davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (IL)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : ; Americollect in the amount of XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. [ If you have a lawyer, state that you have legal representation and provide that persons contact information ]. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 7 days. Please provide me with the contract with my WET INK signature stating that I am legally bound to pay YOU. Please do not send me an alleged bill/statement from another company for this is considered identity theft you have recieved my information without unknowingly to me without MY knowledege or approval.
Consumer complaint received 2022-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

We have been banking with Chase for approximately 14 months now. We opened a business checking and savings account. We are a general contracting company. We deposit large checks over {$10000.00} from time to time. We recently deposited a check for roughly {$10000.00} through Chase Bank 's mobile app. The deposit was made on XX/XX/2022 which was a XXXX XXXX. The following day the funds were made available and the bank cleared 3 or 4 transactions. Some hours later my husband attempted to withdraw {$200.00} and the transaction was declined. I logged into my online banking and saw a negative balance of {$3400.00}. in our account. My husband went into the branch to inquire and was initially told that because the check was made out to him personally they placed a hold on the funds. When we advised them that we were told when we opened the account that that would not be a problem they changed the reason to well you haven't made a large deposit like this in a while. We asked how we could facilitate getting the hold released and were told to get proof from our customer 's bank that the check had cleared. We complied with their request and the following day presented proof that the check had cleared. XXXX XXXX XXXX, the branch manager/vice president still refused to release the hold stating that the copy provided was not legible enough and to get a better copy. By placing a hold on all but a couple hundred dollars the bank caused our account to become overdrawn by {$3400.00}. I went into the bank the next day to speak with XXXX XXXX and he refused to answer any of my questions stating he had discussed the matter with my husband and would not discuss it again with me. I went to another branch where I normally go and provided them with the same documents. They went online and requested that the hold be released stating that I had provided proof the funds had cleared. Regardless, the bank did not release the hold. I spent XXXX XXXX hours on hold after being transferred twice and nobody ever answered the phone. I believe that the bank failed to comply with Regulation CC which requires notification of any hold be provided to the customer in writing, which was never done and, for deposits over {$10000.00}, that at least half the money be made available within 2 business days. I have made complaints with the Federal Reserve and OCC and am contemplating a lawsuit for conversion, intentional misrepresentation and emotional distress. Chase Bank has unreasonably shut down our business by preventing access to our money. We have never bounced a check nor have we ever deposited a check that was returned. There is simply no legitimate reason for the bank to have done what they did. I believe Chase has a pattern and practice of placing unreasonable holds on their clients funds in order to make money off those funds for their own gain.
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: Experian Information Solutions Inc. (TX)

Please be advised I called Experian about my credit report around XX/XX/2022 regarding opening my credit report because I keep it locked. On XX/XX/2022 I was provided a time slot of XXXX to XXXX for opening my credit report, thereafter Experian would close the report. On XX/XX/2022 I found my credit report unlocked. I called Experian about this situation and at the same time after reviewing my credit report, I realized there were some other inaccuracies. I brought it to the attention of Experians customer service representative. The agent dismissed all of my concerns. As a result, I filed two complaints on line about the inaccuracies on my credit report with Experian. A week later I received an email about my Experian report. I open the report only to find that my credit score had plummeted XXXX points. I called asking why did Experian representatives lower my score, they denied any wrongdoing. Yet my credit card now seemed to have reached it maximum credit availability when in fact the week prior my credit report had the correct credit availability for my credit card which was more than twice the amount owed for available credit. A week later I went on Experian again only to realize that my credit score went down an additional XXXX points. 

Since I called Experian the first time to make corrections, instead of the agents being helpful, they took advantage of their position, they created havoc by falsely inputting information on my credit report.
Consumer complaint received 2016-12-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial (OH)

I took out a {$700.00} loan with SpotLoan. The interest being charged is much higher than I expected. I had not idea that the interest charges would be as high as they were. It is exuberiant as to the fees they are charging. I belive this is an illegal tribal company and I do not wish to be a part of this. I also ca n't find where I was provided a copy of the loan and do n't see an option to view this in my account.
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: STERLING JEWELERS, INC. (GA)

In XX/XX/XXXX I opened a Jared account through XXXX  XXXX. I eventually opened a Kay 's account as well which are both branches of sterling. Well I purchased a ring for XXXX and a pair of earrings for XXXX. 5 months after having accounts open I had available credit of XXXX and same through Kay 's. In XXXX they froze my accounts. Never once was I late, always paid early and on time I tried to use the card ( Jared 's ) beginning of XXXX and it said available credit limit XXXX but XXXX amount to use. As of today I should have XXXX available at Jared 's to use. I called them again today to inquire why the account I opened online shows I have XXXX credit limit but XXXX available to use. I was told I had to go in store to have accounts unlocked. There was never a Jared near me the closest Jared is almost 3 hours away. There wasnt a problem opening the accounts and allowing me to make 2 purchases but the only way they say they would unlock my account is if I go into store. This is like a scam. They get you to buy something and then freeze your limit. So then you must go instore for a review. I didnt apply in store. I applied and purchased online. I am not able to shop in stores due to having XXXX  XXXX  child. The account was only open 5 months and I didn't find out til today that I had to visit in store to get my available credit limit unfrozen. That is fraud, Its almost like a scheme. Something should be done.
Consumer complaint received 2022-08-25
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00}, XXXX XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$5200.00}
Consumer complaint received 2022-11-13
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: PNC Bank N.A. (GA)

I contacted XXXX, XXXX, and XXXX on XX/XX/01 and was told I needed to file out an FTC report to get inquires removed.
Consumer complaint received 2022-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (TX)

XXXX XXXX XXXX XXXX XXXX is attempting to collect on a debt that has expired concurrent with the statute of limitations. Statute of limitations law in Texas is 4 years for credit card debt. The statement I just received from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in response to my debt validation and dispute, is dated XXXX. I have communicated to them in my dispute that the debt is not mine as the statute of limitations has expired on this debt therefore they can no longer collect on said debt. They refuse to comply. I have been disputing this collection for several months to no avail. The debt is no longer valid and 3rd party collection agencies keep trying to buy it and force me to pay it, which is having negative affects on my credit worthiness.
Consumer complaint received 2022-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (WA)

Hello, I have submitted two pervious complaints about the unethical practices of Citi. I opened an account with Citi and they would not give me access to my account and continued to flag my account for fraud because I didn't have what they considered to be the right phone number. 

I don't live near a Citi bank so I ended up flying to XXXX  specifically to deal with Citi and unlock the account. I went into a branch near XXXX, gave my ID and passport to the manager and sat for an hour while he unlocked my account. He apologized a lot for the inconvenience and was super helpful. I should have closed then and there but the manager was so helpful and assured that was a unique incident. He even updated my phone to a new number on my account. 

I left and went back to my home away from a Citi bank and within days my account was blocked and I could not do anything because they said my phone number wasn't correct again. So I used my checks to withdraw all the account 's funds and sent an email to the bank manager in XXXX as well as called the Citi hotline numerous times, but again, they would not close my account because they said they couldn't verify my identity because of my phone number. 

Then, they have continued to send me emails saying I owe THEM fees because I didn't close the account and the balance was 0. Recently, they sent a message saying they closed my account and I owe them XXXX $ or they will send to collections. 

How is this possible? They wouldn't let me close the account over the phone or online, I don't live near a branch and the only option they provide is to fly to a close branch and do it in person. They already locked me out of my funds for over 5 months and forced me to make a trip to a city with their branch because of their obsolete protocols, then they won't let me close and try and charge fees??? 

I am extremely happy they closed my account as I want nothing to do with this awful bank and I have already opened accounts with other more reliable firms, but charging fees for not closing my account sooner when they blocked me from closing my account sounds like it should be illegal.
Consumer complaint received 2022-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

I overpaid my credit card account and am owed a total of {$780.00} and was contacted/advised that my account was closed due to XXXX reporting that I was a high risk account. 

I have earned approximately {$930.00} in rewards for use on the Amazon card through Amazon 's website. I was told these rewards would be forfeited. 

I believe the account was either mistakenly closed or closed due to inaccurate information obtained from XXXX or provided to myself. 

I spoke with XXXX, ID XXXX XXXX, Manager, and he explained to me that the points would be forfeited upon the account closure at their pleasure. I find this to be unacceptable since it was already agreed upon that I would receive points for making purchases on Amazon 's website.
Consumer complaint received 2016-04-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (CA)

Commonwealth financial is trying to collect a debt that 1. Has already been paid 2. Accounts were removed my my XXXX credit file in XXXX XXXX and commonwealth re added the accounts ( after removal ) in XXXX XXXX. 1. Accounts were paid 2. Accounts are past the statue of limitations on which it can collect.
Consumer complaint received 2022-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NC)

For approximately three years, I have submitted required information to XXXX XXXX for a loan modification from XXXX XXXX and the company has denied my request. In response to instructions from XXXX XXXX, I paid for a Broker Price Opinion and the Broker Price Opinion 's was higher than what XXXX XXXX initially said. XXXX XXXX still has the lower valuation noted on my account and again, denied my loan modification. 


Therefore my complaints against XXXX XXXX are the fee I paid for the Broker Price Opinion, failure to review my loss mitigation options within 30 days and the misrepresentation of my property valuation, my payment history and the pay-off amount.
Consumer complaint received 2016-05-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivable Solutions, Inc. (SC)

The company Receivable Solutions Inc reported collection account on my credit report without sending me notification in the mail that I owed this amount to them. 
I owed a medical bill to the XXXX XXXX XXXX. My South Carolina Income Tax was garnished to settle this bill. I received a bill from the XXXX XXXX XXXX asking me to mail a payment to them for the remaining balance. It said make check payable to XXXX XXXX XXXX. It never mention Receivable Solutions. A representative from Receivable Solutions stated that they sent me a letter in XX/XX/XXXX. I have not received a letter from them stating that I owed {$180.00} and that I had 30 days to dispute this amount before it would be reported to my credit report. I was making payments to the hospital. Receivable Solutions reported a collections to my account for a balance of {$180.00}. They never sent me a letter in the mail giving me a chance to dispute or pay this amount before they reported this to credit bureau. This is a violation of Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. They should have sent me a letter stating that I owe this amount before they reported and put the collection account on my credit report.
Consumer complaint received 2016-08-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Security Credit Services, LLC (MS)

Hi, I 've been contacted many times by this collection agency and they are claiming it 's my debt when it 's not. I 've repeatedly asked them to stop and put it in writing for them to stop. I 've disputed the validity of the debt and the only thing they have on me is a SSn. I do n't know what to do. Please help.
Consumer complaint received 2022-01-23
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. (UT)

All 3 Credit Bureaus have again deemed my Investgation/Re-Investigation as " accurate '' and Verifiable. However, I have now called the Credit Union and spoken with a representative who has informed me that NONE OF THE CREDIT BUREAUS have contacted them in regards to any disputes with 2 of my accounts ( or my husband's- the accounts are joint ). She explained that there would be notations on the credit union end stating that XXXX, XXXX or Equifax would have send an investigation request and the date of said investigation. NONE OF WHICH HAVE EVER SENT A REQUEST!!! This is becoming an actual joke and waste of time for consumer 's to have to go through this, fighting for their right 's to be upheld! 

Letter # 1 ( XXXX ) - 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( XXXX ) XXXX /Received : XXXX /Submitted for Investigation : XXXX Response from XXXX XXXX - Results : Unchanged Acct # XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in XXXX ( XXXX ) XXXX XXXX Submitted for InvestigationXXXX Response from XXXX : XXXX - Results : Unchanged Letter # 2 ( XXXX ) - : WRONG ACCOUNT NUMBERS INCONSISTENT DATE OF LAST ACTIVITY XXXX/XXXX/Equifax All Reporting Inconsistent - No Way the Verified with XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( XXXX ) XXXX Rcvd :? XXXX /Submitted for Investigation : XXXX Response from XXXX : XX/XX/XXXX - Unchanged Acct # XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in XXXX ( XXXX ) Sent : XXXX Rcvd :? XXXX /Submitted for Investigation : XXXX Response from XXXX : XX/XX/XXXX - Unchanged Letter # 1 ( EQUIFAX ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer 0616 4.6 ( XXXX- {$520.00} ) Certified Mail Ending in : XXXX ( Equifax ) Sent XXXX XXXX / Rcvd : XXXX NO RESPONSE XXXX XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in : XXXX ( Equifax ) Sent : XXXX Rcvd : XXXX XXXX RESPONSE Letter # 2 : ( EQUIFAX ) Past 30 Days-NO RESPONSE /Demand for Delete 0616 4.6 ( XXXX {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX / XXXX XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in : XXXX XXXX Letter # 1 : ( XXXX ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd :?/ Submitted for Investigation? NO RESPONSE XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd :? /Submitted for Investigation? NO RESPONSE Letter # 2 : ( XXXX ) Past 30 Days-NO RESPONSE /Demand for Delete XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd : XXXX /Submitted : XXXX XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd : XXXX /Submitted : XXXX
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MD)

From XXXX XX/XX/XXXX to XXXX XX/XX/XXXX, Chase credit card charged me 5 transaction fees totaling {$52.00} and 2 cash advance interest fees totaling {$12.00} related to XXXX payments. Prior to the XX/XX/XXXX transaction fee, XXXX transactions were not assessed a fee. Chase did not inform me of the change to its fee structure. I requested refund of the fees but Chase said it could only refund 2 of them. I would like all of the fees refunded because Chase did not clearly and plainly communicate that XXXX transactions would be newly subject to them.
Consumer complaint received 2022-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

RE : XXXX XXXX Business Streamline Checking Account Number : XXXX Dear Consumer Financial Protection Bureau ( CFPB ), While visiting a Citibank branch on XX/XX/2021, I opened a new Business Streamline Checking Account. According to the business relationship banker who opened my account and the Citibank website, I was eligible to receive a {$1500.00} sign up bonus if I ensured the following conditions were met : Within 30 days of opening your account Qualifying Balance Period, deposit {$100000.00} new-to-Citibank funds into the Streamline Business Checking Account Maintain balance of {$100000.00} for 60 days after the " Qualifying Balance Period '' o Qualifying Balance Period = 30 days o Maintain balance of {$100000.00} = 60 days o Total amount of days = 90 days I have met all of the aforementioned conditions to be eligible to receive the sign-up bonus. Below is a chronological order of events which illustrate that I in fact met all the conditions required by Citibank : XX/XX/2021 : Opened account XX/XX/2021 : Deposited {$100000.00} new-to-Citibank funds into my new Streamline Business Checking Account As required by Citibank, I funded the account within 7 days ( requirement is within 30 days ) As required by Citibank, I maintained a minimum balance of {$100000.00} in my new Streamline Business Checking Account for a period of 93 days through XX/XX/2021. Citibanks requirement was a total of 90 days : o Qualifying Balance Period = 30 days o Maintain balance of {$100000.00} = 60 days On or around the 5-month mark after opening this new account I became very concerned that the bonus I earned was not yet awarded to me. I immediately called Citibank to try and resolve the issue, but after 4 telephone calls, 3 hours waiting on the telephone for someone to answer my call and address my concerns, my issue remains unresolved. 

I am 100 % confident that I have met the required conditions and am eligible to receive the {$1500.00} sign up bonus. 

I am hoping your organization can help me. 


Thank you, XXXX XXXX
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (IL)

I was denied credit by Synchrony Bank because it said I was deceased. I called the number XXXX listed on letter it was for a XXXX account. I called XXXX  and they said I was listed as deceased and asked me for SS number and what credit cards I had balances ext. they said SS office reported me as dead. So I called SS they said they do not have me down as deceased and I am still receiving SS XXXX check. I am worried I gave info to a scammer and also need to fix report that I am deceased. You