davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-04
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

I bought a watch with a chase card that.stated it was waterproof to XXXX atmospheres ( XXXX feet ) for my son. He went in the water in a pool and clearly the watch got water in it. I took photographs of the watch and sent them to the manufacturer who happened to be in XXXX around the time there was turmoil about them succeeding from the XXXX XXXX. They said to send it back and I was already to do that though I was nervous that the watch would not get there so I called chase to ask them what to do ... I was advised to start a dispute process and that I did not have to pay to return the merchandise and that the merchant should send a return shipping label. So I communicated that back to the merchant.. They refused to send a shipping label and threatened if I sent the watch back they might find that the watch was not faulty ... I tried to upload my documents to the website several times each time with a response that chase had received my communication and would let me know with in 24 hours WHICH THEY NEVER DID ... I had to redispute the charge several times, Chase never gave me any chance to respond to the merchant. And though all calls are monitored miraculously they were unable to listen to the call where the advisor at chase advised me not to return the watch .... They sent me responses from the merchant in XXXX that they had translated but never the translation.. They would say they would investigate and get back to me and then leave a note that they would call me and not call me back, put the charge back on the account without any notification that I would only find out after I called them. MY ADVISE DO NOT USE CHASE TO BUY ANYTHING YOU THINK YOU MIGHT EVER NEED TO DISPUTE THEY ARE VERY DISHONEST. I desire a government investigation into Chase Dispute practices and procedures, an apology from Chase, that they listen to the call that clearly will prove that their representative told me not to return the watch and removal of the {$310.00} from my account.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

My spouse and I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously.
Consumer complaint received 2017-02-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (AZ)

on XX/XX/XXXX my wallet was stolen and my chase debit and chase credit cards were used the same night it was stolen before i woke up. i recieved a txt alert from chase credit about the credit card being used and replied that it was not authorized. they also used my debit card with a chip for {$610.00}. that morning i reported it and chase replaced the funds into my acount. on XX/XX/XXXX chase took the {$610.00} dollars back out of my account reversing the claim. when i called chase about it they said there isnt enough evidence that i wasnt the one who used the card
Consumer complaint received 2024-10-10
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. (FL)

Date : XX/XX/XXXX EXPERIAN XXXX - XXXX DEPARTMENT Experian XXXX Department ACCOUNTS THAT NEED TO BE REMOVE : XXXX. XXXX XXXX XXXX - Date Opened XX/XX/XXXX Acct # XXXX Original balance {$XXXX} Account Type : Collection XXXX. XXXX XXXX XXXXXXXX - Date OpenedXXXX XXXXXXXX, XXXX Acct XXXX Balance $ $ XXXX Account Type Debt
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I have contacted transunion on multiple occasions to stop illegally reporting my sister credit information on my credit report. On XXXX XXXX, I went to finance a vehicle, and my credit was flagged as high risk because I failed the security questions about my credit profile. The security questions that were asked, were questions pertaining to a car loan and the payment installments which I had no knowledge of. I then checked my credit history and saw that transunion have ignored my contact to stop reporting false information on my credit. They have been reporting my sister 's information on my credit report on multiple times. 
Thank you
Consumer complaint received 2017-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (FL)

SunTrust bank caused overdraft fees by not doing the correct fraud investigation into my checking account. On XXXX $ XXXX $ XXXX {$550.00} funds drafted from my checking account. The bank closed my debit card due to fraud and refunded the first two charges. The last charge they denied via letter and I was requested to contact the vendor for the funds. I appealed and requested information about the vendor specific contact info. They refused to give me the information, although it was the same vendor for the 3 claims. I requested the head of the department phone call ... never received a call from the fraud unit. The bank has refused to reimburse me the NSF fees collected by the deduction from my account. They claimed the 3rd claimed denied because they had other claims for the same vendor. Lack of customer service and investigation and overcharge in fees.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

I recently received a second settlement check from American express. This check was the result of a lawsuit they lost for deceptive practices. The check they most recently issued to me bounced. I then incurred bank fees for the dishonored check. I called American express they claim that they have no record of my prior gold card and that they never sent the check. I am still in possession of the check. 
Check number XXXX drawn on XXXX XXXX, XXXX NY. American express XXXX XXXX XXXX # XXXX, XXXX NY XXXX printed on the check.? routing XXXX XXXX? account XXXX {$37.00}. I am seeking the {$37.00} plus {$15.00} for the bank fee charged to my account. Reason code was refer to maker. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-10-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

USAA Federal Savings Bank, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX is the name of the bank and Insurance Company. It seems I had people that were invited by a friend were not good people. They caused severe damage to my home and vehicle during XX/XX/XXXX thru XX/XX/XXXX. Then when my car was totaled shortly after that this company called and canceled my insurance and closed my checking account. They claim is was because I lied on a claim on tires that happened just 1 week before my vehicle was totaled. I lied on a claim that I had already paid for because I wanted to see what they would say as I had XXXX tires slashed in XX/XX/XXXX that I had paid myself. I thought they would be understanding but I just had many claims and I feel they were looking for a way to just get rid of me. I did not know the persons that were living with me were drug dealers and sold drugs out of my basement. After they were arrested I was able to freely enter the basement with the police and found evidence of what they were arrested. I feel bad I could not do more to help the insurance company get some of their money back. When I was notified my car had been taken and I had to walk everywhere. 
The pain I had on my left side was very bad from the accident. I had to beg and pay people to take me places which was very expensive. Too much happening for them to cancel me now. Since I am a XXXX I feel I was discriminated because of my age since I am XXXX.
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (OH)

XX/XX/XXXX, we visited Keybank regarding fees and was told my account would be placed on Key Privilege Checking. The benefits of Key Privilege Checking included free checks and no maintenance fee ( see attachment ). I recently had a NSF when I knew I had enough to cover the checks written. After reviewing my account, it was determined that it was the maintenance fee for {$25.00} which caused the overdraft. Further review of my account shows that I have been charged a maintenance fee of {$25.00} since XXXX XXXX, however my check reorders have been free. I have spoken to XXXX, who was able to adjust XXXX maintenance fee. XXXX stated further review would be required by XXXX and then we were advised XXXX could not make any further determination and I was referred to XXXX, Operations Manager who said all she could do was adjust XXXX more maintenance fees and that she would put my account on the maintenance free Employer program to avoid future fees. 

I am requesting a refund for the XXXX maintenance fees ( XXXX ) charged in error in the amount of {$250.00}. The fees can be seen on the attachments posted on XX/XX/XXXX/XX/XX/XXXX between XX/XX/XXXX-XX/XX/XXXX ( XXXX of the XXXX have been refunded by the bank ).
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have been calling equifax for over 2 months now trying to receive a revised copy of my credit report from the disputes that have been completed confirmation numbers # XXXX, # XXXX, # XXXX, # XXXX. I have n't received the confirmation by mail and I keep being told when I call they have mailed the letter and it will take 7-10 business days!
Consumer complaint received 2017-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SUNRISE CREDIT SERVICES, INC (TX)

An account was opened in my name with XXXX without my permission. this account was sent to collections and a collection agency called me to collect on a debt I dont owe. {$160.00} was the amount of the balance owe. the collection agency is Sunrise credit services at XXXX. I have contacted the police in regards to the issue as well.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (TX)

I am set up for online credit card payments with XXXX XXXX  Services and I made a payment of {$240.00} ( the minimum payment ) by the due date of XXXX/XXXX/2017. However, they are claiming my XXXX payment was late because it was paid after the " cutoff '' time, which is not noted anywhere on their website 's payment portal. As a result, I was charged a late fee of {$27.00} for supposedly making a late payment. I do not believe they should charge this fee when they do not make it clear when the " cutoff '' time is. I have attached screenshots of their online payment portal and I would appreciate if your agency would look into this.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX andXX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (CA)

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXX/Account # XXXX, Account name : XXXX XXXX XXXX/Account # XXXX, Account XXXX : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX/Account # XXXX. However, they stated everything was complete and acc

urate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2017-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Company : XXXX XXXX XXXX. 
Vehicle:XXXX XXXX XXXX XXXX VIN : XXXX Account Type : Lease This account was opened under my name for a car I do not have. No authorization was given, nor was the car leased. I have tried contacting and disputing this wrongful credit line numerous times with the company, yet this has not been resolved.
Consumer complaint received 2017-11-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (NC)

I received an offer in the mail from Big picture loans and applied using their website on XX/XX/2017.  After being approved, I was provided with the rate and terms which were as follows. 

{$720.00} loan with an estimated APR of 558.4082 % and a monthly payment of XXXX for 13 months. 

This morning I received an email stating that my loan was being processed and I sent this responce. DO NOT PROCEED WITH THIS LOAN REQUEST!!!! 
I have no intention of utilizing your services regarding this loan as the rates quoted at the end of the loan process are at the very least predatory and more than likely criminal in nature. My experience with your firm is being forwarded to the appropriate State and Federal agencies for regulatory review.
Consumer complaint received 2017-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

i have bean consumer for chase bank for long time. on XXXXX/XX/2010 chase closed all my account. I try very hard to know the reason. I never got the reason for that. 6 month ego friend of my. witch she open for me home equity loan. she explain to me. a company under name wide world.witch going law suit for five years. opened a account under my name. and thy do. not legal transaction. no one info me about that. I am stile have closed account. for 13 years I paying monthly payment. I asking to open my checking account my three credit card and my equity loan. I cant pay my bill. the chase bank no take cash. for me this is not easy for to pay my bill.
Consumer complaint received 2017-11-22
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: TOYOTA MOTOR CREDIT CORPORATION (FL)

There were several accounts listed on my credit report that 's inaccurate and has hurt my credit scores. I have on several occasions disputed alleged late payments on my credit report. These companies have yet to send me. 

Section 168 of FCRA law ( s ) info on report does NOT match my records. I demand this item to be Updated to Paid as agreed, never late from my credit report ASAP. 
The below listed Late Payments that are being reported within my credit report is inaccurate account information. I have never been late with my payments of these accounts. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains these late payments are incorrect payment history information. Under Section 168 FCRA this Late Payments Dated does not match my records nor the original creditors records to what reflects on my credit report, there-fore this item MUST be deleted and UPDATED under this law. The late payments never happened!
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NE)

I am contacting you today to request a gesture of goodwill. I have several loans with Fedloan. I am currently on an income based repayment plan that does not require me to make a payment. I would like to actually repay my student debt. My education has served me well and because of it I have been presented with an opportunity to purchase an existing and successful franchise. However, the late payments on my student loan account are preventing me from obtaining an approval for the business loan I need to acquire the franchise. 

The late payments reflecting on my account are actually due to miscommunication on both ends. There were periods of time where I requested a deferment or forbearance due to my financial hardships but my requests were not initially honored ( Apparently due to a mistake made by the customer service representative ). In XXXX or XXXX of XXXX my family was struggling to make ends meet and were on public assistance. I communicated this to a representative at the time and they informed me they would request a deferment of my payments for 1 year. I thought my account was squared away and did not check my monthly statements, for a while. 

In the XXXX I received a notification via email that my loan was on the verge of defaulting which prompted me to call. It was then that I was informed that the deferment I requested had not been implemented. The representative was very polite and helped me resolve the issue through backdating the forbearance and deferment request. It was my understanding I would not need another deferment for at least 12 months if my financial situation did not improve. This was not the case and lead to additional late payments on my accounts. 

I take complete responsibility for not following-up and ensuring the initial deferment was implemented and for not understanding that I needed to make another deferment request, however ; I would really like to be in a position to repay my loans in full. The franchise I seek to acquire will allow me to repay all of my student debt within a matter of 36 months. I understand Fedloan is obliged to report payment history accurately. I ask that either Fedloan stop reporting the late information and make it " unavailable '' or better yet update my payment history to reflect the loans were in forbearance/deferment for the following months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and XXXX and XXXX of XXXX and mark them as paid as agreed. Doing so will allow me to improve my financial position and repay my loans in full.
Consumer complaint received 2017-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have contacted Transunion multiple times via phone and mail regarding unauthorized inquiries on my credit report. I have not given any company permissible purpose to check my credit. I have not be able to resolve this with Transunion, I have notified them several times that I did not apply for any products or services. By reporting these Transunion is violating the fair credit reporting act. I was able to resolve this issue with both XXXX as well as XXXX. These inquires should be removed as soon as possible due to inaccurate reporting. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.
Consumer complaint received 2017-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (WI)

We paid off the loan in full with our lawyer XXXX XXXX  2017. We 've checked with register of deeds in XXXX county WI and they keep telling us they removed the mortgage from the deed as lien holder and of this date it still has n't been removed.