davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

Latest occurrence today XX/XX/2019 ; ongoing since on or about XX/XX/2019. I filed a complaint for excessive fees and for Chase Bank illegally applying NSF fees to scheduled in-house account transfers from one Chase account to another Chase account. I've had this account for 40 years. I've never had a problem with it until now. I originally had XXXX  XXXX, which was bought out by Chase a number of years ago. Since Chase merged with XXXX XXXX, Chase 's banking policies have changed drastically in their treatment of scheduled transfers from one Chase account to another Chase account which is under the same Social Security number. When funds were not available for the transfer the transfer would be cancelled and remain on schedule. A notice would be sent. No fee, no problem. Now they are paying the in-house transfer instead of cancelling it, so they can assess a NSF fee for each transfer. My husband died in XX/XX/2019 and since I brought his death notice to the branch Chase has been reeking havoc on all of my accounts, which now include the accounts of my adult children, whom I am either a trustee or a joint holder. Chase is  taking money out of every account with my name on it to cover thousands of dollars of NSF fees that should have never been assessed. To investigate my original complaint they gave me XXXX XXXX in the Chase executive office. Her number is XXXX, extension XXXX. She said she was handling investigating the case, but instead she gave authorization to Chase collections to take money from all of the accounts with me included as an account holder, including joint accounts with my adult children, who have been bankrupted by the collections processes underway. 

When I talked to XXXX XXXX she refused to pull up my account or to call the collections department to cease and desist collections on my children 's accounts. We have no money and XXXX XXXX is a complete fraud, she has no intention of doing anything to assist in this situation. All she did was thank me for calling, refusing to take any action whatsoever and provided no advice on who else to call in regards to the matter, leaving me and the bankrupting of my accounts in limbo. 

XXXX XXXX is the branch VP I recently contacted for help who did not respond.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

Chase has locked me out of online access to my card information. I am given no explanation for this. I called customer service and was transferred around from agents XXXX to XXXX to XXXX none of whom could/would solve the problem. XXXX told me she had to ask me a question to authenticate me but didn't have any questions to ask me, so that I had to hang up and call again. 
Another instance of laughable behavior by a bank and its customer service. 
Of couse, customer service did not, has not, and has taken no steps to try to solve the issus of their creation.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act 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 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NM)

I arranged payment in full on my Chase XXXX card for payment on XX/XX/2019. They charged me interest of {$43.00} on XX/XX/2019 and didn't post my payment till XX/XX/2019. I called customer service And the c/s rep refused to remove the interest charge. I sent email messages to Chase three times, and again was told they would mot remove the interest fee. 
They just said this is their policy. I feel this is not Customer Service.
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TekCollect Inc. (CA)

In XX/XX/2018, Tek-Collect , Inc. ( on behalf of XXXX XXXX ) reported a negative collections account on my credit reports. I paid this balance in full months before in XX/XX/2018 before it was sent to the collection agency. I tried working with the XXXX XXXX several times on this matter - at one point they confirmed that the amount was paid in full and that they would contact the collections agency to confirm that the account should be closed. I even tried calling Tek-Collect, Inc. and left several messages but never received a response. Eleven months later, I am still dealing with this as it continues to show up in my credit history. I would like this removed entirely from my credit reports and want confirmation from XXXX XXXX and Tek-Collect, Inc. that this matter is settled in full.
Consumer complaint received 2021-08-12
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. (GA)

I recently checked my credit report and Experian is reporting an incorrect address on my report that does not belong to me. The following address does not belong to me and needs to be removed immediately XXXX XXXX  XXXX XXXX XXXX GA, XXXX
Consumer complaint received 2020-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

In XXXX, 2020, I requested that my mortgage payment to Chase be suspended due to COVID-19. Subsequently, I requested that it be suspended for a total of six months of no payments. Chase had stated on its website that I would be able to resume payments with a choice of either paying the full amount of the forbearance or placing the forbearance at the end of my loan. 

Towards the end of XXXX, I logged onto my account via the Chase website and tried to state that I could resume payments and that I wanted the forbearance amout to be placed at the end of my loan. The website had some sort of " glitch '' and would not allow me to do this. I then called their automated number and made the request. I never received a written response. On XX/XX/XXXX I logged in again and noticed that Chase had an old XXXX XXXX for my contact information. I wrote a letter and sent it via XXXX XXXX to both the payment center in XXXX, Kentucky and to Customer Service in XXXX, Louisiana. I included my payment which was applied to my account on XX/XX/XXXX. 

My address was updated and I received a confirmation letter dated XX/XX/2020. I never recieved any other correspondence. Therefore, I wrote another letter on XX/XX/XXXX and sent it to the same addresses, via certified mail. I included my original letter and again, requested that my payments resume and that all forbearance payments be placed at the end of the loan. 

Approximately one week ago, I logged into their website and the " glitch '' was fixed, so I was able to state that I could resume payments and that I wanted my forbearance amount be placed at the end of the loan. 

Today, I logged into their website and there was a letter dated XX/XX/2020, for a " Trial Payment Plan ''. This letter was NOT there a week ago. Also, this letter is addressed to my XXXX XXXX , even though they claim to have updated my address. The letter states that I am now in a trial period to modify my loan. It has lowered my payment amount ( which is NOT what I want ) and it states that I must make the payments by the XXXX of the month for the next three months or I will no longer be eligible. It also states that my credit could be affected. 

I do not want any of this. I simply want to make my payment, as usual, and have the outstanding amounts be placed at the end, just like they promised.

I am now sending my payment via overnight delivery and sending a certified letter to Six Chase addresses, since they use so many different addresses.
Consumer complaint received 2020-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT BUREAU OF NEW ULM, INC. (OH)

XX/XX/XXXX I went to the emergency room I have insurance that paid the bill my insurance is XXXX XXXX id # XXXX XXXX XXXX XX/XX/XXXX thats all the info youll need to show you Im not lying about my insurance and the debt is still on my credit. I was informed by my insurance company to let yall know directly again so I am. Thank you and have a blessed day.
Consumer complaint received 2022-07-04
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2021-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (OK)

On or about XXXX XX/XX/XXXX I logged into my Navy Federal XXXX XXXX Checking account and I noticed 12 fraudulent charges totaling {$450.00} dating back to XXXX XX/XX/XXXX. I submitted a fraud claim and it was handled by NFCU within days. I failed to notice that there was a time gap that fraudulent activity temporarily paused between the dates of XXXX XX/XX/XXXX thru XXXX XX/XX/XXXX, resulting in me believing that I had accounted for of the fraud. The fraud had been continuing for some time. Prior to XXXX XX/XX/XXXX there was significant fraud that occurred. A total of 40 fraudulent charges totaling {$2400.00}. 

On or about XXXX XX/XX/XXXX I submitted a second fraud claim to cover the remainder of the money stolen from me ( {$1900.00} XXXX. A couple weeks later I was informed by a man named XXXX in NFCU fraud department that my claim was denied. After covering the fraudulent activity with him in detail, pointing out the purchases for a spoof card to duplicate my debit card. As well as the purchase locations were in California, where as I reside in Oklahoma. He said I could resubmit a claim for appeal. The next day I went to the NFCU branch in XXXX XXXX, OK and filed an appeal to the denial. NFCU continues to deny any responsibility for the money stolen and will not refund my money. Today, XX/XX/XXXX, I learned that my appeal was denied and I was told I could submit another appeal. 

The majority of the money stolen was through a company called XXXX XXXX XXXX '. It operates as a ride share service on the west coast. There were a total of 18 transactions spanning a time period from XXXX XX/XX/XXXX - XXXX XX/XX/XXXX totaling an amount of {$1800.00}. Some transactions were for large amounts and were repeated on the same day. I would think that repeated transactions that happened over 1600 miles away from where I live would trigger some sort of automated response. 

The charges are clearly fraudulent. They do not match my spending habits nor do they happen in my geographical area. There is even a purchase for a spoof card to duplicate my debit card. NFCU claims that they need " more evidence. '' I don't understand what evidence is needed when they see the transactions for activity to purchase a spoof debit card and then have multiple transactions from a state I do not reside in. It does not make me feel safe to have money and assets in a bank that is so easily broken into and stolen from.
Consumer complaint received 2022-10-19
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I needed to dispute a credit card transaction for services not ad described and/or services not delivered. The original transaction date was on XX/XX/XXXX in the amount of {$6000.00}. The date which I learned the services were not as described and/or not delivered was on XX/XX/XXXX. I contacted my financial institution USAA to dispute the transaction and was told they generally can not dispute transactions beyond 60 days but would do so if I submitted my request in writing. I submitted my dispute request in writing as instructed, and was informed that they would not proceed further due to the transaction elapsing 60 days, which contradicts entirely how they advised me initially. I asked for clarification into why this was the response given and was furnished no credible information. Doing my own research, I discovered via VISA ( credit card ) guidelines that the time limit is 540 days. Per VISA literature : The issuer can pursue a dispute as the original services were not rendered using Dispute Condition 13.1 Merchandise/Services Not Received. The time frame would be 120 days from the expected services ( not to exceed 540 days from the transaction processing date ). USAA refuses to acknowledge the terms and services of VISA as the issuer, refuses to issue a dispute despite clear guidance.
Consumer complaint received 2020-11-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I borrowed {$27000.00} now I own {$110000.00} ( interest rate 8.250 % ) and another loan i borrowed XXXX and i own XXXX ( interest rate 4.75 % ). This has destroyed my life even with minimal payment my balance keeps going up and up. It is literary uncontrollable. They forced me to accept lower interest rate payment plans multiple times ( b/c i can not afford to make full payment ) and i was happy to accept because i was able to afford the low interest loan payments. However, with the lower interest payments, it actually increases my total loan. And this was not explained to me properly. It feels like i am getting rubbed. The interest rate on the loan is high and the payment is unaffordable so they give me a lower payment options but the total amount goes up. I am not even sure how this is legal. I went to school and coming from am immigrant family and low income i was not able to get a lower interest rate student loads so I was forced to accept higher interest rate student loan. This is not fair. The poor even if they work hard and graduate from medical school and have good income still have to be poor because it is systemic problem. If my parents were rich, we will have money to pay for school or get low interests rate loans, which means lower/affordable payment. But if you are poor you have no saving, low or no credit score and you get higher interest loans and your payment is higher/unaffordable. So i can not save money for my kids and i can not break the cycle and live the American dream.
Consumer complaint received 2022-07-08
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX ), # XXXX ( 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 an account without my written instruction
Consumer complaint received 2022-05-13
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Caliber Home Loans, Inc. (PA)

I CONSUMER entered into a consumer credit transaction with Caliber Home loans XXXX of XXXX. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction my finance charge is {$91000.00} but Im being charged {$230000.00}. The finance charge does not include cash, but Caliber Home loans took cash. I Refinanced my home XXXX of XXXX. When I refinanced my home and I finally did receive my new contract it stated a monthly payment of {$920.00}, when that's not how much I was supposed to be paying. So I the consumer sent in a Debt Validation Letter, Affidavit of Truth, and Cease and Desist. Caliber home loans received my paperwork but failed to fill out the requested information and return the paperwork to me. They instead just sent a letter stating they received my paperwork but that's it. Caliber Home loans is in violation of 15 USC 1692e ( 11 ) failed to disclose that this is an attempt to collect a debt. 15 USC 1692 the FDCPA never uses the term borrower but I been referred to as a borrower throughout my contract. Caliber home loans is in violation of 15 USC 1692e ( 2 ) my contract shows false representation of the amount, anything that is owed should be shown in the negative not positive, it looks as if I'm owed the money Exhibits XXXX, and XXXX. Caliber Home loans is in violation of 15 USC 1692b ( 5 ) using symbols on envelopes, that is effected by the mails exhibits XXXX. Caliber home loans is in violation of 15 USC 1692j for designing a contract that has false and misleading information used to create false belief in a consumer. Exhibits XXXX and XXXX will show mailed receipts and, the letter they sent stating they received my requested information, but never responded after that.
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (NY)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (AZ)

I started a complaint with the CFPB already about XXXX. The reference number for the original complaint is : XXXX I received another stall letter from XXXX today in the mail and it is attached to this message. XXXX is stalling and not investigating my complaints.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ny XXXX INACCURATE INFORMATION To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone - XXXX Inquires that need to be removed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX