davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX I sent out 2 transfers the first for {$1.00} then the second for {$99.00} both transactions were completed and received by the correct recipient. 

On XX/XX/XXXX I sent {$300.00} to the same recipient from my chase app using XXXX. This transfer was also completed however the money was never received by the recipient. I then filed a claim with Chase and was issued a temporary credit while the conducted an investigation. 

On XX/XX/XXXX they completed their investigation and issued a claim reversal deducting the {$300.00} they credited me. I then called Chase and spoke to their claims rep, I was told that the claim was denied because the funds were received. I told the rep that I have the recipients bank statements showing the 2 transfers that were received but not the {$300.00} transfer. This rep suggested that I send over an proof that I could provide via FAX or have someone at a local branch submit it. I went down to the local branch spoke to a banker and had her fax the documents. A week went by with no action being taken by chase, so I called back to follow up. I was then told that it was still being denied but they couldn't give me a reason for the continued denial. I asked to speak with a supervisor and was told that someone would give me a call in 1-2 days. 3 days had passed so I called them back. The person I spoke with was not a supervisor but explained to me that the person who received the transfer was XXXX XXXX to which I told them was not the correct recipient and requested they do a chargeback which they refused. 

As of today, I still have not received a refund on this transaction and have been told by the bank that there is nothing they can do about it. 

I'm attaching a copy of my bank statement, the recipients bank statement and a printout of the XXXX  activity list showing the recipients contact info. I highlighted the transactions in question on both bank statements.
Consumer complaint received 2021-03-23
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: Navient Solutions, LLC. (TX)

My loan was protected under the XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX. Navient reporter my account late for 90 days in XXXX of XXXX. I disputed the late payments and nothing has been corrected. I have an federal loan through Navient. My loan has also increased during the XXXX XXXX.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, 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. (CA)

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I went into XXXX XXXX two and a half weeks ago to purchase a car And I needed a co-signer so I asked my friend XXXX XXXX to co-sign for me. XXXX put the whole car contract in her name without permission they also lied to me about everything the monthly cost of the car note, the place I was signing on the contract. They refused to let us see the contract they told us to come back when the bank was open to pick it up. They just had a lot of fraudulent practices. my friend and I went in there to return the car and they refused. She called your company who was willing to terminate the lease and the guy at XXXX who gave your representative and us several different names refused to terminate the lease. This whole ordeal was fraud. I never received a contract to date. The car needs repairs, and I was told that the car payment would cost me {$530.00} a month, it wasnt until XXXX asked for the contract from your company that showed me a payment that I can not afford. XXXX is saying you changed the amount to $ XXXX per month. I can not afford the vehicle at that rate, and its wrong for the contract to be in my friends plus she doesnt work, and I do not want her credit to be impacted her name she not be in the loan and she doesnt have access to the car or drive it. I am begging you to terminate the contract.
Consumer complaint received 2021-03-23
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: Experian Information Solutions Inc. (PA)

I have sent a letter to the 3 bureaus but they didn't respond anything. 
These are the accounts that I have disputed with the bureaus. 

XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX
Consumer complaint received 2021-04-28
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?
Consumer complaint received 2021-03-23
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. (TN)

Sir, I am XXXX years old and a Veteran. For the last several years I have paid ALL of my bills with the Bank 's ( XXXX XXXX XXXX ) " Auto Pay '' system. I have always set the Auto Pay at 2 to 3 times larger than the minimum amount of the bill. Recently I notice that one of my two bank credit cards had 5 fraud charges on it. This card has never been out of my possession. I confronted my Bank and they checked and found that all XXXX charges were frauds. They said they would retrieve my money from 4 of the 5 fraud charges. However, they told me that because I didn't spot them giving my money away for 85 days on the 5th fraud that they would not do anything about it. They said that it was their policy to not do anything about a fraud that was over 85 days old. So I changed Banks to XXXX XXXX XXXX. I paid off the balance on both credit cars from XXXX  XXXX XXXX. 
I tried to get one credit card from the new bank. They turned me down saying that Equifax had told them that I had " Multiple Seriously Delinquent Accounts '' so I contacted Equifax to see this report and got no response in a couple of weeks. So I called them and they sent a report to me in a week but two reports arrived on the same day. In the report was only one company claiming past due payments. ( $ 60+ ). This company was XXXX XXXX. I had canceled their service due to them changing my phone service several times without my approval so I talked to an attorney and he advised me to pay with a check, not a credit card, and to write on the check " Paid in Full '' after their agent at their outlet store told me the total of my bill as I cancel the service.. This $ 60+ bill was put on my account AFTER I had canceled the service and paid it in full. I have sent letters to Equifax about this and they will not respond.
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (CA)

Today XX/XX/XXXX a man called from a private number and said that they tried to deliver something with a signature to the home address. So, I needed to call XXXX XXXX XXXX and give account number XXXX. 

I've been expecting a package from XXXX XXXX XXXX so I called. 

A guy answered XXXX XXXX and said that there was an overdraft of more than {$900.00} in XXXX that now was up to $ XXXX with US Bank . If I didn't settle they would go to court. The checking account ended in XXXX. 

They had the home address, birthdate and last four. 

I have never had an account with US Bank. So I went to a local branch and spoke to XXXX XXXX NMLS ID : XXXX. She suggested I call the central office XXXX XXXX XXXX.
Consumer complaint received 2021-08-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I sent a violation letter to Portfolio Recovery Associates on XXXX for them to take action because they are in violation of my consumer rights through the FCRA and FDCPA. They responded on the XXXX of XXXX with a letter through them mail saying they would have this account deleted. They should have never reported the account in the first place. They knowingly and willfully violated my natural person and consumer rights and through their violations I am owed compensation by federal law. They have harassed me over and over and over again and it will not be tolerated.
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (AZ)

Obtained Synchrony Bank credit card in XX/XX/XXXX, used it once XX/XX/XXXX, paid bill in XX/XX/XXXX. Card charged with {$190.00} in XX/XX/XXXX, I immediately filed a dispute. Synchrony says the product was ordered and sent to my address. I did not order anything on this card. I have filed a police report regarding this issue at the request of Synchrony bank yet they refuse to remove the card. I have told them that unsolicited merchandise pursuant to Federal Code US 3009 can not be billed to my card and I am under no obligation to return anything received. I did not order this merchandise and I did not receive it.
Consumer complaint received 2021-08-24
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. (OK)

I have tried, unsuccessfully, for many years to get all three credit bureaus, XXXX, XXXX  and Trans Union to eliminate false/fraudulent information off my credit report. I even paid lawyers to try to help, see attached. They stonewall, refuse to respond or simply will not remove the false information. They are paid by the companies, so they just keep it on, KNOWING it is fake, KNOWING they can not produce and legal documents showing the fake accounts are mine. I have tried in XX/XX/XXXX, XXXX and XX/XX/XXXX, again in XXXX of XXXX. Then in XXXX of XXXX and XXXX of XXXX. No matter how many letters i write, demands via attorney, proof I was hacked as part of a XXXX data breach, they will NOT remove the false information.
Consumer complaint received 2021-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have sent certified letters to each bureau to correct the issue reflecting on my credit report as being late. I have NEVER BEEN LATE. Here are the accounts : XXXX XXXX XXXX # XXXX shows late XX/XX/XXXX. 
XXXX XXXX XXXX # XX/XX/XXXX, XXXX XXXX Shows late. XXXX XXXX XXXX Belongs to my ex-husband and NOT TO ME!
Consumer complaint received 2023-11-16
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service (VA)

Per the SCRA ( Service Members Relief Act ) more specifically the Ohio Law ext 164 notes that Ohio extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. I am a Ohio resident and my place of entry into XXXX XXXX was Ohio.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I applied a Capital One credit card around XX/XX/XXXX and got approval instantly. Once I set up the app I noticed the {$95.00} annual fee was posted on the 2nd day. Then I realized that the card was suspended and was told that I need to submit additional documents for manual review. I did and after numerous following up I found out in XXXX weeks the account was already closed by a mail dated XX/XX/28. I tried to dispute the decision but they insisted the decision was irreversible. I accepted it although I have every reason to believe it was an unfair treatment and can support with solid document evidence, as I realized how frustrating it was to deal with a company with no customer service at all. 

