davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (OH)

I have multiple checking accounts with Chase. One of which went into overdraft and was subsequently charged off. Numerous overdraft fee charges were incurred over the Covid time period which pushed this account into overdraft. This account has me as primary with my adult daughter as secondary. She did not take action quickly or definitively with the bank to get relief from the overdraft charges. She was embarrassed to be behind while trying to manage the situation. However, Chase closed this account without notifying me ( as primary who resides in different address ) despite the overarching relationship that I have with the bank. When I inquired around XX/XX/XXXX upon noticing the account was closed, I was told that it was too late to adjust a charged off account. Additionally, all prior history of the account including electronic statements has been removed from my profile. When asking Chase for relief, they refused to review the prior history and overdraft fees. Had the fees been waived, consistently and equitably across all consumer accounts during Covid ( instead of wait until they call approach ), this situation would have been avoided, and there would be a positive balance of over several XXXX dollars. Also, in conversations with Chase through XX/XX/XXXX, they finally did send me the XXXX but not XXXX bank statements. Just in XXXX they charged {$340.00} of overdraft fees of which {$200.00} occurred in XXXX and XXXX. I was not able to look at XXXX despite 3 requests to provide me the statements for XXXX, XXXX and XXXX ( over the Covid period ). Also, the collection department requested that I pay from an existing deposit account to cover {$58.00} written off, which I initially was agreeing to, however, in the call the representation asked me to confirm the withdrawal which I did not agree to. Because he stated this could be escalated, I opted for the escalation. Because Chase will not address holistically, I am reaching out to both the OCC and CFPB to exam the collection practices to 1 ) eliminate any write-off/collection and reimburse me for the {$58.00} withdrawn without my consent OR provide COMPLETE transcripts of all phone calls with the bank showing my agreement when the rep asked to confirm the withdraw at which time I did not reaffirm, 2 ) get copies of the last three years of activity for this account ( specifically for XXXX ), and 3 ) OCC and CFPB review the account for XXXX and reimbursement of excessive overdraft fees which is fair and equitable during the Covid period and which should have been consistent applied once the customer realizes and escalates to the bank. Had I been more aware of their deceptive practices, I would have escalated myself rather than assume they were doing the right thing and working with my daughter directly. Thank you for your assistance.
Consumer complaint received 2021-11-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

XXXX is showing the two following accounts on my credit ; XXXX XXXX XXXX Account XXXX and MIDLAND FUNDING Account XXXX The two accounts do not show on XXXX or XXXX where my credit reads over 720+ but on XXXX because of these two fraudulent reports show a score of XXXX. 

Neither company is the real party in interest. Neither company ( debt collectors ) can provide any legal capacity to attempt to collect or report an alleged debt. There are no court orders or judgement ( s ) in place and therefore where there is no contract there is no claim! The entries are in direct violation of Ohio Revised Code 1321.45 and MUST be deleted. 

Further I was not notified of the 'requirement to authorize ' them before you closed out my previous complaint. Stop shielding them!
Consumer complaint received 2024-03-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO Bank, N.A. (OR)

We previously opened case XXXX & we very specifically proved that the bank has messed up our payments & that they have admitted to these mistakes, numerous times, in writing. We also very specifically asked that the CFPB determines whether the bank 's mistakes have impacted our credit score, this has not been done yet you have now closed the case. The bank offered you a very deceiving letter, making it look as though the mistake was ours. They also mention absolutely nothing about how this has affected our credit score.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Duvera Billing Services, LLC (MD)

XXXX is reporting two accounts as open that should not be open and were included in XXXX 

Dureva- is reported open XXXX XXXX- is reported open By having these accounts reporting open it is lowering my credit score. This seems to be a habit of XXXX.
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I disputed a claim against an online company for an apparent fraudulent practice that totaled an approximate amount of {$54.00} that was debited from my account. I reported the action on XX/XX/year>. 

The bank credited my account but reversed the charge this month. I tried several times to locate this online company without success. I notified the bank yet still I have not been successful in getting the debit reversed. Can you please assist?
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

I have been doing business with Wells Fargo for at least 30 years. I have several accounts and have had mortgages which have been paid off. I also had 2 credit cards, one for regular everyday and one for business. 
This month ( end of XXXX or XX/XX/XXXX ) my business credit card was unceremoniously canceled with no notice to me, no phone call, text or email, no opportunity to object. I only know because my online account shows it was closed. 
When I contacted Wells Fargo, they said it was closed because Risk Management decided to do it because of my credit score. This is ridiculous for several reasons : My long history of good credit with Wells Fargo. 
My XXXX score on the Wells Fargo website is XXXX. 
My credit score with XXXX went down recently because an account I co-signed for had been paid late the account was opened before COVID, the person lost her job because of COVID, she has tried to start her own business and it is difficult because of COVID, her former XXXX husband is not paying court-ordered child support and the state is not helping her to garnish it, and now she has XXXX XXXX. 
They did not cancel my regular credit card which I pay off every month on time. 
My business account with Wells Fargo had more than {$1000.00} in it at the time. 
My business credit card ( the one they cancelled ) typically only has a monthly charge of {$19.00} which is paid every since month on time. 
To make matters worse, yesterday ( XX/XX/XXXX ) they added a charge of {$.00} to the card they canceled that had a XXXX balance at the time. 
I put in a complaint with Wells Fargo which they are supposedly investigating. And I was not able to state my case, they just took an abbreviated version and created a case, but I dont know what it says. But even if they find that they were wrong, they can not restore that card.
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

On XXXX the XXXX I received a notification that XXXX regarding my account being overdrawn ... it was under XXXX I immediately zelled the funds from my other account to bring current same day and sent in more to be safe On XX/XX/XXXX I received a notification that XXXX charges made me go over limit and I was charged XXXX each Which chase has some kind of algorithm that they post pending charges later to negatively impact and they collect the fees I want my fees back they have taken advantage of consumers for too long
Consumer complaint received 2018-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benjamin Chaise & Associates (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, has falsely and wrongfully reported me to a collection agency as purportedly owing a debt- which is not me, nor is it mine. Their agency, Benjamin Chaise & Associates has sent me a letter dated XX/XX/18, which has falsely made claims against me, reporting me with gross negligence as to purportedly owing a debt that is not mine. ( Amount stated on their letter : XXXX ). Ive never had any business dealings with XXXX XXXX XXXX XXXX XXXX XXXX, nor their affiliates, nor the agency, Benjamin Chaise and Associates, or any of their agents. This is not mine, not my company and I do not owe any money in portion or in full as claimed. There are no contracts whatsoever between myself and the purported creditor, and or Benjamin Chaise & Associates, verbal and or written. The letter sent to me was addressed to a business which is not me, nor my company and I have never heard of nor have any part of. They obviously are phishing and have sent out this demand for funds either with gross negligence or in an effort to defraud me. 

I've sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX, and Ive sent a letter to Benjamin Chaise & Associates- a demand for debt validation, dated XX/XX/18 There has been no response to the debt validation. I received from them a statement that the claim has been turned over to a lawyer in XXXX XXXX, NV.
Consumer complaint received 2016-07-19
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company (SD)

Recently, we sold our home for a great profit - in hopes of purchasing a new property. Upon our application for a new mortgage it was discovered that Freedom Mortgage had given us XXXX late payment marks on our credit score, this made us ineligible for any mortgage loan program. After researching the issue, we 've discovered that Freedom adjusted our escrow payment, and did not appropriately notify us of those changes - as a result the consistent payment we had been making from our bank account was slightly less money than the new payment amount. We have never missed a monthly payment, once we realized what had happened we had adjusted our payment up to the correct amount, and again recently the escrow amount dropped, and we were not notified - so we spent a few months paying slightly more than we needed to. Freedom Mortgage is ruining our ability as a family to make large purchases, and handicapping our credit for the future.
Consumer complaint received 2022-06-16
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: BARCLAYS BANK DELAWARE (NJ)

My name is XXXX XXXX and I own a Barclays Master Credit Card number ending in XXXX. 

On XX/XX/XXXX, I received an SMS alert on my number XXXX to approve a transaction from XXXX. I accidentally approved it. After approval, I logged into the mobile app and noticed that this was a fraudulent transaction. Also, there was a transaction from the XXXX store at the same time. 

I immediately noticed that I wasnt in possession of the card. I called customer service on XX/XX/XXXX and informed them that all of these transactions were fraudulent. I asked the customer service agent to cancel all of them, including ones from XXXX and XXXX stores, while these transactions still were in a pending state. Subsequently, the customer service agent promised me that all of these transactions will be reversed. Then they closed my card and issued me a new one. 

Today, I noticed that the XXXX  transaction for {$350.00} was posted to my account. I called customer service about this issue. They responded that they have no record of my card reported as being stolen. They refused to reverse the XXXX  transaction or put it on hold until the issue can be resolved. 

I would like to have the XXXX  transaction for {$350.00} be immediately reversed and the amount credited back to me because it was unauthorized and fraudulent. I informed the Barclays team immediately that it was fraudulent. 

I can not afford to pay this amount and I am afraid that if I don't pay this then my credit will be severely impacted.
Consumer complaint received 2021-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account, ONLINE INFORMATION SER, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file.
Consumer complaint received 2021-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. G. Credit, Inc. (VA)

MG Credit Corp reported to all three Bureaus a debt of {$160.00} from a medical bill I am just aware I had 4 years ago. It was my understanding all cost were paid by insurance. Once the account was reported, I called the original debtor and MG concerning the required validation of the matter. I never recieved any of the required information under FTC, I never received notice that I was deliquent, on this account prior to the reporting of the credit bureau, I informed MG if the debt was valid I would pay for a deletion only, not as a debt, they declined to correct thier error. The information further violates HIPPA, law 's as MG is clearly seeking a medical bill from the original creditor that specializing in a area of medicine that makes it clear of my medical history. MG has violated several FTC rules and as well as my due process with adequate notice.
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT, I DEMAND THAT ALL OF THE ITEMS LISTED BE REMOVED TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY.
Consumer complaint received 2022-06-16
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. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT, I DEMAND THAT ALL OF THE ITEMS LISTED BE REMOVED TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY.
Consumer complaint received 2022-06-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: California Business Bureau, Inc. (CA)

1. I called XXXX  to pay off debt that has not been validated to be mine 2. I paid {$1500.00} on XX/XX/XXXX 3. XXXX  said they would remove all collections from XXXX 4. Weeks later, they were not removed but I have more collections on my report plus the old that should have been removed 5. XXXX  pulled my credit report in the form of an " installment loan '' on XX/XX/XXXX XXXX. XXXX  failed to provide me written validation of this medical debt, and no I wish to not validate it over the phone
Consumer complaint received 2022-06-16
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: ENCORE CAPITAL GROUP INC. (FL)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA. XXXX XXXX XXXX XXXX XXXX XXXX Discover Financial Services Attn : Customer Service XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir/Madam, I am writing to you regarding a recent discovery on my credit report that has caused me considerable concern. Upon reviewing my credit report, I noticed that an item associated with my Discover Card account appears to have been categorized as a charge-off. However, I have not received any communication or documentation regarding this matter, including a XXXX form for a cancellation of debt. 

I want to sincerely express my gratitude for your attention to this matter and kindly request that you provide me with a XXXX form for the cancellation of debt associated with the aforementioned item. This documentation is crucial for me to accurately address and manage my financial situation, especially in light of the hardships I have faced recently. 

As you may be aware, I have experienced significant financial challenges in recent times, which have made it difficult for me to meet my financial obligations. While I have been actively working to improve my financial standing, the assistance of a XXXX form would greatly support my efforts in addressing this matter and rebuilding my credit for the future. 

I understand the importance of responsibly managing my financial affairs, and receiving the necessary documentation from Discover Card would not only provide clarity but also enable me to take proactive steps towards resolving any outstanding issues. 

Your prompt attention to this request would be immensely appreciated, and I thank you in advance for your understanding and cooperation in this matter. Please do not hesitate to contact me should you require any further information or clarification. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (IL)

On XX/XX/XXXX, XXXX notified me that a deposit I made was being held and my account has went to the security team. Upon contacting them the same day I was advised I was given a check that may not clear and my account was on hold. After contacting the check issuer my Employer I was advised they issued a check to a closed account and needed to correct the issue and also sent a letter explaining the mix-up. I have been an NFC customer since XXXX and did not understand why I ended up in fraud. My entire online platform was placed on hold and blocked access to both of my secured credit cards in which I make payments directly from my checking account. 

On XX/XX/XXXX I spoke with customer service again and was advised that my account was still blocked and I needed to make my payment until the investigation is complete. She attempted to transfer to the fraud team to unblock and explain the mix-up. I was able to schedule a payment with her, however on XX/XX/XXXX I receive an alert that I was late for payment on my credit, I was never late in history. I called again and was told it was an error and its no way to make a payment on my account while I was on hold until the investigation is over. I advised this would make my account report incorrectly and asked to close both secured accounts, however, this was never done. 

On XX/XX/XXXX, I receive another credit alert for both cards and late status, I called NFC right away and spoke with customer service. She advised my accounts had never been closed and were on hold with fraud, she transferred me and I waited an hour before someone picked me up at XXXX XXXX. The specialist put me on hold after I explained the issue and was really not trying to help, he sounded very disoriented and not interested in hearing my concern. By the end of the conversation he was unable to help and I asked again to close the accounts because they are secured and funds were available in my savings account to pay off. He paid off both cards and closed them, however, now my credit is ruined and the account has been reported incorrectly because of blocking access to pay the accounts online and was told payment would be scheduled. My account should have never been closed, it was a Human Error that caused this, please fix it.