davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

In XXXX of this year the Chase private banker XXXX XXXX XXXX placed a call for me to Chase mortgage on which she participated. The call was to confirm whether Chase had POAs for me. On receiving my social security number, Chase identified two unknown mortgages at Chase, one of which is to my current home with a mailing address to a former home.A Company which I employed in XXXX is also on the mortgage but that company was not employed by me in XXXX, the last time I lived in my former address. I phoned Chase multiple times post this conversation to send me documents. Chase representatives found the same logs but did not give me more information and said they needed the request to go to archives. I wrote archives. which Chase phone representatives confirmed as researching. I followed up with additional phone calls but I never received any documents or even a letter acknowledging my document request. I asked a lawyer to write for me. The letter was sent XXXX XXXX and Chase has not answered or acknowledged his letter either. I want the documents and information on the mortgages. There are no assignment letters showing any mortgages going to Chase.
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a Bank of America Travel Rewards credit card with a balance of {$5500.00} due on XX/XX/2020. I paid the full amount through my bank 's bill pay system on XX/XX/2020, and Bank of America cashed the check on XX/XX/2020. Bank of America, however, neglected to credit my account, and furthermore, proceed to add late fees and finance charges to my account. I contacted Bank of America on XX/XX/XXXX, and was promised that they would perform a trace. However, I received a letter a week later claiming that they could not locate the payment. They failed to contact me ( or my bank ) to get any details of the payment that they had cased, so I question how they could have conducted this " trace ''.
Consumer complaint received 2020-05-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

On XX/XX/2020 I, XXXX XXXX XXXX all of a sudden could not access my online account with USAA, as if I were locked out. I then proceeded to call customer service on XX/XX/XXXX and was notified that I needed to open accounts somewhere else as USAA was considering me a high risk customer due to a XXXX mistake I made 16 years ago and therefore USAA was terminating my relationship with any of their products despite that fact I had been an above excellent customer for almost two years. I carried two credit cards that never carried a balance despite the extremely high credit limits I had. I also maintained loans that were always paid, never a missed payment as well as personal accounts that had extremely high available balances. My credit cards were cancelled immediately, my credit score decreased, and I was unable to get approved anywhere for a new credit card as I had stayed a loyal USAA member, and any/all other assets were froze and put me and my family in a financial hardship during a nationwide pandemic. I'm appalled this is the thanks I get for having numerous family members serve my county. SHAME ON YOU USAA FOR TREATING OUR MILITARY SERVICEMEN LIKE THIS!!!!
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (OK)

**This is in relation to my SAM ASH credit card through Synchrony Bank . ** Synchrony Bank is a PREDATORY COMPANY that is stealing people 's purchasing power when they most need it. They are offering no customer service. When one tries to contact them there is NEVER a customer service agent via the online chat feature. They are doing nothing to help me. I have attached a screenshot showing this. The company is making it impossible to work with them and they are offering no assistance for people affected by COVID-19 related financial hardship. They are predatory, and just keep harassing for payment even when the customer still has available credit. They also closed my account SAM ASH  CARD when I still have {$540.00} in available credit! They are denying credit to their customers when they most need it. I want my card REOPENED. If this isn't resolved to my satisfaction, I am going to report this to XXXX XXXX, my Congressman representing my district, as well as XXXX XXXX, and XXXX. They are very accessible and would love to hear how customers in Oklahoma who are already being DEVASTED BY THE ECONOMIC CARNAGE with 15 % UNEMPLOYMENT are being further abused by predatory lenders like Synchrony. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Consumer complaint received 2020-05-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

I have filed a complaint previously regarding PNC bank. My husband fraudulently used a line of credit, I immediately notified PNC upon learning of this issue. No one at the bank/call representatives guided me to dispute the charges. I have been in a run around for almost a year now with this careless, negligent institution. I have informed them to do a review, they kept giving me the run around until I did my first complaint through Consumer Financial Protection Bureau. After my complaint, they unwillingly only fessed up to some of their mistakes. I want a thorough investigation done. This is sheer negligence and they keep trying to sweep it under the rug. They did not even want to do an investigation until I pushed and pushed their mistakes. I am tired of their nonsense, I would rather pay an attorney 's fees and take this to court rather than to pay this sleazy bank. They know they made pitfalls on their end and are doing NOTHING to fix this issue. They are saying I am responsible for over $ XXXX which I did not spend! I never authorized the money being used. Their lame excuse is that payments went out of a joint account. AN UNAUTHORIZED USER MADE THE PURHCASES WHY ARE THEY NOT REVIEWING FOOTAGE FROM ATMS?!?!? I AM BAFFLED BY THE STUPID ANSWERS, UNPROFESSIONALISM, NEGLIGENCE, IGNORANCE AND LACK OF UNDERSTANDING BY PNC. Completely disgusted by this bank and their employees.
Consumer complaint received 2020-05-15
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: Santander Consumer USA Holdings Inc. (TX)

Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed. Status update date proves that this account wasn't even investigated as the credit bureaus stated so this account can't possibly have been verified because the status update date has not changed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork and have requested it several times. 
Contacted creditor and was told it was charged off yet credit report shows balance XXXX  shows last payment XX/XX/XXXX and several chargeoffs are reporting in 2yr payment history XXXX  show no data on 2 yr pymt history XXXX  shows last payment date of XX/XX/XXXX and no data on 2 yr pymt history How was this date verified as accurate when so many values, reported by the same company, dont even match up?
Consumer complaint received 2020-05-14
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. (WA)

XXXX  ; Experian and XXXX should not be reporting a collection/chargeoff on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX XXXX  and they have no record of this account belonging to me. I do not now, nor have I in the past had an account with XXXX XXXX. Clearly this account is being reported in error and does not belong to me. This reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

Square 's product Cash App - would not allow me to transfer money out of the app or account via the fee less option. I checked with XXXX XXXX XXXX XXXX ( the bank the funds were going to ), they stated everything was okay on their side. Square refused to provide additional information needed to complete the transaction. 
- the only workable transfer I was left with was the fee based transfer. 
My funds were thus held and un transferable without a fee and I was unable to use the transfer option which took longer but did not charge me a fee. 
- I contacted square they refused to provide any support for the Cash App product other than directing me to a Q & A support page on the internet and within the App. 
- The feature to add a bank using the outing and account number did not work per their support page information and instructions. 
- The only option that worked was to have XXXX XXXX XXXX XXXX debit the account via phone which was limited to {$250.00} a day making it a lengthy process. 
- Cash App offers not interest on their money. 
- When I contacted Square regarding the issue I had no live person to speak to to discuss the problem via chat, phone nor e mail ... just the support page. 
- I am highly concerned as a consumer that this product holds and manages large sums of money without offering any support ( outside of a Q & A page ). They also have features that are without fees that do not work. The XXXX XXXX XXXX XXXX debit did not always work and sometimes required several calls and attempts before going through. Telling the XXXX XXXX XXXX XXXX employee that the card number was invalid despite the fact that the number was confirmed and worked on the next call? 
- Their accounting is also very unclear not giving a clear statement of your transactions and your balance in one place and in a clear manner. Pay Pal also has unclear accounting statements. 
- As a consumer I would like to see actual customer support by live people and better more clear accounting of credits, debits and balance in one place on one statement similar to banks. 
Thank you
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

I made payments of {$1500.00} to pay down my balance on my XXXX CC so that my utilization would not show as high and raise my score. And what does chase do as soon as I pay off that amount?? THEY DROP MY XXXX CREDIT LIMIT SO MY UTILIZATION IS HIGH AGAIN!!! Im trying to buy a home in the next year and you are causing me financial harm not just now but FOR THE FUTURE!! Put my credit limit back where it was when I had this card!! Am I the ideal customer? No. But I called you all multiple times and told you my husband had lost his job and we were struggling to make payments. Even with that knowledge I made payments to you all anyway! You know what I couldve done with the money if I hadnt paid you all? XXXX XXXX! This is what the bailout money of XXXX did? Allow you all to crush the middle class working person who is down one income??? Had I known you would pull this XXXX I would not have paid that XXXX and would have just kept making the minimums!! Give me my credit limit back or give me my money back!!!!!
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am filing a complaint against the three credit reporting agencies, XXXX XXXX XXXX and also Ally Bank.. sometime in XXXX  I received a call regarding my cousin asking if I can be a reference for some XXXX  work he was getting done! I asked him why did he need a reference and he said so they can call because he was getting a loan and I would not be the only one. Next thing I know I receiving something in the mail stating that I have a loan.. I was not aware of any loan! I feel bamboozled, manipulated and taken advantage of.. I never gave my conceit for them to use my information. I never signed any paperwork and never went to any office to give anyone permission to run my credit.. My cousin also is blind to the whole thing. The XXXX  office have been giving my cousin and I the run around since this whole thing happened. They refuse to talk to us or even set up a meeting to know who it was that violated my privacy. They signed the paper work with the wrong name and everything.. Not only am I upset that this happened, I am afraid of what these people are capable of.. I have filed several reports to the lending companies as well as the city police station.
Consumer complaint received 2020-05-15
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: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

XXXX XXXX XXXX and ProCollect have reported negative and false information to the the credit bureaus. I am a victim of identity theft and the reporting debt and documents do no belong to me. I notified the property manager XXXX at XXXX XXXX XXXX and notified the debt collector ProCollect of all police reports and identity theft reports. I was told that since they can not find the person that stole my identity they will continue to collect the false debt from me.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Every single credit bureau has listed incorrect or old outdated personal information in my file. 

The following is the only information that should be reported. 

1. NAME : XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. Employer : XXXX All other names and sub-names should be deleted. 
All Old address that do not pertain to me as of right now should be deleted. 
All Old employers that do not pertain to me as of right now should be deleted. 

Failure to delete and correct the requested information will result in a legal notice from my attorney on this matter.
Consumer complaint received 2020-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2020 early morning i was shocked to see emails that said i sent money to XXXX through XXXX ( online remittance company ) ... It consists of 4 attemps/transactions, the other 2 was successful and the other 2 transactions was denied since my bank balance was out of fund already ... That very moment i called Bank of America and reported everything that my account is sure been compromised ... I also called the XXXX XXXX which took so long to contact since their customer service is limited to few hours only due to covid19 ... I normally use XXXX service since i also send money to XXXX for my parents there ... But this time is different ... I want the thief to be caught whoever did this ... {$2100.00} is a big money and i will never stop until i get it back ... Within 10 days Bank of America gives me provisional credit ... But after few days i got a message that the transaction in dispute is authorized by me and that i should be liable and my credit will be removed back ... I will never allow this since I'm the victim here and i can prove whatever i can just to get justice and money back which i earned by working hard, and only be taken by criminals ... 
For you out there please do be careful in sending money online because hackers are everywhere and they are smarter crooked criminals ...
Consumer complaint received 2023-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : -Close the unauthorized account -Removeany charges on the unauthorized account, and -Takesteps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX Enclosures : XX/XX/2023 Close the unauthorized account Removeany charges on the unauthorized account, and Takesteps to remove information about this account from my credit files. 

-FTCIdentity Theft Report -Proof of identity -Notice to Furnishersof Information
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

I had an unauthorized hotel charge a month in advance of the stay in the amount of {$1000.00} which placed my Navy Federal account into the negative, the hotel has cancelled the reservation and release the funds on there in but NFCU will not make my account positive until XX/XX/XXXX or XXXX per XXXX a supervisor today ; which has placed me in a financial hardship while traveling out of town. 

I applied for over draft protection for a second account before XXXX XXXX and a debit card associated with the account the rep assured me she was moving forward with placing overdraft on this secondary account effective after the holiday I received the debit card but find out today the overdraft protection was never set up on this second checking account, this could have eased my financial burden due to the unauthorized {$1000.00} charge and the primary accounts negative status, but to no avail. 

Audible has apprised me they have sent back additional monies to my Navy Federal account which NF indicates it is still not showing which amounts to over {$200.00}.

I have an accident claim which has paid and will post {$350.00} to my account this money could give me relief but it will fall into the negative account NF has been unwilling to resolve in a timely manner. 

In as much as I have submitted documentation to Navy Federal Credit Union showing the XXXX XXXX was cancelled and spoken with a supervisor NFCU refused to take additional mske my account positive my deposit of {$350.00} came into my account which would have assisted me while out of town but now my money is gone devoured by the black hole of a negative unauthorized account that NFCU refuses to resolve. 

I never removed the oops off of my second checking account in XXXX the supervisor today did not try to help me submit the application for it again although her colleague failed to do so last month ; she stated I could not apply because my account was in the negative well ego has it this way? Navy Federal its double jeopardy. I have been with them since XXXX and are very disappointed.
Consumer complaint received 2023-06-07
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. (LA)

am contacting you to request the removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this would constitute a direct violation of the FDCPA and FCRA. I kindly request that you promptly delete and remove these accounts and information from my consumer report, as their presence is in clear violation of multiple laws. Please take immediate action to remove these accounts and information.
Consumer complaint received 2020-05-14
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. (WA)

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX XXXX  and they have no record of this account belonging to me. I do not now, nor have I in the past had an account with XXXX XXXX. Clearly this account is being reported in error and does not belong to me. This reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-10-10
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: Experian Information Solutions Inc. (TN)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.