davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (TX)

I am writing to a file a complaint regarding charge-offs listed on my credit report. These charge offs should be removed from my credit report and any associated negative impact on my credit report. Nordstrom TD Bank Usa the account was closed on XX/XX/XXXX the debt is {$4000.00} and was charged off as a bad debt and canceled by credit grantor, XXXX XXXX XXXX XXXX closed on XXXX XXXX charged off as a bad debt and canceled by credit grantor, the debt is {$2500.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX charged off as a bad debt Profit and loss write off the debt {$14000.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX canceled by credit grantor, the debt is XXXX. I was not provided with a form 1099-C for the canceled debt, which is mandatory under IRS regulations . This further complicates the situation and highlights the need for a thorough investigation into the accuracy of the reported charge-offs. I am seeking the removal of the charge-offs and any associated negative impact on my credit score.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

Hello. I wan na complain about chase bank. Since XX/XX/2023 I kept receiving several coupon from Chase bank. That said if I open checking account with direct deposited in 90 days you can get {$300.00}, if you open a savings account deposit {$15000.00} new money in 30 days and keep it in account 90 days you can get {$200.00}, if you open both you can get extra {$400.00} total you can get {$900.00}. So I brought one of the coupon to the Chase Bank on XX/XX/2023. I banker lady helped me to opened checking and saving account at the same time. I put the coupon on her table and I was sure she knew I came for that. Then I deposited {$30000.00} on that day. Then I did direct deposit and I thought I just wait that would be fine. After two months I did not receive any bonus in my account. So today I went to Chase to check it out. One banker told me there was none coupon in my system. The banker lady who opened the account for me didnt put any coupon code in my account. He said if I can bring back the coupon which one I brought then he can put in system again. That was so ridiculous. Its two months already. I cant find that coupon. He just said sorry he cant do anything for me. That was not my fault. I did everything Chase Bank requested. It so wasted time and wasted my money. That was so bad experience and really bad customer service. So I wan na complain Chase Bank and I wan na get my {$900.00} back. Thanks a lot.
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

JEFFERSON CAPITAL SYSTEM is not licensed to collect debt in Pennsylvania, and have not obtained the necessary authorization from Pennsylvania to engage in debt collection activities there. In such cases, JEFFERSON CAPITAL SYSTEM does not have the legal standing to pursue debt collection actions against individuals in Pennsylvania. I, XXXX XXXX, have been contacted by JEFFERSON CAPITAL SYSTEM, who isn't licensed in Pennsylvania. If JEFFERSON CAPITAL SYSTEM does not delete the ( 5 ) items off of my credit report, totaling : {$1000.00}, I will file a lawsuit against JEFFERSON CAPITAL SYSTEM.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I asked Chase Bank to transfer {$5000.00}. from my Traditional Rollover IRA Account and forward it to my California Income Tax account ( Franchise Tax Board ). 

On XX/XX/XXXX, I received a notice from the FTB that my 2022 tax return was {$5000.00} short and was billed {$5400.00} to cover the shortage, penalty and interest. I called FTB and spoke to an agent who told me that the {$5000.00} from Chase had never been received I called Chase and they told me that had sent the {$5000.00} to FTB on XXXX XXXX XXXX XXXX.

To prevent additional penalties and interest I sent the FTB the requested amount, {$5400.00}.

I need to have the original {$5000.00} from my Chase Account credited to my FTB account and the $ XXXX refunded to me.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IL)

Citibank closed my credit card without warning or notice. My last charge was XX/XX/2020. 
I lost about XXXX reward points. I would like either a statement credit or to be able to transfer the points to a travel partner.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (CA)

Despite my persistent efforts, these concerns persist. Your firm 's response to my credit report dispute dismisses my request for verification as " frivolous '' or " irrelevant. '' If my initial request to verify these items, as outlined in my previous certified mail, is ignored, I'll escalate the issue by filing a complaint with the Federal Trade Commission. It's crucial for a reevaluation of the information to occur. I urge your firm to provide validation of the alleged items, particularly through documentation such as contracts, notes, or signatures. Without such evidence, the immediate removal of these disputed items from my credit report will be necessary.
Consumer complaint received 2024-02-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I had a XXXX XXXX  account for past XXXX of my life. all the sudden I get a collection agency telling me I opened an account with XXXX  on XX/XX/2023. This is NOT Me. I never open an account with XXXX and this is no something I authorized, I didn't event get any notice from XXXX all this time. 
This is Identity theft and this is not authorized by me.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Santander Consumer USA Holdings Inc. (CA)

I purchased a vehicle from XXXX in XXXX. They sent my information to Santander Consumer USA. The loan started in XX/XX/XXXX for the first payment. In XX/XX/XXXX, I was wrongfully terminated from my employer and got behind on payments due to me not making the amount of income I was when I was employed. I made numerous contacts to Santander to ask them what were my options as I was very concerned about my credit and my co-signers credit. They didnt want to assist. I ran up credit cards trying to stay on track. Fast forwarding to XX/XX/XXXX, my car was stolen and taken to another State. I had full coverage insurance and Santander was paid off. Theyve added the amount they said I owe, over $ XXXX to my credit report which is impacting negatively for me and the co-signer. I was not $ XXXX behind on payments, maybe 2 payments behind since I was stressed, single mother, trying to work still and find transportation to get back and forth to work. I end up ultimately having to get another loan for another car. I dont feel that amount they say is owed is legitimate.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (MA)

I opened an account with US Bank in XX/XX/XXXX. They promised me a bonus, and a set of free checks. I did not receive either of these promos because : XXXX. Even though I applied to open the account during the promo period, US Bank did not actually open. my account till after the promo had ended. 
XXXX. I signed up for checks because they promised me free checks at account opening, but when they actually opened my account they charged me {$38.00} for the checks. I never recieved these checks. They also said that since these are " electronic '' checks so no actual goods will be ever sent. 

In XX/XX/XXXX, after trying multiple times to get US Bank to honor the promotions, I was exhausted and asked them to close my account and send me my balance. 
They promised they sent me a check but I never received it, even though the address I provided them is correct. 
Fast forward to XX/XX/XXXX, I can not get a timeline on when I can expect my refund. They also want me to sign some papers before I can get my refund but they won't send me the papers I am supposed to sign.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (PA)

Identity theft on these accounts XXXX Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$720.00} written off. 
AFFIRM INC Under dispute Date opened XX/XX/XXXX Balance {$250.00} Status Collection account. {$250.00} past due as of XX/XX/XXXX. 
AFFIRM INC Under dispute Date opened XX/XX/XXXX Balance {$43.00} Status Collection account. {$43.00} past due as of XX/XX/XXXX. 
AFFIRM INC Under dispute Date opened XX/XX/XXXX Balance {$100.00} Status Collection account. {$100.00} past due as of XX/XX/XXXX. 
AFFIRM INC Under dispute Date opened XX/XX/XXXX Balance {$51.00} Status Collection account. {$51.00} past due as of XX/XX/XXXX. 
AFFIRM INC Under dispute Date opened XX/XX/XXXX Balance {$380.00} Status Collection account. {$380.00} past due as of XX/XX/XXXX.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: FIRST PORTFOLIO SERVICING INC (TX)

