davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CO)

My JP Morgan Chase card was hacked, and they gave me another card. They said I did not have to pay for the items that were fraudulently charged ( almost {$1000.00} at XXXX XXXX ), but then they cam back and added ( without any warning ) {$600.00} in claw-backs from these fraudulent charges. I cancelled my accounts with Chase because they were cheating me. I had about {$3000.00} on the balance, and after I filed an earlier complaint with the CFPB, they called right back, all sorry and everything, and they promised that they would delete the charges. In good faith, I sent them {$2000.00}, which is close to what I owe. they acted like they were going to " clear all this up '' -- but that was weeks ago. All I got was another invoice for the remaining bill, with no adjustment for the fraudulent charges. 

I have never heard from Chase again, after all their XXXX promises to make things right. They should be prosecuted for abusing me, my time, my credit rating ( they have injured my credit rating ( I have proof ) by claiming that I am delinquent on the balance. 

These people are lying thieves. I pay a lot of taxes to my government, and these people always seem to land on top, because they XXXX the XXXX out of people like me. I want someone who works for the Unites States to rattle their cage, and I want them to make some good-faith efforts to correct this situation. I swear if I had the money to afford a XXXX XXXX lawyer, I would take them to court. I don't make a lot of money, and they are doing more than taking money from me -- they are ruining my credit rating, which will cost me even more in the future. 

Please help me!
Consumer complaint received 2020-05-23
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Paypal Holdings, Inc (CT)

My stimulus check was deposited into my PayPal account on XX/XX/2020. It is now XX/XX/2020 and I'm still waiting on my deposit. I recevied my letter from the IRS stating it was deposited. I've been waiting over a month. What is going on?
Consumer complaint received 2018-01-30
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. (NJ)

as of XX/XX/2018, XXXX  XXXX XXXX XXXX has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( XXXX XXXX XXXX XXXX ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$520000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX XXXX 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520000.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3900.00} -This is not my account.
Consumer complaint received 2020-05-23
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. (NJ)

My account was overdrawn by Chase because a claim I made was rejected back in XXXX as they claim that it was me when it was not. After they did this I threw away their card and was going to call to cancel my account out of nowhere chase gave me money and made my account go back and XXXX  and I called an they confirmed the account was closed this was back in XXXX. I do not have the exact dates. I the see my account overdrawn again with different amounts even on my savings account XXXX and checking XXXX, XXXX which I do not know where it came from. I have not use the chase card for any transactions after my account was overdrawn I got rid off the card and never wanted business with them anymore. This is my second complaint, however I got response about the claim I made in XXXX for {$1200.00} and my question is how is my account now overdrawn for {$2400.00}?. I am having the worse experience and I want Chase to prove that I made any other transactions with my card and now owe {$1100.00} than what it was before? I just do not understand it! I need this resolve please I have no more energy losing my job and my house during this pandemic and I want answers. Thank you
Consumer complaint received 2020-05-22
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 — Problem with personal statement of dispute
Company: ERC (IN)

I've spoken to XXXX several times and a majority of the time the reps are very rude.. My last call was XX/XX/XXXX, I spoke with XXXX who claimed she was a supervisor.. I was following up on a dispute from creditor Enhanced Recovery that the XXXX   claims to have verified as a valid debt. I asked could they send me the method of verification used or any information they have that validates this debt. She told me she didn't have any and that if I needed it to get it from Enhanced Recovery. I went on to explain to her that according to the FCRA guidelines that it is my consumer right to request this information and that it is XXXX XXXX  duty to provide it to me upon request and to also report factual verified information. She got upset with me when I started quoting FCRA rules and guidelines according to the law and told me if I didn't have anything further or anything else to talk about then have a good day and hung up on me
Consumer complaint received 2020-05-22
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX
Consumer complaint received 2018-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I printed out an offer from the Internet advertising " 21 Month Intro Offer on BT ( balance transfers ) and Purchases '' on a Citi Diamond Preferred Card. I called XXXX to apply. The telephone banking sales person confirmed it would be for 21 months, and that I would have four months to make any needed balance transfers. So I went through the entire application process and got approved quickly on the phone, but then she told me balance transfers would be for only 12 months instead of 21 months as originally stated. 

That is an outright BAIT AND SWITCH tactic. I have great credit and two other Citibank credit cards with never one late payment. Isn't this BAIT AND SWITCH illegal? 

XXXX XXXX, XXXX, CA
Consumer complaint received 2018-01-30
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

as of XX/XX/, 2018, capital one Auto finance has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( capital one auto Finance ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of Capital one Auto Finance.
Consumer complaint received 2018-01-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp. (SC)

I brought the car in XXXX XXXX, 2013 and i kept it for 3 days i took it back to the dealership and told them it was a lemon and they still paid the first payment to receive the check for the car and get me tied in for the loan
Consumer complaint received 2024-10-10
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. (OH)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2020-07-06
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: SYNCHRONY FINANCIAL (MA)

How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/XXXX, XX/XX/XXXX for 30 days lates. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-05-22
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. (GA)

On XX/XX/XXXX I mailed a request to help resolve issues on my credit report to the 3 credit bureaus Equifax, XXXX, and XXXX. I disputed 5 accounts a late payment from XXXX  from XX/XX/XXXX, a late payment from XXXX XXXX  from XX/XX/XXXX, a late payment from XXXX XXXX XXXX from XX/XX/XXXX, a collection account from XXXX, and XXXX XXXX. I have yet to hear anything from any of the 3 credit bureaus. I also mailed another request on XX/XX/XXXX and still have not received any response. It has been over 40 days and I want the issues resolved on my credit report immediately. I have tried calling, the phone prompts are so hard to get through. Equifax, XXXX, and XXXX  are making it very difficult to try to resolve any issue I have on my credit report and I want something done about it.
Consumer complaint received 2022-02-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF THE WEST (IA)

For previous credit card debt charged off by Bank of the West, I received notice of collections from XXXX XXXX XXXX back in XX/XX/XXXX. I proposed to pay XXXX per month, if able, to settle my debt of about {$9700.00} in five years. XXXX XXXX XXXX  did not respond to email requests and did not acknowledge receipt of my payments until XX/XX/XXXX when I was unable to make a payment until a month later. They then emailed back and advised me to call the collections agent assigned to my file, which was a direct violation of my request to only communicate by email as stated in the original note. 

From XX/XX/XXXX to XX/XX/XXXX, I continued to make monthly payments to XXXX XXXX when able in a total amount of {$3500.00}. My payments did not apply regularly to the account balance, and the reasoning given for this was interest rates. I distrust the agency 's records system because numerous emails were directed towards the incorrect name " XXXX '' and various agents ' names were used that did not provide further information. Also, requests were not answered to provide receipt of payments on several occasions and overall balance plus interest. I made a payment of {$75.00} on XX/XX/XXXX and notified collection agency that catch up payments would be made in XXXX for which a response was given : " Hi XXXX, This is to inform you that your account has been cancelled back to Bank Of the West, so please call them for any future payments. '' No notification was given that collections account was being cancelled. This was second time collection agency directly retaliated against my written request for no phone contact by demanding I call their office. 

Bank of the West also performed an inquiry on my credit report in mid-XXXX XXXX without my consent and without advising. I was still making a payment in late XXXX and see no reason for the company to make any inquiry on my credit account.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX
Consumer complaint received 2021-12-15
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. (NY)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Certegy Holdings, LLC (MI)

XXXX XX/XX/2022. Check amount XXXX. XXXX XXXXXXXX XXXX Certegy declined check. Why? 
Called my bank and they are not happy with you. 
Went to XXXX and did not have an issue. So won't be using your customer, XXXX  again. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My complaint is about my personal information is being reported wrong. 
They are housing these incorrect addresses on my report which I have tried several times to get these wrong addresses off my report which they are not mine and I have never lived there in by Law if I never lived at these locations to avoid FRUAD and they need to remove these incorrect addresses.. 

I contacted these XXXX, EQUIFAX AND XXXX on XX/XX/2022, XX/XX/2022 and they haven't resolve the issue. 

In addition to Equifax they are reporting the wrong birth date on my report and they I asked to to fix it several times and they still haven't fix this issue.
Consumer complaint received 2022-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I have worked for nonprofits organizations for several years and have always applied and recertified for the Public Service Loan Forgiveness payment plan. Over the last few years, my recertifications have been either been 'processed ' for several months or initially accepted, but not shown in my lender account. Because my paperwork was being 'processed ' for months ( even though I worked for the same employer ), that delayed my enrollment. My loan was recently moved to a new lender, and upon looking into my account, it is showing that I was not enrolled in the Public Service Loan Forgiveness program for several years, which is not true. Because of this error, the months of COVID-related waived payments have not applied to my account. This is a grave mistake where the lender has denied my enrollment and there is nothing I can do about it.
Consumer complaint received 2024-08-27
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK (GA)

I called discover last week XXXX XXXX XXXX I have stressed to DISCOVER to stop reporting my private information and DISCOVER said they did STOP and they would not report to 3rd party companies or Financial institutions such as XXXX, XXXX and XXXXand Im still seeing that its still reporting my private information as of XX/XX/2022 I told them Pursuant 15 usc 6801 that I have rights to my personal information being shared to Financial institutions.
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

Hi, We booked round-way flight tickets for our family of XXXX through Chase Travel with Chase Reward points, and the remaining balance using our credit cart on XX/XX/2021. The total amount of the tickets was {$1400.00} ( paid by {$320.00} and XXXX points ). The flights were with XXXX XXXX ( XXXX ), and the departure date was Fri, XX/XX/2021, from XXXX to XXXX, and the return flight was on Fri, XX/XX/2021, from XXXX  to XXXX. 
On XX/XX/2021, the day before our departure, XXXX notified us that our departure flight was canceled. We contacted Chase Travel immediately and was told that XXXX ) they didn't receive any notification on their end that the flight was canceled so they wouldn't do anything for us XXXX ) they asked us to contact XXXX directly for information XXXX ) they couldn't guarantee the refund on the flight canceled by XXXX because they didn't get the information. Therefore, we contacted XXXX directly, and UA said they would process our refund due to the flight was canceled by the airline. On XXXX of XX/XX/XXXX, about XXXX hours after our flight was canceled, we received an email from Chase Travel saying the flight was canceled, but didn't mention anything about the refund. 
XXXX processed our refund for the departure flight on XX/XX/XXXX, and the refund was completed on XX/XX/2021, and the total amount was {$740.00} ( $ XXXX for each ticket ), and the refund amount was returned to our original payment method. 
In the whole process, since our flight was canceled, till today, we have been calling Chase Travel for many times, and each time the customer agent told us different things, some said XXXX took control of our flights, some said they were not sure about the refund, some told us to contact XXXX etc. We needed to wait hours for one call but couldn't get anything solved afterwards and we were very frustrated. We have confirmed from XXXX that they have issued the refund oveXXXX XXXX  weeks ago but Chase Travel refused to verify that they received it ( the customer service agent said they had no access to that ), and they declined to take the proof of XXXX refund. The last time they told me is, it will take up to 2 billing cycles, but they don't know when is the last day of the future 2 billing cycles and all we can do is to WAIT WAIT and WAIT! This is completely a FRAUD and WORST CUSTOMER EXPERIENCE EVER!
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nicholas Financial Inc. (MD)

In late XX/XX/XXXX I began experiencing financial hardship which prevented me from being able to make my car loan payments with Nicholas Financial on time. In XX/XX/XXXX the vehicle was repossessed. Since then I am back on my feet and have invested alot of time and resources into getting my credit back on track. So much so that I am in the process of purchasing my first home and need all of my information to report as accurately as possible. 

The underwriter on the mortgage loan is questioning the status of the balance of the repossessed account. Basically - is it charged off. 

I spoke to XXXX at XXXX @ Nicholas Financial corporate office who advised that the vehicle has been deemed as CHARGED OFF since XX/XX/XXXX but that they will not change the status from repossessed to charge off because the credit bureaus know what it means.

That may be true but the underwriter doesnt have to and the wording on any account should be accurate. The repo happened BEFORE the charge off. The account should have been updated after the occurrence