davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a FHA loan and this loan is serviced by Bank of America. The bank did n't fulfill any of the contractual obligations it made with HUD, specifically loss mitigation before filing a foreclosure lawsuit against me. I have been fighting this bank for nearly four years in court and it has still refused to do what it contractually agreed to do. I also sued the bank under the Illinois Consumer Protection Act for its unfairness. It 's my understanding that this bank has repeated this conduct with several XXXX of FHA mortgages.
Consumer complaint received 2020-10-08
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. (TX)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX XXXX XXXX XXXX  {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2016-06-08
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (NY)

I opened a dispute with Chase on XXXX XXXX in the amount of {$630.00} because XXXX XXXX XXXX XXXX broke and damaged items of mine during a move, and XXXX XXXX XXXX failed to honor the insurance policy I selected. Chase, however, rebilled me on XXXX XXXX, even though I submitted the proper evidence.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

Recently it came to my attention that my back had been charging NSF fees, despite federal regulations. 
I contacted Chase Bank on XX/XX/XXXX requesting the NSF fees on my accounts be reversed. 
They only reversed the most recent fees, and refused to reverse them all, stating " You have exhausted all of the courtesy refunds available on my accounts. '' I made them aware that it is illegal, particularly in CA, to charge junk fees. 
Their response was the same, " You have exhausted all of the courtesy refunds for your accounts. ''
Consumer complaint received 2016-09-01
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (NC)

Without any action from me, I was sent an " Amazon.com Rewards '' XXXX from Chase in the regular mail. It has my name, an account number, a credit line and a phone number to " confirm receipt '' all within the same envelope* seemingly making it very easy for anyone to activate this card. 

I am scared that a credit check was run ( again, without my permission or authority ) and that the intent was to make it as easy as possible for transactions to begin occurring against my knowledge or will. When I tried to call the customer service numbers to inquire, I was disconnected adding an ever-dubious sense to this process that I neither asked for or enacted.
Consumer complaint received 2023-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Venmo would not process my request to pay out. Kept getting message saying to try again later. For days, I tried to process from different devices, through mobile and desktop sites, through app, removed and reinstalled app but kept getting same message. In accordance with message, try later can be as soon as you receive the message. So I tried repeatedly and eventually I got a message saying the account was locked. At no time did Venmo provide a warning stating the account would be locked for any reason like multiple attempts. Why it was locked is still unknown. FYI, Venmo reps have told me the try again later message has been happening for years and that they get hundred to thousands of calls about it. Obviously, theres a software issue that Venmo ( PayPal ) is just ignoring. 

Initially, I contacted them by phone. Follow up communications were through email. I requested my account to be unlocked. XXXX XXXX tried to force me to give them copies of my ID my identification had already been previously confirmed and I was not going to give a copy of my ID out. 

I advised XXXX XXXX that my banks new security protocols now required me to provide details on what caused the lock out before they would allow me to re-established an account link again. XXXX XXXX refused to provide any details on the lock out. I advised XXXX XXXX that without lock out the details, my bank wouldnt allow me to use Venmo any longer. XXXX XXXX didnt care so I requested the account to be permanently closed and deleted. Initially he refused to do anything with the account and said I would have to do it, through the accounthello XXXX, the account is locked! Later, I requested confirmation that the account was deleted. He kept providing two different answers, one of which, clearly indicated that they were not going to honor my request and that they were keeping the account ( in a locked status ). I asked him to connect me to his legal department more than oncehe refused. He also told me that even with a cancelled account ( not a deleted account ), that they retain a lot of my account information. I requested a detailed list of which specific itemshe provided a cut & paste generic list from their terms and conditions. I again request specifics and got the same cut and paste ( I assume he was doing this again to antagonize me ). 

Based on what I have been told by XXXX XXXX, Venmo is not going to explain what action or actions caused the account to lock and my locked Venmo account will not be deleted ( and that theyre going to keep my personal data ). 

