davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-25
Product: Credit 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: JPMORGAN CHASE & CO. (NJ)

Someone had stolen my information and replicated my debit card. I noticed the same day because I check my bank account daily. Waited around XXXX weeks before calling Chase about it to follow up to give them time to investigate. Over {$6000.00} was stolen from my account. Long story short police report was filed, still waiting for approval to check bank footage at the location that this impersonator physically went to. Because this person used my PIN and I had my debit card on my person the entire time they were using my card. Bank basically denied my claims saying not sufficient evidence to prove it was somebody else ( aka I am lying ). None of my transactions in the history of having a bank account have I ever even withdrew {$6000.00} so to me how is that not a red flag to them!! I feel like they think I am lying and they refuse to give me a credit for the money or anything. Very frustrating.
Consumer complaint received 2024-02-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Data and Contact Management Solutions, LLC (AL)

I HAVE BEEN NOTIFIED THAT MY DECEASED MOTHER HAD A XXXX ACCOUNT THAT THEY HAVE TURNED OVER TO A COLLECTION AGENCY ' XXXX XXXX {$2200.00} IM HER SOLE HEIR. 
AND THEY ARE THREATENING TO PUT A LEIN ON THE HOME SHE LEFT ME.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (PA)

Care credit was paid in full XX/XX/2024. I filed a dispute XX/XX/2024 & it came back incorrect with a balance of {$350.00}. This balance was paid on full & I have a paid in full statement.
Consumer complaint received 2024-02-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Prosper Marketplace, Inc. (MD)

XX/XX/2024, I received another email from XXXX stating that I applied for a loan. I did not and have not ever applied for a loan through prosper.com. I have no inquiries on my credit report since I have never applied for a loan or any financial instrument from prosper.com, ever. They responded to my XX/XX/2024 complaint stating I applied for a loan from them but I did not and did not XX/XX/2024 but received another email stating that I have. Please escalate this issue or give me any information I can use to stop prosperXXXX from sending me emails stating I have applied for loans from them but I have not. This is an issue that a company can falsely accuse you of apply for a loan without having any information to support their claim of accessing my credit profile. This is a predatory practice that should be investigated and they should be held liable for their fraudulent actions.
Consumer complaint received 2024-02-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

The XXXX XXXX XXXX of XXXX, Texas states I owe them {$7100.00} for a lease from XX/XX/XXXX. I have never lived there nor have I ever applied for an apartment in XXXX, Texas. I have lived at the same address in XXXX, Texas since XXXX. My driver license, mortgage bill, electric bill, water bill and more can prove this. I tried to dispute this with XXXX and they said it was a valid debt. This is not true.
Consumer complaint received 2020-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC (AZ)

Upon checking credit, noticed a new collection added as of XX/XX/2020. Company ( XXXX XXXX XXXX XXXX ) is unreachable, as well as the alleged original creditor ( CASCADE CAPITAL LLC ). I have never done business nor received loans from this entity. The amount they have attempted to collect is {$4100.00}. I also noticed that they inquired in XXXX, and then placed a collection for the amount on my credit with a date of XX/XX/XXXX ( less than 60 days after initial inquiry ). Bothcompanies are Colorado based and can not be reached via phone.
Consumer complaint received 2018-06-01
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (TX)

XX/XX/2015 XXXX XXXX XXXX sold my account to XXXXmr cooper mortgage while it was in lawsuits settlement, so all the information XXXX XXXX XXXXXXXX had transferred to Mr Cooper,  so XXXX XXXX XXXX settled with me and brought the loan back, asking mr cooper mortgage to delete from my credit file and that was 4 years ago and they still have it on my report and refused to take off
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (GA)

I received my refund advance in my XXXX money account ( XX/XX/24 ) and on XX/XX/XXXX they froze my account after i used my advance. An entire month later my remaining tax refund was deposited into that account- which is still frozen and I can not even access my money. I have called, emailed, wrote them on social media platforms and also have already supplied them with all the documents they requested to verify my identity and they have yet to unlock my account so I can get my money. At this point I am beyond frustrated and would just like my account unlocked and my account closed!
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

I mistakenly paid {$41.00} less then the total amount due on XX/XX/XXXX. Citi XXXX XXXX Card XXXX is charging me interest of {$33.00} and {$150.00} on statements from XX/XX/XXXX and XX/XX/XXXX. 
When I asked Citi representative to provide me document of how {$33.00} and {$150.00} interest was calculated, they did not provide anything. They just said it is 23.99 % interest calculated by their system. 

On XX/XX/XXXX, I received a statement with a new balance of {$2600.00} ( New purchases of {$2600.00} in 1 month cycle ) with a due date of XX/XX/XXXX. 
On XX/XX/XXXX or before, I paid total of {$2600.00} to Citi XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I received a statement with a new balance of {$2800.00} ( New purchases of {$2800.00} in 1 month cycle ) with a due date of XX/XX/XXXX. 
On XX/XX/XXXX or before, I paid a total of {$2800.00} ( XXXX payments + {$43.00} credits ). I mistakenly paid {$41.00} less. I mistakenly paid {$2800.00} instead of {$2800.00}. 
On XX/XX/XXXX, I received a statement with a new balance of {$7800.00} ( New purchases of {$7700.00} in 1 month cycle ) with a due date of XX/XX/XXXX. The balance included {$33.00} interest. 
On XX/XX/XXXX, I realized I paid {$41.00} less and paid {$100.00} to cover those shortfall. I also called Citibank representative and asked for XXXX XXXX. They reversed {$33.00} and {$0.00}. 
On XX/XX/XXXX or before, I paid a total of {$7800.00} ( {$7700.00} payments + {$56.00} credits ). 
On XX/XX/XXXX, I received a statement with a new balance of XXXX ( New purchases of {$1500.00} in 1 month cycle ) with a due date of XX/XX/XXXX. The balance included {$150.00} interest. 
On XX/XX/XXXX, I called Citibank representative at XXXX and requested to provide interest calculation of {$150.00} and {$33.00}. I asked her how paying {$41.00} less results in interest charge of {$33.00} and {$150.00} interest. She refused to provide the interest calculation. She mentioned it is done by Citibank 's system. 
I tried contacting another Citibank representative XXXX in XXXX XXXX. He also did not provide me any interest calculation.
Consumer complaint received 2019-05-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL (FL)

The following phone numbers have been calling a few times a day during the night XXXX. 
XXXX, also this number XXXX, XXXX. 
I have asked for the name of the company or name of the person calling but They Do Not tell Me or respond. 
I am living in a TIMEZONE 12 HOURS AHEAD OF E.S.T. WE are living in XXXX. So If a person or company wants to call they MUST call during evening hours as it is day time here. 
The debts they are calling about started with XXXX XXXX for a Bad Job that was done on MY wife. I took out personal credit with 2 companies that XXXX XXXX recomended so They could fix My Wifes XXXX.This started in 2018. WE started paying then stopped but still are paying some but WE are past due on All of these accounts. 
Thank You for all You do.
Consumer complaint received 2018-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MO)

Freedom Mortgage did not my pay my escrowed taxes by due date XX/XX/XXXX resulting in a penalty of {$250.00}. That late fee was taken from my escrow account and as of XX/XX/XXXX it has not been credited back to me. I faxed all docs on taxes to Freedom Mortgage XX/XX/XXXX. I've made 7 phone calls to them asking for the late fees to be added back to my escrow account. They always say they are checking on it and will call back, but they have not contacted me since their letter of XX/XX/XXXX which said they were looking into this. I have asked for an updated escrow statement on each call from XX/XX/XXXXon, but have not received one. I have repeatedly told them I would file complaints if I did not hear back. They have not contacted me since the letter XX/XX/XXXX.

Attached are 1 ) Notes from all phone calls to Freedom Mortgage 2 ) copy of fax pages including original tax bill and notice with late fee sent to Freedom Mortgage on XX/XX/XXXX 3 ) Letter from Freedom Mortgage dated XX/XX/XXXX and 4 ) Escrow Disclosure dated XX/XX/XXXX that shows my escrow was debited {$2500.00} for the taxes ( {$2200.00} ) +late fee ( {$250.00} ).

I have spent many hours trying to resolve this issue.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

Upon reviewing my latest credit report, I noticed that the specific credit inquiries your agency has recorded, which I have previously identified and reported as unauthorized, still demand immediate attention. I have already reached out to the below-mentioned entities, requesting the removal of these inquiries from their records and verification of their deletion from all credit reporting agencies. Although they have promised to address these issues, I am contacting you once more to ensure these inquiries are promptly resolved. Included with this communication is my updated FTC report, with reference # XXXX. 
EXPERIAN : XXXX XXXX XX/XX/XXXX -- -- -- -- -XXXX :  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I kindly request the immediate removal of these inquiries to avoid any negative impact on my upcoming mortgage application. It is crucial for my credit score to accurately reflect my financial responsibility. I would appreciate a detailed report on the actions taken to remove these inquiries within the next 30 days. Your swift resolution of this issue will be greatly appreciated. Thank you for your immediate attention to this matter.
Consumer complaint received 2024-03-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation (IL)

A payment was deducted on XX/XX/year> out of my bank account in the amount of {$210.00}. At the time I did not have the money in my account. Which later in the month XX/XX/year> I put money in the account and made a debit card payment in the amount of {$210.00} that was deducted out of my account on XX/XX/year>. After that I refinanced for another loan on XX/XX/year> with payments due on the XXXX of every month in the amount of {$410.00}. Which was deducted from my bank account on XX/XX/XXXX. XX/XX/year> my bank account was debited in the amount of {$210.00} again after the payment already on XX/XX/year> off my debit card. I called and spoke with someone at one main financial they said they can only see my new account not my old one so I disputed the transaction and was reimbursed {$210.00} on XX/XX/year>. After that I received phone calls telling me that I didnt make a XXXX payment of {$210.00} and that I needed to make a payment. Since I didnt do so they were harassing me at a point but have stopped due to prepaid legal. They are saying I still owe them {$210.00} and charging me late fees every month.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023 I tried to purchase XXXX subscription using my debit card. However, while my card was charged, I didnt receive the subscription. I tried to sort the issue with XXXX XXXX but they provided me with the invoice that stated that the charge was {$0.00} and furthermore told me that since the charge was unsuccessful on their end, they can not do anything about it. Since late XXXX until now I am trying to sort this issue with Chase, and it has been unsuccessful. They denied my initial claim and this second time have lost the supporting documents ( invoice and the email correspondence with XXXX suppprt ) after confirming that they received them. It has been going on for more than two months now.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

i received a settlement check for the following names from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and or XXXX and or XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I was beneficiary number for XXXX XXXX my XXXX this was the settlement check for overdraft fees that were unreasonable.
Consumer complaint received 2019-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. In which All 3 major Credit reporting agencies has already been notified of. I've submitted copies of my police report to inform each credit reporting agency. Transunion has failed to comply with my written notice to them requesting to investigate and remove unauthorized inquiries on my report. I've written in details, requesting for the following companies inquiries to be removed from my credit report. As each inquiry was UNAUTHORIZED. Therefore, these items need to be removed. I would like for this matter to be investigated. Please see listed UNAUTHORIZED companies inquiries below. 

1. XXXX Inquiry XX/XX/XXXX 2.XXXX Inquiry XX/XX/XXXX 3.XXXX XXXX Inquiry XX/XX/XXXX 4. XXXX XXXX Inquiry XX/XX/XXXX 5. XXXX XXXX Inquiry XX/XX/XXXX 6. XXXX XXXX Inquiry XX/XX/XXXX 7. XXXX XXXX Inquiry XX/XX/XXXX 8. XXXX Inquiry - XX/XX/XXXX 9. XXXX XXXX Inquiry XX/XX/XXXX
Consumer complaint received 2016-04-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION (KS)

After reviewing the fair practices act- then going over the loan documents with my co-signer we believe that we were led to think that our loans were student loans Not private ones- If I 'm read things correctly the loan provider should have provided one or maybe all the documents listed below as examples :
Consumer complaint received 2020-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (WI)

On XX/XX/2020, I received an email from XXXX XXXX that my card limit had been decreased. It was my JcPenney Credit Card. I didn't receive an adverse action notice from the company to inform me why my credit limit was decreased. On XX/XX/2020 I emailed the company requesting that my credit limit be restored to the higher limit that it was. On XX/XX/2020 I received an email response back from the company that did not tell me the reason why my limit was decreased and that it would stay at the lower limit.
Consumer complaint received 2020-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northwest Collectors Inc. (IL)

DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

In regards to all MIDLAND CREDIT MANAGEMENT accounts I asked for the contact information specifically whom, when, and how you verified the account as reporting accurate and didn't get it. On top of that I asked you to fix things that were 100 % incorrect just between the 3 agencies alone. For example ( as I sent in the mail ) the date of last activity is wrong between XXXX and XXXX my balance is reflecting on XXXX but is completely XXXX on XXXX. The c/o status is even reported way more times via XXXX then XXXX which is another violation in itsself. The above law states after numerous attempts if an account is still inaccurate IT MUST BE DELETED ( You are now in violation of Law 15 usc 1681 Treatment of inaccurate/verifable info section 5A. ). You are harming me and my credit journey, my livley hood, my children 's lives because nothing can be done without great credit now and days. I asked you to verify and fix things and you changed nothing to be 100 % correct. We are all human please act as such! I fell on hard times I kept contact with the bank they even sent me to collections so not only was the debt paid/an asset to the company they kept the negitive account open AND the collections account for XXXX reason. It is your job to hold the company accountable and you guys get paid for subprime borrowers horrible scores and I understand everything is about money but you guys are wrong this time!! I request my 1099 and I demand a deletion within 48 hours of this notice, 24 from the notarized one in the mail..whichever is first. I asked for a pay to delete MONTHS AGO and was told " it's paid '' numerous times. Now I will not even engage in that option.
Consumer complaint received 2015-10-31
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (AL)

I have a Rush Card and I think they have deliberately restricted online access to people 's accounts so that we will not be able to track transactions. They have issued many statements asserting that all issues have been resolved, however, unless you are willing to hold for three hrs to speak to a representative, you have no way to know how much has gone into or come out of your account. My accent information is not accessible thru their website nor their iphone app. They know this but have not taken any steps to resolve it. Keeping us in the dark only serves to benefit RushCard. I 'm sure if I could see my transaction history, I would find discrepancies. I 'm positive there is money missing from my account. Who can I even speak to about this?? It is tragic that RushCard could treat their customers like this when they know they service economically disadvantaged consumers.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (OK)

My checking and savings accounts were compromised on XX/XX/2024, and although I reported it within minutes, my accounts were not protected. During the overnight period that night, my account was drained of a little over {$700.00}, and attempts were made to get over {$15000.00} more. This money was all I had. I filed a dispute and the missing money was provisionally credited back to me, but then my accounts were locked and I had no way to access it after I received a debit card to replace the one whose number was used to access the account. Several days ago I received an email that it had all been resolved and the money had been credited back to my account, but then I was told that they were closing my accounts. I have asked specific questions to the department that handles these cases, but have received no answers. I receive a protected direct deposit of XXXX XXXX XXXX, and had asked if it would be impacted by the account freeze, but no answer. I have had these accounts for about XXXX  years, and my family 's only income is my monthly direct deposit of XXXX XXXX. I have emailed them almost daily, letting them know that my situation is pretty much at the emergency level, since we have no money for food, have not had any money to repair a pipe break, so no water, have lost our transportation and will soon be without phone and internet service also, and have just missed our second rent payment so will probably be evicted next week but have no way to even move or store our belongings, and can not access needed medical treatments or medications. We have managed to survive for XXXX weeks on the less than {$1.00} in my wallet, and I really need to be able to get enough of my money in my hands to be able to pay rent and buy food without waiting another XXXX XXXX XXXX for an ACH transfer or a paper check to arrive in the mail. I am not sure we will survive that long without food, water, or shelter, but they are refusing to even answer my attempts at communication. In my last email to them, I did inform them I would be filing complaints unless they contacted me. I have verified my identity with them several times, the latest being XXXX days ago. I did not receive a confirmation of that verification, and I am starting to suspect that they are somehow culpable in all this. I have done nothing wrong and their handling of this matter has been completely insensitive and unprofessional. I was unable to attach copies of all the emails but I have them ... if anyone needs to review them, I can forward them separately.