davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

There were some issues with some branches and so I sent an email to the executive office last week. That same email was sent ccd to various people at chase executive office. 

Someone named XXXX from the executive team called me and left a voicemail on my phone with all misleading information. She refused to send a response via email. There was no extension number provided in that voicemail so that I cant track who XXXX is. 

I closed my account primarily based on what I was told by XXXX. 

The debit card team supervisor named XXXX told me today ( Sunday ) that the information XXXX has left on my phone is misleading and incorrect. I then asked to speak to the executive team. She connected me to another person saying you will be now speaking to the executive office. A lady takes the call claiming herself to be from the executive office. After few minutes of conversation I had a suspicion that the lady is not from the executive office. I disconnected the call. 

I called again and this time the representative said the executive office is closed on Sunday, and the supervisor XXXX transferred the call to some random person fraudulently claiming as the executive department of Chase. 

I called again to lodge a complaint against XXXX and asked for the complaint to be sent to the executive department directly. The representative took the complaint and gave me the complaint number and said the credit card team can open a case for me, for this particular case number to be forwarded to the executive team directly. So the call got transferred to some credit card team. 

The lady from the credit card team refused to take the complaint and disconnected the call on my face. 

It is transparent, starting from the branch representatives, to the phone supervisors and reps and all the way up to the chase executive office, all of them are corrupted. An act of corruption inside chase, as a large team.
Consumer complaint received 2017-05-29
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: Experian Information Solutions Inc. (CO)

Back in  XXXX  of  2016    XXXX   XXXX   posted negative information on my credit history. I disputed with  XXXX  and the other  XXXX  credit reporting agency on  XXXX   XXXX ,   XXXX  , and the negative information was removed from my account on  XXXX   XXXX ,   XXXX  . Equifax gave me a confirmation #  XXXX  after deleting the negative information.   After  one  year the same negative information reappeared under different collection agen cy (   XXXX   XXXX   XXXX   ).   XXXX  did not send me any letter and did not help me remove the negative information. The amount in dispute is {$170.00}. All the credit agency also have many wrong addresses on my file. I was told I can not do it online but I have to call them. When I call the number provided, they phone keeps disconnecting and unable to reach a customer service rap. I never liv ed at 1  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Colorado  XXXX  2 )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX   3 )   XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX
Consumer complaint received 2019-07-08
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. (GA)

On XXXX/XXXX/2019, my Chase Sapphire Credit Card received a charge in the amount of {$360.00} from XXXX, which I did not authorize. On XXXX/XXXX/2019, I immediately opened a dispute in the local Chase branch. At that time, Chase gave me a temporary credit for the charge. A few days later I canceled the card to refrain from my credit card being charged again fraudulently. However, on XXXX/XXXX/19, the unauthorized charge reappeared on my card again. In addition, on XXXX/XXXX/2019, I received a letter from Chase ( written XXXX/XXXX/2019 ) advising that they received verification of the charge. Yet, it was a fraudulent charge that I did not authorize. Therefore, it is impossible for their verification to be accurate, and I should not be held responsible for the charge. Chase has closed the dispute and rebilled the charge amount of {$360.00} to my card plus interest. I am not happy with the way this matter has been handled. As a result, I do not appreciate the security measures that Chase offers in protecting my account from unauthorized usage.
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

As a returning customer, I applied for XXXX mortgage refinances with Amerisave on XX/XX/2020. At the time, I was promised some " returning customer credit '' and " today-only credit '' if I submit these {$500.00} application fee each same day by their processor. So I did pay and and began the process with them. 

My main complaints are : 1 ) My primary home refinance is taking over SIX ( 6 ) months and they are still not able to close it. 
At first, they had trouble providing a " PreApproval letter '' to my HELOC lender for subordination for months. That was processing delay on their part. Then they were not able to honor the rate they promised me, even though mortgage rates have been going down in the last six months.

2 ) I was promised {$1000.00} credit for the second mortgage refinance ( " {$500.00} returning customer '', " {$500.00} today-only if I apply '' ). These were not in the closing, and my email to the processor was ignored. I closed it anyway in the interest of time ( 3 months for this loan ). The primary loan processor promised to roll these credits ( plus the extra {$500.00} for returning customer on that loan ) into the primary loan. But of course, that loan never closes up to this point.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