I was late with my payment, I have since made the payment, and they called my work. I cant make personal calls but they can leave a message on my direct line. Somehow XXXX XXXX called and left a message on a different line which was subsequently distributed to my entire department and a second department. So now 20 people including two vice presidents know I have a past due credit card.
Consumer complaint received 2015-05-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I filed Civil Cause # XXXX, XXXX XXXX XXXX v. Bank of America ( BOA ), in the XXXX XXXX District Court of Texas for breach of contract, slander of title, fraud, FDCPA violations and negligence on XX/XX/XXXX. My lawsuit is based on a title audit that clearly proves Bank of America was an FHA pretender lender that did not have standing to enforce the provisions of my Deed of Trust. Despite this lis pendens regarding the title to my homestead, BOA sold my property to XXXX ( XXXX ) during a substitute trustee auction on XX/XX/XXXX. XXXX 's attorney, XXXX XXXX XXXX XXXX. ( XXXX ) immediately filed Cause # XXXX in XXXX XXXX XXXX XXXX XXXX XXXX and a default judgement for possession was entered. My lawyer appealed to the XXXX XXXX County Clerk but quit the day before I was to appear in Court-At-Law No. XXXX. The Assoc. Judge over ruled my motion for a XXXX-continuance to prepare or find legal counsel and refused to consider evidence I presented to support my adverse claim to my home. I appealed the trial court 's ruling on XX/XX/XXXX and filed a pauper 's affidavit, which according to the Texas Rules of Civil Procedures, Rule 510.9 ( 5 ) ( e ) should have stopped all adverse actions against me until the Appellant Court decides on my appeal. Despite these rules, XXXX requested a Writ of Possession on XX/XX/XXXX to evict me from the property and the writ was issued on XX/XX/XXXX in violation of the Rules. I was served by a county constable and my lawyer and I have been fighting eviction every since. Despite the fact the writ is now XXXX, XXXX and the constable have continued efforts to execute the writ and evict me from my home despite pending litigation and appeals. This is also in violation of Rule 510.8 ( d ) ( 2 ), which states a Writ of Possession can not be executed after the XXXX day after the judge signs the order for possession which was signed on XX/XX/XXXX. The XXXX XXXX XXXX Associate Judge, the XXXX XXXX XXXX office and XXXX have been avoiding my lawyer, XXXX XXXX XXXX ', efforts to have the writ lifted because of the XXXX Texas Civil Procedure rule violations. I have also been informed by the constable that they plan to execute the writ and evict me from my home within the next three days. I am contacting you because you have assumed responsibility for protecting consumers from such egregious violations of federal laws and illegal foreclosure actions. I am uploading details concerning each case. Please investigate on my behalf.
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

National credit systems is saying i owe them {$14000.00} and made a derogatory mark on my credit report. i do not owe them this debt. they can not provide me any docs that i signed and owe them any debt. i don't know who this company is.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (CO)

I am very upset by this as I have already fought this and proved that this was not my account, they removed it. It was previously under XXXX XXXX under account number XXXX. They must have sold it to a new company, but I have already proven this is not mine and they removed it. I have reached out to the new company with no response. I have asked them to verify the debt and they have not.
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

Looks like my mortgage was turned over to a 3rd party, which I do not recognize. I do not have a contract with, but yet they continue to try and take my property. 

They returned a payment last month to look like I'm defaulting and asking for payment for this month. 

Looking at the document I provided you, they are not applying my payments property. And the fact NewRez is whom my mortgage is with tells me we have some criminal activity here and it needs to be investigated for fraud. 

ALL licenses of ALL parties are to be revoked to stop them from continuing this practice.
Consumer complaint received 2021-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I was transferring my XXXX  funds from my paypal account to my personal bank account XX/XX/XXXX when paypal emailed me that the funds weren't able to be transferred due to high risk business which I was never informed about when I opened my paypal account. I called representative after I received the email and they claim they were holding my funds for 6 months to see if any charge backs due to this so called high risk consulting company then I would receive and email on how I could receive my funds. So fast forward XX/XX/XXXX was 6 months and never received the funds nor the email and when I called them to inquire about it they gave me some water excuse about how they actually stealing my funds claiming some violation of their agreement. I spoke with a rep XXXX XX/XX/XXXX and she was confused as to what happened as well and why I wasn't able to receive my funds and just stated file a complaint with headquarters which never responds. I just want my funds of {$3200.00} not including interest owed the last 6 months released.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (OH)

On three occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), hard inquiries were placed on my credit report from JPMorgan Chase due to fraud and someone trying to open accounts in my name. I contacted the banks, Chase included, to report fraud. XXXX XXXX removed the hard inquiry immediately and I have had no problems since. I was told by Chase that the hard inquiry would be removed from my credit and it was not. I placed a fraud alert on all three credit bureaus stating that if someone tried to apply for credit in my name, that I was to be contacted at my phone number for verification. After that, all fraud attempts have been halted with the exception of Chase. Two more times after that, I received hard inquiries on my credit from Chase and a letter in my account thanking me for requesting credit. Both a blessing and a curse, my credit usage is fairly high, so Chase denied those requests but never contacted me for verification either time, per the security ID alert on my credit. No red flags were raised from Chase on either the fraud alert, as well as the fact that all requests were made in my maiden name, which I have not legally had for almost 5 years. Did they think I would legitimately be attempting to open a credit card in my old name? I have attempted to solve this over the phone where I was given false information to send my complaint to a phishing email address and that they would help me. That was an email address that would receive no reply. I called back customer service and she basically said that she didn't believe me because they weren't trained to do that. I was asked security questions that had nothing to do with me and was told that my answers were incorrect and they couldn't help me. I went to a physical branch location and they told me that they don't remove hard inquiries, even though the credit agencies tell me to contact them. They also told me to contact the credit bureaus to put a credit alert on, which I'd already done and that did not fix the problem. I need to know how to stop Chase from allowing fraudulent credit attempts and how I can have those 3 hard inquiries removed from XXXX. XXXX was able to have them removed, but XXXX is telling me to contact the bank.
Consumer complaint received 2020-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (SC)

I've had my phone stolen and XXXX worth of unauthorized transactions was done. I have a police report and have disputed with chime and XXXX XXXX this is also the 3rd dispute which chime never actually take time to investigate properly I have documentation including police report that my phone was stolen
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have noticed I have many instances of Misinformation reported about me which is fraudulent. I have no knowledge of how the misinformation of these fraudulent inquires came to be I have noticed I have many instances of Misinformation reported about me which is fraudulent. I have no knowledge of how the misinformation of these fraudulent Inquires and Ban accounts came to be. I have not authorized misuse of my personal or any information have never received any benefits of the product, or services. I filed a police report and I filed a complaint with the Federal Trade Commission about this matter.
Consumer complaint received 2016-04-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I stopped making payments over 7 years ago to this loan and the bank never foreclosed on the property. They file foreclosure papers in XXXX XXXX, then voluntarily dismissed the case in XXXX XXXX. Case number XXXX is on XXXX XXXX XXXX XXXXXXXX XXXX & XXXX & XXXX XXXX I have not made any payments since XXXX XXXX. This mortgage tradeline fell off of my credit for a brief period last month and then was added back in due to some escrow reversal payments that Bank of America performed and are incorrectly stating that I have made payments. I believe this was done in order to reactive the delinquency period and I do n't believe this is legal. 

Attached are a copy of my XXXX and XXXX XXXX bank statements. 
The XXXX statement shows the bank made Escrow Payment reversals on my behalf in order to reactive the late payment status. The total amount was {$24000.00} I believe they did this knowing that the 7 years of late payments were going allow the tradeline to fall off my credit which it did for a few days. 

Along with that I will now most likely receive a IRS XXXX form for Interest I did not pay. 
XXXX statement : Principal Balance - {$160000.00} Contractual remaining term - 26 years 8 months Total Amount Due - {$73000.00} Days Delinquent - 2512 days ( PDF page XXXX, Delinquency notice ) XXXX statement Principal Balance - {$150000.00} Contractual remaining term - 24 years 2 months Total Amount Due - {$49000.00} Days Delinquent - 1628 days ( PDF page XXXX, Delinquency notice )