davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (GA)

Subject : Formal Complaint Against Chase Card Services for Unjust Credit Limit Reductions To Whom It May Concern, I am writing to file a formal complaint against Chase Card Services for unfair and unjust practices related to the reduction of my credit card limit on account number XXXX. 
I have been a customer in good standing with Chase for over 5 years and have consistently met my payment obligations in a timely manner. Despite my long-standing positive history, my credit limit has been reduced twice within a short period, without prior notice or reasonable explanation. These actions have had serious, real-world consequences, including a significant negative impact on my credit score, a higher credit utilization ratio, and a tangible hindrance to my financial flexibility.

Specific Consequences : 1. Decrease in Credit Score : The credit limit reductions have led to a significant drop in my credit score due to a higher credit utilization ratio.

2. Ineligibility for Mortgage : These changes have rendered me ineligible for a mortgage, forcing my husband to secure the mortgage alone at a higher interest rate, complete with Private Mortgage Insurance ( PMI ). This is despite a combined annual income of {$270000.00} and a clean record of never having been sent to collections. 

I have contacted Chase Card Services multiple times to inquire about these abrupt changes and to request a reinstatement of my previous credit limit, but have not received a satisfactory resolution. If necessary, I am willing to escalate this issue to arbitration, a process I understand to be costly for the credit card company as well. 

Under these circumstances, I strongly believe that Chase 's actions violate the terms of fair credit and consumer protection. I kindly request the CFPB to investigate this issue and to take appropriate action to correct these unfair practices. 

Thank you for your time and attention to this serious matter. I am willing to provide further information or documentation upon request. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
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. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-10-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

Commencing on or around XX/XX/, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX  ( the Fraudsters ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXXXXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OK)

Disputed 3 times to inform them they are in violation of Hero 's Act. 
Report number- XXXX XXXX XXXX XXXX Report number- XXXX XXXX XXXX XXXX Report number- XXXX XXXX XXXX XXXX For late payment dates : XXXX XXXX XXXX XXXX XXXX 


In violation of The Heroes Act ( Section XXXX ) which states : The COVID-19 pandemic has caused extensive and growing impacts not only on the public health and well-being of millions of Americans, but also significant economic harm as well. 
Through no fault of their own, millions of Americans are unable to make payments on credit cards, car loans, or even their mortgage or rent. 
Under CARES, consumers have to rely on the willingness of creditors and servicers to agree to forbearance or other payment arrangements in order to be protected by the new law. 
The Heroes Act replaces the CARES Act provision with much stronger consumer protections. The Heroes Act ( Section XXXX ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days. 
Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishers from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic.

Bans COVID-19 medical debt reporting, in particular any debts relating to COVID-19 medical procedures or treatments. Consumers impacted by the staggering costs of medical care should not face diminished credit options due to getting sick in a global pandemic. 
XXXX XXXX XXXX The Heroes Act ensures that these innocent consumers are held harmless and do not suffer further damage by having late or missed payments ruin their consumer credit report and reduce their credit score, which in turn limits their ability to get affordable credit or even a job.
Consumer complaint received 2024-04-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Paycheck Solutions llc (TX)

On XX/XX/year>, I entered an agreement with a company by the name of Paycheck Solutions. After a few payments I ran into a financial hardship due to a car accident that resulted in my vehicle and only means of transportation being totaled due to a drunk driver. I immediately explained the situation with paycheck solutions, and they allowed me to make one parcel payment, but was not given any other type of solution. I stayed in contact with Paycheck Solutions continuing to update them on my current situation and was told that there was nothing they could do. Paycheck solutions continuing to try and charge me even though I told them that the funds were not available. Without any type of court paperwork and or any type of notifications about wage garnishment, Paycheck solutions apparently sent my place of employment court documents with a case number to garnish my wages. I found this out two days before receiving my paycheck from a paycheck stub that is provided a few days before payment. After speaking with my company payroll department they said that there was nothing they could do because of the court order. I explained to them that I am unaware of a court order as I was never given information. I then contacted Paycheck solutions and asked them to provide the documentation that was provided to my employer and didn't receive the information requested. Instead they responded that they would send a release form to my employer payroll department and I could work out the payments with them. So, money was garnished illegally from my paycheck.
Consumer complaint received 2023-10-04
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: Experian Information Solutions Inc. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$20000.00}
Consumer complaint received 2023-10-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bell Global Solutions LLC (FL)

On XX/XX/2023 I started to receive calls from this company and when I answered the phone I told them not call me again. I have never received anything concerning a debt from this company before they started calling me. I had to look up what this company does. I have received XXXX calls from them at telling them on the phone " NOT TO CALL ME ANYMORE '', which under the law they have to. I don't ever want this company to call me again and if they say I have debt with them, tell them that they never sent me anything concerning before they started calling, as per the law, which they are required to do so. I have never been given the right to dispute any debt that this company is trying to collect.
Consumer complaint received 2023-10-02
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (WA)

I recently had a XXXX XXXX XXXX through Synchrony Bank. I refinanced my home and used the money to pay off my account. Synchrony would not give me an accurate amount that I owed for closing the account, so I sent more than needed. I have been attempting to get a credit refund from Synchrony for several months now. I made my payment in XXXX, and have requested my refund every 10 days since XX/XX/XXXX. Every time I call them, they tell me the account is flagged and they " will remove the flag and get you your refund ''. This has happened four times now. I feel that if I took three months to pay them, they would charge me a late fee or send my to collections. Now that they owe me, it is nothing but excuses. I let them know that I am a XXXX veteran and need the money for my medical bills, this may have made things more difficult as I do not know Synchrony 's stance on veterans. 