To Whom It May Concern : This letter serves as a formal complaint that Update Late Pmts to Bureaus Equifax, XXXX XXXX, and XXXX you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. XXXX XXXX XXXX l also respectfully request to be provided specific proof that these alleged late payments were in fact late. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws. I also request that you send the description of the specific procedure you use to determine the accuracy and completeness of the information. I know this must be provided within 15 days of the completion of your reinvestigation. XXXX XXXX XXXX accordance accordance with the fair credit act XXXX XXXXXXXX, has violated my rights. 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 instructions. 11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT with the fair credit act XXXX XXXXXXXX, has violated my rights. 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 instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT Thank you for your time and help in this
Consumer complaint received 2019-07-08
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc. (FL)

In the present expose as a client my dissatisfaction with a report from Banco Santander to my credit bureaus that affects my credit score which I am protecting, I have an excessively high interest, which has sometimes been difficult for me to maintain a payment to weather. I have spoken with the bank and they have told me that this is directly with the credit bureaus. The day we decided on a payment agreement, I was conducting intensive studies for my XXXX license from the state of Florida. I ask that the late payment report from my credit bureau be removed.
Consumer complaint received 2019-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (IL)

On XXXX/XXXX/2019, XXXX XXXX XXXX XXXX sent a letter stating that Calvary Portfolio was their client for a debt balance {$3300.00}. XXXX XXXX XXXX Services stated they were authorized to accept {$1000.00} on behalf of their client, due XXXX/XXXX/2019 as settlement in full. I sent {$1000.00} to XXXX XXXX XXXX XXXX to settle this account in full and XXXX confirmed my payment was delivered to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX XXXX/XXXX/2019 at XXXX Central and signed by XXXX XXXX 

On XXXX/XXXX/2019, XXXX XXXX XXXX XXXX contacted me by phone and said I owed a balance of {$2300.00}. I explained that I received a letter from their office XXXX/XXXX/2019 outlining the settlement in full. The agent said I was short {$44.00} and therefore owed the remaining balance. I asked, " why would they send a letter stating {$1000.00} was settlement in full, if I supposedly owed more than that amount? Also, I paid {$1000.00} toward this final payment. '' The agent said the letter I received from their office was not valid. I asked, " how is that possible? It is on your company letterhead and sent from your company? '' He did not have an answer and continued to deny that my letter was valid. Also, I never received a letter from XXXX XXXX XXXX XXXX to verify this new amount due of {$2300.00}. 

I checked my three credit reports and Calvary Portfolio has listed a balance in collections {$2300.00} as outstanding. I am disputing that a balance {$2300.00} is past due with Calvary since this was settled in full per the terms outlined in the letter sent by XXXX XXXX XXXX XXXX XXXX/XXXX/2019.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I processed a payment through on-line bill pay with Bank of America through my small business checking account. The payment was to pay a vendor I have done business with many times. 

Pay to : XXXX XXXX XXXX  Scheduled Payment Date : XX/XX/2022 Amount : {$2700.00} XXXX XXXX XXXX never received the paper check that was processed by Bank of America. Someone stole it out of the mail, forged the check, and cashed it. Per my request, Bank of America sent me a copy of the cashed check with the forged signature. It was cashed on XX/XX/2022 and signed by someone who has no affiliation with XXXX XXXX XXXX 

Initial Claim number with Bank of America : XXXX The first claim was processed on XX/XX/2022. On XX/XX/2022, I received a letter that Bank of America denied the claim because the transaction in question was completed using a device that is consistent with previous valid account activity. '' How the payment was generated was not the issue. The issue is that someone stole the check and cashed it. 

Upon receipt of the claim denial, I called Bank of America again and they started a new " case '' under XXXX XXXX XXXX. XXXX XXXX XXXX had to fill out paperwork and have it notarized to confirm they did not receive the funds which was done in a timely manner. The only update I get is that Bank of America is in the process of researching the issue, and they are waiting for " XXXX XXXX XXXX XXXX '' to respond. 

Bank of America has been giving me the run around on this since XXXX XXXX. I have spoken to XXXX in Texas, XXXX in Texas, XXXX in Florida, XXXX in Georgia, XXXX with the XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX in Florida again as well as numerous correspondence requests through email. I have made over 20 contacts with Bank of America and nobody will take ownership of this and get the issue resolved. 

I would like my {$2700.00} put back into my business checking account. Bank of America 's complete lack of service and follow through on this issue has been beyond frustrating. 

Thank you in Advance for your help with this issue.
Consumer complaint received 2019-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

My problem is with LoanCare , LLC which operates the website myloancare.com. They purchased my loan two years ago. I've had the same homeowner insurance for 7 years. LoanCare , LLC paid my insurance last year on time. This year they didn't and I lost coverage. They show they sent payment but now sent me a letter stating I have no coverage and threaten to purchase more expensive insurance. They don't answer my calls nor respond to my emails.

