davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stuart-Lippman and Associates, Inc (VA)

XXXX XXXX XXXX in XXXX, XXXX intentionally denying my Error & Omission Certificate at the time of going into contract with them. Three day after signing a partial contract with this company, I returned to the office to void the contract due to the rediculous demands on the forms and also the manager XXXX who was about to hire me was terminating the agency and their management system and therefore, I quit with him. So, I was advised to submit my resignation letter to them by XXXX XXXX XXXX and I did that within in a month in XXXX 2013 and also submitted only XXXX policy to the management and left the office. Note, my E & O certificate was already submitted at time of employment application and also gave copy to XXXX administrator manager. Now, six months later XXXX agency in XXXX sent me to collection and asking for a debt amount of {$920.00} for E & O charges I did not pay to the agency simply because I sold XXXX policy and made commission and they also made money on the policy too. But they do n't want to honor my E & O certificate. I tried reached out XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and General Mgr XXXX XXXX by emails and even office visit to resolve this issue. They did not even look at my face and my credit report is been abuse by these agencies. All attempts did n't work out and I feel that they are discriminating against me. I tried XXXX XXXX collection agent in XXXX to resolve the issue. The manager XXXX XXXX XXXX refused and said, my E & O coverage requirement should be {>= $1,000,000} liability coverage and therefore they wo n't accept mine. So I requested them to send me a copies of E & O which XXXX agency paid in my absence of terminating their contract. It took the collection agency about three months to provide me copies. When I received those copies and reviewed it, I found out that they even have cheap liability coverage compare to what I have originally. So I asked XXXX and his representative XXXX XXXX ; why XXXX lied to me that they need XXXX liability coverage? Whereby XXXX coverage did n't come close to what I have, Why XXXX refused to honor my better E & O certificate and asking me to pay something they did not bring to my attention before when I was in the office? XXXX replied he was sent to collect a debt. Then I answered him so you were sent to lie to collect debt if so then I think we have to go court for the judge to rule this. He responded I can do so.
Consumer complaint received 2016-02-10
Product: Other financial service — Money order
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO. (NY)

My husband and I sent 2 US postal service money for a payment to the XXXX in the amounts {$350.00} and {$200.00}. 
The checks never got there. 
Someone intercepted the money orders, re-wrote the information with his name and cashed it. He deposited it in a Chase bank account. 
US postal services money order inquiry gave me the information ( PS form XXXX ). 
Nobody wants to take responsibility for my loss.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC (ND)

Early Warning has adverse information from XXXX in regards to a fraudulent and unauthorized checking account. I have never opened a checking account with XXXX. Someone stole and used my personal information to impersonate me and open up a fraudulent and unauthorized checking account with XXXX
Consumer complaint received 2015-07-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NJ)

In XXXX 2015, Chase Bank sent us new debit cards containing an embedded chip. They are connected to our joint personal checking account. The new cards, however, had different XXXX numbers from the original cards they were meant to replace. 

We found this change extremely inconvenient since it would require us to change all of our automatic payment settings ( XXXX, XXXX XXXX, many online merchants such XXXX, XXXX, etc. ). We asked for new cards with the same account number. The Chase representative said that was indeed possible. 

Chase sent us new cards bearing the chip, a new expiration date and CVV code, but with the old original XXXX account number, just as we requested. 

Yesterday, as I attempted to check out at a local XXXX, my debit card would not work. I immediately called Chase, but got an hour and a half 's worth of the runaround ( the " system '' says the card has been cancelled, etc, etc., ad nauseam ). 

Chase was able to reactivate the card for long enough for me to complete my XXXX purchase, after which I went directly to my Chase Bank branch. 

My personal banker saw on his computer display that my debit card did, indeed, have a cancellation alert in bright red letters. Neither he nor I could understand why my wife 's debit card has no such alert, even though it went through the exact same replacement and re-replacement process. 

I believe that whoever arranged to have the same-account-number cards sent to us caused my wife 's new card to remain valid until its XXXX expiration date, but neglected to permit my card to be used beyond yesterday. Yesterday, it turns out, was the date the non-chip-bearing card would expire had I ignored Chase 's XXXX 2015 letter. I did not ignore it. 

Apparently the " system '' still thinks I am using the no-chip card when, in fact, I am carrying a now unusable chip-bearing card. 

Without borrowing my wife 's valid card, I am unable to withdraw cash at an ATM nor make any purchases. 

Chase refuses to override its " system '' and no XXXX there is able to think outside the box. 

This is absolutely the worst customer " service '' I have ever experienced anywhere. 

Can you help straighten Chase out?
Consumer complaint received 2024-03-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

XX/XX/XXXX- submitted the following documents via the Lakeview, my current loan servicer ' website with the assistance of representative who was on the phone with me ( XXXX XXXX XXXX XXXX ). I used the loan servercer website customer request portal under the contact us feature. I recieved no information about the documents submitted, no confirmation it was recieved and the loan servicer made no effort to adjust my raxes accurately despite my request. 

XX/XX/XXXX, After two months withput progress, I reach out agains and spoke to a representative who said the conatxr us feature was out of service in XXXX and all documents sent were not recieved. I again submitted my XXXX XXXX XXXX XXXX as instructed, via the website. 

After waiting two weeks the loan service has made no attempt to assist me and or resolve the issues. I reach out again on XX/XX/XXXX and spoke to a representative who stated that they recieved the documents however there is no further information and instructed me to resubmit the document via fax. 

I have tried for the last three months to get this resolved and it seem the loan servicer is not interested and or is unwilling to make the necessary corrections to my mortgage taxes so it is accurately reflected.
Consumer complaint received 2016-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Harris & Harris, Ltd. (IL)

I received a call at XXXX from Harris and Harris, regarding a debt for unpaid tolls. The amount of unpaid tolls is less than {$100.00}, yet they are pursuing me for {$2000.00}, which is ridiculous. The tolls are from around six months ago. 
During this call, the agent told me that it was a municipal debt and it was a crime and that I could go to jail. It is my understanding that they can not suggest that I could go to jail, nor can they misrepresent the debt. 
In addition, I am currently legally XXXX and get only {$730.00} a month, which goes all to rent. I eat at the food pantry. It is also my understanding that they can not pursue you if you make under a certain amount. An amount of which I am sure I make less than. 
Can you please assist me in this matter, because I do not wish to get any more threatening calls from them? 

Thank you very much for your time.
Consumer complaint received 2016-07-11
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NJ)

Applied for XXXX Chase XXXX XXXX XXXX Credit Card. Printed out terms and conditions, which clearly state that {$95.00} annual fee is waived first year. When first checking balance, discovered that {$95.00} fee was imposed anyway. Chase customer service supervisor refused to honor terms and waive fee, despite my written proof of this term.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX Report Number XXXX Date Generated XX/XX/year> Based on contract the mutual consent the consideration and legality has not been met we did not have a meeting of the minds we did not come together to negotiate a deal TransUnion XXXX and XXXX when I turned XXXX they started reporting/recording my personal information without my personal consent which is a violation of consumer law based on FCRA 15 USC 1681 ( a ) ( 4 ) which I have a right to privacy. As Stated, before this was done without any offer without any expectation or consideration. They the big 3 credit reporting agencies have been gathering info and money in my name without any consideration to me this entire time.

The legality is the consumer reporting agencies have a duty to follow the FCRA we demand that all negative adverse info be removed/deleted from this consumer credit report due to a simple violation of the FCRA as stated before 15 USC 1681 ( a ) ( 4 ) to remove all late payments, charge offs, repossessions, all balances, collections, inquiries, utilizations any adverse information because as the consumer it is my right to privacy.

Above is the date generated where I contacted them and here is the report number is above as well and this was never satisfied this not only is an invasion of my privacy it is also identity theft that they are making profits off of my name and personal information without compensation.

Respectfully XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc. (NY)

I first disputed XXXX XXXX XXXX account XXXX with XXXX and XXXX through XXXX. Then, I sent a certified letter on XXXX XXXX disputing the account with both credit reporting agencies. Global Receivables Solutions responded to my dispute by sending a letter to my address that was addressed to my father. The collection agency claimed that my dispute was invalid and the information they reported is accurate. And as evidence of this, they attached a billing statement from the hospital that was in my father 's name. I have disputed this account again with the credit reporting bureaus and I called Global Receivables Solutions today to dispute and was told that I would have to wait for them to investigate. I do n't have time to wait. I am trying to find an apartment, and this negative mark on my credit report is making it difficult. I also called the hospital 's billing department today and they confirmed that they do not have any outstanding bills for me in their system with that account number, but they do have something in my father 's name with the same account number. I am tired of being given the runaround from these people. This mistake is causing me a lot of problems ; mental, financial, and emotional. And I just want the credit bureaus and collection agency to do the right thing and remove this inaccurate information from my credit report.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

I placed dozens of phone calls and about a dozen chats to customer service trying to obtain my debit card since XXXX. I receive the same answer of " Confirm your address and we'll send you a new card ''. The process of sending out a debit card happened at least 9 times since XXXX. I have not gotten any other assistance.
Consumer complaint received 2022-02-14
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (WA)

I have a hard foreclosure date of XX/XX/XXXX and Caliber refuses to postpone the sale even though my agents have offered them a full payoff. The XXXX mortgage is with XXXX and they have verbally approved the amount, it takes a couple of weeks to generate the approval. 

XXXX told my agents that they will make more money by foreclosing and not paying a commission or payout to XXXX. IS THIS LEGAL THAT THEY CAN FORECLOSE ON ME EVEN WHEN OFFERED A FULL PAYOFF? I know there is no guarantee with a short sale, but when offered a full payoff does n't a bank have to allow the seller the chance to stay in his/her home? 

XXXX XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Roadrunner Account Services, LLC (TX)

I took out an installment loan XX/XX/XXXX for a XXXX XXXX XXXX and paid it off XX/XX/XXXX. 
It was originally reported to the credit bureaus as a closed account a caused my score to decrease. 
The account was paid as agreed on time every month. Never any late payments. 
I do understand the account is closed but no comments added detailing my payment history. This account was paid as agreed.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I purchased shipping boxes on E-Bay for {$68.00} and paid with my PayPal Credit.I was charged {$62.00} out of my Pay Pal cash Wallet and also charged {$62.00} out of my PayPal Credit. I wrote to XXXX and called them as well. 
There are 2 different Transaction ID 's and two different Invoice ID 's for my on time purchase of my shipping boxes. I have brought that up to XXXX, by phone and e-mail and by regular mail. They did adjust my charge for {$68.00} on XX/XX/XXXX on my XXXX XXXX but then charged me again on XX/XX/XXXX for {$68.00} on my XXXX XXXX account. 

XXXX XXXX XXXX  XXXX XXXX ID 's Transaction ID : XXXX Amount : {$68.00} Transaction ID : XXXX Amount : {$68.00} Invoice ID : XXXX Amount : {$68.00} Invoice ID : XXXX Amount : {$68.00}
Consumer complaint received 2016-07-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

I opened a Citigold checking account with Citibank on XXXX/XXXX/16. I used an offer that had been extended by Citibank for XXXX Thank You points after meeting the criteria of performing a bill pay 2 seperate months within 60 days of opening the account. I met these conditions and confirmed with a Citigold representative ( XXXX ) via chat on XXXX/XXXX/16 that I had met all the requirements to receive the promotion. After waiting several months, I was told by a different Citigold representative ( XXXX ) via chat on XXXX/XXXX/16 that I would not be getting the bonus and that an " investigation '' would occur to see what the problem was. On XXXX/XXXX/16 after the investigation was denied, I was told by another representative ( XXXX ) that I was declined because I could not produce any original paperwork of the offer that Citi already confirmed I was eligible for on XXXX/XXXX/16.
Consumer complaint received 2018-03-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018 I opened a Checking Acct. with Wells Fargo Bank for the Advertising by SAME a {$200.00} BONUS to be PAID after 60 DAYs, I HAVE IN MY POSSESSION a VALID CONTRACT for SAME and WELLs FARGO is REFUSING to HONOR the CONTRACT, FALSE ADD, SCAMMING the PUBLIC, SCREWING the CUSTOMER, now 6 Mos. LATER they ARE STILL REVIEWING and RENEGING their CONTRACT, RIP OFF, USERY ... ... ... ...
Consumer complaint received 2015-09-17
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY (NY)

On XXXX XXXX, 2015 I did a balance transfer of {$19000.00} from my XXXX Credit Card Acct. to American Express. On XXXX XXXX, 2015 American Express sent me a letter stating that they were declyning the balance transfer of {$19000.00} from XXXX and returning the money back to XXXX. On XXXX XXXX, 2015, I contacted XXXX to ascertain if they had received the returned check of {$19000.00} from American Express and they stated that they had not received anything back from them. When I contacted American Express to inquire about this matter, American Express stated that the check had been sent back to XXXX and that I had to figure out where it went. American Express was unwilling to help me any further regarding this matter.
Consumer complaint received 2023-04-03
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: Advanced Resolution Services Inc. (PA)

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-10-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pendrick Capital Partners Holding, LLC (FL)

This company describes them self as " Affiliated Assests Solutions '', it is a debt collector company. Many years ago they have been calling my cell phone. They continue to call to my personal cell phone asking for a person named XXXX. I told them to stop bother me. They stopped for time to time and then they started again to calling me twice almost every week. I called them to stop but it did n't work I told them that there is nobody under this name with this phone number. I have this number more than 6 years. They don listen. When I am working, resting, eating any time any hour they are calling. Please I need somebody stop this people.
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

What happened to my XX/XX/XXXX alert email? XX/XX/2016, the the associate had told me that I had to cancel my debit card in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, XX/XX/2016.
Consumer complaint received 2023-04-03
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. (NC)

Hard inquiries by these companies. 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
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (TN)

I FULLY INTEND TO SEE THE HOUSE MY SS # & MY NAME WAS USED TO BUY IT! 
FTC TOLD ME THAT PERSON HAS BEEN USING MY SS # & NAME SINCE XXXX! 
WHY COULD N'T THEY STOP IT 25 YEARS AGO????????????????? THINK THEY WOULD MIND IF I MOVED IN WITH THEM????????????? 
I PROBABLY WILL NEVER FILE ANY KIND OF TAXES AGAIN! SINCE THEN,XXXX, COMPUTER HACKED ALONG WITH HOMEPHONE & CELL. DO N'T THINK ITS LUCK!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! THE GOVERNMENT JUST DO N'T CARE ABOUT US REGULAR PEOPLE THAT WORKS FOR A LIVING, BET THEY WOULD FIX IT SOMEHOW IF IT HAPPENED TO THEM, LIKE XXXX XXXX, OBAMA OR EVEN OUR BELOVED HOUSE SPEAKER? HOW WOULD IT FEEL TO BE STILL WORKING ON GETTING YOUR XXXX TAX RETURN BACK IN XXXX? JUST ASKING XXXX, YOU THINK???????????????? 
MY CREDIT SCORE WILL NEVER EVER RECOVER NOW THAT I 'M XXXX YEARS OLD!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I have written the Credit Agency multiple times over the past several months and have received responses that they have completed investigation without proving how they concluded the investigation. I have repeated requests and to no avail. I have contacted the creditors and credit bureaus and therefore need help validating these items. 1. Bankruptcy 2. XXXX, 2. XXXX 3. XXXX. Please help and advise. All of these agencies have not been helpful either by phone or mail. I need these items resolved and removed.