davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MIDFIRST BANK (CA)

Greetings, I opened a XXXX XXXX XXXX' checking & saving accounts with XXXX Bank on XX/XX/XXXX. At the time, XXXX was offering a {$250.00} bonus for opening & funding new XXXX XXXX XXXX XXXX XXXX  accounts, provided certian conditions were met. I met those conditions yet did not receive the {$250.00} bonus. I've contacted XXXX several times and have been advised that the matter is under investigation but never receive a cofirmation of the monies due. 

According to XXXX 's terms & conditions, in order to qualify for the {$250.00} bonus, one must receive ( 2 ) direct deposits of at least {$1000.00} within a 90 day period from account opening. I submitted deposits as follows : XX/XX/XXXX : {$1000.00} - XXXX XXXX | XXXX Distribution XX/XX/XXXX : {$1000.00} - XXXX XXXX XXXX XXXX Distribution As I've fulfilled the required as stated per XXXX 's terms & conditions, I respectfully request XXXX credit my account XXXX with the {$250.00} bonus I am due. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2020-03-24
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NJ)

completed intake information with Quicken loans on XX/XX/2020 by the time i hit submit - Quicken Loans called me. 
with in a few minis, I had to complete the information requested in order to get a current rate. 
The intake asked me for my SS # and Date of Birth - by doing so - I asked will I get a copy of my report? I was advised to speak with another department after the service for that information. 

Afterwards I was transferred to another department - Client relations where I was told - That I can not get my full report that they pulled - but I can go to another website to get my information. That Quickenloans / DBA Rocket Mortgage - did not disclose to me that before taking my information - they refuse to give me a copy of that credit report - it's their policy. 

1 ] Upon their web Site - it does NOT Disclose that information before submitting your information. That it's Quicken Loans / Rocket Mortgage Does NOT Provide the applicant with their Credit Report. 

2 ] While on the call - that information is NOT DISCLOSED to the applicant before giving that information. - I was advise that Client relations will give you that information? 

I find it to be a bait and switch - misuse of personal information This is a violation of-. The Fair Credit Reporting Act. 



Phone number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mich. XXXX
Consumer complaint received 2023-03-31
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2023 I disputed a charge on my bank account from XXXX because I ordered an XXXX XXXX and never received it. I called XXXX and told them I didnt receive the package. I had just gotten home from grocery shopping for my daughters birthday and I was suppose to get a package from apple through ups but when I got home it wasnt there so I called and reported it and was told they would investigate it. Later that day I was told there was nothing they could do about it so I called 911 to make an incident report and I was directed to the online and made a police report about the incident. And XXXX refused to refund me even though I spent about XXXX $ and didnt get the product so after trying everything I could I did a chargeback with my bank. And they gave the temporary credit for a day and then a day later reversed it. It just doesnt make sense why I would have to pay for some product I never received in the first place? I dont know what to do anymore but if this doesnt get solved then I need to reach out to the OCC.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Equifax is reporting an unknown address on my report. Please remove XXXX XXXX XXXX XXXX XXXX, LA XXXX from my credit report immediately! I have never lived here and this address was used to get an account in my name that resulted in me having a collection which was cleared due to the ftc claim and police report. I will be seeking litigation if this is not removed.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since XX/XX/XXXX I am requesting XXXX XXXX to show a second mortgage account as closed in my credit report and they ignore me. I even talked to them over the phone last year and they recognized it was a mistake and agreed to fix it but the account still shows as an open account in delinquency. This house was sold by the bank by XX/XX/XXXX.
Consumer complaint received 2023-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OPTUM BANK, INC. (WA)

I had an HSA account through my Employer with Optum Financial. 

I have recently retired and I am trying to consolidate the balance of that HSA account into my XXXX  HSA Account. 

I followed thier instructions and filled out the transfer form, mailed it to them ( weeks ago now ) and they tell me today it will be 5-6 weeks to get my money transferred, without getting any interest while I wait, and I may have to pay some undetermined fees to get my money. 

This is rediculous. There is no reason they can not transfer my money via EFT to my XXXX account immediately. 

Can you help me? 

Optum Financial XXXX Thanks XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-08
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: CL Holdings LLC (NE)

The philosophy of XXXX XXXX and XXXX seem to be that they allege you owe a debt and the consumer just deals with it or pays debts that are not theirs in order to finally have them removed from a XXXX XXXX XXXX. This is a direct violation of Federal Law 15 U.S.C. 1681. 

I also disputed the presence of Jefferson Capital Systems being listed on my credit reporting file, I have not received documentation from either XXXX or Jefferson Capital Systems as requested. I have requested signed documentation authorizing the original account be opened in my name and social security number. No documentation was ever provided by either company. I requested this in order to have the signature compared to years of my signatures to assist in prevention of identity theft and to ensure 100 % accuracy of my credit reporting file. 

I have attached a copy of my dispute letters and every tactic they have used to prevent correcting the bad information, up to and including their claim in one letter that they could not even locate my credit file, as you can see in my dispute letters, they were given their own information to identify my credit file. 

How can a credit reporting agency be trusted to ensure accuracy of the information they are reporting, when they can not even locate a consumer file with their own information and a copy of their own report included with each dispute?
Consumer complaint received 2020-04-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Choice Recovery, Inc. (GA)

on XX/XX/20, I received an email from by credit card company notifying me that my credit score had dropped. This prompted me to check my credit report to see 2 collection accounts on my credit file from Choice Recovery , Inc. ( collection agency ) each for {$35.00} with XXXX XXXX XXXX. I had never heard of Choice Recovery , Inc. until XX/XX/20. I called XXXX XXXX XXXX and they confirmed they had made an error and the account had a XXXX balance. 

Choice Recovery , Inc. has 2 collection accounts on my credit file and did not validate the debt or give me opportunity to dispute the debt. The false reporting remains on my credit report. Choice Recovery, Inc. needs to be held responsible for making false reporting to the credit bureau 's and causing damage to people 's lives. 

thank you for your role in helping with this situation and putting Choice Recovery , Inc. on notice for their actions.
Consumer complaint received 2023-03-31
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: EdFinancial Services (NY)

As of XX/XX/ Ive notice this fraudulent account XXXX XXXX XXXX XXXX Amount owed {$4500.00} this is a list below of fraudulent inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

I contacted CFPB in XXXX concerning this issue. 

Thankfully, the company claimed to delete the issues I stated. I've attached the notice from the company. 

But these charges are STILL appearing on XXXX XXXX. XXXX XXXX claims the company has NOT deleted the items. 

I want them to delete immediate as they promised.
Consumer complaint received 2020-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (WI)

On XX/XX/2020, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$400.00} bonus if I received {$4000.00} in direct deposits within three months of opening the account. On Friday, XX/XX/2020, I reached that objective. On Tuesday, XX/XX/2020, I logged into my Wells Fargo checking account and learned that the account had been closed by Wells Fargo. Ive attempted to call Wells Fargo customer service multiple times, and repeatedly get the message that They are experiencing unexpected high call volume and are unable to take my call at this time I also have my mortgage, 401k Retirement account and credit card with Wells Fargo. I believe the checking account was closed simply because I achieved the goal to receive the {$400.00} bonus.
Consumer complaint received 2023-03-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Bureaus, Inc. (GA)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE (LA)

In XX/XX/XXXX, I reviewed my credit report and became aware of medical collections. To my knowledge, I have not failed to pay any medical bill. I have lived at the same address for XXXX years. I sent a debt validation letter to : AVANTE USA XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, TX XXXX regarding this account listed on my credit report : Original : Medical Balance : {$2000.00} Opened : XX/XX/XXXX I have given their office 30 days to respond to the validation letter. They have failed to respond. I am attaching the XXXX that was sent to them on XX/XX/XXXX
Consumer complaint received 2022-04-08
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: JPMORGAN CHASE & CO. (UT)

Chase said I forfeited my points due to a closed account XXXX XXXX XXXX I closed the account due to the higher {$550.00} fee than I originally agreed to. They will not give me the XXXX points from my account. I was never alerted to the forfeiture of the XXXX points. I also have an active chase mortgage account but they will not count that as an open account. 

I offered to reopen the account or open a new account but they will not do anything to rectify this issue. 

I called to close the account on or about XXXX. I was notified it was actually closed XXXX. I contacted chase about the missing points on or about the XXXX of XXXX. 

Ive contacted them twice via phone once via social media and went to a branch to try and get some help. They all were not able to help me or provide the cancellation call where they informed me I was going to lose the points.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/2023, would be the first time, in my XXXX years of life, that I would be using my social security for something unrelated to work or school. It would be that day when I had submitted a guaranteed to get apartment with our chosen residence. Unfortunately though, our profile had been flagged under my name. We didnt know what was wrong and the office of our complex recommended us to contact Equifax immediately because it was flagged due to fraud. And so we did. XX/XX/2023 would be the first day I called Equifax. The first agent I spoke to ( who was the MOST and ONLY informative agent ) told us we should fax my proof of documentation immediately, which included, birth certificate, social security card, check stub, and a letter explaining the situation. He also gave me the name of the individual that had a link with my social. So that same day my mom and I faxed my information down to Equifax. We were told it would only take XXXX hours for them to receive the fax. After the three days, we contacted them XX/XX/2023. Then we were told it should be processed by the next day. Guess what? No fax received. So when we called the next day, XX/XX/2023, we were recommend to instead mail all my information. So on the same day, XX/XX/2023 we mailed it. The agent told us it would take them about a week to receive and process it, depending on how long it takes them to receive the mail. So I paid for express shipping. They shouldve received it by XX/XX/XXXX. XXXX weeks went by, and as of XX/XX/2023, I had found out that Equifax had removed ME off of my own credit file. When I asked why, they told me that the other individual had a credit card and actual credit under the file, so they removed me. Even regardless of all the actual PROOF I sent them, they still removed me. They didnt even consider the fact that I just turned XXXX in XXXX, what credit would I have? So from there on out I cant check and see if there is any more fraud activity present under my report because they wont tell me anything because technically it isnt my social. A long the way, I also found out that instead of freezing my credit as a whole, Equifax froze me under my credit instead of the person who is using it as fraud. In result, I couldnt even report to XXXX or XXXX because of that. Because of Equifax my family and I were almost homeless. I was so frustrated that the only thing I could do was cry. I never felt so powerless in my whole life. I never felt so lost and so out of options. I sent a letter to Equifax three times. THREE TIMES. And all they did was give me the run around. It hurts so much to know when citizens experience things like this we literally have no where to turn, because where we are supposed to turn doesnt even do their jobs. I honestly want to sue Equifax.
Consumer complaint received 2020-03-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (NJ)

Now this account originally was with XXXX XXXX XXXX which was disputed in writing and then on this website which was removed and deleted. Which I have proof for {$120.00} back in 2019. Now I recieved a letter for the same amount for the samething but from a different collection agency. Now you are in several violations of the Fair Credit Reporting Act as well as HIPPA violations.
Consumer complaint received 2021-11-26
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Hello, I wanted to inform you that i am currently experiencing difficulties with Bank of America during the process of getting a loan modification on my mortgage, its been an ongoing process since last year XXXX up until the end of this year XXXX i have submitted financial information and all required documents but gave yet to receive an official answer which has left me in limbo about how to proceed on my home.
Consumer complaint received 2022-03-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NC)

loan care which is my mortgage company through my va loan, put me in forbearance upon my request for 60 days. however, they keep sending me letters asking for my missed XXXX payment of 2022. i dont know why they keep asking me for this whenever they put me in forbearance. they also told me they cant help me in regards to me being a XXXX vet with no job and if the issue arises to where im no longer able to pay the mortgage to them. i am a XXXX veteran and i am permantely and totally XXXX through the va as well and that means i cant work. i am requesting assistance in getting the loan paid off as much as they can help me with it
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (WI)

I told them what happened they just deemed my account as fraud but never took care of the credit card itself. 
this was a few months ago in XXXX of 2021 then I went back to Chase bank to see if they can help me at a different branch. They just closed the account but never fixed the issue with the credit card.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (PA)

XXXX loan was paid in full on XX/XX/XXXX by insurance company and title was released to insurance company. Gap coverage was selected but was not processed by dealer properly on loan documents. After loan was processed and submitted to Ally Financial the contract was determined to be either incorrectly stated or omitted for Optional GAP contract by dealer. This was not my error and Gap coverage was selected and should have covered the difference and therefore no remaining balance was due. Ally and their collection agency continue to report this as unpaid debt to credit bureau. I have disputed this several times. I phoned Ally Financial on XX/XX/XXXX and the gentleman could not locate my account and stated he was transferring me to an Account Specialist but instead transferred me to their collection agency XXXX XXXX XXXX XXXX. They demanded payment but I did not contact them but was transferred to them by false misinformation.
Consumer complaint received 2020-03-23
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. (OK)

I have submitted several disputes with Equifax concerning false an inaccurate information from XXXX & XXXX in my credit file. 
An account they bought from XXXX XXXX. 
Everything about the account is wrong, Date, payments and amounts But Equifax refuses to remove the account from my file and they have no information to support that the account is accurate
Consumer complaint received 2020-04-19
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

see attatched ID THEFT case XXXX XX/XX/XXXX USAA Rep XXXX CONFIRMS " YOU HAD NO FRAUD REPORT XX/XX/XXXX YOU HAD DISPUTES ** THEY WERE NOT IN YOUR FAVOR. see attatched CREDIT CARD FRAUD CLAIM LETTER dated XX/XX/XXXX CLAIM DATE XX/XX/XXXX {$470.00} CONFIRMS UNAUTHORIZED TRANSACTIONS DID OCCUR & TEMPORARY CREDITS MADE PERMANET. XXXX has finally explained WHY THERE ARE NO USAA CREDITS TO MAKE PERMANET. ( *** USAA DENIED MY RIGHT TO REPORT FRAUD XX/XX/XXXX. *** ) USAA HAS HELD ME LIABLE FOR FRAUD SINCE XX/XX/XXXX.
Consumer complaint received 2020-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

To Whom It May Concern, My Name is XXXX XXXX, and I've been a Wells Fargo account holder since XXXX. Being XXXX, a father of XXXX-year-old, a XXXX XXXX, and a contributor to society ; life has not been easy. The past year, I've struggled after leaving a job due to a hostile work environment ( which is illegal since its constructive termination ), struggling to make ends meet XXXX XXXX while managing said position as well as attempting to balance 18 credits a semester. I recently learned that Wells Fargo Bank charged me about a dozen NSF, ATM, and SP fees From XXXX. Much of these fees are indeed due to hardships ; however, I was never aware of some of these until they showed up on my account. Big banks in America made over XXXX XXXX in these fees within the past year. Since opening an account with Wells Fargo, I've started to see a difference in regards to which banks value my business as well as works with me more. Wells Fargo has an opportunity to repair this relationship they were to reconsider their consumer-unfriendly policies for my situation and decides to refund me most, if not all, of the money I've had to endure paying because of their ridiculous fees. Wells Fargo is only making the poor poorer with their ridiculous fees, and I don't see how they expect to profit when individuals can simply not pay the overdraft fees and let their account close and go into collections. One thing I've learned with collections is that the creditor usually fails to make a profit back from the debtor since the account is being sold for much less than the debt owed. All I am asking for is the money I paid back. I work hard ; I go to XXXX  while raising a child, and I dealt with financial situations out of my control. With everything that's going on with the pandemic and individuals such as myself not being able to maintain a stable income because of it, It's only fair Wells Fargo uses my situation as a precedent of a bank that's giving back to those that supports them.