davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (NY)

TL ; DR Chase Auto Finance ( referred as " Chase '' below ) failed to request refund of a wrong-charged property tax even after numerous communication. First they told me I did not have to pay this wrong property tax, then they tried to collect debt on it aggressively. 
Details : I leased the vehicle from Chase between XX/XX/XXXX -- XX/XX/XXXX. During the time, I registered the vehicle in XXXX CT between XX/XX/XXXX -- XX/XX/XXXX. However, due to some incorrect calculation, I have been charged for an extra year of property tax in CT, which was around {$900.00}. 
Around XX/XX/XXXX, when I noticed this issue, I immediately called Chase several times and their representatives confirmed that I didn't have to pay this because they would request refund to write-off this balance. Then per their requirement, I mailed all the proof for their refund purpose. 
I continued to pay all my monthly payment until I returned the vehicle on XX/XX/XXXX. Meanwhile, Chase kept telling me that I did not have to pay the property tax because they were requesting the refund. Out of good faith, I paid extra more than {$800.00} to cover the {$300.00} turn-in fee and hoped they would refund me the rest as long as they receive the refund from the property tax form XXXX XXXX. 
From XX/XX/XXXX, Chase suddenly started the debt collection process first by themself and then turned this account to several debt collection agents, claiming that I have to pay them back around {$500.00} regardless there is any potential refund or not. This behavior caused lots of interruption in my life. 
At the same time, I called Chase numerals times asking whether they had requested refund from XXXX XXXX. They said they did, as long as I remember, they confirmed they requested this refund on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
However, I called XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX on XX/XX/XXXX, according to the their record, there is no refund made from Chase at any time. Then I called Chase again at the same day asking why they deliberately procrastinated the refund request and what they wanted to do to resolved this case, they refused to give any resolution. 
Clearly Chase have long been ignoring the legitimate refund request on purpose to create unnecessary balance. At the same time, they were still aggressively collecting the non-existed debt. Their service and this whole experience caused a huge pain and an unreasonable burden for me, because I had to communicate with several debt XXXX, have long call with Chase in numerous times and even find record from the XXXX XXXX. 
I demand Chase to stop the debt collection and refund my net balance as soon as possible.
Consumer complaint received 2021-12-08
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: CITIBANK, N.A. (CT)

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

On XXXX occasions on XX/XX/2021 and XXXX I sent certified mail a letter to XXXX, XXXX and XXXX. In the letter was a request to verify through physical verification of the original signed consumer contract for any and all accounts that they post on my credit report. 
I asked that proof be mailed to me for all accounts on file. I advised that according to the Fair Credit reporting Act, Section XXXX ( a ) ( XXXX ) ( A ) that you are required by federal law to verify and additionally I am to XXXX permission to post anything to my report which I did not. In XXXX I had my credit report frozen and they still didnt send any verifiable proof. It has been almost 9 months since my initial letter. 

This has hurt my ability to get credit. 

I said if they can not provide a copy of verifiable proof they must remove the accounts in question. They didnt not remove the accounts
Consumer complaint received 2022-03-30
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-10-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

Flagstar Bank has been harassing me about an old mortgage which was transferred to them about the same time I refinanced the VA loan with a new lender. See below warning I sent them recently. They should have their license revoked. This has be going on for 45 days and I have tried to get them to stop by phone and email and the robot calls continue enough is enough Mortgage Payments Flagstar Bank you are put on legal notice I will immediately sue Flagstar bank for harassment by mail and ROBO calls to my phone and mail concerning payments on a Mortgage loan which was refinanced by a new lender on XXXX XX/XX/2020 and your funds your looking for are with XXXX. ( I have called you 3 times about this loan. I have a new loan and it sure is not with Flagstar. Further I will send a letter to the VA to suspend your license for harassment to a VET, I'm done calling or writing you. You ding my credit and will take this further to court. 
SIGNED XXXX XXXX XXXX
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

Hello. My name is XXXX XXXX. My number is ( XXXX ) XXXX. I have recently been the victim of fraud by the Venmo application. You may or may not be aware of the Venmo application made by Paypal to send money from individual to individual using linked bank accounts and debit cards, similar to XXXX. 

Recently on XX/XX/XXXX, my friend XXXX XXXX was having issues with this application. She had {$300.00} in her account but was unable to utilize the instant cashout option to deposit the money instantaneously into her account for I believe a 1.5 % hit ( this is a service Venmo usually offers ). However, since it was unavailable to her and she needed money immediately, she sent me money through Venmo, I successfully was able to withdraw the money instantaneously into my bank account, I withdrew it as cash, and I gave it to her. I took the 1.5 % hit since I was the one utilizing the instant withdrawal service. 

This past weekend, I received an email from Venmo. I have attached it for your reference. We attempted to debit the disputed amount of a recent chargeback filed by your buyer, but you did not have enough funds in your Venmo account to cover it. Therefore, they froze my account and say I must pay them {$300.00} to recover my account. 

I spoke to this friend of mine - its my best friends sister who also happens to be on her way to becoming a doctor. She stated she did NOT request a chargeback and there is no money in her Venmo account. So they did not give her the money back and they expect me to also pay them {$300.00}. This is completely inappropriate. My friend XXXX has also stated she has been having problems with Venmo. This is a pattern. I am afraid that if I dont pay Venmo this {$300.00} that they do not deserve, that my credit score will start going down. Please help me to fix this situation. I emailed Venmo, replied to their email, I called, I chatted with their agents, and this problem has not been resolved. Everyone I speak to keeps saying they will escalate but I have not received any emails indicating any escalation. I dont know where else to turn. I believe Venmo could be doing this to others as well and want to make sure its isolated at the very least and not a pattern of fraud. Thank you kindly for looking into my situation.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TN)

XXXX account was paid and was not in collections, this is only showing up on XXXX and XXXX. 

XXXX is a fraudulent account and was investigated by my bank and was shown as fraud. 

XXXX is reporting multiple times and for several different amounts when these loans have been consolidated and put through the XXXX department of education. 

XXXX XXXX credit card was lost or stolen and reported as such on transunion but the other bureaus have the wrong information. 

XXXX has inaccurate information for the last date active and it was filed under bankruptcy from the joint account holder. 

XXXX has inaccurate information reporting and multiple accounts with different balances. The information completely false. 

XXXX is reporting a 30 day late and the payments were never late for this account. 

Walmarts information is inaccurate and I canceled the card not XXXX. 

XXXX is reporting 90 days late and that is inaccurate information. All payments were auto drafted and paid on time.
Consumer complaint received 2021-11-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

Both student loans serviced by Firstmark were on Auto Debit, with no missed or late payments for many years, as of the XX/XX/21 statement ( attached ). After my bankruptcy filing, Firstmark unilaterally cancelled the Auto Debit agreement, yet still required payment for my loans. They claim they sent a letter to me stating Auto Debit was cancelled. I did not receive this letter, and Firstmark can not prove that it was delivered or even sent, as it was not sent via Certified or XXXX mail. After downloading said letter from the website, I realized that it was generated on XX/XX/21, and that they claimed that the Auto Debit was cancelled " at my request ''. This is a lie. I did not request the Auto Debit to be cancelled. Firstmark cancelled it due to the bankruptcy filing, because according to one agent, " that's just the way the system is set up ''. There was no permission from me, nor legal requirement to cancel the Auto Debit agreement, because these agreements with Firstmark can only be set up via a checking or savings account - not a credit card. Only automatic payments from a credit card are required to be cancelled in bankruptcy. Furthermore, aside from the auto debit cancellation notice they claim they sent, no other statements or letters were sent regarding this account until late XXXX. Upon realizing that the account was in arrears, I immediately made payments to bring the account current. However, Firstmark by then, had already reported the lateness of the account to the credit bureaus. This is an extremely unfair practice, especially considering there has never been a late payment on this account.
Consumer complaint received 2021-11-02
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: EQUIFAX, INC. (FL)

I have a list of inquiries reporting to my Equifax account that are false and doesnt belong to me. I have attached the list of inquiries that are stating to be opened on XX/XX/XXXX & XX/XX/XXXX of 2021.
Consumer complaint received 2021-11-02
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

I opened my checking account at US Bank, but the initial opening deposit of {$25.00} was unsuccessful. Before account was frozen, I also deposited {$25000.00} into the account. However, US bank froze my account, so I was no longer able to access my money in the account, transfer money out or close the account. 

