davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

{$5700.00} of money my son sent to me, that we have proof/receipts of, were not credited to my checking account and Chase Bank says that there's nothing they can do about that. After I completed an analysis of my account on XXXX XXXX, XXXX for ( XXXX ), I discovered the following : 1 ) my account showed each transaction in/out until XX/XX/XXXX, 2 ) XX/XX/XXXX 1st missing direct payment 3 ) the end of XXXX XXXX a new pattern of 2-week delay was discovered, 4 ) XX/XX/XXXX shows another delay AND 5 ) Improper merging of transactions by Chase Bank, 6 ) XXXX XXXX shows another improper merger of funds from two different people, 7 ) XXXX XXXX {$1000.00} was never recorded coming out or going in and 8 ) the MAJORITY of discrepancies appear to have occurred around the last quarter of XXXX. 

XXXX XXXX I notified chase via secure mssg and on XXXX XXXX, XXXX, I received their reply which directed me to call the number on the back of my card ( which I'd already did ... NINE TIMES! Mon. XXXX XXXX, XXXX spoke to approx. XXXX representatives ; the first 3-4 were helpful ( XXXX, XXXX, and XXXX more ). Chase discovered ALL my transactions were NOT showing up on my desktop, they corrected that problem. Chase could see transactions that I could not until I downloaded my bank statements. Initially Chase could not see the specific missing monies, but gave me credit for a few in XX/XX/XXXX. 

I downloaded XXXX XXXX & XXXX XXXX & analyzed them to see if I could resolve the discrepancies, I could not. Chase told me to complete a listing all missing monies & call Retail Claims back at XXXX Option # 2 and report ALL missing moniesthis is when Chase changed their story After I completed the analysis of XXXX, I called back several times and reached the following five CSR 's XXXX XXXX, her supervisor XXXX, XXXX, XXXX and XXXX & her supervisor sent her an internal communication to tell me, Theres nothing Chase can do for me ''. All stated that because they can not see the missing money, they cant help meperiod the end. 

These all are payments from my son to me. XXXX XXXX has provided electronic receipts with dates, times, transaction numbers and amounts reflecting the money was sent to my Chase checking. I don't think Chase should refuse to look into this very serious matter because if I can provide proof that money belongs in my account and they decide to accept some and deny others, this bank, their policies and staff needs to be scrutinized/EXAMINED. Where is the voice of protection, support, advocacy for the small financial customer? I need the money that my son sent to me totaling {$5700.00} to be credited to my checking account. It's not right that Chase turn a blind-eye to this matter.
Consumer complaint received 2022-08-12
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. (NC)

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 2022-08-08
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: EQUIFAX, INC. (IN)

in Accordance with the fair credit reporting act XXXX Account # 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 writtensinstructions.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (MI)

Chime has been nothing but stressful since the day I started with them. Its so many different situations thats happened over the years I cant even keep count. Im completely fed up and my XXXX, and stress levels are so high. Never get any real answers even if I send proof. I cant take it anymore please help
Consumer complaint received 2022-08-08
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: Upgrade, Inc. (MI)

I am tired of XXXX  and UPGRADE reporting false information on my credit reports. I disputed these accounts with XXXX, XXXX, and XXXX, and the bureaus failed to update my report. I included these accounts in bankruptcy and they are still reporting a balance. Also, I have fraud inquiries on my reports the inquiries are as follows : XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021. I did not give these companies permission to run my credit. I don't know how they got my information.
Consumer complaint received 2022-08-08
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. (CA)

I paid for a new water heater with a check for {$4000.00}. The guy took to his truck and electronically deposited with his phone. Then he left check in truck. He says a few weeks later someone went in his unlocked truck and took tools and papers, including my check. Someone doctored the check and cashed at a jewelry store. Check went through and another $ XXXX was taken from my account. I immediately went to Chase Bank and file a report. They Contacted XXXX XXXX who cashed the check. This was back in XXXX. Very quickly XXXX admitted in was their issue and said I would get my money back but it would take up to ninety days. I called Chase two weeks ago and they said XXXX would have my money back soon. Ninety days passed two weeks ago and haven't heard anything more from either bank.
Consumer complaint received 2021-03-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo opened multiple accounts in my name using my social security number and a business line of credit using a tax id number without my permission or knowledge I have copies of multiple promissory notes with different dates with my signature forged in XX/XX/XXXX I have copies of bank statements with account numbers I did not open Loan applications forged with inaccurate information about me and or prior business I owned Unauthorized credit inquires in XX/XX/XXXX Multiple charge offs on my credit report Transfer of funds from existing account to unauthorized accounts and vice versa Request was sent to the irs in XX/XX/XXXX for a copy of my taxes Random bank fees and charges withdrawn from existing account without my knowledge or permission It appears there are multiple title insurance policy and claims Documents reflect a refinance of existing mortgage was done in XX/XX/XXXX without my knowledge or permission. 

XXXX XXXX XXXX XXXX XXXX Wachovia and Wells have conspired and have performed three unlawful foreclosures Wells fargo used a shell company called XXXX XXXX XXXX XXXX to perform an illegal eviction in XX/XX/XXXX which I believe was to get rid of all the fraudulent documents. I've been able to obtain copies of somethings from multiple parties to show thier scheme. 

I am currently being haressed my computers have been hacked multiple times and my current home broken into where flas drives and documents were stolen. 

This is just a snapshot of the ordeals Wells Fargo and it's affiliates have put me through. It has been detrimental to me financially and to my health to me socially it has turned my life upside down etc
Consumer complaint received 2022-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX Account # XXXX Bal : {$0.00}
Consumer complaint received 2022-08-08
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. (NC)

I have inquired on my credit that could have been avoid due to Equifax computer coding error my credit information has been compromised. I made several attempts by mailing letters to these companies and all three credit bureaus informing them that they were reporting inaccurate information on my credit report and to please remove the inquires. I have attached to send letters to Equifax, XXXX, and XXXX to resolve this matter.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (FL)

Continuously tried to setup min pymt due with their reps since XX/XX/XXXX, but kept getting billed for the full amt anyhow and the auto debit was screwing up my bank bal. I got frustrated with the back and forth calls to try and get this problem fixed and still not getting anything resolved. I don't feel that the late fees or interests incurred since XX/XX/XXXX should be my responsibility bcs of their negligence. But I was willing to pay the prev bal of {$170.00}, the annual fee of {$110.00} and the last purchase of {$19.00}, plus the fees that could not be waived, for a total of {$340.00}. But the last XXXX, XXXX # XXXX, said that I was only able to make this payment by phone or online on today 's date ( XX/XX/XXXX ) to satisfy my outstanding bal ; however, knowing how unsuccessful its been over call conversations, I asked for this suggested bal amt in writing but was unformed that it could not be done. Again, I'm willing to pay the suggested amount of {$340.00}. I'm just not trusting that Synchrony Bank would not bill me for the remaining charges later on ; thus adding on to the screw-up on my credit report that I've worked so hard to rebuild. Thank you
Consumer complaint received 2021-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MI)

I was a victim of a scam artist that obtained my personal information when i was applying for a personal loan back in XXXX of XXXX. The scammer got my banking information around the XXXX of XXXX such as my acct name and password, and reversed legit transactions i had been making for years, i.e. rent payments, phone bills, etc. For some reason Chase bank never questioned me or red flagged these disputes of made payments. After my seeing what was happening in my acct, i went to Chase and asked them what is a reversed transaction, therefore with the explanation i had to tell them that no these were in fact legit payments- and i dont want the reversed process to occur, since i did not even initiate the processing of it. Due to all of the reversed transactions that were pending, Chase decided to close my acct. I asked my banker if this meant no more checks or payments either going in or going out could occur. She told me no, the acct is closed so there will be no more of either activity. I was expecting to receive my final stimulus check. In XXXX, i still hadn't received my stimulus that i was expecting so i went to Chase bank and they said yes we received it but ur account is so far in the negative that we kept it and put it towards your balance. I was told Chase closed my account by the XXXX, my stimulus came around the XXXX or XXXX. I had even submitted proofs of my filing a police report for identity theft and fraud, and paperwork on my XXXX XXXX and XXXX  of needing to freeze my information.
Consumer complaint received 2019-05-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (TX)

In XX/XX/XXXX, I leased a 2017 XXXX from the following location XXXX XXXX XXXX of XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , XXXX , TX XXXX On XX/XX/XXXX, I decided to end my lease early and buy the car. The dealership told me they would pay off my lease loan with Ally Financial and sell the car to me. I agreed and financed the buy loan through XXXX XXXX XXXX. 

To this date, I my lease loan has not been paid off. I have had to pay two months of the lease loan and one month of the buy loan. If I dont, my credit will suffer I have spoken to the General Manager, XXXX XXXX, and he says he does not know when the dealership will be able to pay off the lease loan because the dealership and the entire company of XXXX XXXX is broke. 
He knew this at the time of sell. He, fraudulently, duped me and XXXX XXXX XXXX into believing the dealership obtained ownership of the car for resale. XXXX XXXX XXXX paid the dealership {$32000.00}, which I am responsible for paying. Yet, XXXX XXXX XXXX does not have the title for the car bc its owned by ally. 

I am stuck paying two car loans for one car and if not resolved soon, ally wants their leased car back and I will owe XXXX XXXX XXXX for a loan with no car. 

I will be forced to default on my loan and credit suffer for years XXXX XXXX ignores all of my attempts of follow up on the matter, including the past due registration of the car
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am disputing the inclusion of incorrect personal information on my credit report. The following details are not related to me, and I have no connection to them. I kindly request that this information be promptly removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: ALLY FINANCIAL INC. (MI)

They came early in the morning and towed the truck from our driveway without any type of warning .This was a 6 month extended lease from a two year with them, their was no late payments with only two payments left on the truck. We had been leasing with the same dealership for the past 15 years with no problems. When we found out Ally had taken the truck they would not give us a reason for taking it .We later found out that some of our payments were going to another account with our name on them .because we have proof from our bank that they cashed the checks and deposited them in their account .They also would not give us our personal property that was in the truck that was in the est. amount of {$2000.00}.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/2021, I paid off my Chase credit card in the amount of {$14000.00} ( the payment was due on XX/XX/XXXX, but I was awaiting the last of my funds to register in my bank for the payoff ). On XX/XX/XXXX, I was charged an additional {$160.00} in interest, two days after my payoff was posted and completed. 

I have requested with Chase that they look into this ( XX/XX/2021 ), and was given the explanation of " Since the full statement balance of {$14000.00} was not received by XX/XX/2201 due date, interest charge of {$160.00} was assessed on your account. Even if you pay that balance in full, you'll be charged interest from the date the last statement closed until the payment for the full balance on the account was received. '' ( Sadly, the poor wording is in their response to me, not in my relay of the response. ) They also give a long explanation that this decision is " based upon compliance with applicable terms of our card member agreement ''. I'm frustrated, and believe that this is an unfair business practice, that a one-day late payoff ( if it was just a payment toward the account, I would fully understand ) results in {$160.00} in interest two days after the payoff was made. Had I seen any additional charges at the time I made my payoff, I would have paid the entire balance - but this amount was the entire balance, stated online, to be paid.
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (VA)

Recently opened a PNC XXXX XXXX XXXX, Approved for XXXX. The person who did my application over the phone told me I could speak with another dept to have my limit re evaluated as I am closing another credit card that this will be replacing. That department turned out to be closed so the next day I was advised by the closed departments manager that my limit could not be reconsidered since it was not the same day I was approved. Which I believe is not fair! Also I realized that in XXXX, You can not make payments via the app unless I have a PNC account is UNACCEPTABLE. This has be strongly regretting my decision to pursue this account.
Consumer complaint received 2021-03-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FlexPath Capital, Inc (SC)

After filing a complete with the CFPB on XX/XX/XXXX the loan from Flexpath Capital is still open after requesting for it to be closed. The last payment made on this account was XX/XX/XXXX. The company responded that the loan is being handled with a XXXX XXXX but is still open. This company XXXX XXXX XXXX XXXX was Dissolved on XX/XX/XXXX. Even after reposting the errors with the Credit Bureaus it would drop and reappear as open.
Consumer complaint received 2022-08-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-08-16
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. (SC)

Am a natural person I am a living human being I have right under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (IL)

I USED THIS CARD ON XXXXXXXX XXXX XXXX BECAUSE PNC E MAILED ME TO USE THE CARD SINCE I HAVE NOT USED IT SINCE XXXXXXXX ON XXXX XXXX, XXXX  PNC TOOK OUT MONEY FROM MY CHECKING ACCOUNT IN THE AMOUNT OF XXXX  WITHOUT MY AUTHORIZATION. THE FOLLOWING ARE THE PURCHASES DONE BEGINNING 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THIS ARE THE TOTAL PURCHASES. THE DUE DATE SHOULD HAVE BEEN THE NEXT MONTH.
Consumer complaint received 2020-11-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

there are unauthorized inquiries late payments and account that don't belong to me that need to be investigated see XXXX  XX/XX/XXXX for complete letter to credit bureaus
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports