davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
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. (FL)

I filed a claim ( XXXX ) on XX/XX/2021 with Chase Card Benefits services under purchase protection for an amount of {$7300.00}. After filing the claim, I received an email that I would get a status of the claim back in 5 business days. I waited for 5 business days and contacted XXXX XXXX XXXX ( via phone ) around XX/XX/2021 and was asked to wait for another XXXX days. 
After a lot of back and forth, on XX/XX/2021 I received an email that my claim has been moved to adjudication and I should wait for another 5 days. Then on XX/XX/2021, I got an email that my claim is approved for {$1000.00}. I called customer care, immediately, asking for the clarification as to why my claim was approved only for {$1000.00} while I filed it for {$7300.00} and I was given a reason a WRONG reason ( that my benefit limit is {$10000.00} per year buy, it is {$50000.00} per year ). I then requested for a call back from the claim XXXX to understand the right reason behind {$1000.00} claim approval and I was asked to wait for 1-2 days. 
I never got a call back and I called customer care again and I was then given another reason behind the {$1000.00} claim approval. I again asked for a call back from claim XXXX and was again asked to wait 1-2 days. By XX/XX/2021, I called customer care multiple times and requested for a call back from claim XXXX but that never happened. 
Here are a few reasons that I have got, so far, from the Chase your team for my {$1000.00} claim approval as against {$7300.00}. 
XXXX. My card has an annual {$10000.00} limit and I have exhausted the limit XXXX. We only pay the deductible of your home owners insurance and that is {$1000.00} 3. This kind of loss is only covered up to {$1000.00} And all of this is WRONG, as per my benefits guide that I had received along with my card. I had already filed a claim with my home owners insurance and they provided a settlement letter explaining that my home owners policy only covers {$1000.00} for this loss. 
I have requested, several times, that I would like to talk to the claim XXXX, but I never got a call back. 
I finally connected with a supervisor ( XXXX XXXX and he agreed that there is something wrong with my claims decision. He mentioned that he is going to reach out to the leadership team and come back to me the same day ( XX/XX/2021 ) or, XXXX, the next day BUT I never got any call back. 
I am now stuck here, trying to get an explanation on why my claim was only approved for {$1000.00} and not the full claim amount, and sending this complaint to see if I will get the CORRECT explanation behind the {$1000.00} reimbursement from Chase card benefits while my claim was for {$7300.00}
Consumer complaint received 2023-04-02
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. (NC)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2022-07-29
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. (OH)

Your company ( Equifax ) has recently closed my complaint providing information i did not ask for. The LAW STATES I HAVE A RIGHT TO PRIVACY AND I HAVE TO GIVE YOU WRITTTEN INSTRUSTIONS TO FURNISH ANYTHING ON MY CONSUMER REPORT. I WOULD LIKE YOUR COMPANY TO PROVIDE PROOF OF ME GIVEN YOU WRITTEN INSTRUCTION TO FURNISH ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT. n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. As it state in ... .. 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. Provide PROOF THAT I GAVE YOUR COMPANY WRITTEN INSTRUCTION TO FURNISH ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT IF YOU CAN NOT PROVIDE PROOF THESE ACCOUNTS MUST BE DELETED IMMEDIATLY. IF YOU CONTIUE TO REPORT THESE ACCOUNTS I WILL HIRE AN ATTTORNEY AND TAKE LEGAL ACTION AGAINST YOUR COMPANY FOR WILLFUL NON -COMPLIANCE, NEGLIGENCE AND WILL BE SEEKING {$1000.00} PER VIOLATION. noncompliance 15 USC 1681n ( A ) ( 1 ) ( a ) ( B ) en Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; consumer as a result of the failure or {$1000.00}, whichever is greater ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose
Consumer complaint received 2022-07-15
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2020-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Manhattan Beach Venture, LLC (FL)

XX/XX/XXXX XXXX XXXX has refused to furnish the documents I need the loan servicer to provide me with the signatures that are proving to me that I signed each loan. I don't want a photo copy of any other document other than the actual signatures signed by me for each loan amount for each check they cashed by the school. I want to see now the proof that I signed for each amount and I want proof that I was advised these amounts were being used for the school. I want a full ledger of the account and a copy all disbursements that were physically cashed by me. I want all the records this sent to my current address. from all dates that I was ever enrolled with XX/XX/XXXX XXXX XXXX. I want these records and if all these records can not be provided I demand relief and removal from my credit report, reporting to the credit bureaus must cease. And if University
Consumer complaint received 2020-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (FL)

I bank at two national banks, XXXX XXXX XXXX and TD Bank. On XXXX XXXX, 2020 I initiated a funds transfer from my XX/XX/XXXX checking account to my TD savings account using the Bill Pay platform from XXXX. The amount I tried to transfer was {$200.00}. As of today XXXX XXXX XXXX, XX/XX/XXXX ), the funds have not been deposited into my savings account and TD has no record of this transaction. Although previous transfers using the Bill Pay apparatus has been successful, both banks deny responsibility for the disappearance of these funds. I have attached three proofs of payment from XXXX and two confirmations of deposits form my TD savings account. After hours of being placed on hold only to either be disconnected or shuffled among countless departments no one had answers. Finally, XXXX 's Online Bill Pay Claims Rep told me it may very well mean that the funds won't be recovered and I will lose the {$200.00}. They have done all they are going to do at this time. 
I find this unacceptable and fraudulent.
Consumer complaint received 2021-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

Problem is with Wells Fargo. 

My identity was stolen and four ATM withdrawls were made ( all withdrawls were made on Saturday, XX/XX/2021 in the following amounts {$200.00}, {$800.00}, {$700.00} and {$300.00} from two seperate locations ) Once I saw these transaction pending I called Wells Fargo and explanined these transactions were not made by me. The accounts affected were frozen immediately on Sun. XX/XX/2021. I called the next day to have both checking accounts closed, spoke with the Fraud Department to file a claim. 

By XX/XX/2021, Wells Fargo sent me two letters. My checking account that was pending an online transfer to my other checking account was resolved. Wells Fargo approved my claim for an fradualent onlinetransfer and I was not liable for that transaction and returned my funds to the appropriate new checking account set up.

Second letter denied my claim in regards to the four transaction of ATM withdrawals that took place was denied. It was indicated in the letter " Based on the information available to us, and because the transaction were made using your card and Personal Identification Number ( PIN ), we found it was made by you or someone who had your permission ''. 

First, my ATM Card never left me the entire time. Second as I explained in my initial claim, I was never in the area where the ATM Withdrawals happened. No one from Wells Fargo Claims Deparment contacted me in regards to thses claims. On Mon. XX/XX/2021 I spoke with someone in the claims department to see if they can open my claim. It was escalated to the Executive Team to reopen my claim. At this time I made two more calls to speak with the Claim Case Worker " XXXX '' and each time I was told he was not available to speak with me and a decidsion would be made in 10 business days. I requested XXXX to call me to discuss my claim to clarify that my ATM Card never left my possission, nor I approved any ATM Withdrawals. " XXXX '' finally call me back to indicate that the claim was closed yet again and either I made the withdrawals or someone else did. Again I explained the withdrawals were not made by me, my card never left my possession. Then I told him that someone must have duplicated my card, he stated that was impossible. So I asked him, how were these withdrawals made? In my 23 years with Wells Fargo, I never made any ATM withdrawls in those amounts and why were these not flagged as a security breach? Why should my ATM Fruad be treated any differently than my Online Fraud, which the Online Claims Department approved my claim and indicated as Fruad. At this point " XXXX '' indicated he could do no more and the case was closed.
Consumer complaint received 2022-09-18
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)

In accordance with the XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 2022-09-18
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 convergent Account 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 has violated my rights. 

15 U.S.C Section 1681 section 2 A states I have the right to privacy 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (MA)

Due to an account takeover attempt at another bank, my bank accounts were all closed and I was issued new bank account numbers. 

Changing the account number for TD to ach my monthly mortgage payment has been time consuming and full of mistakes. I repeatedly asked for a supervisor to email me and never got one. 

I need XXXXt to : XXXX. Waive their three ach payments returned and your kicked off ach rule. 
XXXX. Correct the amount of the ACH withdraw to match the required loan payment, adjusted accordingly for changes in escrow. 

TD either incorrectly setup the monthly payment via ach, or provided the wrong form when I requested to change the account. The required payment and an extra principal payment is being removed. 

Third, it should not require a paper form and a check in this day and age to change an account number. 

Fourth, I should not have to wait on hold for an hour each time to pay them. Their website was not able to take a one off payment. 

XXXX, it should not take weeks to process an account number change. This made it so that I had to sit on hold and extra hour because they had not updated my account in time. 

It took 4 hours of my time to change the account number and pay td bank in the interim while they changed the account number. That's just crazy when you multiply that times the number of customers. This should be processed online.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (TX)

On XX/XX/2020 I applied for a loan with TD Auto Finance to purchase a used XXXX, I was approved for the loan which should have been the end of it there. But then on XX/XX/2020 another hard pull was added to my credit report. I proceeded to email the loan officer on XX/XX/2020, about the second hard pull and that I wanted it removed. I never received any response back from the loan officer I had contacted.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NC)

3 unauthorized transactions were done on my chime debit card account XXXX for {$9.00} on XX/XX/2022 XXXX XXXX  for {$51.00} on XX/XX/2022 and XXXX for {$41.00} on XX/XX/2022 I notified chime of the issue of XXXX the XXXX and had a new card issued but had to wait til XX/XX/XXXX for transactions to post so I could dispute transactions which I didnt think it would be any type of of issue because Ive never disputed any transactions with chime and never had any type of issues such as this so I sent off my dispute at around XXXX XXXX hours later my dispute was denied which obviously shocked and confused me so I contacted them directly about it and was told they didnt see a error in there system so it was denied then was told it would be escalated so I waited 5 days and hadnt received any type of communication contacted them and was told that there was no escalation made and I had 2 options which was either accept the fact someone stole my money and move on or send in extra info to possibly get case reopened and investigated ( properly ) then possibly receiving a refund in up to 90days this is absolutely asinine to me and Ive never went thru a issue like this with not only this bank but any bank Ive had a account with
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (PA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information on 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 Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-08-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

Received letter from LVNV/Resurgent stating in XXXX of XX/XX/2021. I responded and asked for validation and they sent a letter stating they were not going to investigate and I sent another letter in XXXX of XX/XX/2021informing them that their response was a violation of my consumer rights and that they didn't send the information that I requested and I haven't heard from them since then. I asked them to remove the alleged collection from my credit report while they validated the alleged debt but they didn't. I am including a copy of the letter I sent on XX/XX/2021 XX/XX/2021
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (IN)

I received a card in the mail from US Bank ReliaCard. I did not request this card and have not been unemployed. I am a retired senior citizen. This is clearly identity theft and fraud. I tried to call US Bank to shut the card down. Their phone tree does not offer any options for this situation. There are many articles on the internet about this scam. There appears to be no way to shut this fraudulent card down. I need help to get to the right department to stop this fraud.
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NJ)

Flagstar mortgage requested a {$150.00} payment to remove my PMI. The check was cashed in XX/XX/2022. Flagstar says Fannie Mae tried to inspect my home but was " denied entry '' so they canceled my request without telling me. Fannie Mae never scheduled an inspection appointment via email or phone call, and never came to my house. I have called and emailed Flagstar three times since XXXX, and still am paying PMI with no inspection scheduled. They never refunded my {$150.00} for the inspection.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (VA)

Previously held a CareCredit account, but the account was closed due to inactivity. Applied for a new CareCredit account, as a dental procedure was scheduled within 4 days. After applying was instructed to contact via telephone. Contacted via phone and was advised to visit XXXX to verify my identity via biometrics. At no point was I informed that the application was denied or might've been denied prior to conducting the identity verification. At the time was uncomfortable providing biometric information, but proceeded with the process after speaking with someone who informed me of the length of time it would take to complete the process via mail. Upon completion of the on-line identity verification process, was informed that I would receive a letter in the mail in 7-10 business days. No further information was provided. Given that I had just uploaded photo documentation including my driver 's license and license bar code, I was dissatisfied with the response provided online. Only after I called back, was I informed that my application was denied. No further information was provided related to the adverse action. My complaint centers around the fact that, given the company already pulled my credit report and obtained information related to my application, said company should have had sufficient information to make the denial decision prior to the requirement to complete the identification process. Given that I am not aware of the reason for the decline, I am not filing this complaint because my application was declined, but because of the cumbersomeness of the process for the identification and the vagueness related to how the company uses the biometric information provided to them. Had I been an older individual or possibly an individual with XXXX, how would the company have accommodated me if I had not had access to the verification website? Given the other verification method... waiting for documents to be mailed or obtaining the documents via email, then printing said documents, then having the documents notarized, I'm not sure how accessible the credit product is, especially given it was going to be used for a dental procedure, which typically isn't something that is planned in advance. Disclosure should be provided to an applicant that going through the verification process may still result in the denial of the credit application.