davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXXI happily went to a local Chase branch to open up a new checking account. As part of the opening I brought in an opening bonus coupon that gives {$500.00} for opening new account with

Chase. Who knew this would turned out to be a disaster, the very next day Chase closed my checking account ALONG WITH ALL MY EXISTING CREDIT CARDS. I have not done anything to the account at this point other than initial funding of the account. I suspect two reasons for the closure. 1 ) Chase simply does not want to pay out the opening bonus. 2 ) I was targeted as a minority and the banker had flagged my account. I had a College Checking with Chase before and at the time I did not open with a bonus coupon and the banker was a minority himself. A closure did not happen then and I had it for a long time until I grew out of the account. There has been no other reasons I can think of that would justify the closure of my accounts. I called Chase
on XX/XX/XXXX and they refused to state the reason of closure, which seem even more suspicious as they can't even come up with a legitimate reason for closure.

I've never seem such outright discrimination from a financial institution as Chase. I am truly disappointed as I was trying to expand my banking relationship with Chase and they did it.
Consumer complaint received 2021-01-26
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

Hello. 

I was not able to refund some merchandise back in AZ in XXXX when COVID worsened. The merchandise has tags, and not worn. Plus, I had receipt but the manager would not accept my return. I was trying to close my account but couldnt until I was able to payoff the debt by returning the merchandise that I didnt want no more. Also, they said they would removed the {$200.00} in fees they assessed durning COVID. I was told I would be enrolled into a COVID program but then I wasnt. I had spoke to a higher up representative at XXXX and he returned my {$200.00} fees but now they have been reversed. I just want my account closed and at {$0.00} balance as I was promised in XX/XX/2020 2020
Consumer complaint received 2016-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ORG GC GP BUYER, LLC (FL)

GC Services is handling my defaulted student loan. They will not come up with a repayment plan without asking me for detailed financial information, to include my most recent pay stubs and tax returns. They were talking about wage garnishment or a monthly payment in excess of XXXX-XXXX dollars for something called a Loan Rehabilitation. Their phone calls are non-stop and from several different telephone numbers. 
I want nothing more than to get this back on track as it is killing my credit rating. I am sufferning over this but really want to settle on a reasonable monthly payment, not what feels like a car payment. 
I have XXXX young children and many expenses, including a mortgage that is nearly XXXX dollars a month. The monthly payment I had before this went to GC would be affordable now. I wish there was a way to agree on a reasonable payment without handing over all of my financial information.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Equifax is reporting XXXX XXXX XXXX this was paid in full they sent me the title to my car 4 weeks later and I sold the car 4 months later with a clear title. Then I fine XXXX XXXX XXXX saying I owe them money that is impossible I paid this and already sold the car. Please help me get this deleted
Consumer complaint received 2022-02-12
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc (WI)

I took out a loan from XXXX XXXX XXXX in person located in XXXX, Wi. Shortly after I took the loan I became unable to pay them. This first started harrassing phone calls from them it got so bad I had to reach out to someone to have them quit calling me and they stopped, then they called me by phone again after they were told to stop either by your company or another consumer place I am unsure on who helped me get them to stop calling. 

So, a few years after all the calling went away I received a paper in the mail that said I could pay them off for a lesser amount then I had taken out ( a settlement offer from a company they hired to collect the debt from me ). I finally had some money to use towards debt and paid the amount offered in the settlement letter in the amount of {$210.00} I still have the document and the confirmation number as well as the person that took the payment and told me that this debt would be removed from my account within 30 days. 

About a week after I paid the debt in full as offered by the company XXXX XXXX XXXX hired to collect from me all of a sudden I started getting new amnts owed put on to my credit report from XXXX XXXX XXXX saying I wowed them XXXX plus dollars and making my credit score fall low i did a dispute and asked the credit Experian to have them remove that from my report because I have paid them in full. It was removed, less then a week later here XXXX XXXX XXXX comes again adding comments and dollar amounts to my credit report after they were told by credit Experian to remove the dollar amount this has gone on for almost 4 months because they keep adding comments and dollar amounts to my credit report my score is falling and i and my elderly mother are facing homelessness because my score keeps getting knocked down we are trying to find a place to live because my landlord has to sell his home and every single time i dispute XXXX XXXX XXXX they are told to take it down off my credit and then less then a week later that back at it again. This needs to stop and XXXX XXXX XXXX needs to be penalized I will take this matter to court if I have to I've reached out to the better business bearua, credit bureau, and the do not disturb phone line and I still keep getting harrased and threatened with dollar amount I do not owe. Total debt i owed was XXXX and I took the offer they asked the collection agency to offer me and I'm still being harrasssed. their has to be laws against this behavior especially being able to get into my credit report and contiounsly add things i have disputed this matter with the credit places XXXX, XXXX. at least 20 times... ..20 times!!
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XXXX XXXX my bill did not go through TOYOTA MOTOR CREDIT CORP - account with 1 missed payment. I am kindly requesting TOYOTA MOTOR CREDIT CORP to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2017-03-06
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (UT)

I am a short sale negotiator for this loan, which is in bankruptcy and they are required to only have that department speak with me. And so the problem is that vendor is not answering their phones or calling to give updates on the file. An appraisal was completed over 3 weeks ago and there has still has not been a response. I have also requested in writing for the name of the investor and they have not responded or provided me with that information as well. There could be foreclosure sale and we would have no idea.
Consumer complaint received 2021-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (GA)

I am asking for this debt to be removed for a number of reasons. I was never given the right to dispute the validity of this debt. Even though I wasn't given that right to dispute the debt, I have paid the debt in full, the creditor promised a XXXX balance letter which i have not received and the debt is still showing recent and repeated derogatory reporting 's to date. As a result, I would like this matter to be investigated and removed from all credit reporting bureaus immediately.
Consumer complaint received 2016-05-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Fenton & McGarvey Law Firm, P.S.C. (KY)

Was sued by a debt collector on behalf of XXXX Bank. ( sale of portfolio is attached ) Debt is in someone else 's name - common due to the nature of XXXX record keeping - and also robo signing documents - I have judgement lien with XXXX different names. ( attached ) Garnished wages to the tune of XXXX XXXX dollars. Destroyed my credit report as well - Here in Kentucky the attorney general has the settlement with XXXX and monies paid ( it will be attached also ) My lawsuit is within the settlement time stated in the settlement with the state.
Consumer complaint received 2016-10-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (CA)

I have enrolled in Sallie Mae 's interest rate reduction plan to help alleviate some of the financial hardship. Sallie Mae then inaccurately reported that I was 60 days past due to the credit bureau that they report to.
Consumer complaint received 2017-02-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: STONEGATE MORTGAGE CORPORATION (IA)

In XX/XX/XXXX I requested the name of the foreclosure attorney and a reinstatement quote. I took more than XXXX days to receive the reinstatement quote and I never received the name of the attorney. I faxed a XXXX page loss mitigation package on XX/XX/XXXX and I have a fax confirmation showing the transmission was successful. I called Stonegate on XX/XX/XXXX and was advised they never received the information and they have no obligation to search their records to locate the documents.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I contacted wells fargo in regards to my account being negative {$350.00}!! which was the same amount that was equal to the deposit i made, I spoke with a rep explained to her what happened and that the rep i previously spoke to filed a claim in error! i never requested a claim for the same amout of money I deposited!! I spoke to a rep on Monday XX/XX/year> she placed me on hold for a few minutes then came back and confirmed that it was a mistake on their end and that the account would return back positive within 10 businessdays!! I was very upset because this is causing alot of inconveiences for me due to my account that i use for everything all my bills etc. by being negative!! i cant do anything!! cant rent a car for my work trip, can't pay my new credit card funding deposit which i set up a scheduled payment for XX/XX/year>!! the rep transferred me to someone XXXX explained to the second rep on the phone the inconveience they are causing he simply apologized and told me he expedidted to the dept. who will correct my account and that it can take up to 10 business days before they correct my accont, The account has still not been corrected and im unable to take care of important obligations!! i need this fixed immediately! this is not my fault at all it was their mistake and this is wrong!! i need a car for work cant rent a car dueto my accountbeing negative!! please fix this immediately.
Consumer complaint received 2023-03-28
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. (FL)

I notified XXXX XXXX XXXX XXXX that I want verification of the debt they state I owe by providing the following : - ( actual accounting of mortgage loan debt ) from date of origination of loan to current date -verification of the claim against me ( an invoice signed by the mortgage bank ) -a copy of the original contract binding both parties ( XXXX XXXX XXXX and mortgage bank lender ) -signed contract stating I agreed to pay what they state I owe - how this amount has been calculated in a way that I can understand -full disclosure statement that was provided when loan was originated which outlines -equal consideration and lawful terms and conditions XXXX provided the name of XXXX XXXX XXXX XXXX XXXX XXXXXXXX as the owner of mortgage. XXXX, XXXX has not provided all of the information I requested regarding this debt. This company continues to report this information on my credit report without providing its validity after I informed them in writing that I dispute this debt. They are in violation of Fair Debt Collection Practices Act 15 USC 1692 ( a-p ).
Consumer complaint received 2018-05-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IL)

In XX/XX/XXXX I was charged {$4000.00} in NSF and overdraft fees, at Chase Bank. 
Since XX/XX/XXXX it was a total of {$7000.00}.
Consumer complaint received 2016-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (KS)

I paid a debt with this company a couple months ago and it still listed on my credit file as I owe. So I disputed it and all three credit agencies stated they verified and I owe. This is inaccurate information I want it removed completely.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (UT)

I have a Chime checking account with an XXXX email. However, I have been receiving emails from Chime through my XXXX that are in someone else 's name ( e.g. 'Welcome to Chime, XXXX XXXX ... My name is XXXX XXXX ). When I attempt to login with my XXXX account ( even though I did not sign up with this XXXX account personally ) any passwords I use do not work and when I attempt to recover the password it sends a verification code to a phone number that is not mine. I then try to login with the XXXX email that I originally signed up with and i select " forgot password '' and Chime responds with " There was an error attempting to reset your password, please try again ''. I have called Chime Customer Service and I have tried to select ALL of the XXXX options and none of the options work. It just says " that was an invalid selection, please try again ''. There is XXXX options to speak to anyone and their automated service doesn't work. You just go around in circles. I have had transactions that I do not recognize in my account, I have had my balance reduced without any transactions taking place, and I continuously receive notifications for " XXXX '', someone that I do not know. I am very concerned that there is nobody to speak with about my issues but furthermore, I am concerned that someone has used my information to set up an account for themselves and all of this activity is wrongly reported to creditors. Please help.
Consumer complaint received 2016-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My problem started when my loan was sold to sls from residential credit solution. I applied. Modification loan and they denied it in XX/XX/XXXX. Which reasons are not cleared to me why my application was denied. Then a week later I received a Deafault letter with so many extra charges. When I called somebody said the extra charges are for escrow and To me an escrow charge is only when buying a new house. I paid the amount though it left my family in debt. But in XX/XX/XXXX i received again a default letter stating my account is in default again for not payment even i sent money in XX/XX/XXXX, I called 3 days ago, some name XXXX told my wife that our monthly payment is already been increase to {$3400.00} instrad of {$1500.00}, which was sign by me from our previous mortgage. Apparently because they took over paying my property tax they charge extra {$15000.00} in advance every year. I told them that I could pay my own taxes and I theres a way that I will pay it myself, instead of them paying it without any sign aggrement between us. She Said no, they will keep paying it and willl charge my account XXXX every year. & will be collecting them in advance by adding {$1100.00} every month on my monthly payment .and I was advise to apply a new modification loan again to which I am not sure they willl approved me. I am afraid that this company is ripping us off and eventually will foreclose our home because of all the additional charges on my account which is not affordable .We can not afford to make a payment of {$3400.00} every month when our contractual amount is only {$1500.00} I hope you can help Us. Thank you very much
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

They wont let me close my account after I have contacted them about identity theft. They said, my replacement cards were sent out without my actual consent and then it was sent to someone elses address. Charges on my card were not all mine. They never let me pay on my bill because I couldnt verify myself after my information was changed? I just want my account fixed and closed.
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: WESTERN MASS CREDIT CORP. (CA)

Several years ago I received in the mail a notice from the XXXX XXXX XXXX for a delinquent debt for a XXXX account. I have NEVER used XXXX. After speaking with a XXXX representative, I was told to email a copy of a completed FTC Complaint and a photo ID to remove the debt from my name. I emailed both of these items to XXXX. This month, about 3 days later, this SAME collection is showing up on my CREDIT REPORT. I have contacted XXXX yet again and was told this account has DIFFERENT social security number affiliated with it. In order to have the collection removed I was told to AGAIN fax a copy of my FTC Complaint, a copy of my credit report, and a copy of a police report showing that I reported this incident. I faxed all of this information to XXXX six days ago and received a fax transmittal confirmation. I called XXXX billing department this morning and was told they have no recorded of receiving this information and that it could take up to 2 weeks so I just needed to be patient. I am incredibly doubtful that sending the same information to XXXX as I did 3 years ago will cause them to take any action towards removing this fraudulent collection from my credit report. I have exhausted all resources I possibly can to clear this up and the Company again is refusing to act. I am attempting to purchase a home and this collection has SERIOUS NEGATIVE IMPACT to my credit score. XXXX is costing me money, time, and effort and there is nothing it seems that will make them take action.
Consumer complaint received 2024-01-31
Product: Credit 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 (CT)

I was traveling from XXXX back to the US on XX/XX/17. We went to a gas station to top off the rental car tank. No one spoke English well. The attendant at the gas station told my partner his card wouldn't work, so we used my card. He later found a charge for the same amount. Fortuantely for HIM, HIS bank reversed the charges. Unfortunately Bank Of America is a bunch of crooks. If I paid {$1500.00} in US dollars for gas, I want the gas I purchased that I OBVIOUSLY did not receive. The only other time I used the card was at a XXXX kiosk in the airport. Unless two slices now cost {$1500.00} US dollars, I was ripped off. 

BANK OF AMERICA IS STEALING FROM ME AND I CAN NOT AFFORD THIS. I AM NOT RESPONSIBLE AND SOMEONE HAS BENEFITTED BY STEALING FROM ME.
Consumer complaint received 2021-11-29
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: SYNCHRONY FINANCIAL (PA)

Hi I reached out to SYNCHRONY BANK because I recently checked my credit report and I noticed there stating I have a outstanding balance of {$1400.00} from the date XX/XX/2021 I have no knowledge of and this is fraud.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2016-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

I own a home that is in foreclosure and wells Fargo holds the note.The bank agreed to a short sale postponing a bank sale date.My real estate agent contacted the bank ( wells Fargo ) with a contract to sell the home ( wells Fargo ) never responded and now there is another sale date set how can this be when all along they have agreed to a sale and without notice they have changed course and left us with a unproductive result and a sign contract for purchase they were agreeing to.
Consumer complaint received 2015-05-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

XXXX reported me paying a loan late 90 to 120 day. The loan was taken out with them and my truck was used as collateral. The truck was vandalized and salvaged by my insurance company and they were sent a check to pay off the amount. The check was XXXX short and the loan had gap insurance on it so the XXXX filed a claim and advised me they would notify me with anything further and they never did until they sent me to collection were I paid them because they never sent me or called me to notify me that the gap claim was denied.