davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Chase loan number XXXX I received a letter from Chase XX/XX/XXXX. the letter was dated XX/XX/XXXX the letter said dear XXXX we are transferring your mortgage loan from GP Morgan Chase Bank to XXXX XXXX XXXX and your loan number is XXXX Page 2 of the letter signed by XXXX XXXX executive director clearly states the last day Chase will accept your mortgage payment is XX/XX/XXXX XXXX. 
Basically Chase release them self from my loan and there were no longer legally allowed to report anything on my credit report and they are not affiliated with XXXX XXXX XXXX. 
while I still have a dispute regarding my incorrect monthly payment with Chase the investigation is still pending with Consumer Protection Bureau Chase went ahead and illegally not being my servicer XX/XX/XXXX reported my loan as delinquent XX/XX/XXXX. Chase was not legally allowed to report me Late my mortgage payment XX/XX/XXXX I was not their customer any longer. because of Chase negligence and careless Loan Servicing my credit is damaged and I am not able to finance my leased car my credit score dropped over 300 points. 

All my credit issues are the result negligence Chase servicer. since XXXX never had one day late paying my mortgage payment. my FICO score was XXXX I am presenting you with a copy of my FICO score from XXXX Due to all the problems I had with Chase Mortgage three of my accounts were closed by creditors because of the low score and 90-day mortgage late on my credit report.

my FICO score on XX/XX/XXXX XXXX only. 

I am also providing you with one page Chase reporting my mortgage late and XX/XX/XXXX as a part of this complaint
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (UT)

On XX/XX/XXXX, I sent a deposit of {$200.00} to Discover to open a new secured credit account. The information on the Discover website stated that as long as I made on time payments I would receive my deposit back, and graduate to a regular Discover card. On XX/XX/XXXX, I received my Discover card, and activated it. I have continued to bay off the balance, and currently carry a {$0.00} balance. In XX/XX/XXXX, I contacted customer service to ask about when I can expect to receive my deposit. I was told that Discover reviews accounts after 7 months. No further help was given.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (TX)

I had an account open with XXXX XXXX, under my business name. XXXX was closed by its parent bank BBVA. BBVA was supposed to have sent a cashier 's check with the funds in the account to my home address in XX/XX/2021, but after numerous contacts with BBVA / PNC customer service, they have not yet sent the funds.
Consumer complaint received 2022-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MS)

On or before XX/XX/XXXX, I contacted Select Portfolio Services asking about the maturation date of the loan. They told me XXXX. I told them that can't be right because I brought the house in XXXX. However, she told me I received a loan modification in XXXX. I never had a loan modification in XXXX it was XXXX. So, I asked for all the paperwork and they didn't send it. I have requested all my paperwork for the XXXX time. I received 3 years of payments and the amounts were changed... Showing, XXXX XXXX XXXX  placed at the end of the loan. I asked her where did the XXXX additional years come from because I did not agree to that and had no knowledge of that amount. She started ro make excuses telling me that they didn't own the loan because XXXXXXXX XXXX owned the loan. I was told my loan was transferred to SPS and now they're telling me that they are not responsible for anything and not the owners. I have been making payment to SPS and all the paperwork comes from them. They have fraudulently placed an additional XXXX  years on to the house plus a XXXX XXXX XXXX  at the end of the loan.
Consumer complaint received 2020-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

This is a checking account I've had for twenty years. I had an incident of the bank ( Chase Bank ) accepting debits on my account and not providing adequate security to prevent the debits from continuing even after my repeated requests for them to secure my account. 

Here are the debits : The debits are from XXXX XXXX XXXX XXXX for a XXXX LOAN Payment by XXXX XXXX. 
They are preceded by a test credit/debit to test the account for my checking account ending in XXXX. 
1. XX/XX/XXXX XXXX Loan Paymen Web XXXX ACH Debit {$2000.00} 2. XX/XX/XXXX XXXX Loan Paymen Web XXXX ACH Debit {$2000.00} 3. XX/XX/XXXX XXXX Loan Paymen Web XXXX ACH Debit {$2000.00} 4. XX/XX/XXXX XXXX Loan Payment Web XXXX ACH Debit {$2000.00} 5. XX/XX/XXXX XXXX Loan Payment Web XXXX ACH Debit {$2000.00} 6. XX/XX/XXXX XXXX Loan Payment Web XXXX ACH Debit {$2000.00} 7. XX/XX/XXXX XXXX Loan Payment Web XXXX WEB ID {$2000.00} 8. XX/XX/XXXX XXXX Loan Payment No Desc. {$2000.00} XXXX They sent a notice that # 8 wasn't charged to my account. Note that # 7 was charged to my 2nd account and # 8 was, apparently, set to charge for my 3rd account number - THIS HAD TO BE A COMPROMISE THROUGH THE BANK, because I did not use the 3rd bank account number they assigned - they obviously are getting my account changes through the bank. The bank is NOT protecting my account. Moreover, when returning funds for a claim ( temp. ) they deposited the fund in the closed accounts which is very strange to me - they would be compromised immediately. 

When I reported this 3rd bank account being insure, too, they immediately closed my account and closed my credit card accounts with Chase bank. I had incentives available that were taken away from me and this action may damage my credit rating as well. 

I did EVERYTHING the bank recommended to secure my information even having a computer systems professional go over my computer. There were no malware, virus or other materials to suspect any issues with the computer. Even though I changed passwords each time, I retrieved passwords from the bank on occasion and they were not careful in giving out that information - security is way too lax at Chase Bank and they didn't take seriously the need to monitor and identify security lapses from inside the bank. They wanted to blame the customer and were blind to lax security to protect their customers. THEY BLINDLY TOOK THE BANK 'S SECURITY FOR GRANTED AND PUNISHED THE CUSTOMER FOR BRINGING UP THEIR SECURITY ISSUES ; I AM VERY CONFIDENT THE BANK WAS GIVING UP MY NEW ACCOUNT INFORMATION AND WERE NOT PROTECTING MY FUNDS.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

Divorced in NY, XX/XX/XXXX, ex spouse maintained full control of my Citibank, XXXX, NY checking account during and after divorce, XXXX. 
This action in contempt of divorce judgment and stipulations. 
All deposits into my account and withdrawals rerouted, bifurcated, used to pay off his personal debts. 
I have received some of the copies of checks requested, they are either washed and forged or endorsed with 3-4 unique accounts owned by my ex spouse. 
XXXX XXXX
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc. (MI)

I had opened a XXXX XXXX XXXX account and only had it open and availbile for not even 2 months and after that I received a notice saying that the XXXX XXXX account needed more information on verifying my identity and the company would not respond to me after I sent them all the documents they asked for multiple times over and the customer Service agent repeatedly kept asking me for documentation I sent them already multiple times over email and over their company message option. It took them from XX/XX/XXXX to XX/XX/XXXX to respond back to me and had my account frozen the whole time and I wasn't able to Access anything it was my own secured account. I put my own money into this account it wasn't on credit or a unsecured account or anything it was first and at the now a secured credit account. I tried multiple times over to contact customer service and did everything I could possibly to contact them and got no response. Until I filed a complaint with a credit law firm that helps consumers with their credit. Now my credit went from XXXX score to XXXX score and Reporting faulse information about not paying on time on which I have told this company multiple times I wanted it closed and got no response from them back. They stole my funds I opened my secured account with and faulsifiying credit score reporting on my behalf. They never closed my account never responded back to me and fraudulently kept my account open against my approval nor did they even have any okay or approval to report or have any sort of approval to keep my account open and not responded or being able to contact them regarding my important sensitive time sensitive situation they have caused me. They have fraudulently scammed me and I paid them for this companys service to provide up most professional credit Building program that was supposed to help my credit score and reports instead scammed me for faulse advertising their actual intentions with consumers sensetive personal information unprofessionaly ignore consumers when they get caught and get put on the spot light.
Consumer complaint received 2019-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BC SERVICES, INC. (CA)

My wife and my new home mortgage was denied due to a false claim by XXXX XXXX Hospital ( XXXX ) at XXXX XXXX XXXX XXXX, XXXX, CO XXXX for {$4000.00}. I have never had any services performed at this hospital. XXXX XXXX neglected to properly identify the person that they provided services to, and then filed a claim using my Name and SSN number. XXXX XXXX never contacted me and turned the debt over to BC Services for collection. When I asked for information regarding the services performed and details of personal information, I was denied. They would collect all my personal information such birthday, SSN, Name, address, etc. and won't tell me what matched and what didn't match. So, I didn't have any details from them to dispute. These calls went on for weeks with XXXX XXXX XXXX, BC Service and us. Finally, BC Services told me I could file a fraud police report send them a copy along with picture of my driver 's license, and they would consider 'deleting ' their claim against me within 72 hours ( 3 days ). I filed the police report on XX/XX/2020, and submit the information early on XX/XX/2020. Its been over 6 days with no response. I will continue to reach out to them.
Consumer complaint received 2021-01-28
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: U.S. BANCORP (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXXXXXX XXXX XXXX XXXX  add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, US BANK XXXX XXXXXXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-28
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: FORD MOTOR CREDIT CO. (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, FMC-TAMPA-IG add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX FORD add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX FORD add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

My concerns with XXXX and their unfair credit reporting processes. 
I paid my account within 30 days ( XXXX and XX/XX/2019 ) and was reported late. 
The account was never late.
Consumer complaint received 2021-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

I found I have been being charged a fee for " card security '' for over 10 years that I had never signed up for. This is on my Banana Republic card through Synchrony. 

I have multiple store cards and am familiar with card security and have turned it down on every other card I was ever offered. If I had known it was on, I would have tried to use the benefits from it in the past. 

I contacted XXXX XXXX about how this was activated and to cancel on XX/XX/XXXX. This was eventually completed later in the month even though it was only to take 3-5 business days. During this call, I was told I signed up for the program verbally when the card was open. My records show this card was opened in XXXX. 

I spoke with someone else on XX/XX/XXXX to clarification on the activation and to confirm cancellation. At this time I was told a different way that the card security was activated. 

The following day I was sent a letter that the program was purchased during a call to service on XX/XX/XXXX. It is noted that a welcome package was sent at that time. I never had this call or received any welcome package. At no time would I have ever been interested in these benefits and never would have signed up for card security. I asked for a copy of the welcome package that was sent or any other documentation and did receive. 

I had this card set up for a long time on Auto pay, and was surprised to see the balance go up every month despite a $ XXXX payment.
Consumer complaint received 2021-01-28
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: JPMORGAN CHASE & CO. (NY)

On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE Opened XX/XX/2012 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (MN)

I was contacted by phone and requested the details on the debt in question and informed the representative that this bill was paid. She refused to give me any information other than the amount I owed to the university of Minnesota. I informed her I needed more information such as a copy of the bill, the account number, date of service, but she said she doesnt have access to that information. The payment was completed and they filed the inaccurate debt afterwards.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

The information currently reflecting on my personal credit from " XXXX XXXX '' is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Certegy Holdings, LLC (GA)

XXXX XXXX XXXX. 

XX/XX/2021 XXXX XXXX XXXX XXXX, GA XXXX Dear Customer Relations : XXXX XXXX XXXX  I XXXX XXXX, am addressing this correspondence to your Department regarding and incident and service that occurred at your XXXX XXXX XXXX XXXX # ( XXXX ) in XXXX, GA XXXX on XX/XX/2021. Upon initially entering your facility, I proceeded to your appliance area, whereby looking for a sales associate to inquire about the XXXX XXXX. Not alone, others and myself waited for a brief time after another associate ( a custodian ) had a page implemented for help to assist us. 
Approximately and additional twenty minutes went pass when the Manager arrived and apologized for the wait. She then appointed a young man to assist myself and the gentleman waiting on your cash and carry product appliances for his rental properties. My dilemma begins after inquiring about the XXXX XXXX XXXX he informed me that delivery would take place between XX/XX/XXXX or XXXX of the month. He then entered the computer and placed the order in the appliance department and there after we proceeded to the customer service area where I then wrote to your establishment a check # XXXX for the amount of {$2400.00}. at approximately XXXX XXXX. 
Upon arrival at home, I began to look at the receipt of sale and noticed the model number did not coincide with what I had been viewing on the website of other stores within the area XXXX, XXXX XXXXXXXX XXXX Upon going to the XXXX site, I then come to the conclusion that the wrong product had be ordered for my household. Upon returning to the store to correct the discrepancy on XX/XX/2021 I encountered XXXX XXXX and associate in the appliances area and she began to attempt to locate the order from the receipt and informed me that I would need to go back to your customer service department and get a refund. Upon presenting my request to the attendant in that department, she informed me that the check # XXXX had already been submitted and that I would have to receive a refund in appoximedtly five seven business days after the cancellation of the order. 
Instead to avoid another trip, I then contacted my XXXX XXXX XXXX XXXX and initiated the stop payment on XX/XX/XXXX on that morning after speaking with customer service. That brings this matter to your collection Department Source which I have no relationship with prior to this ordeal. 

CERTIGY PAYMENT SOLUTIONS, LLC... PLEASE I look forward to speaking to someone from your department. My contact information is email and telephonically XXXX ( XXXX ) XXXX
Consumer complaint received 2021-01-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I've not received the XXXX AA miles after spending $ XXXX and have tried to contact them on several occasions. They said they needed the promo code but the physical mailer doesn't have a code ( see attached ). They also said that they don't see it in their system, however they did say on XX/XX/2021 that it would be deposited to my account within 5 business days. Confirmation XXXX On XX/XX/2021, I have been hung up on the last call to get this resolved while spending over an hour. The account XXXX doesn't respond or is helpful. I have seen other complaints of this happening before with other Citibusiness checking promos. This is not the first time.
Consumer complaint received 2022-10-05
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.