davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THE SYSTEM IS BROKEN,,, HOW CAN ONE BUREAU REPORT ONE THING AND THE OTHER SAY SOMETHING DIFFERENT. IT'S A VIOLATION TO DO THAT! THESE COLLECTION/CHARGE-OFFS ARE REPORTING INACCURATELY AND NEED TO BE REMOVE IMMEDIATELY. LATE PAYMENTS REPORTING AFTER ACCOUNTS BEING CLOSED. CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THIS ACCOUNT IS IN COLLECTION MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. REMOVE IMMEDIATELY. 
DATE LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED.INACCURATE ... ... ... VIOLATIONS!!!! INQUIRIES NEED REMOVING AS WELL. 
1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX
Consumer complaint received 2021-01-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a letter to XXXX, XXXX, and TransUnion on dates XX/XX/XXXX and another following letter XX/XX/XXXX. All negative activity removed from all three credit bureaus. XXXX, TransUnion, and XXXX  are not complying with their own policies in a timely manner. Also address and name should be updated only to XXXX XXXX XXXX ( always confirming middle intial ) XXXX XXXX XXXX. XXXX, NJ XXXX
Consumer complaint received 2017-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Hello, I was defrauded by someone from XXXX and my bank, chase, has not been able to help me. He stated he was selling tickets for a musical in exchange for {$400.00}. I transferred the money via CHASE XXXX XXXX and within 10 minutes of not hearing anything back, I immediately called Chase to help reverse the transaction. They could n't reverse the transaction and was told they would not be able to mark it as fraud as I had initiated the transaction. I have called the XXXX XXXX PD ( scammer " XXXX 's '' phone number ), XXXX XXXX PD, and I have put in an internet crime complaint in hopes that 1. There will be an investigation into " XXXX 's '' account and closed as he scamming victims. 2. I would like to get my {$400.00} back.
Consumer complaint received 2021-01-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc. (WY)

Contacted online support to request an Extended Payment Plan. When approved for payment plan, agent representative failed to disclose that payment had already been sent for processing ( a day before due date ). Agent and company approved my payment plan & I signed documents, for first payment due on XX/XX/XXXX. However on morning of XX/XX/XXXX, full payment amount was taken out. I contacted the company and they apologized for the inconvenience but said that there was nothing they could do. I immediately contacted my financial institution and requested an unauthorized charge claim.
Consumer complaint received 2021-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

Involved with a scam FTC report numberXXXX, Initiated a payment to XXXX XXXX - quick pay with XXXX XXXX Chase would not even file a case # - said too bad, you paid them your fault, I have never heard of anything like that Couldn't they have flagged it so I would have had to think about it for even an Hour. 

Amazon called said my account was hacked by unauthorized people in Ohio and XXXX so they walked me through the pages on amazon site to help me understand security They needed me to pay XXXX XXXX XXXX so they could initiate the refund - I recieved to email confirmations from them XXXX I know I was scammed and I feel XXXX Showing my age I'm XXXX.
Consumer complaint received 2017-11-18
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. (DC)

I have repeatedly reported to all three credit bureaus that I have never lived XXXX MD and I have never opened a PO box or had the reason to. I have lived at the same address for years. This inaccuracy has affected my ability to open a new line of credit because it 's being used as identifying information.
Consumer complaint received 2017-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Diversified Consultants, Inc. (PA)

I was in collections in 2013 with Diversified consultants, a collector for XXXX. 
Apparently it continues to show up as an unpaid debt with XXXX which is incorrect.
Consumer complaint received 2016-05-03
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (AZ)

I was contacted on behalf of Chase Bank by XXXX XXXX XXXX to collect on my outstanding debt. After an agreed upon settlement amount, I was told that if I made a payment over the phone with them through a check, my check would be written directly to Chase Bank and not XXXX XXXX XXXX. I had XXXX specify this. When my check was cleared through the banking system, the image of my check said 'Pay to the order of XXXX XXXX XXXX '. I still have not received confirmation from Chase that my balance was settled and paid in full with them.
Consumer complaint received 2021-01-23
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America, XXXX XXXX, Florida has placed false information on my credit report that has prevented me from getting a home equity loan from XXXX. They show unpaid credit card bills for charges I've never made on cards I do not have. They also show charges as unpaid that I paid in person at the bank. 
When I called the president 's office in Texas, the secretary simply hangs up on me. When a male friend called on my behalf the woman answering the call ignores his conversation and launches into a chat about her children ... anything unrelated. 
When I call the Bank of America number supplied on my XXXX Report, one person tells me they'll take care of it, that it's fraud, when I call back another demands I pay the charges I didn't make. 
I spoke to my niece in NJ and she tells me about a similar experience. I think Bank of America should be investigated and major changes made. My attorney suggested I try first to work things out with the bank.
Consumer complaint received 2017-11-16
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. (CA)

Credit Reporting Agencies continue to report XXXX Collections ( a debt from XXXX ) on my credit report for approx. {$190.00}. XXXX never verified the debt and it should hence be removed ty the CRAs. Thank you!
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

I have 2 grievances with Citibank. 

1 ) I applied for a mortgage refinance with a cash-out option at the end of XXXX, with Citibank. I sought an amount of XXXX cash-out on a Single Family Residence ( SFR ) valued at approximately XXXX with an existing loan pay-off of XXXX. XXXX While my estimate of SFR value at the time of the application was XXXX, the difference in the 2 amounts is not at issue here ). 

At issue here is this : Today, XX/XX/XXXX was the first time that I was advised by Citi that the current maximum amount of cash-out during refinancing is {$250000.00} -- which is their a policy that, reportedly, went into effect as a risk management step during the early part of XXXX when COVID-19 became a global pandemic. 

My grievance is that 2 months had gone by since the application was started in XXXX, and at no time was this limit ever disclosed to me until today, XX/XX/XXXX. Furthermore, it is NOT published anywhere on Citi 's public-facing websites or documents provided to me. 


2 ) First point notwithstanding, also today I was advised by receiving a copy of an updated loan estimate, advising me that my loan application would no longer reflect XXXX ( ZERO ) points. Instead, it would reflect 0.625 % points with no written justification! 

I am concerned, and, frankly, baffled how a bank of Citi 's stature can provide a document ( attached 2 versions ) with a silently-updated point value as compared with XX/XX/XXXX XXXX when it had been 0 % ), whilst AT THE SAME TIME act illogically and sow confusion, knowing that their cash-out amount can not exceed XXXX! 

No such limits are published on Citi 's website nor were communicated in any of direct communications to me, the applicant. Being of material nature this information is crucial. Lack of such transparency and failure to make this guideline known has contributed to valuable time being lost by my family in pursuing a seemingly unattainable outcome. 

I am requesting a review of this matter by an unbiased individual ( or group of individuals ). I welcome learnings and feedback if my understanding and expectations have been unreasonable.
Consumer complaint received 2016-02-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (FL)

I purchased my House in XXXX XXXX with an FHA Loan, I started making my payments of {$1600.00} and everything was going well till I got a letter from Caliber Home Loans last month saying that we have a Shortage in the Escrow Account of {$3800.00} and that our payment is going up to {$2000.00} by XXXX XXXX, XXXX due to this Shortage. The problem with this Shortage is that they are trying to include in the Escrow Account, not only Taxes and Insurance which is the normal, but also Mortgage Insurance when that was never Disclosed at closing, nor was it disclosed in the HUD-1 at closing or any where in the Documents we signed. I have talked to the Mortgage Broker we had the Closing with, I have talked to different Mortgage Professionals and they have looked at all the closing Documentation and tell me that has to be a mistake because the Mortgage Insurance is a Premium that was added to the Loan Amount and even though we have to make monthly payments on it they are not to be included in the Escrow Account and they do not need to have reserves for that, this is not an FHA Policy and this Lender wants to do it because they want to. 
I tried talking to the Escrow Department at Caliber Home Loans a few times and they say it is right there at the HUD-1 and we signed for it, but that is not true, when you look at the HUD-1 it says that Taxes and Insurance are to go in the Escrow Account not Mortgage Insurance. 
We really need to have this resolved, we can not afford that monthly payment and that is going to result in us losing the House. Please help!!
Consumer complaint received 2017-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XXXX XXXX XXXX three withdrawals were made from my USAA checking account using an ATM card. Others were attempted, but refused as my daily limit had been reached. USAA reached out to me by text, automated phone call, and internal messaging inquiring about these withdrawals. In all cases I stated the withdrawals were fraud. I had not visited the state where the withdrawals occurred, and had my debit card in my possession. No one is authorized to use my card officially or otherwise, and I only use the card for foreign transactions. I have never provided anyone outside USAA my PIN. 

Since my declaration that these transactions were fraudulent, I have tried on numerous occasions using the USAA App or phone to officially dispute the charges, to trigger an investigation and ultimately funds restored to my account. The App could not process the disputed withdrawals. When I talked to banking personnel beginning XXXX XXXX, and approximately five subsequent phone calls, they said they could not dispute the transactions within the USAA system either. They then transfered me to the USAA Fraud section. I reached the Fraud section once ( XXXX or XXXX XXXX ), and they noted that no fraud case had been opened for my transactions. After XXXX minutes, my call dropped. The XXXX other times I called, I was referred to Fraud, but the call would drop before I was able to talk to them. At least two times my waits were for more than XXXX minutes. On XXXX XXXX, I asked that my issue be elevated. I was put in touch with an Executive Resolution Specialist. She said my transactions had never been noted as fraudulent, and no investigation had been opened. She said she marked the three withdrawals as fraudulent, and that by XXXX XXXX, my funds should be restored. I pressed, based on past experience, for some documentation or other assurance that USAA had actually acknowledged my dispute of these fraudulent transactions. She said she would call back after confirming with Fraud. After about an hour, I received a call that hung up before I could answer. I called back to the Executive Resolution section. The new specialist read me the notes, saying USAA COULD NOT RECORD MY DISPUTE. They had an IT issue, and it would take until XXXX or XXXX XXXX before they could record that I disputed these fraudulent charges. I said this was unacceptable. I requested to speak to the next level of supervision, preferably an officer of the bank. The Executive Resolution Specialist said no Managers were currently available, but one would call me back by the close of business XXXX XXXX No one called or left any trace of trying to contact me by phone, text, or internal messaging. 

Withdrawals were for {$50.00}, {$50.00} and {$500.00}
Consumer complaint received 2018-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2018 I mailed out a validation letter certified mail for the credit company XXXX XXXX to validate not verify info about this debt and the only thing they mailed me back was a bill. I specifically asked for a signed Aggrement and other supporting documents. They provided me with billing which doesnt provide that Im obligated to pay them anything. They have reported delinquent info that reporting to all 3 credit bureaus that Im asking to be deleted.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid 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: Paypal Holdings, Inc (IL)

On XX/XX/2020 I bought a airline ticket from XXXX website using my XXXX Credit Card and Pay Pal for {$850.00}, after few days on XX/XX/2020 I got a email from XXXX stating my part of the flight was cancelled so I called them and requested to process the refund back to original payment method and they told it'll take up to 30 days or so, then after few days XXXX did a partial refund for {$380.00} on XXXX so I tried calling them few times after the 30 day window and never got any help for the balance refund. So I've filed a dispute with my credit card company XXXX and they started the investigation and issued me a credit for the balance amount {$460.00}. Recently when I was checking my PayPal account I saw my account was now negative for {$380.00} and then I reached out to Pay Pal and what they are stating was my financial institution ( XXXX  ) did recover the money twice so my account balance was negative now, so I reached out to XXXX  and after explaining the issue they are saying they only recovered the balance money which I filed a dispute for and that was already applied to my account and I can see that on my statements. So then again I reached out to Pay Pal with all the screen shots from the conversation with the bank and they now said they can't help me with this and I need to pay the negative balance to use my account. From couple of days I tried calling Pay Pal multiple times but every time I request for a agent after few seconds I'll get a response that they can't respond to me on the phone *disconnects the call. * To this moment I tried to reach out to evary person from Pay Pal and XXXX and tried if they can raise a ticket to enquire about this and resolve this matter and no one seems to help me
Consumer complaint received 2017-11-18
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: Experian Information Solutions Inc. (MO)

After looking over my report and complaining of late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I enacted my rights to COMPEL the credit bureau as REQUIRED, to MANDATE the alleged data providers of notated UNPROVEN derogatory suggestions of late payments and requested that they surrender to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore I even requested that the accusing data provider to present their most upgraded Terms of Service Agreement that outlines payment reconciliation. As I am positive that the bureau was aware as a injured consumer unjustly mind You that I am lawfully within my consumer right to ask for any and all of the above demands under the terms of the FairCredit Billing Act of 1975 FCBA. AS the official notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is eithet or all of the following. So They were informed by me that they must ANNUL by REMOVAL of any DEROGATORY and or adverse and yet UNPROVEN claims be it an account or an aspect of that account and delete the foul misreporting and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else for the following : 1. XXXX XXXX several late pmts 2. XXXX XXXX-several late payments
Consumer complaint received 2021-01-22
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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (TN)

I filed a dispute with XXXX, XXXX, and XXXX  about incorrect items being reported to my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

On or about XX/XX/XXXX, I notified all three major credit bureaus ( Equifax, XXXX, XXXX XXXX ) concerning invalidated information that was reported on or about XX/XX/XXXX with XXXX - XXXX XXXX XXXX XXXX  and that I owed two medical seperate collections ( {$2100.00} & {$4000.00} ) that had been paid to the original creditors on or about XX/XX/XXXX ( See attached letter from Attorney XXXX XXXX. 

On or about XX/XX/XXXX, I responded to XXXX - XXXX XXXX XXXX XXXX by letter stating that the said collection of the two medical debits have been paid and requested that their claim was disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ). I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you, made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

Instead they responded back providing a verification or proof of my mailing address, but not as I requested for VALIDATION of the said two separate debts and has continued to update the three major credit bureaus ( Equifax, XXXX, XXXX XXXX ) every month or two that they have had contact with me and keeping the date current. Informing inaccurate or invalidated information to the credit-reporting agencies is not correct and derogatory, has continued to this date, has negatively impacted my credit report. 

I have submitted three different letters to all three major credit bureaus ( Equifax, XXXX, XXXX XXXX ) stating that the debit is not validate and should have never been on my credit report. To date all three major credit bureaus ( Equifax, XXXX, XXXX XXXX ) have not updated nor removed the inaccurate and invalidated information on my credit report but they have updated XXXX - XXXX XXXX XXXX XXXX reports and negatively affected my credit continuously.
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I have had my checking account with JP Morgan ( Chase ) for over 20 years. I also have my company account with them as well, as well as my parents are a cosigner for the company with me as well. 
My parents gave me a few checks for XXXX, I deposited them into my account. Instead of holding the checks until the checks cleared, they locked down my account. So, all my automatic payments, automatic deposits, checks that I have written were all voided and did not go through. There was no email or phone call notifying me about this lock out on my account. 
I did after weeks of trying to find out why this was done, get someone in the executive office to return my call. They mentioned that when I signed up for my checking account that they reserve the right to lock down my account anytime they want. 
This obviously was not the answer I was looking for - I asked why they did not wait until the checks cleared - I never expect to get access to the check ( money ) until they clear, but the {$60000.00} in my account I felt like it was wrong to lock me from my money. 
They have not confirmed that they will pay my fees and late payments, I have to compile a list and send them all of the fees and they will look into getting me reimbursed. 
I think this practice of arbitrarily shutting down an account should be a violation, this was not money leaving my account ( which I can understand ) but money coming into my account - It should be the responsibility of the bank of the check that is being deposited. 
Please see if this abuse of power can be corrected. This should never happen to anyone. 
Knowing Chase ( JP Morgan 's ) position, I will have to move my account to another bank - I can't imagine the nightmare that would happen if they locked down my business account. I shocked that they have this kind of power to wield and I am powerless to get access to any money in my accounts for over a week.