davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MA)

TL : DR Chase provides preferential treatment to customers who communicate with Chase via telephone. 

I has recently contacted Chase regarding an issue on its website that made it difficult for me to write short messages to Chase regarding problems with my account and with the use of Chase 's service that the bank advertises and makes available to other customer.

As you can see from the attached response from Chase, one of its representatives informed me that Chase will not be able to address my issues unless I contact Chase via the use of a telephone service. Chase had never described to me what specific information it needs from me that I can only provide to its representatives via telephone. The only explanation that Chase had was that its employees who support information technology services are not able to communicate in writing nor via electronic messaging systems nor via United States Postal Service.
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I already got the XXXX XXXX XXXX BILL FIXED but its still showing up on my credit score as if Im Im negative XXXX- this balance needs to get cleared already because consumers are looking at it & it looks like XXXXm negative and cant pay my bills & causing me to get denied every bank account. please fix this As for Bank of America someone stole my debit card and my loving information and accessed my online and made fraudulent purchases on my account and this too is causing me from opening up a bank account
Consumer complaint received 2017-10-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I have reviewed my Credit report and found several account unrecognized items from your officeXXXX XXXX XXXX # XXXX, # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc.
Consumer complaint received 2017-10-07
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. (OH)

I have try to solve this for some time now, with XXXX and Experian, XXXX XXXX took the time to investigate and remove all negative fans charges for my credit report. 

Turns out that my brother open credit cards and other accounts in my name for several years while I was living overseas. When I return last year I try to fix my credit report for months only XXXX XXXX took the time to investigate. 

I do never open accounts with the following companies, all account I have are up to date with XXXX balance. 


XXXX XXXX XXXX XXXX XXXX XXXX 142 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 197 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX I XXXX {$4000.00} {$0.00} {$0.00} XXXX XXXX $ XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX I XXXX {$0.00} {$0.00} {$1100.00} XXXX COLLECTION ACCOUNT {$1100.00}
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (PA)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX AUTO Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (MI)

In XX/XX/2000 I had XXXX security installed due to a XXXX XXXX. Immediately every sensor faulted And the system was bypassed allowing my XXXX and his friends access in my home. Somehow they hack the system my garage was robbed my grandson seen them in the home. I called XXXX several times explaining this to them telling them I didnt want to service it wasnt doing what it was supposed to do which was protect me my XXXX is a XXXX XXXX. Finally in XXXX they agreed to remove the equipment that I had been making installment payments on and refund what I had paid for the equipment. Three supervisors promised me a refund. In XXXX I received a voice message saying I would not receive any money so they retrieved the equipment and kept my money. They did refund me the monitoring fees. I contacted PNC within days of that voice message trying to get them to dispute the charges to get my money back we were in the pandemic I couldnt get into the bank so I was doing it virtually but apparently none of their employees actually filed the dispute. So when I finally got through to somebody else they said it it was beyond their timeframe for disputes which was either 60 or 90 days. So PNC will do nothing either. Bottom line is Im out almost {$1800.00} I have XXXX I have been XXXX XXXX and XXXX XXXX damage has been done to my home I have suffered over gear a continual XXXX and being XXXX on top of what I live through for XXXX years. Every account I have it he has access to because he has access to my phone which is another complaint I will be filing against XXXX. He is determined to XXXX XXXX XXXX and he is getting away with itI have to leave my home of XXXX years the home I raise my children in from when they were born.
Consumer complaint received 2019-10-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CT)

In XX/XX/2019 I closed on the refinance of my home loan.The mortage broker sold my account to a new loan servicer, Amerihome. Along with that I was able to skip a payment to my new loan servicer. I made the first payment to Amerihome Mortgage in XX/XX/2019. Before I could make a second payment, I received word that an escrow analysis had been done and I was approximately {$680.00} short and my payment would be increased XXXX starting in XX/XX/2019. My current mortage payment is XXXX. I want to mention that beforeI refinanced, I had changed mortage insurance due to rising costs and had a rate I was comfortable with. Also my state property taxes decreased this year. So the shortage was not due to takes or insurance increases. According to customer service, the shortgage is due to their requirement that I have an escrow extra reserve. Amerihome states I can pay the amount upfront if I do not want a higher mortgage payment, Otherwise I will pay a {$56.00} higher monthly mortgage payment for a year. I was also informed if I request, I can spread the repayment amount over 4 years. I am wondering if this escrow shortage is vital, how could replacement be dispersed over 4 years? I am wondering also if it is common practice to complete an escrow analysis on a new customer? I feel like Amerihome examined customers escrow who have a lower monthly payment and interest rate and reasoned that there is room for increase. I had a rough period 3 years ago with my mortgage payment. It helped my to refinance to a low interest variable rate for a while. I have now finally refinanced back to fix rate to what I thought was a comfortable payment to have it increased in less than 2 months? During my rough period I had XXXX as loan servicer. I am concerned to discover that they are associated with Amerihome. I went through the closing process, all the costs were calculated before the documents were signed. How could a loan servicer do this to a new customer and more importantly, they should have performed an escrow analysis before buying my account and possibly declined, to help prevent a situation such as this.
Consumer complaint received 2024-03-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC. (AZ)

A loan was taken out in my name for a vehicle I didnt not authorized the vehicle was repossessed I have no knowledge of this transaction bank has refused to provide me with validation of this loan and they have tarnished my credit by butting it on my credit report and I also filed for fraud against all of this and they are refusing resolution I never signed any paperwork to be the borrow of this loan or gave verbal consent this bank has committed Fraud on a auto loan against me for XXXX in XXXX of XXXX  and refusing to provide me with verification that I authorized anything identity theft is what I am claiming
Consumer complaint received 2017-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

I have my loans with XXXX. There have been multiple times that my payment has been removed from my account but not showing as paid on my account for a few days. Other times I have had direct deposit turned on and the payment never went through, pushing my payment info being overdue and one time even applying for forbearance for me ( I had the money in my account and direct deposit turned on ). The times the payment never went through, they show an overdue warning and suggest direct deposit. I have reached out to them by email and have not received any responses. 

Their site is confusing and payments never seem to go through on time. I have very little confidence that my loans are being handled properly. I feel trapped and worry that my account will become delinquent without my knowledge, even though I am able to make my payments and have direct deposit turned on.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I pulled my credit XX/XX/XXXX, I noticed that I had inquires that I did not authorized at all. I have called, fax and sent certified letters as well to Equifax and have gotten nowhere with them. I have agreed to put fraud alert on my credit, they still give me the run around. They just do n't care about anything, I told them my credit means everything to me and I want those inquires removed. They told me they will not remove them. I need your help because I value my credit and need it to survive because everything in life is credit driven. I just re- pulled my reports today and nothing has changed on my credit reports. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-10-07
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. (MO)

XXXX XXXX refuses to remove an account from my report even though the reporting company ( XXXX XXXX XXXX ) has agreed the information should be deleted and has submitted a request to all 3 agancies to do so. I have disputed the item multiple times but XXXX XXXX refuses to correct the problem. 

The other bureaus have already deleted the item.
Consumer complaint received 2019-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

We opened a Wells Fargo Checking Account on XXXX XX/XX/2019. WF Bank had an offer of {$400.00} Bonus credit to the account if direct deposits totaling at least {$3000.00} were deposited into the account in three consecutive months, within 150 days of account opening. The offer said the bonus would be credited within 45 days of meeting the criteria. Account had to be open with at least {$1.00} balance on the crediting day. 

We have met all the requirements. In the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, our pensions totaling in excess of {$3000.00} was credited to the account, the last credit being on XXXX XX/XX/2019, This meets the criteria of three consecutive months of direct deposits of XXXX each within 150 days of account opening. So the criteria were met on XXXX XX/XX/2019 and the bank should have credited the bonus within 45 days which was XXXX XX/XX/2019. So far the money ( {$400.00} ) has not been credited. 

We have communicated with the bank via their online message portal. They contend that irrespective of when the third consecutive direct deposit is credited, they will count 150 days from account opening as the date the criteria are met, and then will take another 45 days to credit the bonus amount to the account. Their specific response was, " However, the account has not yet met the 150 day opening date timeframe, which is XX/XX/2019. The bonus will be deposited into your new checking account within 45 days of meeting the offer requirement. '' We have responded that the 150 days is the limit within which the 3 direct deposits have to be made, but otherwise has no bearing on when the offer criteria are met. The bank maintains that the bonus is not due until 45 days from 150 days irrespective of when we meet the " 3 consecutive direct deposits of {$3000.00} each '' criteria.
Consumer complaint received 2022-03-10
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. (NY)

I submitted a complaint to XXXX XXXX on XX/XX/XXXX. 
I followed up with a phone call on XX/XX/XXXX to attempt to speak to someone regarding late fees due to COVID and improper management of my account. I spoke with someone and they could not access my account or even find t with providing the account number. I was placed on hold and then forwarded to " a specialist '' who said that the persons screen froze and they could not seem to locate me or my account ( even with providing the account number ) I was then told to hold on as I was being re-routed to the proper department where I was on hold for 35 minutes - NO ONE PICKED UP THE PHONE. At this point it is clear that XXXX XXXX does not have interest in addressing the COVID late fees associated with my account. They can simply be waived and my credit score can then go up so I may purchase another vehicle. 
I am the co-signer XXXX XXXX, a veteran of the XXXX XXXX and XXXX XXXX XXXX XXXX. 
The account number is XXXX, XXXX XXXX XXXX. The account is current.
Consumer complaint received 2018-03-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (VA)

On XX/XX/XXXX, Midland Funding LLC, served me for a Judgment hearing on XX/XX/XXXX. They served the paperwork to my old address ( which a change of address was filed XX/XX/XXXX, and updated at the XXXX on XX/XX/XXXX ), not my current address. I also was not contacted before XX/XX/XXXX, when they served the notice for a Judgment hearing, and after receiving the notice, attempted several times to validate the debt with them on several occasions. 

On XX/XX/XXXX, I attended the Judgment hearing, which no ruling was issued. Midland Funding 's   representation stated several times during the hearing that they had contacted me via certified mail, but failed to provide any proof of receipt. No ruling was issued at the time the court entered recess. I had contacted Midland Funding several times afterward ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), with each time the associates I spoke to at Midland Funding either hanging up or placing me on hold for over an hour, after I asked about getting some kind of payment plan setup or asking if they could work out a settlement on the debt they stated I owed ( but refused to validate ). 

On XX/XX/XXXX, I got notified by my employer ( XXXX XXXX XXXX ), that they had received a garnishment notice. I contacted my HR department as soon as I was notified, and found out that Midland Funding had gotten a garnishment for {$XXXX}. I immediately attempted to contact Midland Funding. I spent 50 minutes on hold, during my lunch break, before being hung up on. I attempted to contact them back on XX/XX/XXXX, and after spending almost an hour on hold, was told that " We do not do any kind of payment option, we will just continue to sue you until you pay us what we say ''. 

I have made several attempts to communicate with Midland Funding to both validate the debt since and to try to work out an agreement. Midland Funding has provided me with some information in an attempt to validate the debt, however, has redacted any information that would allow me to correctly validate the debt. Midland Funding never validated the debt prior to getting a judgment and is now using the same information to garnish my wages for a debt that they will not validate.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (IL)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2024-03-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC (SC)

I refinanced my house with Rocket a couple of years ago and everything went great and then I reached to get a new home loan because I was going to relocate and everything seemingly went well and then it all went to XXXX. The first Mortgage person I was dealing with went well and then I got re-assigned to another Mortgage broker and that is when things started going downhill. I kept reaching out to this person to get a hardline number as to what my budget was and finally received the information and I started looking and found a place. I made an offer and it was accepted and they received the PA ( Purchase Agreement ) and then I got re-assigned again to someone who was licensed in my state and that is where it went really bad. Apparently, I no longer qualified for the XXXX program I qualified under and then the rocket mortgage incentive for using a preferred agent I was no longer qualified for because of my XXXX, which has not changed since my original approval and the XXXX did not have PMI attached, so essentially Rocket XXXX XXXX XXXX XXXX that I have no choice but to move forward with an astronomical house payment and sell mine because my house is under contract. 
What ever you do, do not use Rocket Mortgage. They did a bait and switch and now I am in a situation where I have no choice but to move forward or risk being homeless. 

I want them to honor the original arrangement because I have all the emails that took place regarding the agreement and I used a Rocket Preferred Agent and Seller. I lived up to my end and made no changes and even paid off additional debt.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

On XX/XX/24, I got an email from XXXX about a new credit inquiry from Capital One on XX/XX/24. I did not authorize Capital One for this inquiry. After calling Capital One, a new credit card account was opened under my name/address/SSN. This was not me, thus fraudulent.
Consumer complaint received 2021-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (MO)

My name is XXXX XXXX and I have been trying to get these collections off my credit report since XXXX of XXXX. Since that time I have sent 3 Certified letters 3 times to ARS, XXXX XXXX XXXX and XXXX. I sent letters because I believe that my HIPPA Rights have been violated because I do not recall giving anyone or signing anything of releasing any of my medical information to anyone. Also, I asked for validation of debt letter and never received anything. Until XX/XX/XXXX ARS sent a collection letter but it has violations on it, according to 15 USC 1692 b 2 and 15 USC 1692 b 5. To this day over 120 days later, and that was the only letter I received. I also sent them an Affidavit about the violations. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I am in the process of getting a home loan and this is hurting me. I am a single parent with XXXX kids trying to make things better for us.