The problem is the {$95.00} fee was still there, for an account stayed active for only ONE DAY! I contacted them and was told it would be credit back on next statement date. However, instead of reversing/crediting back the annual fee, it started accumulating interest. That totally leaves me speechless. I called again last night and after being transferred many times, a lady claimed to be the highest rank for phone communication section told me it was not reversible and they could do nothing about it. You may choose your customer, but it is not making any sense to charge an annual fee for an new account only existed for one day and closed by the creditor using unsupported reason!
Consumer complaint received 2020-01-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I received a phone call on XX/XX/XXXX from SLS Specialized Loan Servicing llc Specialized Loan Servicing LLC XXXX. XXXX XXXX XXXX, CO XXXX XXXXcustomer care Telling me I owed them over XXXX on my equity line of credit. We didi a loan modification 7 years ago and we thought it was all combined into one as no one ( XXXX  XXXX XXXX ) never said anything to us about the equity line of credit. They said they had mailed a letter back in XX/XX/XXXX. I told them I never got the letter and never received any bills or phone calls from them until today. Needless to say I found out from HUD that XXXX  XXXX XXXX had sold our loan to a debt collector listed above. I was stunned. as we had had no contact for like 7 years. no 1098 forms nothing.. Right after the phone call I received a demand letter or they would foreclose in XX/XX/XXXX. They offered us a loan modification and required {$9600.00} down by XX/XX/XXXX. along with the 3 trial period payments we would have to make for XXXX, XXXX XXXX. Which we did. {$330.00}. They mailed us a contract to sign, notarize and mail back which we did and it said our first payment was due XX/XX/XXXX which we sent on XX/XX/XXXX. We were finally able to set up an online acct to which I tried to access our statements and could not. They emailed me a form because of our bankruptcy back in XXXX which allowed them to send us statements. ( WE get statements from our mortgage with no problem ). 1 month goes by and no statement. I called as I had received an email XX/XX/XXXX that they had received my email and it was under review. No one called or emailed me back saying the attachment was not with the email. XX/XX/XXXX I called requesting my statements again. Again the form was emailed and we both signed it and attached it to an email and sent it back on XX/XX/XXXX. I called a few days later to verify they did have it, yes it's in the system and it will take a week to get a statement generated. I was told I would only gets statements from the time the letter was signed. I said no way I want statements from the beginning of the loan as nothing is showing my down payment, principal or interest being paid. The online account shows only {$59000.00} balance and yet our loan papers {$80000.00}. The loan modification is like 11 pages all written out in paragraphs and very confusing. They use the terms 480 terms left and yet it is suppose to have a balloon payment XX/XX/XXXX. I want to have statements as i have no idea what my current balance is or how much of my payment is going to interest or principal. Is the lender not required to give a client monthly statements showing their payments? I also called XX/XX/XXXX requesting statements again and so far I have not received any in the mail or online. The account # XXXX for XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2020-01-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (WI)

I opened a Platinum Checking and Money Market account with BMO Harris Bank ( Address : XXXX XXXX XXXX XXXX, XXXX, WI XXXX ) ( Phone : ( XXXX ) XXXX ) on XX/XX/2019. I completed the requirements of the ongoing promotion which said - 1. Get a {$400.00} bonus for completing the following activities with a new checking account in the first 120 days a. Have a total of at least {$6000.00} in qualifying direct deposits. 
b. Enroll in BMO Digital Banking and set up paperless statements.

c. Make at least 10 qualifying electronic transactions.

2. Get a {$200.00} bonus when you open a Platinum Money Market account, deposit at least {$10000.00} in new money and keep it for 90 days.

3. Get a {$100.00} bonus just for opening a checking account and a Platinum Money Market account While I got {$400.00} for the checking account but I did not get the promo money {$300.00} for point 2 ( Platinum Money market ) and point 3 above. When I enquired I got to know the banker applied promotion only for the Checking account and forgot to apply promotion for the Platinum Money Market account. Subsequently I had several communications ( telephonic and personal visit ) with the banker and the bran
ch manager at the branch. They agreed to their mistake and said besides me there were around 4 -5 more people affected.
They wrote to higher ups and are still awaiting an approval for manual payout since the promotion period had ended.

I also followed with online BMO customer care and they too accepted the mistake and regretted it. But told me that only the Branch where I opened the bank account can rectify the mistake and release the pending {$300.00} promotion amount.
Consumer complaint received 2023-11-16
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NC)

My Car Credit Account spending limit was reduced. The account was opened in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the original credit limit of {$1700.00} was reduced to {$1100.00}. I used this account for a car repair. 

The letter I received stated I had a lack of real estate and other reasons that were present when the gave me this account.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

CFPB case : XXXX. 
Wells Fargo Case : XXXX Received response and this is absolutely insulting. I adamantly do not except an extension. This has been going on for 6 months now and 3 different officers from the executive branch have been delaying the outcome. Wells Fargo is trying to cover its tracks for inside fraud or negligence. They have such a flagrant disregard for customers financial protection and using the delay tactic to force the customer to give in and drop the issue. DO NOT ALLOW AN EXTENSION!
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (CA)

I am writing to request the removal of late payment entries associated with my account. I understand the impact of accurate credit reporting on my financial standing and am seeking your assistance in rectifying the information on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the XXXX XXXX XXXX XXXX  customer service representative. I recognize and take responsibility for the late payments. While I understand the importance of adhering to payment schedules, I believe that the removal of these late payments would better reflect my overall creditworthiness. I am aware that your company follows certain policies and procedures, and I am prepared to provide any necessary documentation or information to support my request. If there is a formal process for disputing or requesting the removal of late payments, please guide me on the steps required.
Consumer complaint received 2020-03-16
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: Experian Information Solutions Inc. (FL)

The accounts is not belong to me or any transaction made by me. Please removed account which I did not open. 
lease investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.
Consumer complaint received 2024-08-24
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. (MI)

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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted :