davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

In XXXX I opened a new business account with Chase Bank. They were supposed to mail me a debit card and a PIN, but I never received it. I deposited 3 checks for {$7100.00} each. The first one on XX/XX/XXXX, the second one on XX/XX/XXXX, and the third on XX/XX/XXXX. On XX/XX/XXXX, while depositing the 4th check, I checked my balance and realized that something was wrong, because there was only around {$20.00} left in my account. I immediately reported it to the bank and they froze the account. All in all the thief spent over $ XXXX over 6 days. I never received any suspicious activity alerts and the bank did nothing to stop the rapid fraudulent spending. There were many consecutive charges for very large amounts at unusual places ( such as charges for {$500.00}, {$600.00}, {$800.00} at the same quick trip on the same day. After a few days of " investigation '' the Bank sent a letter to me stating that they believed the charges were authorized and the money would not be refunded.The only explanation they gave me was that I never filed a police report and that my mail-box was locked so no one could have had access to it other than me. I called them and faxed them letters and documents ( including a photograph showing that my apartment mail room had many mailboxes that were unlocked and left open ), and I also pointed out to them that there were XXXX deposits made to my account on XX/XX/XXXX. They immediately reversed the deposits that I informed them were not mine, and they reinstated the investigation. They returned around {$6000.00} to my account on a temporary basis while they continue to investigate. Yesterday they again denied a small portion of my claim, while they continue to delay a final decision. I told them that I never received the debit card or PIN so none of the charges could have been me. In other words, the claim must be entirely fraudulent or entirely not fraudulent. This is a business account and XXXX has caused significant economic hardship for me and the employees in my company, so I can not afford their delay tactics. Because they have broken my claim into multiple smaller claims they are preventing me from the clear decision I would need to take legal action if necessary.
Consumer complaint received 2018-11-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

I have an FHA mortgage loan with Nationstar Mortgage and have been struggling with my payments due to a decline in income. I have attempted to obtain mortgage assistance from them, but their efforts on my requests have been a miserable failure on their part. Every time I would send in them the requested information, they would claim that they didnt receive it and then at other times they would say that the information was incomplete. However, I always sent them what they wanted. They have also never sent any written denials or written closures of my file. I was assigned a single point of contact, but he was unable to get the loss mitigation process completed. It has been six years of trying to deal with them and finally they set a sale date on my property. I was having financial difficulties, but was still current on my mortgage payments, when I initially contacted them for help. They said there was nothing they could do since I was not delinquent on my loan. They advised me to go late on some payments and that they would help me. Well, I did what they said and it has been a nightmare. I am now in foreclosure and they are going to take my home away. I believe that they saw that I have significant equity in my home and they are trying to take it away from me for their own profits. Their process and employees seem very confused and I can not get answers, but that has not stopped them from trying to sell my home. I can afford a reasonable payment, but they have completely shut the door on providing assistance. They should at least finish the review they started using my current financial circumstance to see if I qualify for a retention option, instead they are taking my home away through foreclosure. I get letters from them saying they will help, but when I call in to they never help. I have worked very hard to reestablish myself and deserve the right to have my mortgage reviewed for retention options.
Consumer complaint received 2022-08-02
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. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$17000.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2018-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (GA)

XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 Ally Financial Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 Ally Financial Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry fromXX/XX/2018 Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX/XXXX Inquiry fromXX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I previously sent 4 dispute letters to Equifax asking them for verifiable proof that I owe this debt in terms of my wet ink signature or do they have any camera footage or anything the shows 100 % accuracy according to the FCRA section ( 609 ) that I owe this debt to XXXX XXXX XXXX XXXX. On one occasion I sent Equifax a non-response letter certified mail because they never responded to my initial dispute and it was almost two months later when they had 30 days to investigate and they still did not delete these two negative accounts. I even have a copy of the letter from XXXX XXXX XXXX XXXX stating that they have concluded these accounts does not belong to me because they could not validate the account information on their files.
Consumer complaint received 2020-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

The payments allocation was not correct. I had a minimum payment of XXXX dollars and made a payment of XXXX dollars. On my credit card I have multiple interest balances ranging from XXXX to XXXX % APR. The allocation of my payment should follow the rules set by The Card Act of 2009, where the minimum payment ( XXXX dollars ) should be allocated as the issuer wishes and the excess payment MUST be allocated to the highest interest balance. But Discover did not allocate my payment as such, they allocated most of my payment to lower interest balances.
Consumer complaint received 2020-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KEYCORP (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2022-08-02
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. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (WA)

I received an attempt to collect a debt from XXXX, a debt collection company, dated XX/XX/2021 in the amount of {$310.00} The debt states it is from a Paypal account. 

I do NOT have a paypal account.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Since becoming pregnant in XXXX and the pandemic I have been struggling to pay my car note. I called in XXXX of XXXX to advise that I would be having issues paying my bill and wanted to see if there was any assistance available. I was placed in the Covid protection program. At the end of each I would make my payment if I could.

After living off of my savings for 2 years, I have no money. I called credit acceptance to see if there was anything more that could be done so I could keep my vehicle and my credit not be impacted due to the global pandemic. They would advise for me to just make payments that I can afford to pay, they reassured me that I would stay under covid protection. In the mist of not qualifying for unemployment benefits and not being able to find a job that paid enough to allow me to send my newborn to daycare, I missed XXXX payments. 

I called credit acceptance in XX/XX/XXXX to explain what was happening and why I missed the XXXX payments and begged them to keep me on covid protection. Even though prior to XXXX, I was not late or missing a payment, they refused to put me back on covid protection. I am in a single-mother group that shares helpful information with each other and XXXX of the mothers told me that the same thing happened to her and she was able to get back on the program and her credit was not affected. 

Since not being placed on the XXXX XXXX XXXX, I have still been making payments when I can, but my credit has been hit extremely hard, so much so that I can't get approved for an apartment for me and my daughter. 

My XXXX XXXX was XXXX, and because of covid and credit acceptance, my score is barely at XXXX. I really need help, I'm not deep enough in debt to be able to file for bankruptcy, credit acceptance is what is hurting me the most. 

Currently, my daughter and I are living in our car since I can't get approval for an apartment that is in a safe neighbor for us both.
Consumer complaint received 2020-08-08
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: EQUIFAX, INC. (LA)

I have filed multiple disputes to have an account with serious delinquency removed from my Equifax credit report, latest being on XX/XX/XXXX. The date of first delinquency of the account in question ( XXXX  XXXX XXXX ) was XX/XX/XXXX. I was told by the agent on the phone that the account should have fallen off XX/XX/XXXX but just received dispute results and they are not removing the account. When I called back the Equifax representative tried to tell me that the account was not negative and thats why it wasnt being removed, which is not true. I feel like I am just being routed to call centers in XXXX with unknowledgable staff and given the run around when the issue at hand has a very serious effect on my financial future.
Consumer complaint received 2020-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

I am trying to link my PNC account with XXXX. PNC has security in place preventing this and stating that the issue is on XXXX end. The service XXXX provides is a round up service so any time I use my debit card it will round up the charge to the nearest dollar and send the change into my acorns account for savings. This is my money reguardless of the mini transactions occuring there ; I should be allowed to make these charges with my own money.
Consumer complaint received 2020-08-08
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: WELLS FARGO & COMPANY (VA)

I have a loan with XXXX XXXX, XXXX XXXX, and WFDS/WDS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and XXXX XXXX, XXXX XXXX, and WFDS/WDS with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2018-11-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK (TX)

I co-signed a student loan for my nephew. His monthly payment is {$100.00}. He is late on his XXXX payment, and I have been repeatedly harassed by Discover Student Loans for the past several days. 
Today alone, they called at XXXX XXXX, XXXX XXXX., XXXX XXXX., XXXX XXXX., and just now at XXXX XXXX., when I told the person on the other end I was filing a complaint for harassment. What did the person do? HANG UP ON ME! 
In addition to these repeated calls, this is what I have had to endure : -REPEATED emails -A letter in the mail threatening, " We provide payment history to consumer reporting agencies each month, so please remember to pay the past due amount and the regular monthly payment to bring your account current. '' ( I encourage you to check my credit history! It is impeccable! ) -I could not figure out why I started getting REPEATED calls AND TEXT MESSAGES from companies offering to help me pay my loans. I could not figure out why, but now I know they got MY INFORMATION from DISCOVER! AGAIN, CHECK MY CREDIT! This is severe harassment against someone with impeccable credit because my nephew is ONE MONTH behind on his loan payment. Here are a few of those messages : " HI XXXX. You could be pre-approved 4 up to 5K in assistance. '' From XXXX ( XXXX ) Thursday, XX/XX/XXXX, at XXXX XXXX. 
" Greetings XXXX. you may be approved 4 as much as 2K in assistance. '' From XXXX ( XXXX ) Thursday, XX/XX/XXXX, at XXXX XXXX. 
" XXXX, I want to make sure we have a call. Call me back to talk about forgiveness for past college cost. '' From XXXX XXXX, XX/XX/XXXX, at XXXX XXXX. 

I have blocked each of these numbers and have reported them, but when is enough, enough?? 

PLEASE HELP ME STOP DISCOVER FROM HARASSING ME!
Consumer complaint received 2021-06-25
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. (CA)

On or about XX/XX/2021, I used my Citibank card to purchase two round-trip flight tickets from XXXX air for {$1100.00}. We flew on the outbound leg but XXXX canceled the return flights. XXXX was unable to provide a replacement return flight. 

I attempted to get a refund from XXXX, but they did not follow their own procedures and failed to provide a refund in a timely manner. 

I initiated a dispute for {$570.00} ( half of the amount charged ) on XX/XX/2021. 

The only communications that I received from Citibank were : - An immediate communication stating that a temporary credit was being provided. 
- An email on XX/XX/2021 stating that they had contacted the merchant - An email on XX/XX/2021 stating that they had received information from the merchant and would contact me within 10 business days. 

On XX/XX/2021, I logged in to my account to find that the dispute credit had been reversed. After talking with various Citibank representatives, it seems that Citibank intended to send me a letter requesting more information. However, a review of my records shows that they never did so.
Consumer complaint received 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX is falsely reporting a high balance on my credit report. I had a vehicle with them opened in XXXX of 2015 for approximately $ 12K. I voluntarily surrendered this vehicle and the remaining balance is $ XXXX after the sale of the vehicle. My equifax credit report shows the accurate $ XXXX tradekime but tally also added another $ XXXX tradeline onto my equifax credit report. It goes without saying that this is negatively impacting my credit score. This trade shows a term of one month, no payment history, and also that it was charged off. I have tried to contact XXXX XXXX XXXX to update my credit report removing this negative information to no avail. Please help.
Consumer complaint received 2018-11-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I received a promotional offer from Citibank to open a new checking and savings accounts requiring completion of qualifying activities to earn a cash bonus and would receive the {$600.00} bonus after the conditions have all been met as outlined below : 1. Open a new Citi Checking and Citi Savings account. ( I opened both accounts on XX/XX/18 ). 

2. Within 30 days of account opening, deposit a minimum of {$50000.00} in either new account. ( I deposited {$1000.00} in new checking and {$49000.00} in new savings account on XX/XX/18, same day I opened the accounts ) 3. Maintain a minimum of {$50000.00} for 60 consecutive calendar days following the date of deposit. ( Yes, I never made any withdrawals at anytime ). 

4. The Cash Bonus of {$600.00} will be credited to the new Eligible Checking Account within ninety ( 90 ) calendar days from the date you complete all other requirements. 

5. I've spoken with two supervisors on two separate occasions and they both confirmed that I've met the qualifying activities to earn the {$600.00} bonus. They confirmed the 60 days plus 90 days would have occurred on XX/XX/2018 and they both agreed I should get the {$600.00} cash bonus by this date. 

I called Citi on XX/XX/18 @ XXXX XXXX they said it is being investigated. 
I called Citi on XX/XX/18 @ XXXX XXXX  said it investigation is being escalated. 
I called Citi on XX/XX/18 @ XXXX XXXX they said should be resolved soon. 
I called Citi on XX/XX/18 @ XXXX XXXX spoke with XXXX. She said the money will be deposited by 1-2 business days and that I have met all the qualifying criteria and I should have received the money back on XX/XX/18. 
I called XX/XX/18and confirmed the {$600.00} has not been deposited in either checking or savings accounts. 

In all discussions with the bank, they all agree that I have met all conditions of the offer but no one is able to credit my account. 

XX/XX/18 Went to the XXXX, CA branch and spoke with XXXX XXXX the rep that I opened the account with originally back on XX/XX/18 and she remembered me and checked her computer and called Citibank promotion dept and again, she confirmed that I did qualify for {$600.00} however " the process needs to go through another step '' and she will contact me when she gets additional information. Again, this is another attempt to stall or not honor their promotion. 

This promotion appears to be some time of scam to defraud consumer of their money so Citi can take advantage of the high flying stock market and use consumer 's money for free.