davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (OR)

My name is XXXX XXXX... Chase please send me my credit card agreement associated with this account. Please note that I would like view and request the arbitration process associated with this account. Please note that Chase does not have the right to sue me as per my card member agreement this agreement has a arbitration clause.. which indicates "if either your or we choose to arbitration, neither party shall have the right to litigate such claim in court or to have a jury trial". No court has legal jurisdiction over this card agreement. Please move forward with giving me more information. Once the process has been requested I will then give you my attorney's information
Consumer complaint received 2017-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX COLLECTION BOUGHT FROM XXXX XXXXL ONE ACCOUNT IN MY NAME. THE ORIGINAL AMOUNT OWN IN THIS ACCOUNT WAS {$2500.00}XXXX XXXX NEVER GIVE ME CREDIT FOR THE 16 MONTHLY PAYMENT. XXXX CONTINUE TO REPORT TO THE CREDIT REPORTING AGENCIES THE AMOUNT OF XXXX. FIRST MISSED PAYMENT WAS IN XXXX. XXXX XXXX XXXX IN VIOLATION OF THE FAIR CREDIT REPORTING ACT IS RE-AGING THIS ACCOUNT TO A LATER DATE XXXX XXXX, XXXX. IN ADDITION XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY REPORTING ADDITIONAL XXXX FOR A TOTAL AMOUNT OF XXXX. I FOUND THE FOLLOWING INFORMATION IN THE FEDERAL TRADE COMMISSION WEBSITE, PREVENT RE-AGING ( INACCURATELY CHANGING THE DATE OF THE FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE ) AND DUPLICATIVE REPORTING, PARTICULARLY FOLLOWING XXXX XXXX OR SALES, MERGERS, AND OTHER TRANFERS. BOTH COMPANY XXXX XXXX XXXX AND XXXX XXXX ARE REPORTING THE SAME ACCOUNT WHICH IS A DUPLICATE ACCOUNT AND IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. BOTH ACCOUNT ARE MAKING A BIG IMPACT IN MY CREDIT REPORT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION ...
Consumer complaint received 2019-08-20
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (CA)

Citibank noncompliance with levy. Now Citibank is Liable for the full judgement in the amount of $XXXX. I filed form EJ-130 with the XXXX  Sheriff back in XXXX and first Citibank was giving the XXXX Sheriff department a hard time and requesting extra documentation and that was faxed on XXXX XXXX containing seal information however it is now XXXX XXXX  and Citibank has failed to comply with § XXXX requires Citibank to respond within 10 days XXXX Sheriff made their request. XXXX & XXXX  from Citibank lied to XXXX  from XXXX  Sheriff onXX/XX/19by saying that they were expediting levy on case number:XX/XX/XXXXXXXX, they gave another fax number XXXX and said that it would be "rushed" but this was a lie Citibank is not complying with the levy request from XXXX Sheriff and now I am asking for the full amount of the judgement from Citibank because of their noncompliance.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NJ)

This bank sent me a mailer trying to get me to open a checking and savings accounts with them and in return I am to receive a total {$500.00} bonus. I read the terms and conditions carefully to confirm that I qualify and emailed them at the beginning to confirm that I qualify. The reason I did this is the promotion required I leave a large amount of money in the account for many months earning no interest. 

The bank wasted my time for 5 months telling me I need to wait for the bonus then finally told me I don't qualify because I had accounts with them in the past. 

When I explained to them that I was a customer greater than 12 months earlier and the terms and conditions clearly state that I qualify as long as it's been greater than two months, the service agents refused to review my documentation or fix their error or credit the missing bonus. 

attached is a copy of the mailer they sent me.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I had received XXXX {$500.00} prepaid cards from my past landlord as part of a lease renewal program. Didn't realize they had an expiration date of XX/XX/21 so I attempted to get them reissued. The cards were being serviced by XXXX. I called them and every time it just says bye and hangs up. I find out later by calling XXXX ( card disclosure said they where servicer ) that they have no information on the cards and that XXXX has closed down ( XXXX also was taken over by another company ). I then called XXXX and XXXX and since they are the brand on the card and they both have no information on the cards. Finally, I attempted to call Fifth Third Bank since the disclosure says they issued the cards ( they also were former owners of XXXX ). In trying to talk with them they said they do not have the cards in their system and would not pass me on to a Supervisor/Manger because I am not a customer and could not be " verified ''. As issuer of the cards I feel the ball is in Fifth Third Bank to make good on these XXXX cards.
Consumer complaint received 2018-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was selling furniture on XXXX and had a buyer for it. He sent me a cashiers check for a larger amount than the offer for the furniture. The buyer told me that the extra money would be for the people picking it up. The cashiers check was for {$2300.00} vs. the amount for the couch of {$250.00}. I went to the bank on XX/XX/XXXX thinking that if the check was not valid, they would not cash it and vice versa. I went to the Bank of America branch in XXXX XXXX, CA and they cashed it in full for me as I was to give cash to the movers picking up the furniture. The buyer than told me there was a change in plans and the movers needed the money before scheduling the move, so I transferred {$2000.00} via XXXX that same evening. I realized later that evening that this was part of a scam and I called the fraud department for Bank of America and had no luck. I went to two different branches and they told me that if the cashiers check turns out to be fraudulent, I would be responsible for the funds. What made me upset about Bank of America is that they were easily and quickly able to identify that the cashiers check was not legitimate as it was missing some information, but the lady that cashed the check the day before did not catch it. They also told me that Bank of America would be quick to discontinue the relationship that I have had with them as a customer for 9 years. The check has proven to be insufficient and my account sits at - $ 2,000+. I have filed a report with the police department, the federal trade commission, and have voiced my situation with BOA a few times. They refuse to help me during this time and made it clear that I was responsible for the money. I do not feel valued nor protected as their customer, and am disgusted at the inconsistent training of their tellers. Had the man I spoke with the very next morning been the one to receive the cashiers check the day before, he would have caught this errors, or had the teller been trained correctly in identifying fraud checks like he was able to, I would not be in half of the situation I am now. I am now being harassed by the supposed buyer, have been through loops to get this resolved or any help, and am furthering this process by reporting to the internet crime complaint center. I mention the steps that I am taking so that you can understand that I was a victim of fraud and did not know this until after cashing the check and transferring to them unfortunately. I am trying every source that I know to help rectify the situation, and BOA will simply not help nor protect me in any way. I have attached pictures of the cashier 's check and have further documentation via text messages and emails regarding all communication between myself and the fraudulent buyer, as well as the email that they had my transfer the money to. I can easily supply this communication from texts and emails when requested, as this is captured through multiple screen shots.
Consumer complaint received 2022-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/2021 I applied for credit at XXXX XXXX XXXX and I was denied. I inquired with sales rep as to why or if there was any statement. He gave me the slip and said I'd here from a Synchrony Bank. 

I received a letter 2 weeks later stating the reason I was denied credit was due to previous unsatisfactory account. 

I was floored as I didn't have a number to call only an address on the letter. However I started referencing every synchrony number until I was able to find out there was an account with a Care Credit that had been fraudulently established. 

I had to contact synchrony ASAP so I then faxed over the documentation ( FTC Report and Police Report ) explained to them what had transpired and this was one of several fraudulently established accounts. 

I requested it to be removed as I've since provisioned severed protocols of protection on all XXXX CRA 's with security freezes and security alerts. 

I proceeded to request in receiving the documents to verify that consideration be taken and that Synchrony Bank would not prohibit me the real ( XXXX XXXX ) from establishing accounts.
Consumer complaint received 2020-11-23
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. (TX)

XXXX  XXXX XXXX  should not be reporting to XXXX  ; Experian and XXXX  that I am ( XXXX ) days late on the XXXX  XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account is on auto-pay and therefore there has never been a missed payment. I have attached a copy my account payment history for reference. This false reporting of lates is seriously harming my credit score and these line items need to be updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-01-05
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. (FL)

I HAVE A FRAUDULENT ACCOUNT REPORTING ON MY CREDIT REPORT FROM XXXX XXXX XXXX. I DON'T RECOGNIZE THIS COMPANY AND I HAVEN'T DONE NAY BUSINESS WITH THEM.
Consumer complaint received 2017-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NY)