I have attached a " statement '' that is available on my account. It doesn't have any information on it, another example of Synchrony keeping me in the dark.
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

I usually pay my bills and dont really read through them. I admit it took months for me to notice the charges. My husband passed and I was just paying bills and didnt take the time to read through anything. A company called XXXX XXXX  got into what I think was my XXXX ( which is no longer used ) but it was linked to all my accounts causing a total nightmare. 
One of them being my Apple Card. 
I originally disputed the charges ( over XXXX $ ) and they were charged back almost three months later. I asked why they didnt ask for other info or anything. They just say they dont have to. The charges were redisputed and are still pending. 
I have sent the screen shots from my bank exc. where there was also fraud but they have completely frozen my card. Added all the charges back, are charging interest on them and still having me pay every month even though I am unable to Use my card. I have inquired as to what else they need multiple times and was told they have everything. They also keep reporting to credit agencies that I am over my limit. Im not over it even with the extra charges on there. Ive spent hours trying to resolve this with them and do not seem to be able to get any resolution. I know this violates the credit act. I keep paying bc I dont want them to damage my credit further. 
I dont know what else to do.
Consumer complaint received 2023-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LD Holdings Group, LLC (CA)

With Loan Depot, I had set up automatic payment and these payments were working. Then randomly they stopped doing automatic payments without notice. I missed two payments as a result. Once I realized I got current immediately and re-set up the auto payment. 

Once I got below 80 % loan to value, my PMI should have stopped, but they refused to stop it due to the loan payment issue. 

I had a literally perfect credit score, had mortgages since I was XXXX without missing a single payment or being late. Thats over 24 years of solid never missing payments and now they required me to pay more PMI. 

Its a total cost of {$270.00}, like them to refund this or else I will take them to court, but would like assistance pushing them to do the right thing and avoid court.
Consumer complaint received 2023-10-02
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. (NJ)

In accordance with the fair credit reporting act 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 XXXXXXXX, has violated my rights. 15 USC 1681 602 Section A. States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

My wallet was stolen on Friday XX/XX/XXXX around XXXX. Saturday when I woke up I noticed on my banks transactions that {$970.00} was sent to a XXXX name that I have no knowledge of. I then called my bank to put in a dispute and I was told that I would receive a temporary credit by Wednesday.
Consumer complaint received 2023-10-04
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. (SC)

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 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 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (CA)

First, nelnet processes my direct loan consolidation request with wrong loan amount, an amount that is higher than the amount in student aid.gov. Second, I applied to direct loan consolidation under SAVE plan which I qualified before and I have no other changes in any of my situations. I called agent twice, each needing to wait with 3 hour holds, which I cant really do that often as I work full time. Each time they could not tell me why I am not in the save plan even though they see me applying for save plan and I qualify for it. They could not do anything for me and just told me to wait and call again, which I am unable to keeping doing with a full time job. in the meantime the interest just keeps accruing under standard plan. I emailed them weeks ago multiple times with no reply. I need help because I am sure I wont be refunded with all these extra interest accruing and they are not helping me. It feels like they are scamming me with money. Please help
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I ordered some charms through XXXX. The charms were not delivered and I requested a refund for all the items. Since XXXX was taking too long to provide the refund I contacted my bank and requested a dispute. On XX/XX/, Citibank denied the dispute based on what XXXX claims is a venue made up of independent sellers. But on XXXX XXXX XXXX  XXXX agreed to refund the amount of the purchase but the credit never went through supposedly because I was disputing the charges with my bank. I have letters proving my claim. The original amount purchased was {$300.00}, but they did refund me back {$220.00} and I'm still missing {$73.00}. XXXX is stating that they can't provide me with the credit due to the bank dispute.
Consumer complaint received 2023-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (FL)

I moved to the US with my family in XX/XX/XXXX. As XXXX  without any credit or rental history, our apartment application was accepted with increased security deposit ( exhibit XXXX ). We paid the security deposit on XX/XX/XXXX using a cashiers check through Chase bank ( exhibit XXXX ). After XXXX year we decided to move out from this community. The community did not find any damages and hence on XX/XX/XXXX they sent us a notice about returning the security deposit minus remaining utility charges, totaling {$3000.00} ( exhibit XXXX ). Shortly after, they also sent us a check with the corresponding funds. I tried to deposit the check to my Chase account on XX/XX/XXXX at a Chase branch and I was told by Chase that the funds will be on hold for XXXX  business days. However, on XX/XX/XXXX I received a letter from Chase that both my checking and saving accounts got restricted and I could not use them ever since ( exhibit XXXX ). My bank accounts were eventually closed around XX/XX/XXXX. The reasoning provided by Chase is that they could not verify the issuer of the check by calling a verified phone number associated with the companies written on the check. However, the XXXX XXXX and associated XXXX XXXX firm claim to have their public records in order. The check issuer also claims that they can provide any documentation needed and that the authorized users of the issuing bank account are available to confirm any information needed, none of which Chase is willing to accept. None of this is helpful unless Chase gets a phone number that nobody understands how and where to update. Moreover, to my understanding, Chase has my {$3000.00} and will neither return it back to the issuer nor give it to me unless they verify the check issuer. Eventually, after about XXXX years, they say that they will send my money to the state/country. Clearly, the restriction of my accounts caused me a serious harm, they restricted all my funds and they refuse to return my {$3000.00}. Moreover, my salary from XX/XX/XXXX was not returned to the employer even though my accounts were not functional. As of XX/XX/XXXX I still have not received my salary as it is somewhere at Chase.