They had all my insurance information as it hasn't changed in 7 years and they paid it last year.
Consumer complaint received 2019-07-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Collections, Inc. (WA)

Express Collections, LLC has my soon to be ex-husbands non medical bills on my account and will not remove them from my end. I had nothing to do with those debts and have asked them t remove them and they will not. I do not owe that money to XXXX XXXX XXXX XXXX XXXX or XXXX XXXX, that is my husbands debt and I want it removed off my end of collections.
Consumer complaint received 2019-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Southwest Credit Systems, L.P. (FL)

XXXX  XXXX has been reporting for years a phone that was returned to XXXX, and which was sold to me through a scam offer in the XXXX mall. I need to use my claim calls for my account to be removed from my credit bureaus. 
SW Credit Systems L ... por XXXX $ In my inquiry, I wish that all the money and the damages that this has caused in my credit be returned to me. Thank you
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Transunion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX
Consumer complaint received 2021-12-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Certegy Holdings, LLC (TX)

Twice I attempted to cash a Texas XXXX XXXX check at XXXX XXXX and XXXX, both declined for reason XXXX : The transaction did not meet acceptance guidelines. When I requested and received my file disclosure report to explain why the check cashing was declined, it states : NO INFORMATION ON FILE. I am filing a complaint because whatever is hindering my check cashing needs to be removed and because this has caused tremendous inconveniences and costs regarding the cashing of this check.
Consumer complaint received 2022-12-15
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. (CA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # 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 XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (DC)

I am a consistent shopper on Amazon.com. On XX/XX/XXXX, I was prequalified for an Amazon store card. XXXX, I applied for the credit. Synchrony Bank, then refused to approved me, although my credit meets the requirements for approval, because they then, required me to use a link and upload my identification card and a video of myself. I refused because this is very dangerous and unsecured. This is an invation of my privacy! No other Bank requires this! Everything I put in the credit application was valid and accurate to my credit file. 
Then Syncrony Bank required me to fill out an affidavit on identity & have it notarized by a bank or credit union and fax it to them. I did. 
When I called them to follow, they refused to approve me because they claimed it would take XXXX business days to review my fax. This is not legal and must be stopped. My application needs to be approved immediately. It's been 2 days. This is a form of punishment because I refused to allow them to invade my privacy. 
Synchrony, usually have overstepped your boundaries. 
No company that furnishes information to my credit report has ever been required to provide my identification card nor any videos of me to prove my identity. Therefore, neither should I, the consumer be required to do so. 
Credit approval is not based on whether or not you upload your identification & a video of yourself. 
I did not request, nor do I need any protection, when I accurately provided all information, required to obtain the store card. 
Synchrony Bank, I do not want my likeness saved in your databases. This is not secure nor required for credit. 
Synchrony Bank, I demand that you approved my Amazon Store card or fact legal action. You have XXXX calendar days to comply. By the way, according the Federal Consumer Laws, to be factual, I'm extending you credit. 

Warm Regards, XXXX XXXX
Consumer complaint received 2024-04-03
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Subject : Unauthorized Activity on Bank of America prepaid Account During XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to report unauthorized and fraudulent activity on my Bank of America account during my XXXX from XX/XX/XXXX to XX/XX/XXXX. My account was compromised by unknown individuals who gained access to my account information, passwords, and personal details, subsequently using them to make fraudulent transactions without my knowledge or consent. 

I have submitted multiple documentations and evidence to Bank of America, including medical records and XXXX timeline snapshots which clearly show that I was XXXX  during the period when these transactions took place. Despite providing extensive proof of my inability to carry out these transactions due to my XXXX, the unauthorized activity on my claim is still being denied and reopened by managers who look over the claim and agree with my inability to make these purchases. 

The identity thieves responsible for this fraudulent activity not only accessed my Bank of America account, but also managed to open new accounts, obtain credit cards, book motel rooms, and even purchase a vehicle in my name without my authorization. This egregious breach of my personal information has caused significant distress and financial harm, and I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly. 

I am a victim of identity theft and financial fraud, and I seek your assistance in having bank of America look at the information I sent them showing my inability to make these purchases and re credit my account for these fraudulent purchases. The account was taken over and the passwords were set by them as well as any calls made to Bank of America during this time frame. The items they are using to substantiate thier claim was set up by the identity thieves and I had no knowledge of the activity taking place with my identity while I was XXXX 

Thank you for your attention to this matter. I await your prompt response and assistance in resolving this distressing situation. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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