I received a letter from Diversified Consultants, Inc dated XXXX/XXXX/XXXX attempting to collect a debt from XXXX in the amount of XXXX. This is the second attempt from a company claiming to be debt collections based on a debt I DO NOT OWE because after the first attempt from XXXX XXXX XXXX, I had already confirmed with XXXX that NO such debt exists. Diversified Consultants, Inc kept trying to call me multiple time daily over the past month until finally on XXXX/XXXX/XXXX around XXXX XXXX I returned their call. I tried to explain to them that the debt is not owed but they were adamant that it was and offered me a settlement offer ( only if I gave my card information over the phone ) at a bit of a discount. When I refused, the person at the other end of the line became hostile, pressuring me " Why? Why not? '' and although profanity was not used, the tone changed and he became quite unprofessional, going so far as to mock me for saying that I wanted to be able to pay the settlement price online, stating that it can only be done over the phone. I only asked to test this person, but I am confident through my conversations with XXXX that I have no debt. I have paid all my debt through XXXX online, promptly, since I can remember. 

As an aside, each time they call they NEVER leave a voicemail and always call from different numbers. Even though the number stated on the bill is XXXX, I have received calls from the following ( to name a few ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (FL)

Loan Depot XXXX LLC. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX We tried to make a substantial loan payment. We were sent wire instructions, went to our XXXXXXXX XXXX, wired funds per Loan Depot wire instructions to their XXXXXXXX XXXX XXXX Account. Funds were received on XX/XX/2021. Loan Depot , LLC refusing to accept funds, tasking us with undue hardship and further financial burdens. We have refused multiple ways to send a substantial payment on our recently acquired mortgage. This is a criminal act and against any and all documentation received during loan process. There is no early pre-payment penalties. We have no way to make a substantial payment against our mortgage. Loan Depot is unjustly charging interest on a payment we have made, that they refuse to accept, per their own process and instruction. 
We seek damages for any and all interest, serious undue hardship and our funds have been in limbo for now 5 days. Loan Depot , LLC loan practices are now illegal, and we seek any and all remedies from this Bureau and the multiple Attorney General Offices of the United States of America, Florida and Texas.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

On or about XX/XX/2021, I learned of a company called Coinbase. Through them, one could buy parts of Bitcoin. After registering with them, providing driver 's license scan, self-portrait, Social Security numbers, and bank account numbers, I sent {$100.00}. a few days later, I Sent another {$100.00}, for a total of {$200.00} a few days later. 

About one week later, I was no longer able to get into my account. The company has a help phone line which is unmanned and through which one can only report possible fraudulent activity. I have filed several reports, and find a lot of XXXX complaints about the company. Apparently I am not the only one that's getting built on these things. 

They are traded on the XXXX XXXX as of XX/XX/2021 ( symbol is coin ) Apparently, a case number is automatically assigned when you call. I have several case numbers. In each of their responses, they wanted to know the same information that I keep sending them. They act interested and state that they will get back to me as soon as possible. As of this date, I have not heard anything from them. I am unable to get into my account and can not get my money back. 

Their canned response to each of my emails shows that nobody seems to be reading them and I am probably being addressed by a computer. The instructions they send tell me to change my password and login again but the problem with that is then the site tells me that I have an invalid email or password. It invites me to change the password if I have forgotten it, which I have not. Clicking on the forgot password icon takes me to another useless exercise in changing it and then finding out that it still doesn't work. 

XXXX XXXX XXXX complaints are numerous, and in XXXX complaints about this company one sees hundreds of similar cases. 

