davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I am filing a second complaint because I believe this is absurd and I have been treated so rude. On XXXX  XX/XX/XXXX after speaking to a chase representative on phone I was told to deposit funds while I was also waiting on my XXXX to hit my account XXXX XX/XX/XXXX. I was assured o could make a deposit to bring my account current after a check was given to me that I deposited and unbeknownst to keep it was not a good account or I never would have deposited. 
I deposited XXXX cash Thursday at local branch and then was waiting for XXXX to hit that I thought was going to be XXXX but ended up being XXXX. On Friday when I called it showed both cash deposit and my XXXX had been rejected due to trying to close my account. After I was told if I brought account positive my account would remain open. I then spent over XXXX min Friday at local branch. My plan was to deposit more money. The manager XXXX was so kind he said no notes had been noted and he agreed my cash deposit and XXXX should have posted towards balance. I wanted yo deposit more money to bring account current but he advised me not to till we found why my other funds had been rejected and of course being a XXXX  weekend nothing would happen till XXXX XXXX. Of course I tried to go make a deposit after work and to be sure all was good with account but by the time I got out of work and to bank they were closed o thought XXXX not XXXX. Anyway my point is I feel I have been treated incredibly rude during this situation with exception of local branch manager. I do not feel this is my fault at all and have been a customer for XXXX XXXX years even a XXXX XXXX. We never would treat anyone like this. I would appreciate honoring what I was told and my account ending in XXXX remain open. I have XXXX  accounts and pretty much everything else tied to this account and treated very unkind during something that was not even my error. You are supposed to protect your customers not treat them like this.
Consumer complaint received 2023-01-18
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. (CA)

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N. THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$940.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$5400.00}
Consumer complaint received 2022-05-21
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2020-07-08
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. (ME)

in tolusions that belong to someone with same name but different DOB and address. One inclusion should have been removed due to fraud but still remains. The XXXX XXXX still reports inclusions that belong to someone else and with same name but again different DOB and address and refuse to address. recently we recieved a report from equifax that still after months showed the fraud account and it should have been removed last year Both XXXX XXXX and equifax have refused to correct their errors and we are talking from 6 months to 2 years. what can I do to fix this?
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (UT)

SYNCB/XXXX  - XXXX is reporting 30 day late 's on my account. I have never been late on this account. I have never received a notice or a phone call from Synchrony bank that i had a past due balance. I do make my payments on time and i should not have these late 's in my account.
Consumer complaint received 2023-01-18
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)

I AM WRITING TO DELTE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Neon Newco Corporation (TX)

I was at a store making a purchase. I grabbed the wrong card, and it should have denied the charge. Instead my account was overdrawn. I never opted in to overdraft protection on this account ( or any other for that matter ). As far as I know, banks are required to have customers opt into overdraft protection as of several years ago. 

This account in particular is from my job. My tips are paid to this account. I didnt set it up or sign up for it. Ive just been using it since it was given to me by my job. 

This charge should have absolutely been denied, and now Im freaking out about overdraft fees. Sucks!!
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (PA)

I contacted Wells Fargo on XX/XX/2019 to inquire about the product that I received from them. I was approved for a charge card ( {$2700.00} in credit ) that was useable for two merchants : XXXX XXXX and XXXX by XXXX. When I spoke to a CSR, I was informed that I couldnt use the card for the other merchant, but strictly XXXX XXXX. I was also informed that I couldnt change the product neither transfer/reallocate my credit line because it was a charge card, so I requested them to close the account. Though my account was in good standing and never used, closing my account with Wells Fargo impacted my credit score. I was highly disappointed and dissatisfied with their service. Why would the lender issue me a product that had both retail brands printed on the card itself? Thats false advertisement! Both companies are affiliated and issued by the same bank. I filed a dispute ( same date ) with the credit bureau to inform them in advance that Wells Fargo closed the account by my request. Less than 30 days, I saw remarks on my account that stated consumer disagrees when all I did was close the account due to false advertisement.
Consumer complaint received 2019-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Recovery Services, LLC (LA)

I noticed this company attempting to collect a debt after seeing my credit report. I do not recall ever getting a letter informing me of the debt so I sent a request for them to validate the data and amount for I had medical insurance and do not believe an outstanding debt was incurred. I have sent 2 requests, both by certified mail. I have yet to get anything from them validating this debt so they have ignored me twice yet continue to report such as I have just checked today. 

I don't know how they are able to just ignore me and violate the law as they have done and are doing.
Consumer complaint received 2020-07-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (OH)

My husband passed away two years ago. Both our names are in the deeds to the house but he later went on to take out a mortgage in his name only. 
I am selling the house and the mortgage company, US Bank sent a payoff amount with over XXXX added for escrow. They claim theyve been paying insurance. They didnt need to. They say a XXXX XXXX dollar payment for insurance was charged to the home mortgage in XX/XX/XXXX. They are refusing to adjust this amount in the payoff to reflect that as of Monday I wont own the home or need it to be insured for the coming year. 
They said after the house sale the insurance will be cancelled. They said I could fight with the insurance agency to be reimbursed but added that as the mortgage is in my husbands name it wouldnt be payable to me.
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NM)

I have contacted Chime bank on several occasions since XX/XX/22 in regards to them closing my account and issuing my remaining funds, the most recent interactions being today XX/XX/22. Chime has given me no straight answers and refuses to release my funds to me, but also refuses to give me a real reason for the closing of my account. I can not wait XXXX days or more for my funds, I am a single mother to XXXX young children and need my money for food & other lively expenses. Please help me.
Consumer complaint received 2020-05-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc. (FL)

Hello, my name is XXXX XXXX unfortunately I got laid off from work at XX/XX/XXXX, due to covid19 pandemic and XXXX XXXX sent my card to collection, I got call from company called Gatestone ( what I find out when I asked who is that ) and I was notified that my balance is XXXX. XXXX $ cents ( right now its about XXXX $ ) at what I responded that I have no chance to pay any amount on any of their fake arrangements ( they told me pay XXXX $ min no matter what, thats funny I need to save money for food cuz here no work ), since that time they added like XXXX $ in fees about which they never told me or sent in email, when I asked why my balance goes up all the time they told me we dont know, ask your bank, after what I called bank and they told me that this is collection company responsibility and they cant access account. 
Other problem whats making me mad is their calls, they didnt missed any single day in last 2,5 months without calling me like 2-3 times a day minimum, sometimes when I pick up the phone they dont even saying nothing and just hang up, but when they start speak they trying to get all the info like SSN, DOB and my name before introducing themselves.

2 weeks ago I called them trying to speak to supervisor and find the way to make some kind of arrangements and somehow stop those calls and very first second he started yelling on me and acting arrogant and mad, breaking me while Ive been speaking with him so I didnt got more passions for that and hang up. 
Right now Im still laid off and waiting for my workplace to reopen on next phase ( Resident of Florida ) and any money I have left I need to keep for food AT LEAST, to survive that. 
P.S - photo below its the only one email what they ever sent me, sneaky liars.
Consumer complaint received 2021-12-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (MD)

I have file two previous complaints with Loan depot for a lien this missed 3 times and predatory lending. Both previous complaints have been closed with a letter from XXXX XXXX stating they would assist with the lien ; they also sent an authorization form which I returned. The form was sent to XXXX XXXX XXXX, which to this day I have not heard from anyone, especially my point of contact XXXX XXXX. 

I have reached out to XXXX XXXX and left voicemails, and have not received a phone call or an email. It is apparent they are closing out complaints and not doing their part and just sweeping it under the rug. 

Furtheremore they have not even addressed the predatory lending allegations. I will attached the letter and pertinent documents to this complaint
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (GA)

I closed my mortgage with US Bank Home Mortgage ( Loan A/c XXXX ) in XX/XX/XXXX. There was excess money in my escrow account there was a excess of US Dollars XXXX. The mortgage company sent me a checck for the same. I could not cash the @ check since I was out of the Country and was held up in XXXX due to XXXX. By the time I returned the above Check has become Void ( since180 days have passed from the date of the Check ). Check No. XXXX dated XX/XX/XXXX. 

I requested the above Morgage for a Duyplicate Check in XXXX / XXXX. Their Customer Service team asked me to contact their Mortgages Released Section who in turn pushed back and asked me to call Customer Service which I have done multiple Times. 

On XX/XX/XXXX I talked to their Rep ( Name not known ). I was promised a duplicate check after they verified all the Info. Nothing happened. I called again on XX/XX/XXXX and talked to XXXX XXXX ( Last name was NOT given ) then again nothing happened. On XX/XX/XXXX, I had to repeat the entire process and this time, the call was handled by Customer Representative XXXX ( last name not given )
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (FL)

made depsosit XXXX mos ago still on hold when they sent me letter sayinng hold only 10 days in violation of law they never sent me letter of extended hold they will not release my money almost XXXX mos now on hold
Consumer complaint received 2023-05-27
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: TRANSWORLD SYSTEMS INC (AL)

This company has committed fraud and required payments as well as fraudulently attempted to accept them when federal law states and is PROOF that ALL debt is due to the United States which wouldnt require me by law to owe ANY DEBT to TRANSWORLD SYSTEMS according to 18 USC 8 which states The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. which is furthermore PROOF and FACTS that my complaint against this company CANT BE REBUTTED and is also PROOF this company is or has been committing a crime since the first payment was made or is currently being demanded to pay a debt claimed to be owed by me.
Consumer complaint received 2019-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

I paid my XX/XX/XXXX payment on XX/XX/XXXX, which was late ; since my due date is the XXXX. I noticed my student loan monthly payment went up to {$200.00} when Nelnet emailed me on XX/XX/XXXX. Also I made 3 payments in XX/XX/XXXX to make my account current. I called Nelnet 2 days later on XX/XX/XXXX twice to find the reason why my monthly payment increased. I don't remember the first reps name, but she told me the reason why my payments went up, is because I'm on the graduated payment plan and I've already made 24 monthly payments. That is a blatant lie, since my loan transferred to Nelnet in XX/XX/XXXX and I paid {$190.00} that month, which was my monthly payment I had at XXXX XXXX before Nelnet took my loan over. Nelnet in a letter I received said it would be ok to pay that same amount for first month and then I would have to pick a payment plan. I picked the graduated plan and for the first 24 months I would pay {$160.00}. So, I called back after doing some research to find out how many payments I made. I actually only made 16 payments up til that point, so I should technically have 8 more months, now 7, to go before my payments go up. I called Nelnet back the same day and spoke to XXXX ; I explained the reason for my call and what the first rep said. After a couple minutes of XXXX reviewing my account, she said the reason my payment increased, was because interest had recalculated when I get off the auto debit program, which makes no sense either and I even stated that on the phone before the call ended. That answer isn't legit either. I was on the auto pay at the end of XX/XX/XXXX for a couple months and when I got off of the auto pay program my payments never went up, because of the interest recalculating. So, at that point I emailed Nelnet to see If I could get a correct answer, since obviously the reps that are working at Nelnet have no idea what they are doing and talking about. Nelnet emailed me back a few days later and said in the email to call them. I called Nelnet on XX/XX/XXXX and the rep said that when my loan came over Nelnet ; Nelnet didn't have the right terms for the payments, so when Nelnet found out, the terms were corrected. I a lot of things are wrong with this : First off, the first 2 of the reps lied, which I'm pretty sure is a violation of the FDCPA. Second it shouldn't have taken 3 calls to get the correct answer. Third I shouldn't have to bite the bullet per se, because Nelnet couldn't do their job before they took complete ownership of my student loan in the first place. Lastly a flag should have been seen by Nelnets system between the {$190.00} payment and the {$160.00} payment. So, I applied for an income driven payment plan.
Consumer complaint received 2020-06-30
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: EQUIFAX, INC. (CT)

Equifax, XXXX, and XXXX  has violated my HIPAA rights. I asked XXXX XXXX XXXX to send me evidence to validate my debts with the original Creditor and they sent me copies of personal medical info about my visit at the hospital. They never sent me proof of my signature from the original Creditor to release mine or my daughter 's medical information to a third party!!! 

I want Equifax, XXXX, and XXXX  to delete these erroneous accounts off of my credit reports immediately. I have already contacted XXXX XXXX XXXX and informed them they are in violation of my medical privacy under the HIPAA Act! I am filing a complaint with all three credit bureaus again!! My next step is litigation!!
Consumer complaint received 2019-11-06
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. (NY)

I have contacted XXXX Card several times, sending emails calling and even faxing the unauthorized charges herein below that were NOT AUTHORIZED, but now XXXX  Card again posted all the charges back to my account for transactions listed below. 
XXXX resolution support credits and then post the charges again to my account over and over, making it almost impossible to understand why they are still reversing the charges. 
The XXXX resolution support person I spoke with several times not all but one of them very much treated me like a child and even made defamatory comments towards me instead of taking care of the issue when I first contacted them in the year 2018. 

XX/XX/2018 - XXXX XXXX MTG PAYM XXXX XXXX NV - {$1400.00} XX/XX/2018 - XXXX XXXX  XXXX XXXX NV - {$5300.00} XX/XX/2018 - XXXX XXXX  MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX  MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - XXXX XXXX MTG   PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - XXXX   XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$1400.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$5300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2300.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} XX/XX/2018 - TRANSFER BALANCE - CHARGE BACK TO ACCOUNT XXXX : XXXX XXXX MTG PAYM XXXX XXXX NV - {$2500.00} All charges herein above are UNAUTORIZED CHARGES, XXXX is aware that the charges were not authorized, and they keep posting it back to my account. 

I am NOT RESPOSIBLE FOR All the charges ; they know very well after numerous explanations about the company XXXX   XXXX. I have no contract with XXXX XXXX and all the charges listed above were once again NOT AUTHORIZED. 

This is destroying my credit and now I have to file this complaint against XXXX XXXX. 

All charges above should be credited to my account as soon as possible. I am not going to make any future payments to XXXX. 

I am already in litigation with XXXX XXXX and will soon be in litigation with XXXX card. 


I would like to request that all NOT AUTHORIZED CHARGES above to be credited to my account as soon as possible as I am not going to make any future payments to XXXX since they are very much aware of the UNAUTHORIZED CHARGES issue with the merchant XXXX XXXX. 

Unless XXXX can prove without a reasonable doubt and solid that I do have an account with XXXX XXXX and that I did authorize the transaction.
Consumer complaint received 2020-05-21
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: Bread Financial Holdings, Inc. (MA)

I saw my recent credit report that I have late payments on my history with this account which I think I am not late at all. 
CB/VICSCRT XX/XX/XXXX, XXXX & XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX