davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (TX)

Over six months ago, I received a request for detailed financial information from Chase Bank, where I have 3 credit card accounts - XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX cards. As one option was to take the information directly to a branch, I did so. I was concerned about someone requesting this detailed personal financial information fraudulently. The bank associate told me he was unfamiliar with this request, and that I should ignore it, as it did not look like a valid request. I did so, and continued to use my credit cards and pay the entire balance off on time as I have done each month for years. Today, XXXX XXXX, XXXX, while attempting an online purchase, I discovered that the bank had closed all three of my accounts without notice because I did not provide this information. My discussion with the bank was useless. I want the fees that I paid to have these credit cards refunded to me, as they have closed my accounts without notice and without valid reason.
Consumer complaint received 2016-07-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

I have an auto loan with Ally Financial and I got behind on my payment, but never by more that 30-days, but still outside of the 15-day grace period. Most months I receive automatic calls from Ally regard my account, but no one is on the phone when I pickup. I complained about this issue for several months. However, each time I inform Ally collections or customer service staff of the problem and tell them to notate my account with the fact that I have made this compliant, the next time I call no note is added to my account and nothing is done. I asked the customer service person that took my last complaint on XXXX XXXX, 2016 at XXXX what would be done regarding this complaint. She stated that she would just note it in my account. I asked to speak with the manager and XXXX, manager of collections, stated that this is what happens when the automatic caller calls someone. I asked what would be done to ensure that when the automatic caller calls a borrowers there is someone there to respond. XXXX, manager of collections, simple stated that he would note the account, he did not seem to care. Finally after I pressed him about the issue he stated that he would notify the automatic dialer team. This is my fifth month calling regarding this issue and I have yet to hear of a resolution.
Consumer complaint received 2015-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (CA)

i call XXXX telephone directory service cancel my advertizing from the directory they didnot cancel my add they try collect it i told them on phone and writen notice but now they hire collection agency to collect name is credit control llc. XXXX XXXX XXXX XXXX, MO XXXX and phone # XXXX account # XXXX
Consumer complaint received 2017-11-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I reside in Texas.i signed a LESSEES AFFIDAVIT OF PRIMARY NON INCOME PRODUCING VEHICLE FORM # XXXX I believe is an exemption from my having to pay property tax on this vehicle..I was charged a miscellaneous fee of {$110.00} on my XXXX XXXX lease payment.i called and was told it is a PROPERTY TAX CHARGE ... and they pay the tax but I have to reimburse them. If I am basically renting the vehicle and they own the vehicle why do I have to reimburse the property tax ... also why is it presented as a misc. fee instead of a property tax ... what if I file an itemized tax return? Do I get to claim this charge or does XXXX not only charge me, but also claim the deduction ... ..how does this work. If Im paying a property tax I need documentation to show I paid a tax and not a fee.
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

I settled my debt and received a letter from the bank who I owed the debt to. The letter dated XX/XX/2019 shows settled in full. However, I continue to receive debt collection notices from ERC. I called and advised them my debt was paid in XX/XX/2019 and yet received another attempt to collect this debt notice XX/XX/2019. I emailed the company XX/XX/2019 again.
Consumer complaint received 2016-05-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have filed complaints on the doctor, XXXX and the collection agency, ( XXXX ), with you earlier this month.for a doctor bill that i dont owe and should never been sent to collections.I heard back from the collection agency and they said the doctor with drew the account from them, and totally closed the account.i am now putting in a complaint on transunion to get it removed from my credit report
Consumer complaint received 2019-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

fifth third Bank has failed to resolve any of the previous complaints in particular recently I've had to just closed out every account with them less to checking account due to the company not responding to the various complaints that have been filed fifth third Bank has refused outright to even file and accept disputing a transaction I had a transaction that was unauthorized because my card was stolen and I believe the total charge was {$22.00} and some change of gas from XXXX gas station when I called into the deceased department in the fraud department I was told that they were disputing the transaction but that is not actually what happened they did not dispute the transaction and I was prompt it to go again and follow a whole nother series an extra steps to dispute the transaction that I had already called in for this is a separate complaint in regard solely to the issue of a {$22.00} charge on my secured card that was not authorized nor did fifth third Bank accept and honor the disputed transaction so after being forced to close the account due to the continued customer service the funds were never released back to me and never honored back as a disputed transaction
Consumer complaint received 2015-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I just received the Trans Union Report, I just do n't get why they continue to not do their job? 
I attached my TransUnion credit tracker1- it shows a Delinquent account- I can assure you there no accounts that I have anything past due, All I ask is which one? 

2- Under Open accounts, it shows XXXX , XXXX is a closed paid account long ago. 

I appreciate the availability of Credit reporting information available to the consumer these days, but it 's the disgust when you look at it time and time again and it 's not correct. Life is hard enoughMy personal employment information they find difficult to correct, I have been in the same same address for 11 years, with ownership changes that are common in my industryCurrent EmploymentXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX XXXX mortgage was taken over by XXXX XXXX was taken over by XXXX XXXX
Consumer complaint received 2016-04-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

The bank closed my accounts and charged numerous fees after a bank representative suggested a new account type upon one bank buying another. I was lied to about the minimum balance requirements ( my accounts with the previous bank did not have fees associated with basic banking services ). I recently tried to open a new account at a credit union and was informed I could not because of these outstanding balances.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I recently had an account start reporting on my personal credit history. I had not had a XXXX account report for many years. I made my last payment and closed my account. On my personal credit report, it shows that I have an open account with XXXX and it was closed and charged off in 2014.  Also, when you open a XXXX account you have to pay {$30.00} upfront and they state that the {$30.00} will be your first payment. They did not consider my {$30.00} my first payment and showed me late and each time I made a payment when my email alerted me, I was considered late and they would add interest. I did not know this at the time but I looked at this document and saw the way they were overcharging me. They never credited my first {$30.00} as they stated and they would send me paperless bills to my email and then consider my payment late even though they were billing me. I have submitted dispute after dispute to both the credit bureaus and the creditor with the address that is located on the credit report. I received a letter from XXXX stating that they transferred my account to another lendor and I should contact them. I have the letter as proof. It also shows that I paid the balance in full and then they added a COFINCHRG of XXXX and a COFINCHRG of XXXX. I was not aware of this. I had no idea that after paying my balance off online and having a {$0.00} balance that they would add any kind of extra charges. They never informed me. You can see the consistent payments on the statement they sent me as well. It was not a charged off account. The creditor has it listed as a charged off on my personal credit reports, I have attached them. And the last date of payment was is showing in XXXX of 2014. It shows on the document from XXXX that the last date of payment is XXXX of 2014. I  sent the credit bureaus this proof as well and they still refuse to acknowledge that it is a fraudulent account that does not match my records. They may have me confused with another person but I never paid my account in a charged off status.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (LA)

This morning XX/XX/23 I had 6 unauthorized transactions occur totaling more than {$55.00} to my Cash App account that I dis not make. 
XXXX ) {$0.00} at XXXX XXXX  on XX/XX/23 XXXX ) {$12.00} at XXXX XXXX  on XX/XX/23 XXXX ) {$24.00} at XXXX XXXX  on XX/XX/23 XXXX ) {$12.00} at XXXX on XX/XX/23 XXXX ) {$5.00} at XXXX XXXX on XX/XX/23 XXXX ) {$0.00} at XXXX XXXX  on XX/XX/23 I have notified Cash App support and they are looking into it and will reply within 10 business days. The charges are still pending so should just be denied or canceled but they have refused and want the transaction to go through first.
Consumer complaint received 2017-11-15
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)

Recently i received a copy of my credit report which showed Inquiries & Accounts i didnt not authorize. I understand and aware that you should not put an inquiries or accounts on my file unless i have approved it. I have provided you with the information and the a previous police report i sent a few months. Your company never responded and i am now XXXX bothered, and XXXX. I am currently working with an XXXX to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and accounts removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiry accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized account & inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

XXXX XXXX XXXX
Consumer complaint received 2016-01-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS bought my mortgage from RPM a few months ago right before my homeowners insurance on the property was due. My account is set up for impound of property tax and insurance. My insurance broker called to say SLS was refusing to pay my homeowners and that it was now my responsibility to pay? After several calls by my insurance broker, XXXX and myself they still refused to pay. After being given an extension by the underwriter of the homeowners insurance ( Allied ) and getting nowhere with SLS, I literally only had a few hours to pay the homeowners myself or I would have to find another homeowners insurance since XXXX was fed up with this whole mess. Because I like XXXX, I went ahead and paid it even though it is not my responsibility since my mortgage is impounded for both tax and insurance. SLS is not a very professional company from what I have seen & people need to know to try and avoid them, this situation went way beyond and should have been resolved in a few minutes. I want a full refund and an apology from this horrible company for wasting countless hours of people 's time in this matter. Thank you.
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — Student prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (NY)

I receive a call from a caller ID of the fbi saying I was involved in a trafficking crime and they had my address and phone number I was told that I had to make a payment to the family of girl who was taken for XXXX but to deposit {$1000.00} I was very scared and nervous idk what to do I made a XXXX decision and made a payment on PayPal to the so called family lawyer that was pressing charges on me for XXXX to be exact I really would like some help that money is all I have for my college tuition and expenses this fall semester PayPal disregard my claim and let the payment go through I really made a terrible decision and a look like a fool I very embarrassed but I asking humbly for help receiving back my money for college. The scammer told me to choose and write the family option that why its on there I praying for a miracle right now for help if dont have that money I wont be able to go to college this year. I no biological connection to that man whats so ever he impersonated a federal agent and try same I was convicted of crimes for XXXX XXXX XXXX I really need some help big time. After that I ended up changing my phone number and contacts information its very hard by myself and I made stupid mistakes I hope to learn from this and move on so this never happens to me again.
Consumer complaint received 2017-02-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Services has been using unfair accounting practices to charge usurious fees, and also to claim I am 60 days late. I have spent days on the phone, much of it on hold for hours and hours, often getting hung up on after investing half a day, and each new person I speak with can not tell me directly the status of my account. Even their employees ca n't make sense of their internal ledger. When interest rates change, and my monthly payments is updated, I am not notified. Months pass and my automatic payments continue diligently, until one day I receive a notice to foreclose on my home. Shocked, I call them and, eventually discover I have a new payment amount, arrive at an agreement of what I actually owe, and make an additional payment to cover the differences and fees to become current. Many months later, as this has happened on several occasions, their accounting somehow shows something completely different. 
I am told that I missed payments. I have bank verification proving that I did not, but they insist, because of their bizarre accounting, that I am wrong! 
I am getting nowhere and I am beyond frustrated. It would not surprise me to learn that some of their methods are illegal. The hour minimum " hold '' times, rude representatives, muddy accounting, and the mysterious disconnects are very discouraging. By discouraging frustrated customers who are trying to resolve a problem, more fees will be generated - meaning more income for SLS.
Consumer complaint received 2016-09-14
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (GA)

I purchases a sectional sofa from rooms to go XXXX 2016 using a {$5300.00} line of credit issued by XXXX and Synchrony Bank. I was enticed by the no interest payments. The sofa was delivered with defects and then returned. I purchased another sofa and loveseat that was also delivered defective. That set was exchanged for an identical sofa and loveseat, defects and all. After the the third and final return, I chose not to purchase another set. I began receiving past due credit notices and even a fraud alert for being over 30 days past due. I had been assured by the store manager in XXXX GA that no charges would accrue. Then I went to the XXXX outlet and purchased a sofa. However, I learned my credit was frozen due to outstanding charges of {$360.00} from the original purchases on my credit card. After speaking to customer service and the store on multiple occasions, I have still, three months later, not been refunded the proper amount and I continue receiving several phone calls a day for payment. There have not been any other charges on my bill other than the defective purchases. I need this remedied so I am not reported as delinquent and no longer harassed for money that is not mine to pay. Please help!
Consumer complaint received 2016-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

Please be advised for many years now I have been disputing XXXX and it keeps coming back verified! My issue is I want to know the first time I was ever delinquent to XXXX meaning the first time my bill was not paid on time which will be the first time delinquent. It is not reporting as it should because they are reporting this as a retail installment and should abide by the rules of the FCRA and report the time I was first late! If they did this it would be past 7 years and this would no longer be on my report!!! It would be way past the 7 year mark yet they are making this sound so recent!!!!! 


Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Utility Company Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term -- Monthly Payment {$530.00} Responsibility Individual Account. 
Balance {$530.00} Highest Balance {$530.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due {$530.00} Times XXXX/XXXX/XXXX Days Late XXXX Remarks Collection account Payment History Latest Status : Collection/Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX CO 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 F M A M J J A XXXX O XXXX D XXXX Unknown CO Collection/Charge-Off XXXX XXXX Days Late
Consumer complaint received 2017-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To Whom It May Concern : This letter is in response to your recent claim regarding Account ending in XXXX for a credit card, which you claim I owe XXXX. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact