davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (WA)

Hi, I applied for three new U.S. passports on XX/XX/2022. I applied for XXXX adult and XXXX minor passport at the XXXX location ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX, XXXX XXXXXXXX XXXX XXXX ). For the adult passport, the mode of payment is made through a check, and the minor passport payment is made with a money order ( serial no. XXXX ). 

I was supposed to be charged {$260.00} on my debit card ( which includes a minor passport fee + passport card+ XXXX passport pictures for the XXXX passports + XXXX x XXXX execution fee ), and the fee for XXXX adult passports is paid by check from my husband 's account, XXXX XXXX XXXX attached those statements ). 

Unfortunately, during the payment processing, the acceptance facility 's system got hung, and the associate had to execute the same payment twice, thinking the first payment didn't go through. But during this, my checking account got charged twice for {$260.00} using the debit card. 

I didn't notice the charge right away. When I noticed I thought the payment would be reversed on its own, as one person can not be charged twice for the same serial number of money order for the same transaction. 

I contacted Chase Bank, and they rejected the request since it was an authorized transaction at the facility for the passport. After repeated trials with the Bank, I am communicated that the USPS facility has done the transaction in a cash-back form, so they can not file this claim.

The USPS back-and-forth reply " Unfortunately, We can not initiate any refund on our end after this long and have no access to transactions past 1 week. You need to dispute the charges with your bank. They have access and the ability to research and refund the funds as necessary. Please share our contact info with them if they request it. '' I am contacting you so that the amount above can be refunded. I have all the documents with me. Please let me know what needs to be done next. 

This is so much of a hassle and a XXXX box for a customer.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (TX)

I sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2023 requesting documented proof of the credit inquiries listed on my credit report.
Consumer complaint received 2023-08-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OR)

I bought XXXX dollars worth of bitcoin to send to another wallet, and the money was saved until the next day. The next day it was open, but I had to wait until I wasnt so busy to deal with it. When I retried, it told me I now had to wait a week. So I got upset at the staff, and within a few hours, it was 31 days. I shouldnt have been a jerk, but you can just steal my money. They keep telling me I can still buy more with outside cards, but its obvious they just want to XXXX XXXX XXXX more. I also had another account that wasnt started by me. Not the same bank or anything, and on an old email. They didnt seem to care, and I had to delete it myself.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXXXXXX 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
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MD)

XX/XX/XXXX, Home Depot gave us an estimate to have our kitchen cabinets refaced with a guarantee that they would match any lower price. In our research we found that XXXX could give us a brand new kitchen for XXXX less. When we asked Home Depot to price match they refused. I therefore cancelled the contract for the cabinet refacing and supposedly Home Depot removed from my account the {$15000.00} charge from my Home Depot credit card. XX/XX/XXXX, I was notified that I still owed interest on the {$15000.00}. I have made several attempted to get Home Depot Credit Services to remove the {$3800.00} in interest charges from my account, but they keep telling me that will only do that if I pay {$4800.00}. This does not make any sense to me as a consumer. No work was done by Home Depot at my except for the measuring of my existing cabinets for the task that was never completed. For two years my statements from Home Depot never showed a balance over {$8000.00}. Then all of a sudden a balance that was at {$5000.00} jumped to {$8800.00} without any explanation. Home Depot Credit Services and Home Depot have refused to answer questions from my legal assistance lawyers or respond back to me in writing as to how they came up with the {$3800.00} in interest charges on {$15000.00} charge that was removed from my account.
Consumer complaint received 2023-08-27
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. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have a 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.

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 and 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 2016-03-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (WA)

the following has occurred : 1. the notice of payment arrived on XXXX XXXX XXXX that was due on XXXX XXXX, XXXX for payment increase effective XXXX XXXXXXXX.and interest rate increase arrived five weeks late. chase bank has not given me the required 60 day notice of change in mortgage payment amount as required by cfpb regulations and us federa respa law. 
2. chase has not provided at least XXXX and one half years of missing mortgage statements for my XXXX different mortgage account numbers mortgage and refusing my request that mortgage statements be mailed to me. 
3, chase refused to give me a detailed escrow accounting sta tement since XXXX showing all charges including XXXX unapproved or authorized by me property appraisals at {$250.00} each as well as property preservation charges while they maintain dual tracking and mortgage foreclosure files on me. their employees have sent me documents showing chase tried to get nationstar to foreclose on me despite never being behind. other docs from chase show over {$21000.00} of unapplied payments and {$46000.00} of reverals of applied payments and escrow funds while chase demanded I pay mortgage payments XXXX and three times for the same month and year. the docs may also indicate that chase manufactured defaults by not applying paymnts in order to file tax free mortgage default insurance claims with XXXX or other carriers for falsified by chase allegedly mortgage defauls three times for the face value of the mortgage instrument or over {$1.00} million. since XXXX and o ther taxpayer federal funds were used by chase to support these activies it appears that major violations of XXXX federal laws were broken filing these false claims for fraudulent mortgage defaults. chase is currently doing allegedly its best to cover up all these activities and is still running multiple sets of accounting records on computers to allegedly perpetrate this interstate mortgage servicing accounting fraud for which the Occ fined chaes over {$45.00} million dollars.
Consumer complaint received 2015-04-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: STERLING JEWELERS, INC. (FL)

I went through a credit consolidation company called XXXX XXXX XXXX and Funds was automatically taking from my bank account from this company. I was under the impression that this company will pay my debts for me however I 'm being sued from a credit card company in attempt to collect This debt. I 'm not really sure on what to do because I have already submitted with court papers.
Consumer complaint received 2023-08-27
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: DISCOVER BANK (TX)

