davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

I bank at Chase and I am a small business owner. For the past 3 months, I have been trying to stop unauthorized withdrawals from my banking account. This endeavor has taken at least 10 hours of my time and I am still missing {$2200.00} from an unauthorized payment. Each time I call Chase, I speak to a different person and it takes upwards of 30 minutes for them to understand the situation. On top of that, there is always a different resolution, and Chase 's multiple back offices ca n't see notations from other offices. Chase has now withdrawn and put back in {$2200.00} into my account now 4x. I was told this issue was resolved multiple times, and then the funds are withdrawn without even a notification as to why they are taken out. I am still out this amount of money. 

On XX/XX/XXXX, a merchant that I am no longer doing business with, withdrew {$2200.00} from my account. I immediately called Chase and they were able to stop this payment, and I paid {$30.00} to block this merchant. 


On XX/XX/XXXX, the same merchant came back and withdrew {$2200.00} from my account. This time, the merchant withdrew funds under a different name. I immediately called Chase, and XXXX ( spelling? ) in the phone banking division said she would stop the funds from going out, but she did not follow the proper protocol. I was told that the funds would be back in the account in 1-2 business days. 
On XX/XX/XXXX, there were still no funds in my account, and I called back to inform Chase. It was at this point, that a " claim '' was filed. However, in multiple discussions with Chase, I was told this claim needed to be filed within 24 hours. XXXX ( who I spoke with on XX/XX/XXXX ) did not follow proper procedure when I initially called. 

After my call on XX/XX/XXXX, Chase temporarily put the funds back in my account, but then withdrew them a few weeks later on XX/XX/XXXX, claiming i had not filed the proper procedure to file a claim. 

On XX/XX/XXXX, I spoke with " XXXX '', senior specialist in claims and he agreed that " XXXX '' did not file proper procedure. He told me they need to contact her call center and refund me the {$2200.00}. 

Then the executive office got involved, who acknowledge that I called and spoke to someone within the necessary 24 hours but that call can no longer be listened to after 30 days. I did not call Chase customer service to chit-chat, I called to stop the fraud in my account. This has been twice escalated to the " executive office '' in Chase with the same negative result. 

I should not be a victim of Chase 's inability to follow procedure. Please help.
Consumer complaint received 2024-10-08
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: EQUIFAX, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2016-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I tried to pay my mortgage payment early and Specialized Loan Servicing LLC wanted to charge me a {$10.00} penalty for doing so! I wanted to pay using my bank account. They said I would have to go thru XXXX XXXX to do this, which has a charge! Paying early incurs a charge??? Let 's put a stop to this abusive practice!
Consumer complaint received 2016-12-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (IL)

Calls repeatedly from a fake local number every day, no voicemail just calls. Sometimes twice in less than a minute. Finally sent an email with the proper debt notice, but continued to call over and over each day. When I had time to step away at work to talk, I asked for the full final bill for the debt, never received it. I asked multiple times when they would call me again. Finally, I decided to settle the debt via payment arrangements. Set them up and when the second payment was to go thru it did n't. Received emailed on Sunday about debt, received 3 calls on a Monday morning, called them as I was confused because of the arrangement that was set. Come to find out they do n't do auto payments which was n't made clear to me previously. Made that second payment and now all of a sudden the arrangements change, the previous person should n't have made the arrangement with me and unless I start paying a larger amount each month they are going to continue collecting/calling me and report me as a non pay. This bait and switch tactic is very unfair.
Consumer complaint received 2016-12-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MI)

This is my second complaint against Wells Fargo Mortgage. I was told that they increased my mortgage XXXX XX/XX/2016 due to my escrow. I was not informed of this until to day by corporate. My house was put into foreclosure do to this discrepancy in communication on their part. If i would have known XX/XX/XXXX, i would have sent the full amount the mortgage was increased to. They do not seem to want to take ownership of their error. Now i feel my next acton is to retain a lawyer. My last complaint has not been resolved yet.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (TN)

EdFinancial Services is reporting to all of the credit bureaus that I am late on my payments. I have email proof along with statements inside the Edfinancial Services customer portal showing that my balance due is currently {$0.00}, and has been that way since XXXXXXXX XXXX XXXX
Consumer complaint received 2016-12-05
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CURO Intermediate Holdings (OH)

My husband was at our place of employment when someone called for me. The receptionist answered the call and someone asked for me. She said I was n't available and asked what this was in regards to and the man said business. My husband traced the phone number off the caller ID and it was from Kansas. Speedy Cash is from Kansas and I did have an account with them. I asked them not to contact my employer and they still did.
Consumer complaint received 2016-08-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: OpenRoad Lending (NY)

On XXXX XXXX the company performed OpenRoad Lending a inqury on my report. I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit. I am getting the run a round.They say things such as it was made on XXXX, placed online. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury.
Consumer complaint received 2016-12-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: MarkOne Holdings, LLC (FL)

MARKONE FINANCIAL LL ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MARKONE FINANCIAL LL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MARKONE FINANCIAL LL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2016-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CMI Group, Inc. (OH)

I have an unverified account from CREDIT MANAGEMENT. I had previously disputed this account. I have never done business with CREDIT MANAGEMENT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT MANAGEMENT Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2016-12-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Total Card, Inc. (IL)

This company has changed name multiple times, I have sent Proof of all my addresses, name and my Drivers License and state ID most of all my PASSPORT showing I was out of the country for 3 yrs. and a Police report. to prove. and they still refuse to remove XXXX fraud accounts. I had a fraud alert and they did not call to verify Identity also I was told these XXXX credit cards was open on line. using a fraudulent address for a XXXX XXXX XXXX I have given way to much info to this company and they continue to play around. I have been mailing them for 5 months XXXX XXXX who does this
Consumer complaint received 2017-01-20
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

I deposited a check from my business account at XXXX XXXX into my personal account after hours at Chase ATM machine for {$150000.00} on XX/XX/XXXX. However, the machine only credited my account for {$150.00}! I went to the branch where the ATM is located and informed the discrepancy to a private client banker on XX/XX/XXXX. He talked with Chase head office and was told that the problem will be resolved by XX/XX/XXXX. I even received a letter from Chase customer claims that " my inquiry has been resolved ''. However Chase refused to release the remaining {$150000.00}. After repeated calls to the branch and customer claims center over the past 3 weeks, I have now received this amount BUT only as a TEMPORARY credit until " they investigate the matter further ''. 
Thus, I am afraid to access these funds since they might take this money back from my account and charge me a fee for an overdrawn account In the past, they have charged me a fee of {$75.00} if my balance falls below {$75000.00} even for a few hours. 
I am enclosing a copy of the original check, copy of my account statement, the letter from Chase claiming that " they have discussed and I have agreed that this matter is resolved " - obviously completely untrue, as well as an email that states clearly that the credit is only temporary. I also enclose a notice from XXXX XXXX stating that my business account was debited for {$150000.00} and NOT for {$150.00} by Chase
Consumer complaint received 2024-10-30
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (KY)

Had a family medical emergency situation. Got behind in all my payments. Called to pay for my products and explained and asked for late fee removal. CSR said she could remove {$15.00} of the {$70.00} late fees. I said that wasnt enough. Then she said she could remove {$40.00}. Later calls the CSR said she could remove the first two late fees if I paid the third and interest. I said there wouldn't be a third late fee if they had removed the first two when I asked. So we are at a stalemate. They keep adding late fees and interest to my account and calling and harassing me.They will not allow me to cancel the account. I paid the initial charge amount of {$32.00} on XX/XX/year>. This is an Ulta charge card through Comenity Bank.
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (TX)

I just look at my credit report with Equifax on XX/XX/XXXX. I identified some hard inquires that did not have permissible purpose according to the Fair Credit Reporting Act. Anything furnished on my consumer report must permissible purpose according to15 USC 1681b. I have also attached evidence. 

XXXX. [ XXXX XXXX XXXX XXXX, XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. [ XXXX XXXX XXXX XXXX, XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. [ XXXX XXXX XXXX, XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. [ XXXXXXXX XXXX XXXX XXXX  XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2016-12-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO CAPIT ACCOUNT NUMBERs : XXXX AND XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PORTFOLIO XXXX or any company associate with this account # XXXX AND XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2016-12-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (AZ)

Transworld services inc. Contacted me and told me I own {$650.00} to a doctor at the University XXXX XXXX XXXX XXXX XXXX I have not been to nor ever visited this place. I have a pay stub that will prove that I was at work XXXX plus miles away during the alleged visit on XXXX XXXX 2016. The woman that contacted me from this debt collector was rude and threatened to ruin my credit. Transworld services inc. called several times and never left a message when I tried to call the number back no one answered and the voicemail option is always full there is no way to contact these people.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

I had submitted my paperwork for a renewal of my income based repayment plan in late XX/XX/XXXX or early XX/XX/XXXX. My expiration date of my current years payment was in XX/XX/XXXX, so I figured that I would get a head start by submitting my paperwork early. I had called later in the month to make sure that all documents were received. I was told they had been received, they told me my new payment would be XXXX and all I had to do was wait till XX/XX/XXXX to get my new payment. When I got my XX/XX/XXXX invoice, my payment had skyrocketed to over XXXX dollars. I called Navient and they said it must have been an error and that they would fix it. I asked if I could pay the XXXX and they said no, that that would be considered an incomplete payment based the amount they said I owed. My only option would be to defer the payment for another month while they fixed this issue, but that interest would accrue on the amount. Come the next month, the payment was still over XXXX dollars. I called back again and they acknowledged that I had called them and discussed the issue and that it should have been fixed, but that I would have to defer my loan for another month so they could fix it. I told them that they had told me that already and that it was n't fair that I had to pay interest bc of their mistake. The next month it was still not fixed! It took several phone calls to get this cleared up, I had asked to speak to speak to supervisors and all assured me it would be fixed and that if I paid the XXXX, I would still owe the balance and they would send me to collections. I was forced to accept deferment for several months. I finally called in XX/XX/XXXX and demanded to speak to another supervisor, this woman was able to fix the issue within minutes of the call. I asked her why this was not done during the many other calls I had made and she had no answer. I told her that I should n't have had to defer my account bc of their mistake and she said, " Well, you agreed to it '' I told you that the company had agreed to fix the mistake and that they had broken their end of the verbal contract. I was very angry and ultimately, the payment was fixed but I still accumulated interest bc they did not process my paperwork and failed to make good on the several promises to fix it and I was threatened to be sent to collections if I did not defer. 

I accumulated loans from XX/XX/XXXX-XX/XX/XXXX for University XXXX and from XX/XX/XXXX-XX/XX/XXXX at XXXX University.