davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (GA)

I originally applied for a business credit card with Chase Bank on XX/XX/2018. I was informed the process could take up to 30 days. Early XX/XX/XXXX around the XX/XX/XXXX I called Chase Bank to get an update. They stated that it had been declined and they could not tell me why that I would have to wait to get the letter. The bank rep stated I should have already received the adverse action letter. I checked and did not receive it at my home or business dress. I called back in on XX/XX/2018 and asked why I had not received the letter and they stated they were not sure and tried to get me off the phone citing complications with their process. I spoke to a man named XXXX who stated that they declined it because they needed proof of my address but would be happy to reapply with me over the phone. I stated that until I got the letter I would not provide any more information and XXXX got upset with me. I asked to speak to a manager and he stated that I could not. I asked to speak to a supervisor and said no one was available and I felt as if he was being hostile. I am very upset that they have not followed the federal lending guidelines and supplied a reason in writing for my declination
Consumer complaint received 2024-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC (VA)

To Whom It May Concern : Specialized Loan Servicing ( SLS ) is using foreclosure as a tool to force us into paying them over XXXX XXXX dollars for a {$130000.00} loan. They are trying to collect on a XXXX XXXX Mortgage by using their lien against our house to pressure us to accept a predatory loan repayment plan. 

Their recent loan modification offer would allow us to end the foreclosure if we : XXXX ) Pay about {$40000.00} in cash up front XXXX ) Pay about {$400000.00} in monthly payments of {$790.00} for the next forty years XXXX ) Pay an additional {$32000.00} at the end of the forty year term We have already paid SLS about {$60000.00} from the time when they acquired the loan, so the total financial loss incurred by this {$13000.00} loan would be a little over half a XXXX dollars. 

SLS has accelerated this loan three times since XXXX ; but they waited until last year to follow through on the threat of foreclosure. 

We would like your agency to investigate the business practices of SLS since we are obviously not the only victims of their predatory schemes, and we would appreciate any assistance you can offer as we continue to fight against SLS and its abusive practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Ive called several times to Bank of America on a XX/XX/XXXX I made a transfer to my credit card account instead of my savings for {$2300.00} I called the 4-5 times requesting my money be returned to me but I was told it fraud protection even though my checking account is with BOA I even called last week and a representative told me my would would be returned today Ive been waiting over a month for my own bank to return funds now I have to wait two billing cycles from my own bank
Consumer complaint received 2021-07-14
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. (CO)

XXXX  and Transunion have both been sent 4 disputes on account that is reporting " derogatory '' that is paid and no history of being derogatory. Ive attached the 4th letter I sent to transunion and the copy of the credit report.
Consumer complaint received 2020-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

I am on XXXX XXXX dollar contest XXXX XXXX is taking money out of my account is done this a couple of times once from XXXX XXXX store in XXXX Maryland and now from a place called XXXX XXXX he took {$88.00} from XXXX XXXX 7 different times then he took {$0.00} from XXXX on XX/XX/2020 and then he took {$42.00} from XXXX XXXX on XX/XX/2020 someone at m & t Bank in XXXX is working with him XXXX New York please go get into this for me
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. Please see this account is corrected : XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX  {$30.00} ; The credit bureau is required to authenticate this account. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please update. this account XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX  {$0.00}.
Consumer complaint received 2021-12-02
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. (NY)

My grandmother passed away last year and her bank sent her a new credit card. But we never got it and received a phone call stating someone spent over {$1000.00} in XXXX or XXXX. They want us to pay the bill for a fraudulent charge on a credit card that was stolen that we reported. Which to this day we are still getting billed
Consumer complaint received 2021-07-14
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: EQUIFAX, INC. (TX)

On my Transunion consumer report I have 3 inquiries that I have no knowledge of the first being 1. Consumer portfolio dated XX/XX/XXXX 2.XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX date XX/XX/XXXX On my equifax I have three also that I have no knowledge of which are 1. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX 3. XXXX XX/XX/XXXX I am contacted you to ensure these unknown inquiries be removed as I have contacted XXXX and equifax also with written identity theft affidavits Also there was an account opened with XXXX XXXX XXXX XXXX that I have no knowledge off also in which I've asked to not have furnished to my consumer report
Consumer complaint received 2018-07-26
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: EQUIFAX, INC. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. Please help me get these items off my credit report so I can move on with my life. I really need attention to this matter as I now have full custody of my XXXX year old son and need to get this resolved. 


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 Equifax : XXXX, XXXX ) XXXX XXXX XXXX ( Equifax : XXXX  XXXX  : XXXX  XXXX  : XXXX ) , XXXX XXXX XXXX ( Equifax : XXXX  ) , XXXX XXXX ( Equifax : XXXX ) .
Consumer complaint received 2020-11-22
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: EQUIFAX, INC. (MA)

Equifax reached out to the US Dept of edXXXX, which has been reported on my credit report since XXXX. Equifax recently provided them with my email address of which I am being harassed. As of today, my FICO score was dropped XXXX  points due to payments on this account not being made. US Dept of Ed, stopped these payments themselves due to the Pandemic, stated in an email sent to me on Saturday, XX/XX/XXXX. 
If the US of ED, stopped taking payments because of the pandemic, why on earth did they report this account 120 days late. 
Also, on XX/XX/XXXX and XX/XX/XXXX, activity by XXXX  XXXX was reported to Equifax, for charges that were pending on my account from a purchase made at XXXX late the evening before. When I called Equifax on XX/XX/XXXX, the representatives stated that XXXX XXXX provided them this information. Under FCRA, card usage done by debtor can't be reported until the billing cycle, mines is the XXXX of each month, yet Equifax had access to my shopping in XXXX, transaction still pending, to which my credit score was reduced XXXX points on XX/XX/XXXX, the following day after the purchase was made. Also, I made payments to this account to decrease the balance, before my billing due date, this information was not reported or updated, nor did it increase my credit score back to the previous score after losing XXXX points. It is also fair to note that XXXX XXXX would not allow me to make a payment, because my transaction was still pending and my balance was still low, too low for them to allow me to make a payment. How did Equifax get a hold to this information? 
Last but not least, XXXX is reporting inaccurate information, has failed to update, information, that the account was sold to a collection agency, when and the amount it was sold for, in addition to providing the name of the new account holder, and keeps reporting this information as verified. on XX/XX/XXXX, I sent a certified letter, asking XXXX to validate this account. It is now XX/XX/XXXX and XXXX XXXX has failed to validate any updated information. XXXX sold this account which means they no longer own the debt, but they are refusing to update my credit report or respond to me directly.
Consumer complaint received 2019-08-16
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. (GA)

Transunion is reporting a fraudulent XXXX XXXX XXXX account on my credit file that was opened on XX/XX/XXXX.Transunion and XXXX  is reporting a fraud account from XXXX XXXX  that was opened on XX/XX/XXXXTransunion is incorrectly reporting that my name is XXXX, XXXX, XXXXTransunion is incorrectly reporting addresses of XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX  and XXXX  is reporting a XXXX/XXXX  account on my credit file that don't belong to meAll 3 Credit Agencies are incorrectly reporting that I was late from XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX  Account, please remove these inaccurate lates.All 3 Credit Agencies are incorrectly reporting that I was late from XX/XX/XXXX to XX/XX/XXXXon my XXXX XXXX  Account, please remove these inaccurate lates.XXXX  is reporting incorrect address:Incorrect Address: XXXX XXXX XXXXXXXX  is reporting incorrect addresses:Incorrect Addresses: XXXX XXXX XXXX  and XXXX XXXX XXXX
Consumer complaint received 2017-12-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (PA)

Refinanced my XXXX XXXX XXXX HELOC on XXXX XXXX with PNC. XXXX XXXX XXXX informed me of a missing XXXX payment. I followed up with boA and explained it was refinanced in XXXX and paid in full and as a result no XXXX payment is due. XXXX  informed me that they received the payoff check from PNC and it was {$100.00} XXXX est ) short so they returned the check to PNC on XXXX XXXX. I called PNC, XXXX the supervisor of the LO I worked with ( XXXX XXXX NMLS # XXXX ) apologized and took full responsibility of the error because she confirmed that she can see in XXXX 's email that the Check was returned and " unlike XXXX 's usual work practices '', XXXX failed to follow up or address the issue and ignored it. XXXX apologized profusely and told me she can not help me get XXXX to reverse the XXXX on my credit report but that she would give me an additional .25 % off my interest rate. I called XXXX and was ensured that due to the mishap, no XXXX would be submitted to the credit bureaus with my promise to pay. On XXXX XXXX I started receiving emails from XXXX that my credit report now had a XXXX. As a consumer I did my part and my credit score is being affected due to the errors of other i.e. PNC Bank. Please help me get this late payment removed from my credit report as it was clearly not my error but the error of a financial institution who was negligent in their normal course of business. In speaking with XXXX, she assured me that PNC takes full responsibility for the error. I also spoke to XXXX XXXX XXXX XXXX direct ) in the escalation department on XXXX XXXX. As of XXXX XXXX, XXXX XXXX has yet to respond to an email or voice mail of mine.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (VA)

I am a citi bank credit card client. I logged in and they offered me a bonus to open a checking account. I clicked on the link and signed up for the account and funded it the min {$5000.00} to get the {$250.00} bonus they offered me. 

Mon, XX/XX/XXXX, XXXX XXXX  XXXX, welcome to your Citibank account Hi, XXXX. Your application is approved - thanks for choosing Citi. If you haven't already, make a deposit into your new account so you can start enjoying fast, easy everyday banking. 
I called in XXXX and asked where my bonus was and the rep told me it would come in XXXX. I called in XXXX and they said I needed to call back during the week to get help, but what was my bonus code. 

I called back today and no help again. 
I am told only a dispute can be submitted but with no code no dispute. 
I dont have a code. I clicked on a link on my log in page. 
This is complete fraud and consumer deception! 
This has to be illegal. No one will help me at Citi. 
All I get is where is your code? 
I did not wake up on XXXX  day XXXX and say lets open a citi savings account today. 
Nice way to treat someone that has been a client since XXXX with the bank. 

The world needs to know that Citi Bank is a company that frauds customers of what they promised and does not care or have any way to escalate a mistake on their end.
Consumer complaint received 2021-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC (IL)

Professional Placement Services has committed identity theft using my information provided to them from XXXX XXXX XXXX. I have never been to a hospital in XXXX  nor have I ever executed any paperwork using my information for XXXX to disclose in the state of XXXX where the claim originates. I live in XXXX
Consumer complaint received 2018-07-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Someone tried multiple times to apply for a XXXX XXXX credit card and it came to my email. So when I check my transunion account my credit score ( XXXX ) disappeared. I called transunion, they couldn't do a dispute because of no score was attached, they said I didn't have any history or anything. So I called XXXX XXXX they send out an email confirming that I didn't apply for anything with them, they're nothing in my name in XXXX   XXXX. and also that is was a fraud alert. I just recieved my first credit card ( XXXX XXXX ) I knew of not to apply for another credit card because I knew that was going to drop my score but someone keep applying on my name. Messing with my credit and now I have nothing. Please help me get score XXXX back pleaseee..
Consumer complaint received 2024-03-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I am compelled to address the concerning actions of Helvey & Associates. It has come to my attention that they have neglected to provide me with proper notice or a dunning letter, affording me the opportunity to contest or validate the purported debt. Instead, they have swiftly proceeded to list the alleged debt for collection. This conduct blatantly infringes upon my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ). Therefore, I assertively demand the expeditious removal of the tradeline from my consumer report.
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NJ)

On XX/XX/XXXX, I received a phone message from XXXX XXXX xXXXX of PNC, she left a number and I called her back.  She was out of the office, so I spoke with another gentlemen who told me  that I never paid my home equity loan for XX/XX/XXXX.  I said that I sent a check (#XXXX) on XX/XX/XXXX and then checked my account online.  My account showed that the check had been cleared and deducted from my account on XX/XX/XXXX.  He put me on hold and then came back and said that it appeared that someone had credited a different account.  I asked if this was a person or an automated process.  He said he believed it was a processing error.At this point, he transferred me to XXXX in loan servicing.  XXXX said it would take a few weeks to credit my account for the amount that had been deducted.  He read some legalese jargon that I asked him to repeat several times because it made little sense to me, the way it was worded.  XXXX seemed to lose patience with me after I asked him to read it to me a third time, much slower than the previous blurted sentences.  I agreed that my information was correct but not with the wording of that disclaimer.  I wrote a check (#XXXX) for my home equity line of credit from a PNC checking account and mailed it with the payment stub provided.  I wrote the account number on the check.   PNC cashed it and then misappropriated the funds to another account, not my own.  XXXX instructed me to pay my home equity loan with another check to avoid furhter complications.  I quickly drove to the local Holmdel branch of PNC and was able to secure a place in the drive thru before they closed at XXXX on Friday, XX/XX/XXXX.  I paid for the second time in XX/XX/XXXX, through the bank teller at XXXX.  On XX/XX/XXXX, I received a letter from ACH Dispute Services stating that “...we have determined no error occurred...” but my account would be credited for the amount deducted.  I checked my  PNC account and it was credited for the amount of $XXXX.  The letter stated that I could call to receive further documentation of this determination.  I called and waited online for an hour before being told that there was no further documentation because there was no error, for the money that was erroneously deducted from my account.  XXXX was very helpful and I told her that I was concerned that this would happen again, simply because your bank claims that there was no error and is therefore likely to occur again (and it did.)On XX/XX/XXXX, I paid my Home Equity loan in the amount of $XXXX.  On XX/XX/XXXX after checking my account online, I noticed that the balance was off by $XXXX.  Looking at my statement I saw that on  XX/XX/XXXX, PNC again deposited the XX/XX/XXXX check (#XX/XX/XXXX) and deducted that $XXXX from my account, IN ERROR (despite their claims to the contrary).
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: SYNCHRONY FINANCIAL (NY)

This company, XXXX - National Credit Cards / Airlines, has shown up on my XXXX  credit report for the past 4 years. I did contact them by mail, but never received a response. I DID NOT apply for credit with this company and each time, it was listed as a Hard Inquiry on my credit report. I am concerned because I have been the victim of identity fraud three times during the past five years. I want this company to remove this Hard Inquiry from my credit report and to stop inquiring about my credit status. I see numerous complaints about this company online, and I hope you can resolve this problem. Thank you for your help.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (CA)

In 2023, US bank cloesd my bank for no reason, then I was told I owed US bank {$110.00} for no reason, this is absurd. And after XXXX year, US bank hired XXXX XXXX to collect my debt, I just don't know what is going on.
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, This is in reference to my consumer report. While checking my consumer report, it came to my notice that your company has furnished an account on my report.

According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you.

Thank you for your cooperation