I DISPUTED THIS A WHILE BACK AND THEY REMOVED IT OFF MY ACCOUNT I CUT UP CARD THEY SENT XXXX XXXX XXXX AND THE ONLY CHARGE THAT WAS SUPPOSED TO BE ON THERE WAS {$99.00}, AND THE STAYED IT WAS DONE ON XX/XX/XXXX two of them then on XX/XX/XXXX charged something else and then stayed I called them on the XX/XX/XXXX to say it wasnt me. I ALSO TOLD THEM I HAD COMPLETE XXXX  XXXX ON XXXX XXXX XXXX  MY DAUGHTER DL WAS SUSPENDED FOR 90 days HER CAR WAS IN SHOP FOR SEVERAL MONTHS ( XXXX XXXX  ) AND SHE HAS NO XXXX To my card I had to take my daughter to XXXX XXXX on XXXX to pay to get her dl back. Also they stay them E-Mail and text my daughter but the agreement was they email me and text my phone which they didnt bottom line I didnt do this charges so I dont need to pay this but they did and investigation and found out it wasnt me and they removed it well credited my account back so when I received my bill it was it was only supposed to be XXXX some cents. My credit is very excellent as you can see and I dont want this on it
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc. (TX)

I sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX  requesting documented proof of the credit inquiries listed on my credit report.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KS)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (IN)

I initiated a balance transfer with Chase on XX/XX/23 of {$5000.00} for a 12 month promotional 0 % interest. I did this online. 

I received my XXXX bill with interest, so called in to make sure the promotion was in effect. I was told it was, but due to the terms of the balance transfer interest was charged on new purchases from the date of purchase instead of a traditional billing cycle. I said I was not told this, and they explained the agent had to go over these disclosures on the phone before allowing it to go through. It took two explanations from myself that it was not done with an agent but online before she said that I still acknowledged this would happen. 

I humbly admitted I'm sure did not read XXXX & XXXX 's of something like this before hitting " Accept ''. I asked to be emailed a copy of what I signed. It was stated that it could not be provided. 

Now, at this point I decided would just use another card for regular purchases to completely avoid this in its entirety. However, tracking down the all the pieces the card was tied to was problematic. But when charges came through, I made immediate payments to clear those charges to ensure no interest would be charged. 

However, I am now learning that Chase has been applying my payments with significantly higher priority to my brand-new 0 % balance transfer instead of the purchases that I had made that would be accruing interest. In addition, you are not able to see how your payments are applied in this fashion until your next statement when that interest has already been accrued. 

For my XXXX payment of {$2300.00} to clear all non-balance transfer charges, {$500.00} of that was used towards the 0 % balance. This is clearly in an effort to force the consumer to pay interest on their purchase. At a XXXX, {$450.00} would be the needed amount paid by month to have a this {$5000.00} transfer paid off in the 11 months by its due date. To take even more than this is blatant manipulation of payment to force consumers to pay interest.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I subscribe to XXXX XXXX which is a joint venture of Trans Union and XXXX. 
I am presently applying for a refinance mortgage on my primary residence with a local lender. 
The lender asked me, " what is your credit score ''? I pulled XXXX XXXX ( screen shot provided ) from my smart phone and I responded " XXXX and XXXX - Trans Union and XXXX respectively ''. 
Lender pulls my credit and the scores are XXXX Trans Union a XXXX point difference and XXXX XXXX a XXXX point difference. 
These companies are misleading consumers with incorrect credit scores which in the end impacts the pricing on my mortgage. 
By the way, both the screen shot and credit pull was done the same day - XXXX XXXX, 2015. 
Requiring accurate credit scores to be reported to the consumer without large differences should be an absolute requirement of the credit bureau repositories.
Consumer complaint received 2023-08-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I sent a certified letter via usps to Huntington National Bank on XX/XX/2023 requesting information about the amount owed, the auction of the vehicle and a written response with the requested information within 30 days. Huntington National Bank has not provided me with anything in writing and it has been beyond the 30 days, which is a consumer violation.
Consumer complaint received 2023-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

Dated : XX/XX/2023 JPMorgan Chase & Co . 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, New York, XXXX REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE JPMCB CARD, ACCOUNT NO. XXXX. 

Dear sir, I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account No. XXXX titled as JPMCB CARD SERVICES. 

After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that JPMORGAN Chase & CO has provided me, and I am grateful for the positive experiences I have had as an authorized user. 

I understand that there may be necessary administrative processes to complete in order to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. 

I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter. 


Thank you for your attention to this matter. I look forward to receiving confirmation of the successful removal of my status as an authorized user of the aforementioned Credit Card.
Consumer complaint received 2016-02-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Federal Credit Control, Inc. (OH)

I was injured XXXX and I have a worker 's comp claim # XXXX date of injury XXXX/XXXX/XXXX I was going to University Hospitals here in XXXX, Oh. and because the clerks did not put correct medical codes on these bills Worker 's Comp refused to pay These bills are dated between XXXX and XXXX. 
++these bills are over 10 years old XXXX they should be removed from my credit reprt
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (MA)

I closed this account on XXXX XXXX, XXXX as part an agreement with Citi for me to opt of fufther interest rate increases, and for Citi to waive interest for one year. The interest rate at that time was 8.24 % and was to stay fixed until the account was paid off. Beginning with my statement ending XXXX XXXX, XXXX, the interest rate was increased to 8.49 %
Consumer complaint received 2023-08-25
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
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 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 2023-08-25
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 2023-08-25
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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. 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 2023-08-25
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.