davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-24
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: JPMORGAN CHASE & CO. (CA)

Sir/madam : Re : Chase Bank Visa credit card # XXXX I was vacationing in XXXX XXXX, XXXX when I developed an XXXX and decided to checked in to XXXX Hospital. I was treated and they did other procedures like XXXX that in retrospect I suspected that it was done to increased their medical charges. I was released after 3 days. <P/>To our outmost shocked, I was billed for {$62000.00} in our Chase Bank visa credit card and Chase Bank accepted their charges. We now owe Chase Bank an additional {$62000.00}. We have just received a billing statement from Chase Bank Visa credit card that we now owe them this amount. My visa credit limit is only for {$15000.00}, but Chase Bank billed me way beyond my credit limit. <P/>The XXXX XXXX XXXX in XXXX cost only {$21000.00}. This hospital charged me {$62000.00}, three times of what a patient would pay for an XXXX XXXX XXXX. An XXXX treatment in XXXX would only cost a couple of thousand dollars. I was victimized like other American tourists in XXXX that needed some medical treatment. <P/>Chase Bank is not giving us any protection at all ; because XXXX Hospital could have charged me {$100000.00} and Chase Bank would just go along with it. My wife and I are both retirees and depending on our XXXX pension for our daily existence. We are on a real budget to survive. We saved many years so we can afford a vacation to XXXX. <P/>We can not afford to pay this humongous bill. We just ca n't. The monthly interest and principal on this amount would be around $ 600.00- {$80000.00} a month. There is no way we can pay it. The most we can do is pay this hospital to the maximum limit of our credit card. Prior to my checked in to this hospital, our credit card balance was XXXX and we still have {$8000.00} that we can spend. We are willing to pay the whole XXXX to XXXX just to go on with our life. <P/>Please help to right this unjust charges being imposed on us by Chase Bank. We appealed to them but they refused to listen to our side. They are a XXXX company and they should show more concern of the welfare of their customers and not treat them as trash. They should also be aware of the abuses of hospitals in XXXX to American tourists needing some medical treatments. <P/>Sincerely, XXXX & XXXX XXXX Email address : XXXX Address : XXXX XXXX XXXX, XXXX, Ca XXXX
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

The Consumer Financial Protection Bureau ( CFPB ) helped me with having my Bank of America account ending in XXXX reported by XXXX and XXXX ( thank you! ). Upon reviewing the credit report, however, the High Credit balance is being reported as {$14000.00} ; but my credit limit has never been above {$13000.00}. I spoke to XXXX at Bank of America on XX/XX/XXXX, and he confirmed my credit limit was increased from {$10000.00} to XXXX on XX/XX/XXXX. He could not locate a high credit balance of {$14000.00} from XX/XX/XXXX to the present. He stated I would need to start a dispute with XXXX. I submitted a dispute with XXXX the same day ( XX/XX/XXXX ) under confirmation number XXXX. XXXX responded on XX/XX/XXXX with dispute results ( attached ) indicating Bank of America verified the high credit balance is being reported correctly. XXXX also indicated additional questions should be directed to Bank of America. The XXXX dispute report includes Historical Account Information listing a " High Credit '' balance of {$14000.00} dating back to XX/XX/XXXX ( i.e. XX/XX/XXXX ). I could not have had a high credit of {$14000.00} in XX/XX/XXXX because my credit limit was only {$13000.00}. Bank of America would have had to provide some type of waiver for me to exceed my credit limit. Also, per my previous discussion with the Bank of America representative, no {$14000.00} balance exists on my account dating back to XX/XX/XXXX.
Consumer complaint received 2016-09-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Between XXXX and XXXX I was charged excessive overdraft fees. Some of those fees were transfers to my own Bank of America checking or savings account. Over {$450.00} in fees. I would like a refund of those fees in full. Why? Because Bank of America advertises this service in which you are supposed to get notified immediately when your account is overdraft so you can take appropriate action. Usually, if you put money in the account within a few hours you avoid the fees. However, these notices are not coming to my email or text until at least 24 hours after the fee has been charged. The service is advertised to help you " avoid '' fees. Well, how can I avoid fees if I 'm not getting the alerts. By the time I checked by account I was already {$300.00} in the " red '' just from overdraft fees alone. I am a XXXX and I do n't make much that 's why I have these alerts so I know when I 'm missing money but I ca n't do anything when {$300.00} are already gone. I want all my excessive fees refunded from the time period of XXXX. 

