davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I am writing to file a formal complaint against Chase Bank regarding an incident that occurred on XX/XX/XXXX, which resulted in unauthorized charges that caused my account to overdraft. Despite my efforts to resolve the matter directly with Chase Bank, I believe that my concerns have not been adequately addressed, and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to resolve this issue. 
On XX/XX/XXXX, I noticed several unauthorized charges on my Chase Bank account. These charges were made without my consent or knowledge, and they resulted in my account being overdrawn. 

Immediately upon discovering these unauthorized charges, I contacted Chase Bank 's customer service department to report the issue and dispute the charges. I provided all the necessary information and documentation to support my claim that these charges done on XX/XX/XXXX were unauthorized. 

When i filed my dispute I was assured by a customer service representative that an investigation would be conducted and a temporary credit will be posted to my account while they conduct the investigation. but that did NOT happen, i never received a temporary credit while dispute i filed was being investigated. 

I have not been able to use my account or have access to my money that was taken since this incident because they would not provide a credit like they said they would. 

Despite the assurance of an investigation, I have not received any resolutions from Chase Bank regarding the unauthorized charges. 
The charges made on XX/XX/XXXX Were unauthorized. 
I been trying to get this account resolved for over a month. 
Furthermore, I continue to incur overdraft fees and other financial hardships as a result of this incident. 
I should not be held accountable for charges i did NOT make. 

I believe that Chase Bank 's handling of this matter is in violation of my consumer rights and the regulations set forth by the CFPB. I have made every effort to resolve this issue through direct communication with the bank, but their lack of responsiveness and inaction has left me with no choice but to escalate this complaint to the CFPB for assistance and intervention. 
I kindly request the CFPB to investigate this matter thoroughly and take appropriate actions to resolve the unauthorized charges on my account. I am seeking a full refund of the unauthorized charges, as well as the reimbursement of any associated fees or penalties incurred due to this incident.
Consumer complaint received 2019-01-14
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Law Offices of Quinn M. Kofford, P.C. (UT)

At least 3 times a week, a collector will come to our house and pound on the door in the middle of the day. The only people home at the time are my kids ( all minors ) age XXXX, XXXX and XXXX. The first time my XXXX year old opened the door the man harassed him with personal questions about me, along with information about himself. Keep in mind he is XXXX and had no idea what was going on!!! My kids are not allowed to open the door when we are not home but the man continues to come back and look in the windows when my kids are home alone. He will park his car on the side of our property ( in which he is not allowed ) so he is able to " sneak '' up to our front door. I'm tired of this guy scaring my kids. They are minors and should not have to be harassed like this!!! How can I get him to stop? 
XXXX, Utah
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Since XX/XX/XXXX, both XXXX and XXXX have been reflecting updated and accurate information on my credit report for my XXXX XXXX  credit card. TransUnion has not been reporting updated and accurate information. TransUnion is still reporting the last payment date as XX/XX/XXXX, when in fact it was actually XX/XX/XXXX. TransUnion is still also reporting an inaccurate balance. The balance as of XXXX was {$0.00}. A payment of {$230.00} was made on XX/XX/XXXX. Both XXXX and XXXX have updated the information and are showing accurate information. TransUnion still has not updated information on their side. I have filed 3 separate disputes with TransUnion, with no luck. TransUnion is still reporting a balance of {$230.00} and last payment date of XX/XX/XXXX. When I call TransUnion to get help, they tell me to call XXXX XXXX. When I call XXXX XXXX  for help, they tell me to call TransUnion. The back and forth is frustrating and I have had enough. So here I am filing a complaint with CFPB, hoping that I can get the help that I need. 

This needs to be reflected accurately on my TU credit report. XXXX and XXXX are reporting accurately. Not sure why TransUnion is not or can't. If filing this complaint does not get my information updated and reported accurately, I will move forward with filing a lawsuit with AG XXXX XXXX in Georgia.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In an infuriating ordeal, I uncovered the theft of my identity, a violation that left me seething with anger. In response, I diligently filed an FTC identity theft report and painstakingly compiled a detailed police report, expecting decisive action from the credit bureaus. Yet, their astonishing indifference knows no bounds. They not only callously brushed aside my FTC report but also callously disregarded the comprehensive police report I provided, as if my ordeal were nothing more than an inconvenience. To add insult to injury, they couldn't even be bothered to acknowledge my arbitration attempts, sent via priority mail, leaving me incensed. This infuriating ordeal underscores a dire need for an overhaul within the credit reporting industry, demanding rigorous regulations and unwavering accountability to protect consumers like me from the soul-crushing consequences of identity theft. Until these abhorrent issues are remedied, countless victims will continue to suffer while the institutions purportedly safeguarding them demonstrate a shocking apathy towards their plight. 

i am seeking {$2000.00} per violation since it has been XXXX days I have been contacting and submitting the correct information to each credit bureau . ALL 3 Bureaus are in negligent violation of idenity theft standards and regulations according to the FCRA
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (AL)

15 U.S.C 1681 section 602A.States I have 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 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I noticed a fraudulent charge on my credit card from XXXX XXXX XXXX XXXX XXXX for {$5000.00} on XX/XX/XXXX. I immediately contacted Bank of America to report this fraud and cancelled the credit card to ensure there was no more fraudulent charges. I also contacted the XXXX XXXX Sheriff Department and filed a report. 

Bank of America denied this claim for {$5000.00} and then tried to charge me interest for the amount. I reopened the claim again and they denied it without any explanation, I asked for all the documentation to show why they denied it. They responded and said I am not allowed to see the information as it is internal only. 

At this point I asked for a supervisor and had to provide all the information again to them. They reopened the case in XXXX and I haven't got a update since. 

Now being XX/XX/XXXX ( almost 8 months after the fraud ) I called Bank of America for an update : XXXX : Called the same number I have been calling and spoke with a representative. They notified me that I had the wrong department and transferred me. Once getting on the phone with that department they transferred me again. Now talking to the 3rd person they hung up on me. 

XXXX : Called the " new number '' I was provided for the fraud department after 2 minutes of explaining that I needed information on the claim they hunt up on me. 

XXXX : Called the number again and spoke to 4 different people in 4 different departments. After over an hour of trying to get information they hung up on me again without providing any information. 

XXXX : Called the number again and immediately asked for a supervisor. After explaining what was going on he hung up on me without providing any information. 

XXXX : Called the number again and the representative told me I had the wrong department ( been the same phone number everytime I called. Transferred to a different department and immediately asked for a supervisor. I was on hold for 33 minutes and they advised me they couldn't connect me to a supervisor and hung up on me. 

I am at a complete loss and not sure what to do at this point.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 of 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-31
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. (IN)

XXXX AND EXPERIAN ARE REFUSING TO REMOVE 2 ACCOUNTS, THE TOTAL TIME FROM DISPUTES EXCEEDED 138DAYS FOR XXXX XXXX XXXX XXXX ACCOUNT FOR {$290.00} AND XXXX XXXX XXXX FOR {$310.00}.
Consumer complaint received 2023-09-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

XXXX PHEAA defaulted my HEAL loans, even though Id been making the required payments based on my income. They told me Id missed payments for ninety days. When I checked, I saw that they were right, but I hadnt received any bills from them, so I asked them about that, and they shouted at me that I was responsible for making payments, regardless of whether they billed me, or not. They sent me to XXXX, the gauranteer of the loan, who paid them off, and then collected from me, based on what I could afford. After two years, they told me my payments werent even making the interest accumulating. I sent them all the required paperwork about my finances, certified, return receipt. They ignored me, and told me that since I had refused to cooperate, they were sending me to DOJ for enforced collection. I told them I had a return receipt that they had received the required paperwork, and the woman shouted at me. Can you afford {$2000.00} per month?!. No. Then youre going for enforced collection!, she shouted. Fine, I said, but I want the letter amended to show that I did cooperate. She agreed, and never sent the letter. XXXX. Can I have these loans considered for forgiveness under Bidens One Time Adjustment? I wrote to DOJ but havent heard back yet. PHEAA was accused of intentionally defaulting students loans in this manner to collect the full fee without having to service the loans. There were class action law suits brought against them for this.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the ongoing issues with my open accounts at XXXX and Transunion Credit Bureaus. Despite my repeated attempts to rectify the situation, the problem remains unresolved, causing considerable inconvenience and dissatisfaction on my part. I have been a loyal and responsible customer since then. I have always strived to make timely payments and maintain a positive financial relationship with your company. However, over the past several months, I have encountered repeated problems with my account, primarily related to late billings and inaccuracies in my billing statements. I first noticed the issue with late billings on last month, when my account statement for the month of XXXX was not received until now, well past the due date. This delay has had a direct impact on my financial planning and credit score, as I have been marked as late on my payments through no fault of my own. Despite my efforts to address this issue, which include multiple phone calls to your customer service department and written correspondence, the problem has not been resolved. Instead, I have received only automated responses and generic promises that the matter would be investigated and corrected promptly. However, no concrete action has been taken, and my account continues to suffer from late billings and subsequent late fees. I am deeply disappointed by the lack of attention and urgency given to my account 's situation, and the failure of your company to rectify this issue promptly. As a result, I have decided to formalize my complaint and seek a resolution in a more organized and formal manner. I kindly request that you take immediate action to rectify the late billings and related inaccuracies in my account statements. Furthermore, I would appreciate a detailed explanation of the cause of these issues and a clear plan for preventing such problems in the future. If these matters are not addressed promptly and satisfactorily, I may be left with no choice but to consider legal action or reporting this matter to the appropriate regulatory authorities. I hope it does not come to that, and we can find a mutually agreeable solution to resolve this issue. Please acknowledge receipt of this complaint within 10 business days and provide a timeline for when I can expect to see improvements in my account. I am asking for your help to correct these late open accounts in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NC)

1. Please provide all applicable regulatory and licensing requirements to operate as a collection agency in North Carolina.

2. You have a duty to impartial, fair, and reasonable in your efforts to verify information. Please provide all evidence of " reasonable procedures '' that you used to determine the conclusion that this information is verified.

- Who did you speak to?

-When did you talk to them?

-Name of the person -Telephone number dialed -Emails Sent with email address 3. Please provide information on your company permit number. You are required by North Carolina General Statute 58 Article 70-25 to have presented on all letters sent to debtors your permit number.

4. Please show in the previous correspondence you included in your reply that you have included your permit information as a state requirement.

5. Send agreement between you and XXXX company to collect on this debt.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

On XX/XX/2022 Chime Made an adjustment in the amount of {$2200.00} leaving me with a negative balance. I was stranded in Florida during Hurricane Ian. They said it was XXXX XXXX. that required the funds. Chime claimed they received an LOI Letter Of Intent. They told me there was nothing they could do and I needed to contact XXXX XXXX. I did. I even made a complaint against them here a year ago. However, XXXX XXXX  told my bankruptcy attorney and myself they did not give an LOI. They did not request such funds. I revisited Chime with this news. Chime did not comply. 

I requested Chime provide me with the letter of intent. They then advised me they could not find it. It has been almost a year. I call Chime daily and I email them daily. They say it has to be escalated to the internal team via back office email and they repeat this over and over again, each time I call leaving me with no answers and or solutions.. 

I am appalled at the level of service I have received. I have gotten nowhere. I have provided Chime via email proof of the letter from XXXX XXXX. They provided me with here. Along with a copy of the email from us bank with my bankruptcy attorney in the email threads, as well as a copy of my discharge papers. However. Chime still refuses to fix the adjustment and keeps sending me back to XXXX XXXX. 

I had enough.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Back in XXXX of this year, Bank of America began charging me fees of {$25.00} a month for my " advantage with tiered interest checking '' account. I have had this account since XXXX and never paid fees, it existed prior to their preferred rewards program. When I called to resolve this issue, the representative said she would be able to reverse the fees. I immediately saw a {$50.00} credit, but she said she had made an error on the third fee, but had resubmitted it and I should see it process in 2-3 business days. 


Their explanation for the appearance of the fees was that my average daily balance had dipped below the $ XXXX required for the preferred rewards program and without that, I no longer qualified for waiving the maintenance fee. 


I questioned why my account would have a maintenance fee for falling below $ XXXX when the terms for an " advantage with tiered interest checking '' it states : " {$5000.00} or more average daily balance in checking or linked Regular Savings '' This particular checking account does not often have $ XXXX in it, but I have several other accounts at BofA and combined, they are always well above that threshold. 


I made a followup call inquiring about the remaining {$25.00} that was not refunded and eventually spoke to a supervisor who assured me they would review the phone transcript and refund the {$25.00} if the representative had indeed promised I would get the refund, this was XX/XX/XXXX. 


Today, I was checking to see if there was any change in the account and see that the account was changed from " advantage tiered checking '' to " advantage relationship banking ''. This was not a change that was discussed with me and I did not authorize it. This is an account type that is no longer available and I am upset that it was changed without my consent because the required daily balance to avoid fees for " relationship banking '' is double ( $ XXXX ) that required for " advantage tiered checking '' ( $ XXXX ). 


In addition, they are telling me that they " reviewed '' the case and will not be refunding the {$25.00} fee from XXXX, despite the supervisor on XXXX and the rep on XX/XX/XXXX telling me they would refund it. The supervisor also told me that in his system, my account has been advantage relationship banking as far back as XXXX, which is completely false. I downloaded my three most recent statements that show " advantage tiered checking '' as account type. 


link to their fees page : https : //www.bankofamerica.com/deposits/account-fees/ I uploaded screenshots showing the change in my account type compared to what appeared on my statements.