davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
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 — Investigation took more than 30 days
Company: VEROS CREDIT, LLC. (CA)

On XX/XX/2022 during a visit to a dealership and i was alerted that their was a repossessed vehicle with an outstanding balance on my credit of {$10000.00} showing from VEROS CREDIT. I have never had any vehicle from them nor did i authorize any. Afterwards i made a police report and tried to resolve it with VEROS credit. Attached is the conversation between us via email in which i stated multiple times i did NOT want to speak on the phone because i wanted all of our communication in writing. I gave them everything they asked me for and followed up so many times. This is affecting my day to day life because i need to move out and can not qualify for anything because this displays on my credit. They have never reached back out to me with any solutions. Attached below is also the police report, my ID and documents i sent over to veros and an affidavit i sent over to them as well.
Consumer complaint received 2021-03-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

On XX/XX/2021 I submitted a dispute request to XXXX, Equifax and XXXX  as I successfully identified some inaccurate information on my consumer credit file. On XX/XX/XXXX I received notice that my disputes were opened on my behalf, which is about 45 days from my initial submission. Today is XX/XX/XXXX and I have yet to receive an update.
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (MD)

I requesting an investigation into the forbearance programs which are now blocking consumers from modification of the terms of my mortgage to make it more affordable. 

I am currently on a forbearance plan with Quicken Loans and attempted to obtain detailed information about their loan modification at the end of forbearance program more specifically, how can consumers modify the existing loan add any outstanding balance to end of loan and refinance at today 's lower rate. 

I am currently at 3.50 % percent, todays APR is around 2.38 %, so I asked for the criteria, requirements, process to modified my current loan, adding any outstanding balance to back of the existing loan and modify at today 's lower rate. 

Quicken Loan refused to provide any verbal or written information, told me it would be two sperate processes, I would have to add any outstanding balance to tail end of existing loan and rate, then and only then would Quicken Loans discuss or tell consumers how to qualify, apply or obtain current lower interest rates, which this is clearly a money making opportunity for Quicken Loans at the consumer expense. 

Consumer who successfully resume making monthly payment should able to add the outstanding balance to existing loan and modify under new lower rates without any roadblock, added fees or requirements anything less would defeat the purpose of the laws passed to help consumers therefore, I asking you to act quickly and provide assistance and relief to consumers and allow modifications of loans at new lower rates.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WI)

On XX/XX/XXXX I applied for, and received a secured credit account backed against {$200.00} of my funds, deposited with Citi for a one year period. I have maintained a 100 % on-time payment record in the 1 year and 6 months since. I have repeatedly inquired as to my maturity date on this card, in order to recover my deposit. In every interaction, I was told XX/XX/XXXX. Upon contacting Citi on XX/XX/XXXX, I was told that I had matured and that my payment would arrive electronically back to the account the deposit had come from on XX/XX/XXXX. Today, XX/XX/XXXX I called to ask where my deposit was, and was told that my maturity had been extended another full year to XX/XX/XXXX. Citi is baselessly holding my deposit without cause and artificially declaring its right to hold onto my money against its communications and assurances, and I expect that deposit returned per the original terms, and every communication since opening.
Consumer complaint received 2021-03-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CO)

I keep an online savings account with Ally bank. For more than a year now, I have had same-day transfers and I utilize the feature several times a month. For no reason in particular, Ally failed to make two XXXX transfers I requested and also a XXXX - show normally instantaneous - then also froze my account. 

Ive called more than 5 times now. 

I am a self-employed single parent who just XXXX my foot. I moved as well. I have a XXXX XXXX XXXX for whom I need access to this money so that I could childproof my new apartment, buy supplies and do any number of normal every day things when you move. 

On my first initial phone call, representative advised me that I made a transfer to a closed account that I have. However, in reviewing the set up of my account myself, I see that there is currently only one option available for transfers and that is my active XXXX checking account. The same is true for XXXX - there is only ONE recipient available! 

My experience as both an accounting professional and just an intelligent commonsense individual, it looks like their computer systems have malfunctioned, again. 

Because of their mistake, they took away my same day transfer of cash and Im now stuck with my funds in limbo, having left their account but not yet in my checking with XXXX, which is now overdrawn by more than {$1000.00} across two accounts. 

XXXX, whom I just spoke to in Loss Prevention claimed all supervisors were in a meeting so there was no one higher to help. This is a computer issue and she cant override it.
Consumer complaint received 2021-03-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I opened a new XXXX Checking account and submitted >XXXX transfer. 
The account is opened with an active offer that includes {$2000.00} bonus with a {$200000.00} deposit maintained over 60 days I maintained a balance >XXXX for more than 60 days in order to earn this bonus. 

This was confirmed as below by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2020, XXXX XXXX  to me Hello, XXXX XXXX, The promotion was successfully attached to your new XXXX account. Thank you again for your patience. 

My apologies for my delayed responses to your emails. Tomorrow I will be out of office, I return Thursday. 

Best Regards, XXXX XXXX Personal Banker Citibank XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2021-03-01
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. (FL)

A previous account was disputed. The debt was not verified. It was deleted from my credit bureau. It was re-inserted on my report, using a different account number to reflect it as a new account. I was not made aware of the reinserted collection by any of the credit report bureaus.
Consumer complaint received 2021-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

I filed for unemployment with the Illinois Department of Employment Security in XXXX of XXXX. In XXXX of XXXX my former employer contested and I have been appealing the decision. As of XX/XX/XXXX a decision was made and I was granted benefits. I was given a lump sum payment for XX/XX/XXXX - XX/XX/XXXX that I did not receive while I was waiting on the appeal for a total of {$22000.00} that was sent to my Chase account on XX/XX/XXXX. I did receive two additional payments from IDES that were sent after the lump sum payment. I called Chase twice as well as IDES to figure out where the payment could have gone and neither had an answer. Today, XX/XX/XXXX, I wake up to a notice from Chase that my account is being closed and that Chase will be severing their relationship with me. I can only assume it is because they assumed that the {$22000.00} payment from IDES was fraud. This is the only major account that I use, all of my bill payments are connected to this account. I am now at risk of being kicked out of my apartment and my bills not being paid at the beginning of the month because Chase never thought to contact me on this issue to verify the payment. This is negligent on Chase 's end and I am seeking immediate assistance with this matter. I have attached documents from IDES to further prove the validity of the payment. Please contact me as soon as possible. I need immediate access to the payment that I did not receive from Chase of {$22000.00}.
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CO)

I opened a new savings account online so Chase sent out a pin and an ATM card in the mail. I had my mail stolen so someone got access to the pin and card and was able to activate the card when to a chase branch ATM and disposed a phony check in my name to my savings account and was able to withdrawal {$220.00} from my checking account.I have disputed the claim, their reasoning on denying it was the fact that live within 3 miles of the bank, I have used that branch before and that there was a pin used to withdrawal money. I have documents showing that i wasn't in the state at the time of the transaction and I never received the card
Consumer complaint received 2021-07-08
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: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I purchased product from XXXX for XXXX. 
When I received the product the following week it was missing key components to make the product work ( XXXX wires were missing ). 
XXXX originally was unresponsive to my emails, so I initiated a dispute with Chase. 
During this time XXXX responded to me and said they would send me the missing wires, so I cancelled my dispute. 
After waiting eight months for the wires and following up with them 10+ times I still never received the wires. I then told XXXX I would like everything refunded and they agreed. 
On XX/XX/XXXX XXXX picked up my items and they were delivered to XXXX later that week. Tracking numbers XXXX, XXXX, XXXX. 
On XX/XX/XXXX they emailed me saying the refund was fully refunded. I did not see the refund on my card. I continued to follow up because I still never got the refund. 
XX/XX/XXXX they send me a screenshot from their internal system claiming they have refunded me. I have attached the screenshot. 
Current - I still have not received my refund and Chase says it has been too long since the purchase to do a regular dispute.
Consumer complaint received 2021-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Addresses is listed that I have never lived or been associated with multiple bureaus.. I have contacted them ti have them removed with no success. Also XXXX is reporting a name that has never been associated with me nor is it my name. 

XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH Equifax- XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH XXXX- XXXXXXXX XXXX XXXX IS NOT MY NAME NOR AM I ASSOCIATED WITH ANYONE WITH THIS NAME
Consumer complaint received 2018-03-06
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: DISCOVER BANK (GA)

XXXX XXXX I have been dealing with acceptance now on a account that was not in contract but continues to report to my credit report as open and delinquent I have reached out to the district manager and higher and have not gotten the proof needed I get told off and talked to bad as of now the delinquent have hurt my credit score tremendously they have lied liked they call me and have not I am fed up with the treatment and my credit being damaged because the manager refuses to send me the letter stating this is closed
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

A bank has tried to access my Equifax score but it shows them theres an error on the system. They called me stating that there was a lock on my Equifax report. I called Equifax and the first representative told me there was no problem with my credit report. I was told to verify everything regarding, name, address, and other personal info with my bank. After contacting my bank all info they have is correct. 

I called Equifax a second, third, and forth time. This time the representatives said they had no record of me ever having an Equifax report. They asked me if I have ever gotten a loan, credit report from them and even if I had a credit card. All which I responded yes. They still weren't able to find me in there system. They say that they have no record of me ever having credit with them. 

I have in the past 6 months gotten my credit checked without a problem. I also have access to my XXXX XXXX account which shows my suggested Equifax score. explained all this to the representatives which barely spoke XXXX. Apparently they did not know how to further investigate this issue.
Consumer complaint received 2022-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/2022 I was made aware that I was being scammed by an illegitimate hard money lender company. The company requested fees to be paid upfront in exchange for the hard money loan. I filled out signed contracts and an loan application. I contacted Chase Bank on XX/XX/2022 to request to recall all wires sent to the various bank accounts because I was in fact being scammed. Chase initiated a wire recall for all wires on XXXX XXXX. The first wire was taken place on XX/XX/2022 in the amount of {$2500.00}. The second took place on XX/XX/2022 in the amount of {$5000.00}. The third on XX/XX/2022 in the amount of {$6000.00}. The fourth on XX/XX/2022 in the amount of {$3500.00}. The final transaction on XX/XX/2022 in the amount of {$2400.00}. Once the Chase received instructions from the receiving banks to provide them with a letter of indemnity or a hold harmless letter they have been giving me the runaround since then. All receiving banks requested the letter on XX/XX/2022. Chase wire investigation team told me to contact the fraud department to request a letter. On XX/XX/2022 I filed a claim for all wire transfers and was promised the customer claims department would contact me back and sorry for the constant transferral. No one contacted me. On XX/XX/2022 I was advised the fraud department would be taking control in recovering my funds. When I spoke with the fraud department the representative informed me my case wasnt fraud it was indeed scam and I paid money and didnt get what I expected and that was really on me. Fraud cant help me and I wont be receiving my money back. I was scammed and its nothing Chase can do about the situation. I then went inside of Chase bank branch and spoke with a banker there on XX/XX/2022. The banker then seen the distress I was under in trying to retrieve my funds and finally provided me with a letter although the reason none of the other departments could help with a letter of indemnity because Chase didnt have a template for one. I spoke with numerous representatives from fraud customer claims and inside the branch no one knew what a letter of indemnity was. Now Ive filled the letter out and constantly requested the letter be sent to the receiving banks for retrieval of the wires and nothing has been done. On XX/XX/2022 I was told to contact customer claims for an update on the hold harmless letter. But when I contact customer claims they have no idea what Im referring to and advise me to contact the wire investigation team. No progress has been made in the case of retrieving my wire transfers.
Consumer complaint received 2018-03-06
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/ I took about XXXX adults and XXXX kids to XXXX. I put the transactions at different times because everyone arrived at different times. One of them didnt show up so I had to get a refund. At XXXX we were riding the monorail and one of its compotents above our heads opened up and hit me in the head. Its a pretty heavy components so it left a bruise. I told the employees at the park and they took it out of service. Needless to say i was fine for the day. Me, my wife and XXXX kids ( my kids birthday ) left the park. 
I contacted XXXX but they said to dislike it and they would credit me. Do I disputed the charge with my credit card company and XXXX wrote back to chase saying service was rendered. When I spoke with XXXX XXXX from chase he said the dispute team coded it incorrectly. It shows service never rendered and it was it just wasnt as expected. He said he had to close out the disputed and that I would have to start over with the correct coding. On XX/XX/ I got a letter that said it was closed out and I called chase to redispiye the charge. They said I had to write a letter to redisputed the original disputed. I informed them that the person ( I gave them his contact information ) whom is handling the case said I had to redispute it. They said they wont do it and I was out of luck. Managers name is XXXX XXXX whom said he so f help me. I said can he contact the other person whom is also from Chase to find out the correct way for me to fix this issue. He said he will not contact his colleague and I was out of luck. Please help
Consumer complaint received 2022-04-24
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: ERC (AL)

Enhanced Recovery Company at XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the amount {$51.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WA)

For well over a month my Coinbase account has told me that " Buys are currently disabled '' for my account. The only option listed is to go to their FAQ which says that it's typically due to a chargeback on the account, in which case I would need to contact Customer Support via email, due to incomplete/incorrect ID which would need to be updated, or if not to still contact Customer Support via email.

I sent 3 email requests to them over the last 30 days and the only response I get is the automated message of " We've received your request and will respond shortly ''. 

They have no other means of contact unless you think the account has been compromised which I don't think it has just that there is something preventing me from trading fully on their platform. I am able to transfer/sell currency but not invest/buy anything with no clear indication as to why.
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (KY)

We noticed last week that we have been charged roughly {$60.00} a month for almost two years for security protection on our Lowes credit card bill. We called them, the amount totaled {$710.00}, they said they would refund us via check within a week. We never agreed to or signed up for any protection service, we are on a budget and really could have used that money over the past two years, reguarldess we waited on the refund only to see today they simply credited it back to our account balance. I called and explained we pay our bill on time they illegitimately obtained the {$710.00} and I would like it back, Ive could have used it over the past two years and want it back now. They werent helpful at all and essentially said we should be happy we got the refund on our account balance. In my opinion they essentially have stolen {$710.00} from me and when they are called out about it they are going to keep it and apply it to my balance? Thats ridiculously bad business for such a big company.
Consumer complaint received 2018-03-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

I have been trying for a several weeks to access my Loan Care account on the online portal. After several attempts at resetting my password I could not access my account to view or make any payments. I have called several times with hold times extending past 3 hours. On one occasion, XX/XX/XXXX, I was able to leave my number for a call back which was 9 hours later. The service representative was not able to help me with my problem and suggested I email customer support. I email customer support on XX/XX/XXXX. It has been 10 days with no response so I tried to call again with wait times over 3 hours. I was not able to continue to hold. I need to pay my mortgage before I am assessed a late fee. I am entitled to access my account as well.