davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MD)

Having checking account with Chase Manhattan bank regularly paying my Chase Manhattan bank credit card balance from my Chase account. In XXXX similarly arrange on Chase website payment from my Chase checking to my Chase credit card - {$490.00} for XX/XX/2023 having sufficient funds on the checking account funded with my Social Security benefits. Then Chase Manhattan Bank denied the transaction, sending me a letter-attached that recommends to contact my financial institution in order to clear the transaction and providing for my convenience the XXXX number of the institutiion - their own number. My attempt to resolve the issue connecting Chase via phone, and secure messaging did not come to results with cliche responses - " cope and paste '' contact your fiancial insititution to allow the transaction. I believe it is fraud focused on extortion late fee and interest payments to the bank. My majot concern is that if Chase Manhattan bank commting sch frauds what is a status of our banking system.
Consumer complaint received 2022-04-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$5400.00} / XX/XX/2022
Consumer complaint received 2020-07-05
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: Experian Information Solutions Inc. (TX)

I paid off a debt to XXXX XXXX XXXX but still shows on my credit report and XXXX  XXXX CC however my score should be much higher and I have over 66 months on time payment history and my CS should be higher I have different scores with XXXX XXXX and XXXX but with Experian its very low and I want to know WHY!!!! This is my problem and Im not going to play the XXXX XXXX but this looks very fishy to me.
Consumer complaint received 2020-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

Navient failed to apply my approved borrow defense discharge to my student loans. They also failed to forward the approval letter to XXXX. I was approved for borrower defense on XXXX XXXX. Per the Borrower of Defense the approval letter was sent to Navient on XXXX XXXX. My loans were not completed to be consolidated and switch over to XXXX until XXXX XXXX. Navient did not submit any of my approved information to XXXX so my loans were never discharged due to their negligence. Navient continues to violate my rights .Navient states they no longer service my loan but failed to apply the discharge before it was transferred over and refused to submit paperwork of approval to XXXX
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (FL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2020-07-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (SC)

I have been using the XXXX app for payday advances well now PNC bank will not let me connect to the app. I should have a choice about what apps are blocked. Yes I understand letting me know that it has been accessed but let me make the decision to let it continue or refuse!
Consumer complaint received 2022-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

THIS IS NOT A DUPLICATE COMPLAINT. READ THE COMPLAINT IN FULL. 

This has been ongoing for months now. Since XX/XX/XXXX to be exact. A person made payments to me for items that Venmo deemed high risk so they froze my account. I was told I had to wait until on or before XX/XX/XXXX and that I would receive an email stating my funds were available for withdraw. On XX/XX/XXXX, I finally received that email after funds were being held since XX/XX/XXXX. So initiated these transfers to my linked bank account on file. Later that evening of the XXXX of XXXX, right before these funds were about to be sent to me, I received an email from an account specialist saying that the payments were being disputed and to provide the information regarding these transactions. These payments had already been disputed and deemed in my favor based on the information provided to them about these transactions back in XXXX. So when I receive this email it confused me considering the night before I received an email that I was told I would receive once my payments were able to be withdrawn. Instead my account got REFROZE. And Venmo requesting the same exact info I have already provided to them. I spoke with a supervisor on XX/XX/XXXX, and she agreed that this isnt right and escalated my case. Said I could contact her whenever to see what the deal was. Well I hadnt heard anything and so I reached out again to speak to a supervisor on XX/XX/XXXX. Was told my case was escalated again. I havent gotten any response from a specialist Ive reached out to them on multiple occasions. I was told turnaround time was 7 days and to allow up to XXXX weeks. Well we have reached that point now and my account is still frozen with my funds in it. Ive been lied to. I called yesterday to talk to someone again and was left on the hold line for FOUR hours while I was told from a rep they were gon na get a supervisor. No just sat on the phone for XXXX hours for nothing. At this point, the business practice being done here is unethical, its atrocious to say the least, and I want my funds like the email I was told to be waiting for said I could have. Im not sure whats going on at this place but I expect a resolution very quickly as I have every right to feel how I feel because Ive been lied to, ignored, and basically makes me feel like my {$3200.00} is a big joke to them.
Consumer complaint received 2022-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CO)

I have worked for the XXXX XXXX XXXX XXXX XXXX, starting when I was XXXX XXXX XXXX. When I started working I was already in college and it took me about XXXX more years to finish due to unexpected kids, wife getting laid off, needing to work extra hours to pay the bills, and so on. I eventually made it though and graduated when I was XXXX. Due to having XXXX kids, low paying, jobs and struggling to pay bills I chose the lowest repayment plan I could to get by. I did this for about XXXX or so years until I decided to check into my PSLF status to see how close I was to get my loans forgiven. This is when I learned none of my payments counted towards this program. Not a single one of those 85 or so payments counted because it was not a qualifying repayment plan. Plus some of my loans were not eligible because they were FFELP loans. Doing some research it seemed there was really nothing I could do about it. So I decided since I have to start from zero might as well consolidate to get my various loans, particularly my ineligible loans, into one eligible loan. I applied for an income driven plan to make sure I was making eligible payments going forward. Amazingly the income driven was far less than the lowest plan I was paying for. My new payment was {$70.00}! How broken of program is it when I was making a combined {$350.00} payments a month for seven plus years and those don't count. Yet my {$70.00} payment does count? Right after I consolidated COVID hit and the payment pause took affect. Then the PSLF limited waiver came out and I immediately applied for it. With my seven plus years of payments and two years of payments freezes that still count towards payments I have to be real dang close to getting these loans forgiven. Excitement is in the air. I got a letter giving me a breakdown of my eligible payments and it only counted payments since I consolidated. My understanding is that payments before consolidation will count towards this limited waiver. I was told when you consolidate only the ELIGIBLE payments made before consolidation will count as part of the limited waiver. Seriously? I consolidated because I was told my prior payments didn't count because they were not eligible payments amd some my loans were not eligible. So I consolidated and got on the correct plan. So I was squared away and just had to make 10 more years of payments. This waiver comes along and because I did what was best for me at the time two years I am now screwed out of getting my loans forgiven later this year. If I had not consolidated two years ago my loans would be getting forgiven by XXXX. But because I was doing what I needed to do two years to get my loans forgiven down the road it made me ineligible for forgiveness now. Broken system. I just can't anymore. A person like me who tries to do everything right and I just keep getting screwed over.
Consumer complaint received 2021-11-20
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. (IL)

TransUnion XXXX & XXXX violated my rights as a consumer in XXXX XXXX XXXX and refuses to exclude all information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2020-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

12 YO VEHICLE COMPANY TAKES ADVANTAGE OF WEARY CONSUMERS INCORRECT BALANCE AND PAYMENT INFORMTION IS BEING REPORTED TO THE CREDIT BUREAU EXORBITANT INTEREST RATE INITIALLY CHARGED AND NOT EXPLAINED PAYMENTS NOT BEING APPLIED CORRECTLY TO THE PRINCIPAL OVERCHARGED FOR AUTOMOBILE FRAUDULENT COMPANY PAYMENT IS {$620.00} ( XXXX APLIED TO PRINCIPAL AND {$360.00} TO INTEREST )
Consumer complaint received 2019-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WV)

This involves a Chase Advantage ( checking ) account. It's like a credit card, but used by checks only. The account was under my husband 's name only ( contractually person ), I as his spouse was " authorized user ''. My husband passed away XXXX XXXX, XXXX. I went to Chase Bank with Death Certificate and they " refused '' to write account off ( no explanation as why the refusal ). I was " forced '' to change account to my name, so I did. At time of death the balance was {$3600.00}. I faithfully paid on account, but XXXX, XXXX I paid account off as it was unusable since XX/XX/XXXX ( Chase no longer honored this type account ). I paid {$1900.00} ( with a no interest credit card till XXXX ) + {$10.00} interest billed in XXXX. I read an article in XXXX bulletin about Death & Debt and it stated that an " authorized user '' may not be responsible for debt balance due at death. So, I wrote a letter to Chase requesting that they please consider paying me back what was owed at time of my husband 's death, and gave it to Branch Manager on XX/XX/XXXX, and I HAVE NOT HAD ONE RESPONSE TO MY LETTER which is really very frustrating. I may be a XXXX year old widow, but that's not an excuse to completely ignore my request. I have consulted an Attorney and he was the one who gave me this information about your Website. I will forward the letter that I wrote to Chase as it has lots of detail in it. I hope this information is helpful to start process.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

I AM NOT RESPONSIBLE FOR THIS LOAN, I HAVE DISPUTED WITH ALL THREE CREDIT COMPANIES, SO FAR XXXX  HAS DELETED THIS ACCOUNT. I CAN NOT GET IN CONTACT WITH A REP FROM THE COMPANY ANYMORE. THEY ARE REPORTING THE WRONG INFORMATION ON MY REPORT
Consumer complaint received 2021-11-21
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: NAVY FEDERAL CREDIT UNION (GA)

on XX/XX/XXXX i sent a letter of validation to navy federal credit union. i have not received proof of validation as of yet. They also accessed my consumer report without written or verbal consent. under 15 us code 1681 the consumer has a right to privacy. i have also received multiple letters from them with name and logo on mailing envelope. this is violation of 15 us code 1692f. 15 us code 1635 was not disclosed to me either this is also violation of federal law. 15 usc 1605a was not disclosed to me. Nav federal is attemping to collect an alleged debt illegaly via XXXXXXXX XXXX. article 1 section 10 states debt can only be paid with silver or gold. i truly feel like im be taken advantage of. If this alleged debt is not stated paid in full immediately. i will file litigation due to XXXX and unlawful use of my consumer report
Consumer complaint received 2020-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I was notified in XXXX that I was a co-signer on a student loan and that the loan was not being paid. I advised them that I had never co-signed for a loan and asked them to send me the documents. I made a police report for fraud and with the continued phone calls to get me to pay, I contacted an attorney. After 5 or 6 years of my attorney calling XXXX and a lot of money, We were able to get 2 civil judgments in court against XXXX advising them that the loan was product of fraud and unenforceable against me. Mt attorney sent XXXX a letter informing them of this along with the copy of the 2 court orders/judgements. XXXX disregarded the courts judgement and continued to pursue me for collection. I was notified by 6 different collection agencies and each time I advised them to contact my attorney that we had judgements from the court. The calls would stop from one agency and started with another until they finally stopped after a year or so. They still report this on my credit reports. It says I am years and years behind ( Late ) and late to the sum of over {$20000.00}. I filed a dispute with all 3 credit reporting agencies several times, including a copy of the court judgements.. I was told they contacted XXXX, they advise its good debt, and it stays on my credit report. XXXX has completely ignored the judge and his findings. The credit reporting agencies follow what XXXX says and not the court. This has been going on since XXXX. I do not know who else to turn to. I have tried Lawyers and credit repair places trying to get this removed and have spent a great deal of money over the years to no avail. This has prevented me from obtaining credit at most places and purchasing items. I have a clear credit report with the exception of this. I pay my bills and my own student loans. Please find attached the letter from my former attorney that was sent to XXXX and the 2 court orders/judgements. ** Please note Step 4 would not let me add XXXX. 
Thank you. 
XXXX XXXX
Consumer complaint received 2022-07-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Credit Acceptance Corporation is a Predatory Car lender that gave me high-interest subprime auto loan. The lender harassed me with phone calls. They called me from unknown number asking for payments. They also placed this on my credit report causing without my permission. The company has profited from this loans, and I have experienced credit harm, and lost my vehicle through repossession ( Still a harasser after repossession ), and down payments. I was also a subject to hidden finance charges, which I believe is in violations of the states usury cap. I was also unaware of this higher-risk loan. 

In accordance with the Fair Credit Reporting Act, Credit Acceptance Account XXXX XXXX has violated my right. 

Highest Balance XXXX Opened XX/XX/XXXX Term 66 months ( 5 years ) Last Payment XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

I have proof of all of the below : I paid {$750.00} to adopt a purebred cat from a breeder. The individual took the money from my account via XXXX and I never heard from them again and obviously never brought me the cat. I complained to Chase and I have been given the runaround since XXXX to now. 

Just today I was on the phone for 2 hours and they said my claim was closed. I have never received emails or physical mail stating that. Nor did they ever ask me for proof of my interaction of the cat breeder. So Im not sure exactly what they investigated. 

When I said I dont think theyre understanding me, the customer service laughed and said in a mocking way, haha, Im not understanding anything youre saying. This was unprofessional because I was clear and concise and do not have an accent but XXXX the supervisor from the Texas claims department at Chase certainly did.
Consumer complaint received 2019-01-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I have a mortgage with Wells Fargo Bank and I believe they are not processing my payments upon receipt. I tried to get a home loan in another state where I now live and the lender said that wells fargo reported me 11 times for being 30 days or more late on my mortgage in the past year which has affected the opportunity to buy a home in my new state. I spoke with a wells fargo rep who reviewed my payment history and confirmed that I have not been more than 30 days late in the past year but refused to write a letter stating this for the lender I am trying to work with here in my new state. I then went into the Wells Fargo mortgage web site to look at my payment history over the past year from XX/XX/2018 to the present and the only payments showing in the history are for XX/XX/18 then it jumps to my XX/XX/18 payment and no payments in between. I believe wells fargo is not giving accurate information to the credit reporting agency and they have not been immediately applying the funds I pay to my mortgage account in a timely fashion so as to cause my payment to be late thereby charging me a late fee. I am requesting a full investigation into wells fargo 's management of my mortgage account. Thanking you in advance. 

XXXX XXXX
Consumer complaint received 2021-03-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have some collections on my reports that are over 7 years old and i have been trying to dispute them since XXXX and have had no luck. 
My understanding was that once you filed an dispute the credit bureaus had 30 to reply or fix it. None of this has happen. I check my reports all the time and as of today XX/XX/2021 nothing has came off. 
I mean seriously how long does this take?
Consumer complaint received 2022-04-09
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: Experian Information Solutions Inc. (PA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The accounts below are reporting on my personal credit file with TRANSUNION. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.