attending took down the wrong contact information on my loan application. I did not know that I was missing payments until I was notified by mail. By that time I was around 3 months late. I corrected my contact information and haven't missed a payment on my credit report since then. I tried disputing this situation with multiple credit bureaus with no yield. I also tried contacting the college and was told they could not help.
Consumer complaint received 2018-08-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (AZ)

XXXX XXXX was my mortgage loan officer for a new construction purchase. From the beginning he assured me he has everything taken care of and was honest. The builder had there own in-house lender and if we used them they paid closing costs. Since I had been working with XXXX first I felt bad switching after being preapproved through him and he assured me the closing costs would never be more than 6k. Long story short after many lies and deception closing costs were well over 6k and he had snuck in XXXX $ in buying down a point NEVER discussing this with me, told Me because I had the funds in my account they could not be gifted even though this was in original paperwork from purchase contract and had been fine all along and when I told them No ; the commission is being gifted from my mother ( realtor of the transaction ) he told me ( after missing the close date and lying ) that I could No longer have it gifted and would Need to wire more money pay another wire fee and pay it out of pocket.

When I said no, him And his manager said we saw you have proof of funds in your account are you telling us you no longer have access to these funds I said yes I do I dont want to pay closing thats money in my Savings and its being gifted they told Me They would Have to reopen The entire loan and go back to underwriting and could Delay it weeks if it was approved at all If I didnt wire the additional funds. They lied about rushing the appraisal. They lied about assuring me they would cover the cost of the rushed appraisal. They snuck it into the fees after promising me they would Cover it because it was there error. They lied and told me it could Only be title As sole and separate and if we were to change it to the way it was originally suppose to take title it would again be sent back to underwriting and take another week out of closing and also possibly no longer be approved/ they tried to bully us into agreeing to the terms in order to close and not forfeit our XXXX deposit with the builder. They also are charging us a XXXX $ tax rate monthly because they are charging us a California tax rate on our home in XXXX az because the land isnt assessed yet.

Why would I pay Cali taxes on a home In AZ?

I got every manager at flagstar involved, they did not care and knew that because they had already lied and held up Closing by a week I wasnt able to switch lenders at that point without losing my XXXX  deposit with the builder and being in breach of contract. They were so emotionally abusive during the entire process and I have emails ; texts and phone call logs to prove everything. XXXX needs to lose his ability to even be a mortgage Loan officer! He is a fraud! I can not believe flagstar Allows there company to run this way. I will continue to warn everyone and report them Closed on XX/XX/XXXX.

Started working with them XX/XX/XXXX.
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My name is XXXX XXXX. On XX/XX/2022, my friend, XXXX XXXX sent me a XXXX XXXX  payment of {$100.00}. I requested XXXX XXXX to transfer/deposit that payment into my linked Bank of America checking account. 

XXXX XXXX provided me with a transaction receipt indicating that the transfer was completed on XX/XX/2022. However, Bank of America claims to have no record of that transaction. 

XXXX XXXX claims that upon their investigation into my claim, they found that the funds were transferred to Bank of America. However, they did refund the {$1.00} transfer fee. 

Bank of America simply stated that that didn't get it and refused to submit a claim.
Consumer complaint received 2018-08-23
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. (CA)

Since early XXXX I have attempted to get experian to correct their inaccurate reporting of my XXXX XXXX XXXX account. XXXX has given me assurances in writing and orally the account is and has been reported as closed to all 3 credit reporting agencies. However, EXPERIAN flatly refuses to correct their reporting and show this account as OPEN when it is closed. I have submitted numerous request to experian to show this account as closed and uploaded the letter from XXXX dated XX/XX/XXXX stating they too have told experian the account is closed several times but it is up to experian to update its own records. I sent XXXX 's letter to experian and was given # XXXX when I completed the upload with yet another dispute of their incorrect reporting and experian promptly stated matter was closed and still show the account open with the dispute closed. I got another letter from experian XX/XX/XXXX # XXXX portions of report marked showing they have account open not closed as XXXX is reporting it. Their false reporting makes my credit score rather low because it shows I am using a over 50 % of my credit from XXXX when in fact it is closed and I am using XXXX % just paying back the debt I incurred as we agreed I would. Please contact experian and instruct them to correct their records to show my XXXX account has been closed since XX/XX/XXXX NOT OPEN and being used as a line of credit. Thank you.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NM)

XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-08-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (AL)

I have an auto loan with Chase Auto Finance. In XX/XX/2017, my payment due date fell on a Saturday. I made the payment on Friday before the XXXX cutoff time. Instead of the payment posting that day like it should have, it didn't post until the following business day, resulting in a 30 day late payment that is showing up on my credit report. I've tried calling Chase Auto Finance multiple times to request that this 30 day late payment be removed from my credit report, and every single time I end up having to ask for a supervisor and/or manager, which either ends with a disconnected call or failed transfer, or that someone will have to call me back. I've never received a return call from a supervisor or anyone else in management. I've tried sending a payment dispute letter to their research department, but I can't get any answers from that either. I would like Chase Auto Finance to remove the one and only late payment from my credit report so that I can continue with the process of buying a house.
Consumer complaint received 2022-07-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BMO Bank, N.A. (IL)

Why does BMO Harris bank only use the gross amount when determining if you're eligible for a specific loss mitigation plan during a hardship? They seem to also ONLY look at direct housing cost and what appears on your credit report. There are expenses that will not appear on a credit report, I.e. paying for someone to take care of your spouse who had a XXXX, grocery bills for a family of 6, child care payments, life insurance payments, car insurance payments, etc. It is unfair and unreasonable that BMO Harris has a process as such.

This process should be changed.