XXXX XXXX definitely needs a lot more training ( or supervision ) before he should be handling customers. In most companies, hed be subject to disciplinary actions. There are lots of other companies other than Venmo ( a PayPal companywho is just as bad ) to use, and thats what Ive done.
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

In XXXX, while I was travelling in XXXX, there were 7 fraudulent charges made in the US, they were disputed and removed. but the charges keep coming back the latest charges are for {$270.00}. I have asked for the account to be closed. and no further charges be allowed and that is not happening. 

charge : XXXX XXXX XXXX XXXX 
unknown charge/running charge - {$270.00} I have ben disputing and resolving and back and forth since XX/XX/XXXX. I want the account close and no charges be allowed. 


Date Description Amount Running Balance XX/XX/2023 CREDIT INTEREST CHARGES {$2.00} {$270.00} XX/XX/2023 XXXX XXXX XXXX {$130.00} {$270.00} XXXX
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

My former mortgage lender, Chase Bank, is foreclosing on my home, even though they sold the mortgage to another bank ( XXXX XXXX XXXX ) two years ago. I receive statements from XXXX and Chase Bank has no longer any legal interest in the property.
Consumer complaint received 2016-11-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (WI)

I requested a transfer of Funds from HSA bank to another HSA account and a closing of my account. The transfer and closing forms were sent to me, to which I completed and directed HSA Bank to transfer to my new HSA account. According to HSA Bank, I needed to have a signature from the new HSA account holder to transfer the funds to which they advised me the funds would not be transfered without the signature. Ten days later HSA Bank sent the funds to my checking account without my authorization, which has potential tax implications.
Consumer complaint received 2023-08-22
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under XXXX5USC1681 section 602 I have the right to privacy. 15USC1681 section 604a section 2 states A consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. 15USC1666b Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
Consumer complaint received 2023-08-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I have sent several letters to XXXX, XXXX and Equifax, on XXXX XXXX XXXX XXXX XXXX, urging them all, to not only make sure my personal information is correct and current but also to remove any incorrect or outdated information about me, from my credit report. I have also asked for validation of several accounts that are reporting on my credit report without my consent. The only responses that I have received back ; if any, are that they have not done an investigation because of ridiculous claims that I myself have not been the one disputing the unwanted, incorrect and inaccurate information on my credit report. Please assist me in this matter to get the credit bureaus to obey and follow the laws and clear up these inaccuracies on my credit report immediately. Thank you.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

As of today X/XX/2017 equifax has updated 2 closed account without a 5 day notice and to make it worse they are not mine and need to be removed because it is effecting my credit! I have sent out notice before and they keep udating inaccurate i formation and not making aware of what they are doing. XXXX XXXX and XXXX XXXX XXXX and trust were closed because they werw not mine! I want valadation of these with my signature. Which will be none and then promptly delete.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WV)

Chase bank is holding XXXX dollars of my money and I dont have an account there. They made a computer error, which they admit to and the money was accidentally deposited. Now the money has been tied up for 10 days and they will not release it to me. It is with their error response team. I have been to the bank several time and spent hours on the phone only to b told we dont know when it will b released.
Consumer complaint received 2023-08-20
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: EQUIFAX, INC. (IN)

XXXX XXXX XXXX, XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX are stating that I do not have the right to opt out when in fact Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are a financial institutions and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR. Previous letters were sent as well with no response. 
I will be filing a lawsuit for improper reporting on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If XXXX, Equifax, and XXXX do not remove this information from my report, I will be filing a lawsuit on them as well. See attached documentation as proof.
Consumer complaint received 2022-08-25
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. (AR)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the XXXX Credit Bureaus about inaccurate information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX BankruptcyXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX  XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXXXXXX XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00}
Consumer complaint received 2016-12-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NC)

In XXXX we were having problems paying the mortgage due to my daughters XXXX illness XXXX XXXX XXXX ). We fell behind in the house payments and in XXXX XXXX we worked with the mortgage company we modified the mortgage to add the XXXX late payments to the end of the loan. Sadly these were phone conversations instead of letter from the mortgage company. We do n't recall signing the documents and would not have signed them had we understood the bank lied and restarted the mortgage instead of the agreed phone conversations to add the payments to the end of the load. In XXXX XXXX we again fell 3 months behind in the mortgage due to my wife 's XXXX. The mortgage was turned over to new mortgage company. In XXXX XXXX the new/current lender stated that the XXXX modification restarted the mortgage instead of adding the late payments to the end of the mortgage. So the problem instead of paying off the mortgage at end of XXXX, we owe {$36000.00} and another 5 years on the mortgage.
Consumer complaint received 2022-08-04
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX Ad XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX I Has violated my rights 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2015-08-30
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

There was a lawsuit against the school that I attended and they are closing the school down as a result. I was paying my loans at the minimum that I can afford and now the loans are being serviced by a different company. I can not afford to pay the loan at this time and I am receiving notice of default. How can I resolve this issue when the school is being sued for the way they talked students into taking the loan in the first place, I should have never been approved because I was not working at the time and they asked if someone could help me pay it. The person that was helping me is no longer in my life and I am stuck with the obligation when he agreed to pay it.
Consumer complaint received 2023-09-09
Product: Credit 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: DISCOVER BANK (CA)

In XX/XX/2022 I order a refrigerator repair from XXXX and placed the charge on my Discover card. The repair man said once the parts arrived I could call and reset the repair date. As as a result of almost 20 calls to the XXXX XXXX XXXX in the XXXX and endless routing from one person to another I cancelled the repair order and the monthly warranty insurance as well. After 7 months of going back an forward disputing this charge and sending proof of the parts delivery. Discover allowed for XXXX to bill my account for {$180.00} an amount which is not specified on the work order I signed. XXXX did not do the repair. I paid another company {$700.00} to repair the refrigerator. All of the labor cost listed on the receipt pertain to replacing the compressor which XXXX did not do. 

Discover refuses to remove this charge. There is no justification for Discover to allow this company to charge an amount I never agreed to to pay.
Consumer complaint received 2015-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (GA)

STELLAR RECOVERY/XXXX has consistently troubled me over a debt of reported {$860.00} that I do not owe or have any prior knowledge of, as I 've never had any contract communications account with XXXX before. Their deliberate infusion of this account on my credit profile is impeding on my ability to currently obtain any credit. 

STELLAR RECOVERY must delete erroneous information from my credit report with deliberate speed. 

Thank you!
Consumer complaint received 2023-08-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK (TX)

First, I personally never received a phone call, the call family members and leave messages with them. In turn, my family members have let me know. This has just happened today ( XX/XX/2023 ) and the message is from a XXXX XXXX claiming to be with County PSD Division, and says there are legal documents requiring my signature. She then gives a phone number, XXXX and says to reference case file # XXXX. I proceeded to call the number and a man answers the phone very quickly and you can't understand who the company is that he is working for. I was very nice initially giving him the case number and he then proceeds to tell me that a civil case is being processed on me regarding and outstanding debt. I then questioned him on what the debt was and he proceeds to tell me it's a Discover Credit Card. I told him I've never had a Discover Credit Card as you can pull my credit report and see there has never been one. He then proceeded to threaten me saying a judgment will be put on my report as a public record. I became so angry I hung, but then called back and asked the name of the firm, which he would not tell me and proceeded to hang up on me. I called back 5 more times asking for his company 's information and to let me speak with his supervisor, which he just kept hanging up on me. I was finally able to at least get the name of the firm on the last phone call. The firm 's name is XXXX XXXX  XXXX.
Consumer complaint received 2022-07-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I just checked my credit record, and I regrettably discovered that a fraudulent requests had been reported. You are submitting information that is not your own. I'm writing to make sure my credit file always contains the most up-to-date information. Within the next 15 days, kindly remove the unlawful credit query from my file. 
XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2XXXX XXXX