All documents are emails and are not included here
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (CT)

In XXXX I got XXXX timeshares with XXXX XXXX, I became unable to maintain this account and got notice that the properties was going to beforeclosed. And that I had a chance to surrender it, so in XXXX I surrendered the properties back to the resort. Since then I have fought to remove this off my credit report its 10 years later. The originator collector was XXXX and over time they have given this account to different collections agencies and saying that it originated in what ever year it is which is not true so right now it is with Meridian and I have disputed this over and over. Please help me remove this problem, I have all email correspondence from XXXX. Each listing is thousands, how is it if you surrendered it back to the resort years ago that you still are fighting years ago. XXXX XXXX XXXX Last reported XX/XX/XXXX {$2900.00} Open balance XXXX XXXX XXXX XXXX XXXX I Original creditor XXXX Opened XX/XX/XXXX ( 3 yrs, 7 mos ) MERIDIAN FINANCIAL SERVI Last reported XX/XX/XXXX {$2500.00} Open balance XXXX XXXX XXXX XXXX XXXX I Original creditor XXXX  Opened XX/XX/XXXX ( 2 yrs, 6 mos ) MERIDIAN FINANCIAL SERVI Last reported XX/XX/XXXX {$2100.00} Open balance XXXX XXXX XXXX XXXX XXXX I Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 5 mos ) MERIDIAN FINANCIAL SERVI Last reported XX/XX/XXXX {$1800.00} Open balance XXXX XXXX XXXX XXXX XXXX I Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 0 mos ) MERIDIAN FINANCIAL SERVI Last reported XX/XX/XXXX {$1800.00} Open I only had two timeshares that were surrendered back in XXXX and this is what they keep doing these accounts were originated in XXXX obtained.
Consumer complaint received 2018-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I have never done business with National Credit Adjusters. I do not have a signed contract with National Credit Adjusters. I am not liable for this debt from XXXX XXXX XXXX. I have never done business with XXXX XXXX XXXX. On XX/XX/2018 I contacted National Credit Adjusters to validate the debt that they were claiming I owed. National Credit Adjusters sent a copy of another person 's files. When I pointed out their error they sent me a letter stating that they will validate my account and they still have not. This is my second request for National Credit Adjusters to provide me with an correct account validation. If an correct account validation can not be provided then National Credit Adjusters must remove their trade account from my credit reports at once.
Consumer complaint received 2024-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I have been making my payments since XXXX. 

None of my payments have been applied to my principal balance, and I had no idea. 

I once paid a lump sum of {$10000.00} towards my loan and that is the only time money went towards my principal. 

So they let people pay in a lesser amount than the interest builds up, and they FORCE you to pay your interest BEFORE you can pay your principal, so you end up just paying your interest over and over without any money going towards your principal. 

I wanted to put money directly towards my principal and they don't allow it until the interest has been paid off. 

It's ridiculous- payers should be allowed to put money towards their principal balance or the interest will remain uncontrollable for them. 

I can't believe this is a federal loan processor. Full on loan shark. 

Here is the description directly from their website : " Can I have my payment applied to interest or principal only? 

No. When a portion of a payment is allocated to a specific loan group, payments are applied to individual loans proportionally to fees first ( if applicable ) *, then to interest, and then to principal. If you are on an Income-Based Repayment ( IBR ) Plan, payments are applied to interest, then to fees ( if applicable ) *, and then to principal. '' Here 's the problem- they make it so you never fully pay off your interest, so the payments ALWAYS go towards interest and NEVER go towards principal.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (FL)

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-02-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (OH)

I received 2 emails and a text from CHIME saying welcome to your new chime account .... 
I hadn't opened this account and immediately phone the company 's " lost and stolen '' area. 

The guy said yes, an account was opened using my EMAIL ADDRESS AND PHONE NUMBER but refused to close it b/c there was a different NAME on the account. 

Although I repeatedly asked him to close it he said he could only do that if I provided my DOB .... and of course after I provided that he said he still couldn't close it b/c the name didn't match. 

I was of course placed on a hold several times while he " checked to find the account '' even though he ALREADY HAD LOOKED UP THE ACCOUNT... 

AFTER 45 MINUTES GOING IN CIRCLES ON THE PHONE WITH THIS GUY he FINALLY agreed he could close the account. I insisted he send me an email stating that and stayed on the phone until I received it. 

FREAKING SHADY COMPANY -- - I SEE THIS HAS HAPPENED TO MANY OTHER PEOPLE. SHUT THIS COMPANY DOWN!!!!!