US bank simply took away my $ XXXX and walked away. I've spent almost 20 hours trying to going to different bank branches in person, talking with bankers and branch managers, emailing and calling customer services, but nobody really helped. Everyone just said they were not able to do anything, please reach out to someone else. 
I was even told that my account was in the automatic process of being closed, account would be completely closed on XX/XX/XXXX with the $ XXXX balance mailed to me by check. However, nothing happened and the account is still Open and Frozen. 

It has been the worst worst worst bank experience I have ever had. None of the local branch, bankers, branch managers, customer services representatives helped me, the only thing they could do is to ask me to reach out to someone else. Now my money of $ XXXX is frozen in the account, and nobody is able to close my account and get my money back. 
US Bank is cheating customers by lying to customers that account was already being closed, also cheating customers by forfeiting customers ' funds which are in urgent need to use. 

I need this money in the account super urgently because I need it in hour purchase. If US Bank is delaying my house purchase in the hot market, please compensate for all my loss. 

WORST bank ever!!!!
Consumer complaint received 2019-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (IL)

Apparently, someone was able to open an account on paypal. They were able to load my account information and with the account being unverified they were able to take money out of the account. I find it criminal that paypal 1 ) allows an account to be unverified and take money out and 2 ) doesn't cross reference the fact that the bank account is connected to another bank. This clearly encourages people to commit fraud because of how easy it is. You simply need a check to complete the process. Finally, paypal makes you deal with the bank in order to get reimbursed and offers to help. This system is setup for abuse.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done SYNCB/LOW can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If SYNCB/LOW reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NV)

XX/XX/2018 payment was made to chase mortgage at a branch for the month of XXXX then days later exactly XX/XX/18 account was transferred to new bank XXXX XXXX which payment was made to them XXXX XXXX for that month, so on my credit report chase is posting a 30 days late payment for XXXX when they didnt have the account as of XX/XX/2018 and my XXXX payment was made already to new bank i just need that 30 days late payment for XX/XX/2018 removed and i spoke with them two times and disputed with credit bureaus twice as well and none would help me.
Consumer complaint received 2022-08-13
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. (PA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account 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 2022-03-16
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: DISCOVER BANK (GA)

A fraudulent automobile dealer, ( XXXX XXXX in XXXX Ga ) charged my credit card despite not completing repairs properly. They held my car hostage and refused to return it unless I paid their ransom. I reported this fraud to Discover and they " Claimed to open an Investigation ''. However, they became a party to the fraud when they simply accepted some reciepts from XXXX XXXX with no explanation of the charges as justification of the charges. I expect XXXX XXXX AND Discover to make things right and return the XXXX to my account.
Consumer complaint received 2022-09-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency.

They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This has cause me great XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-13
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. (OH)

XXXX XXXX XXXX is now reporting my mortgage payment deliquent 30 days and trying to ruin my credit. We have never been 30 days late. The mortgage for XXXX and XXXX was paid totaling in amount of {$4500.00} on XX/XX/22 by XXXX XXXX XXXX  ohio hafs program. XXXX knows I was approved for XXXX assistance through the XXXX XXXX XXXX XXXX  Ohio program. The money was sent to pay my mortgage in a timely manner but XXXX XXXX has not even added the money to my account. Now they are putting deliquent on my husband and my credit report. I never get anywhere talking to XXXX. No one knows what's going on and they do nothing to help their clients.
Consumer complaint received 2022-03-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. ()

I was sent a transfer from the XXXX to XXXX on XX/XX/2022. 
Sender : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Beneficiary : XXXX XXXX XXXX XXXX 's bank XXXX " XXXX Bank XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX CHASE XXXX TRACKING NUMBER XXXX Amount {$900.00}. 

The recipient 's bank was told to look for a transfer of funds from you because they did not enter their account. Tell me when they will do it and if they will do it at all? Thanks My e-mail : XXXX XXXX