davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX XXXX ( Sunday ) around XXXX I deposited {$6900.00} in XXXX dollar bills to the ATM located in XXXX TX at the corner of XXXX XXXX and XXXX XXXX  The ATM was making a funny noise and instead of giving me a receipt, it gave me a ticket that stated the transaction could not be completed and to call the XXXX number on the printed ticket to report this. The ATM screen turned Red and said it was not working. I waited at the ATM and in the parking lot while I called the number on the ticket to report what occurred. I also checked my online banking and the money was not in my account. I told the claims person what happened and they told me they had to conduct an investigation. This investigation would be completed no longer than 14 days. On Tuesday, 2 days later, the amount of {$6900.00} was put into my account. This made me believe that the issue was cleared up and that was it. 

Fast forward to this. XX/XX/XXXX morning when I check my Chase online banking to see my account is overdrawn by a little over {$5000.00}. I call the claims department who say theres nothing they can do. I drive to the bank where this occurred and sat with the bank manager, XXXX XXXX, for an hour while he spoke on the phone. Apparently all avenues of resolve are completed. 

What I was told : Chase found {$1600.00} dollars extra in the ATM so they credited my account that amount making it where I owe Chase {$5200.00}. Then after the {$170.00} I had in the account its slightly over {$5000.00} that I allegedly owe Chase Bank.
Consumer complaint received 2022-11-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

XX/XX/XXXX I refinanced my XXXX XXXX pickup from XXXX Bank XXXX XXXX Capital One XXXX XXXX. Then on XX/XX/XXXX I totaled the XXXX XXXX pickup and my insurance company totaled the vehicle out on XX/XX/XXXX. They then proceeded to call Capital One to pay {$28000.00} on the {$32000.00} loan on the pickup. Capital One never had the title transferred from XXXX Bank XXXX name into there name. My insurance company XXXX XXXX XXXX ) then called me to inform me that they couldn't pay the loan until the title was transferred into Capital One XXXXXXXX  name. So I started making phone calls to see what was taking so long for the title to be transferred over to their name. Then they told me after numerous calls to Capital One in XXXX and XXXX that I needed to get all this paperwork filled out again from the previous lender and from myself because they didn't have any of the paperwork they needed to send to my state to have the transferred over. I called the previous lender and they said they would resend all the paperwork again to Capital One and I sent all the paperwork I had. After getting all the paperwork sent over I called again to see how long it would take since I still been paying on the loan even though my insurance was trying to pay on the loan. They told me to just have the insurance company to make monthly payments or my credit would be ruined since they wouldn't put my account on hold since I signed for the loan. So after all this time it has been over 8 months and I just called again on XX/XX/XXXX to find out if the title has been transferred yet they told me no it's still pending and I will need to just wait. So I have decided to stop paying the payments even if my credit gets ruined because I can not afford to pay XXXX truck payments.
Consumer complaint received 2021-05-07
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. (PA)

hello my name is XXXX XXXX i am writing to delete the following information in my file. The items i need deleted are listed in the report. 
i am a victim of identity theft and did not make the charge. i ask that the items be deleted to correct my credit report. i reported the theft of my identity to the the federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-10-09
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: AMERICAN EXPRESS COMPANY (CA)

I have disputed a charge from XXXX USA for {$440.00} because I did not receive/order the item XXXX forwarded a statement to AMEX showing the merchandise was delivered. 
Instead of SIGNATURE,, it was showing a TYPED name. 
I redisputed the charge but AMEX rejected my dispute.
Consumer complaint received 2023-01-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

On XXXX I signed closing documents at settlement for refinancing my home mortgage with Carrington Mortgage Company. I signed paperwork which stated my monthly payment would be {$650.00} yet received my first statement stating the monthly payment was {$780.00}. I also received a statement for {$0.00}. No other correspondence from them. Ive called over 20 times and been out on hold for lengthy periods of time, spent 45-60 minutes on the phone with different individuals several times, been transferred to supervisors, given the number for the escalation department and could not reach anyone, told the matter was being investigated and spoken to individual in the expedited concerns/ complaint department, always being left with no resolution although that is what I requested. Carrington admitted human error on their behalf after settlement during an audit which revealed they miscalculated my property taxes and stated this was the reason for the monthly increase of over XXXX on my 30 year mortgage. Before the settlement ( in XX/XX/2022 ) they had just finished a prior settlement with me on the same mortgage but contacted me a week after closing and told me I had to go through settlement again as they were unable to allow the inspection waiver, as signed at settlement, that I had to have an inspection and that my ex husband would not be receiving his cash out payment on time as agreed during settlement, because of another error on their behalf related to XXXX XXXX XXXX XXXX XXXX  updating regulations. I planned accordingly for the refinance based on the amount we agreed on and they changed it without notifying me after signing the legal documents. Theyve been impossible to reach and respond to my request for resolution in the matter as it was their error and we have legal binding agreements. They also gave me less than promised in my settlement check which they later told me I could have been given the option to have the money I agreed to receive or paid it separately to cover the escrow but they took it upon themselves to take the money out of my settlement check without explaining it to me.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX Bank of America performed unauthorized hard inquiry, soft inquiry and opened a Checking and Savings account without my approval using fraudulent information provided by an identity thief. I am the victim of identity theft and am doing my best to move swiftly in order to keep my information safe. I received a debit card as well as welcome letter in the mail and went to a branch in XXXX PA to get them to close the unauthorized fraudulent accounts. I provided all my information along with identifications in person as requested and the Branch manager XXXX XXXX. XXXX XXXX confirmed that this is indeed a case of identity theft and fraud using my information unlawfully. This occurred on XX/XX/XXXX. The card was sent in a name used by the identity thief. I have reported this to the fraud department at BOA and the point of contact XXXX XXXX assigned to me by their " resolutions '' team has been less than helpful. Same with XXXX XXXXXXXX. I have called on more than 10 numerous occasions and have not received a solution. I know that my information has been compromised and that Bank of America did not take adequate steps to verify information before opening accounts ( savings and checking perhaps even credit ) using my personal information provided by a identity thief. On XX/XX/XXXX I sent the Bank of America Fraud department a signed Affidavit along with all requested papers in response to the " investigation '' they performed on my behalf. I have done everything in my power within the course of 5 days that has been asked of me. 


THERE HAS NOT BEEN A SOLUTION TILL DATE.ITs not XX/XX/XXXX.
Consumer complaint received 2024-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I have been scammed and I had fraud charges on my bank account with XXXX XXXX. I disputed charges as fraud, XXXX XXXX  credited my account but later recharged amounts again. XXXX XXXX  did not protect my account from fraud charges, XXXX XXXX  charged me for fraud charges and reported me as abuse. 
Provide evidence of abuse, provide evidence of charges made by me, otherwise delete this information from my credit report
Consumer complaint received 2023-04-14
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. (TX)

XXXX, Equifax, and XXXX are reporting Fraudulent on my credit report. XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX are not my accounts. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX hard inquires are not mine and unauthorized.
Consumer complaint received 2021-02-04
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: ACIMA CREDIT, LLC (CA)

On XX/XX/2019 a line of credit was fraudulently opened in my name by ACIMA CREDIT XXXX XXXX with a current balance of {$1400.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NJ)

In XXXX of 2020, two car loan companies ( XXXX XXXX XXXX and Westlake financial Services ) Stated they would provide 3 payments of relief due to the COVID-19 National Emergency and Business Shutdown. They denied such relief unreasonably and after multiple attempts to explain the situation and offer attempts to remedy the error they have failed to provide such aid and instead of providing relief reported to the credit bureau 's that I was past due. I have never been past due and my credit report reflected a 100 % on time payment rate prior to their failures. Following their failure to provide the relief they stated they would provide, I paid the accounts weekly and provided a payment agreement that stated " By accepting payment you agree to these terms. '' Terms that stated they would remove ALL negative credit reporting information among other things. That agreement, which I consider them bound to, is attached.  I have diligently paid weekly and they have refused to uphold their end of the agreement. 

At this time the account for Westlake Financial Services has been nearly paid in full. And they have been paid weekly as agreed. They have accepted the agreements terms as they have accepted all checks sent to them. There is a small balance owed which can be settled by XX/XX/XXXX should the company agree to delete their account from my credit report. I am attaching the letter I will send to them regarding such. I have been attempting to dispute their false reporting to the bureau 's as well. Westlake Financial has been asked multiple times for Debt Validation. They have refused multiple times. I have sent them a final debt validation request that is now due  XX/XX/2020. But I do not see them providing such information. Specifically, they refuse to explain in writing why they didn't provide the Covid-19 relief to me and why they continue to report my credit past due despite our agreement. 

At this time, XXXX & XXXX has been paid weekly. They have accepted the agreements terms as they have accepted all checks sent to them. They are falsely applying these checks only to interest. I have attempted multiple times to gain Debt Validation and dispute the debt with the Credit Bureau 's. They refuse to modify their reporting in any way but still cash my checks even though our agreement states " Automatic agreement with these terms will commence upon receiving ANY payment from { ommitted } in regards to remedying this account. By accepting payment you agree to these terms. '' I have paid these accounts through extreme financial hardship and my credit is being ruined for no other reason than these companies failed to provide COVID-19 relief after stating they would provide such relief. I am seeking government intervention and/or enforcement of the Fair Debt Collections Practices act which both the bureau 's and both loan companies are violating.
Consumer complaint received 2023-01-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (AZ)

I reached out to Nelnet on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). We were behind on our bill and the call started letting me know that I was a month going on XXXX months late. This is for my student loan, which is not federally backed. 

I requested an economic hardship deferral. Immediately I met with let 's get you on an income repayment plan. I explained that my wife had been in a terrible car accident. The rep. still wanted me to do a reduced payment plan. 

I then explained more of the story about the accident and our current circumstances. 

On XXXX XXXX XXXX my wife was in a tragic car accident and was airlifted to a medical center in XXXX XXXX Her car rolled over her breaking all of her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Her surgeries were successful, and she is currently in inpatient rehab in XXXX XXXX 

However, we went through a period where we lost my wife 's income ; she was the primary provider for our household. We are currently swamped with medical bills and trying to make ends meet with XXXX of her income and my adjunct teaching salary of about {$440.00} a month. I am working as hard as possible to obtain gainful full-time employment. I am requesting a deferment/forbearance of this loan until we change our current emergency mode financial situation. 

Then she asked me about my employment. I told her that I was employed at XXXX XXXX XXXX as an adjunct instructor and made {$440.00} ( ish ) a month. She asked if I had tried to get employment... .full-time. I explained that I have submitted numerous applications over the past few months and am still looking for full-time employment. 

She finally stated that we qualify for the deferment but that there are needed documents. I asked for clarification. She mentioned my XXXX pay stub. I asked about what was needed for my wife 's accident. She didn't let me know what document was needed. I sarcastically asked if I need to show a video of my wife in the hospital without the use of her legs. She said sure, that will work. 

I asked how to submit the documents and was not given this information. 

I pivoted to ask about the payoff and if my family could contribute to help. She was more than willing to talk about this part of the process with me. 

This is unacceptable! We are in need and have a legitimate life crisis, and all Nelnet cares about is their money. This reminds me of the illegal tactics that XXXX XXXX was busted for a few years back. 

After the call ended, I went online and emailed support. I don't have an answer yet but the process is still very much... .you need to pay. We can not, at least not right now. 

This process during a trial like we are going through adds to the hurt and pain. Please help us!
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 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 XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-06-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please update this account : XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}