Thank you.
Consumer complaint received 2016-11-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc. (FL)

I recently pulled my credit on XX/XX/2016 and found a debt with CMRE for {$180.00} I do not know what this is for and have sent XXXX letters XXXX which where certified asking for validation evidence bearing my signature showing I had any contractual obligation tide to such debt. I tried finding CMRE only to find that they are not licensed in the state of Florida to collect for any debts in this state. They failed to abide by FDCPA 807 ( 8 ) they had 30 days to contact the credit bureau and dispute they waited 60 days it was deleted than just added back on. They have now violated federal law by not properly investigating within the proper time frame and I have evidence of this via certified mail receipts. I am considering small claims court but I thought I would do this first since the debt will expire on XX/XX/2016 anyway. However should they not take immediate action and delete with the credit bureau. I will sue for XXXX for 1 ) defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting act. FCRA 623 ( a ) ( C ) {$1000.00} per occurrence This is effecting my credit negatively and has been humiliating and emmbarasing. The state will fine them as well. It would be foolish to ignore me I have kept excellent records with all communication for the purpose of filing with the FTC and XXXX office regarding all non-compliance of Federal laws. Thank you for your help.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year>, we had a phone call from a " Bank of America Credit Card Processor '', whom asked for service dept and once transferred, stated there were some transactions that didn't refund back to customers correctly. Our now previous employee was instructed to manually input those " voids '' as credit refunds. He manually refunded 5 credit cards that equaled to be {$5300.00}. I, XXXX XXXX was called from Bank of America as a courtesy to notify of these returns as it was suspicious. Those transactions were not from customers to begin with so we are unsure how it let us refund what was never given in the first place. We talked to Bank of America and we finally came to a conclusion on getting our money back. They said we will not be charged that money and the account is under restrictions until further notice. We were in fact charged that money the next day and after we called they said it will return in 24 hrs, but it hasn't and said there ' nothing they can do to return money to me.
Consumer complaint received 2016-03-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (NC)

On XXXX XXXX I called my branch bank in, XXXX, NC XXXX, to make a stop payment on the business called XXXX and the amount of {$330.00}. I was charged {$36.00} for the stop payment and the the business still removed {$330.00}. Now I am being charged {$36.00} for over draft! I had to give the information three times and still she did n't stop the withdrawal. 
.
Consumer complaint received 2016-04-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (MD)

GE Capital Retail Bank/Care Credit made payments to XXXX XXXX XXXX XXXX, XXXX that I did not authorize. In the amount of {$6000.00}. Might be a little more. 

XXXX XXXX 's Office would submit invoices to Care Credit without my knowledge and without any evidence that I had set foot in his office after XXXX 2012. The office would periodically make request for an increase in credit line. See attached.
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (SC)

Nationstar has been charging me late fees and calling me saying my payments have been late for two years, from the very first payment!! My payments have always been on time, early or in the grace period and I have written proof from my bank. Nationstar owes me late fees with interest and credit for my on time payments. My credit has been adversely affected, and I had to put up with their multiple daily calls while dealing with my husband XXXX from XXXX in 2015. I did n't have time to deal with this then, but I do now. None of their representatives would help at all until I told them that I was filing a complaint with the CFPB. Side note : Their representatives are very difficult to understand and not accommodating, treating me as a deadbeat. Worst experience ever in the worst time of my life. Now I have XXXX and this is the last thing I need to deal with at this time of my life. 
Thank you for your help resolving this matter.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

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

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 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-10-08
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. (NY)

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Trans Union Consumer Solutions XXXX, PA XXXX ATTN : Legal Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) as well as FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers - Information Available to Victims XXXX ( XXXX ) ( XXXX ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate. 
2. ACCOUT NAME : XXXX ACC BAL : {$100000.00} This account was charged off listed with wrong balance please delete error 3. ACCOUNT NAME : XXXX ACC. BAL {$1700.00} no proof of contract collection trans error please delete. 
4. ACCOUNT NAME : XXXX ACC BAL : {$73.00} I have never done business with this company error please delete.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CO)

I have been repaying my federal student loans since 2009 and was told I earn interest everyday and none of my monthly payments go to the principal just to the daily accruing interest. I owe as much now as I did in 2009.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

In response to CFPB complaint - XXXX - XXXX, My name is XXXX XXXX a Federally protected consumer, and Im making this XXXX against Capital One for violating my rights I did not receive any notices prior to XX/XX/2023. Capital One stated that after performing their review they believe the account belonging to me was verified because my SSN, and date of birth they have on record. But the reporting of a negative item as per 1681s - 2 ( 7 ) requires a notice be sent to the consumer, this notice must be sent before, prior too or not later than 30 days after furnishing the negative information to the Consumer Reporting Agencies as described in section 1681a ( p ) of this title. Also pursuant to 15 USC 1681s-2 ( 8 ) ( E ) Duty of person after receiving notice of dispute.Ive never received the notice prior to the furnishings of this negative item can provide me with the tracking number with use of my intellectual property, my signature. 

Iam here requesting, under Rule 1002 and in good faith proof that notice was sent thats number one and number two when was the notice sent? And the address? The notice was sent to. Regarding of the furnishing of this negative information. Upon the receipt of the documents herein and of this notice. You are hereby Notified Pursuant UCC - 1 - 202f. Your prompt Attention and response are both requested and required. Capital one - XXXX, XX/XX/2023 Sincerely, XXXX : XXXX-
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$160.00} XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (OR)

My problem is the interest calculation for a mortgage loan in the final weeks before a payoff. 

I took out this loan in XXXX 2016 and made regular payments ending with my regular payment on XXXX XXXX, 2016. I have no problem with the servicing of this loan through XXXX XXXX, 2016. Starting on XXXX XXXX, 2016 I began making a series of additional payments with the intent of paying off the mortgage in early XXXX. I am making the final payoff as using the payoff amount requested by Franklin American this Friday XXXX XXXX. I dispute this amount. I am paying it in full at this time, but am asking for a review of this amount and a refund if they have made an error. 

Basically, I can not understand the interest calculation for the period following XXXX XXXX through the final payoff on XXXX XXXX. In particular, my Franklin statement shows that a portion of the payment I made on XXXX XXXX is allocated for interest. This amount of {$890.00}. I do not understand their reasoning. I talked to a representative on the phone before making this payment and was told that the entire payment would go towards principal reduction since I had already made my regular XXXX payment a day earlier. Then to my shock I looked at my account and saw that {$890.00} was credited for " future '' interest in XXXX. This premature calculation of " future '' interest is absurd as the loan will be fully paid off long before then. I think the interest calculation should be based on the actual principal owing at the end of the month, not some hypothetical " future '' assumed principal. 

I attempted to explain this to a Franklin representative on the phone and was not able to get her to make an adjustment or get her to provide documentation or a calculation showing their methodology. 

In my opinion I have now overpaid this loan. I am not sure of the exact amount, but estimate that it is on the order of {$700.00}. I request that you compel them to do a proper interest calculation, furnish this calculation to me, and refund the appropriate difference to me.
Consumer complaint received 2024-09-03
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. (WI)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

On XX/XX/17, an inquiry from XXXX XXXX XXXX hit my credit report. I do not recognize this, as I did not attempt to open a new credit card. I immediately attempted to call XXXX, however, for my surprise, my SSN was never recognized by the bots, and therefore, I could never get to a human being to help me with my issue. Note : I am a XXXX customer, I do have one of their credit cards that I've had for over a year now. I tried several different phone numbers to solve the fraudulent inquiry issue ( yes, including the number on the back of my card, obviously ), and none of them worked. By trying to use my account number, they would always give me a different phone number I should call, and the story would repeat itself. Through the chat, in the app, they would tell me to call whatever new number they come up with. 

In other words : If I had an issue with my own card, even something unrelated to the Fraud, I would still be left stranded since apparently, there are no accounts associated with my SSN. I wonder how did they let me open my account in the first palace, and give me a limit of over {$30.00}? 

A few weeks back, I also identified some fraudulent transactions on my credit card, and I was able to dispute them through the app. For my surprise, after I tried reaching out to SEVERAL different people within XXXX through email, XXXX and other tools to see if anyone could at least give me an email address I could contact, I started receiving calls from XXXX. Initially, I was positively surprised as I thought those were for my Fraud alert. but I was wrong. 

they called me to once again, ask me for all the information about the disputed transactions that I HAD ALREADY PROVIDED THEM WITH. I provided them with all the information once again, and asked for help with my credit report fraud issue. I was bounced around to many different teams, one of them said that they had added my SSN to my current card, the other one said he was able to identify the fraudulent application, but still had to transfer me to the applications department. At the applications department, we're back to square 0 : she couldn't find any accounts or applications under my SSN. 

I don't know what else to do, who else to contact. If the VPs of Customer Support in XXXX does not care about one of their customers having their identity stolen and a criminal using that information to open accounts and compromising the financial life of others, I don't know what else to expect from them. This is truly sad and embarrassing, and I'm afraid what will happen to my credit and financial life as it looks like someone is using my information unauthorized.