davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (MD)

Chain of Events : First, I must state that I never, ever, use my M & T XXXX XXXX for purchases or payments. I occasionally withdraw cash from an ATM but it is not frequent. 

On XX/XX/2016, I discovered that an unauthorized, fraudulent debit - XXXX Online Phone Payment in the amount of {$150.00} - had been applied to my M & T Checking Account on XX/XX/2016. I immediately contacted M & T and was told to come in and file an affidavit. The affidavit was filed on XX/XX/2016. I requested future debits from XXXX XXXX be blocked but was told they could not block an individual debit, only freeze the entire account from all future debits. Since I had legitimate, automatic debits linked to the account ( XXXX and XXXX Prescription Plan ) I was advised to leave it open until I could stop these debits, a process I began immediately. 

On XX/XX/2016, M & T reimbursed me for the fraudulent debit on XX/XX/2016, {$150.00}. I received a letter stating, " Our research has concluded that the transaction was unauthorized or processed incorrectly. Your account was credited {$150.00} on XX/XX/2016 for the disputed transactions. '' I stopped all direct debits but, before I could notify M & T to place a debit freeze on the entire account, another unauthorized, fraudulent debit was made to my M & T XXXX Account for the same amount and via the same method - XXXX Online Phone Payment in the amount of {$150.00} - on XX/XX/2016. I called the bank and they issued another affidavit and placed a debit freeze on the checking account. 

On XX/XX/2016 I received a letter from M & T stating, " We have completed a thorough review of your account and nothing in our records indicates that the transaction ( XXXX ) was unauthorized or processed improperly. As a result, no funds will be credited to your account as a result of this claim and the claim is now closed. '' With the letter was a " Written Statement of Unauthorized Debit '' form to submit to M & T for consideration under the Automated Clearing House ( ACH ) rules. I also requested, in writing, copies of the documents relied upon in connection with this investigation, which were available upon request. 

I do not understand how XXXX debit was considered fraudulent but the second XXXX, XXXX months later, was not. I did not authorize these debits and I feel M & T should have done more to prevent this from happening. There is a debit freeze on the checking as well as a savings account that I have at M & T, since I do not know the source of the fraud and do not feel protected by the bank. 

I leave this in your hands and will abide by the decision made after investigating the issue. 

Best Regards, XXXX
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Re : XXXX XXXX XXXX ( {$200.00} ) & XXXX XXXX ( {$59.00} ) SS # XXXX Hello, My name is XXXX XXXX XXXX and I am writing a complaint against TransUnion about my Credit Report. I have no affiliation with XXXX XXXX XXXX and XXXX XXXX. On or about XXXX XXXX, 2016, Your company states I owe : {$200.00} AND on XX/XX/2016 I owe : {$59.00}. I am a Veteran and you have listed someones information on my file without my knowledge. I have never visirted this place or do n't even know here this place is located. 
I would urge you to have all of themse items removed form my file ASAP, and clean my record as it used to be. I do not appreciate your lies and deception.
Consumer complaint received 2015-04-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (AZ)

I recently received a bulletin from my Financial Advisor stating that CFPB is encouraging major lenders via credit cards to freely provide Credit Scores on their credit card statements or on-line credit card access. Chase Bank has mad a XXXX attempt at complying with the request. When I inquired about my credit score being available on my statement or on-line, I was informed by XXXX XXXX in the Customer Care Department that they have complied with the request by offering the service on only XXXX of their many credit card types. The particular card is a " Slate '' card. She offered me an opportunity to apply for a " Slate '' card account which I turned down..
Consumer complaint received 2015-06-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I received {$1800.00} from my Granddaughter through a " quick-pay '' transaction since we XXXX have Chase accounts. Once I got the money, I did a " quick-pay '' transaction back to her account utilizing her phone number as an account destination. The phone number that I used sent her transfer to a XXXX XXXX account that does not exist. My granddaughter has not had a account with XXXX XXXX for thee years. I opened a claim with Chase and they credit my account back {$1800.00}, while they did research. I went into the bank to physically put the money into my Granddaughter 's account. On XXXX XXXX, 2015 Chase did a reverse credit to my account for {$1800.00} with the explaination that XXXX XXXX never responded to them. Chase say they transferred it, and XXXX XXXX say they never got it. But I 'm left with negative {$1600.00} in my account.
Consumer complaint received 2016-02-13
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (PA)

I obtained my XXXX credit report on XX/XX/XXXX and saw I had a Chase credit card XXXX when I was XXXX. I called Chase, the informed me the card I called about is a Chase Freedom card with a XXXX limit and that I was an authorized user. They mailed me the card, I activated it, confirmed my identity, and was told I could use it. I used the card to make about {$7600.00} worth of valid purchases on XX/XX/XXXX. On the evening of XX/XX/XXXX, the card was locked by my father, who was the primary account holder. Chase refused me access to the account, I reported fraud to their fraud deparment. Chase informed me that they mailed XXXX credit card in my name to my father 's address, where I have n't live in over two years. Chase never spoke to me about my cards until I called on XX/XX/XXXX. I called on XX/XX/XXXX, I attempted to make payment arrangements for the charges with Chase, and they refused. On XX/XX/XXXX my fiances car was repossessed because XXXX XXXX received a call from Chase that the payment I gave XXXX XXXX and was authorized to make by Chase was fraudulent, and Chase reversed the charge. When I called Chase, they informed me that my father took me off as an authorized user. Chase refused to give me past bills and proceed with my identity theft charges. They informed me I need to inform the PA State Police, which I did, and need to submit proof of identity, and a power of attorney and affirmation to show I am over XXXX. Chase has refused to honor the purchases I made, and said that I can not gain information on any cards that were and are in my name and any and all charges associated with them because I no longer have access to the account. Chase told me I have to wait until XX/XX/XXXX to talk to their litigation department.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (AL)

Received notice from IRS of a tax notice. Upon making payment, XXXX/XXXX/2010, there was a tax lien file. Unable to get an explanation from IRS and Experian as to why tax lien was filed on same day as payment.
Consumer complaint received 2022-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (SC)

My account was hacked and a large lump-some was stolen. I immediately contacted my bank ( CHIME, a popular online bank ) and reported the fraudulent transaction of {$670.00}. I submitted a dispute, which they denied. I then collected more evidence that it was a hacker, and also fraudulent, and submitted an appeal for their decision ( they call it a rebuttal ), chime then reassures me that with the additional evidence it should be handled within 15-90 business days. I checked my email this morning and they decided to again deny the claim. I believe the bank is refusing to refund my money due to it being a large amount. The evidence I submitted clearly shows that the wired transfer was illegitimate and fraudulent. The hacker stole over half my paycheck and I have been without money for over two weeks.
Consumer complaint received 2016-12-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check in XX/XX/2016 for {$300.00} for some freelance work I did for a client. The client reached out to me in XX/XX/2016 and told me that the check had been deposited a second time in XX/XX/2016. I investigated and found out the check was stolen from my car during a car break in and so the second deposit was made by the thief. My client told me they would file a dispute with their bank and try to get this sorted. Fast forward to today - I checked my bank account and found out that my bank had charged me {$300.00} for the double deposit from XX/XX/XXXX. So basically I did n't receive a cent from the funds and instead now the thief has all the money. I talked to my bank and they said they can not resolve it - only the check issuer 's bank can fix the problem. Unfortunately, my client told me that they already issued the dispute bank in XX/XX/XXXX and this is the result. I really do n't believe they would be willing to help me file another dispute to try to fix this and get me the money back. I have attached documents of both the original check deposited in XX/XX/XXXX and the fraudulent check deposited in XX/XX/2016. The fraudulent check has a FORGED signature on the back and you can see that the original check deposit did n't even have a signature on the back. I am now a victim of fraud, robbery, and forgery! Please help me get this money back!
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I have disputed a account with all XXXX credit bureaus for XXXX. The first time it was deleted. Then it appeared again under another company. I have been disputing it since and I have requested documentation with my signature to verify the account and to this day I have received nothing but somehow it keeps coming back verified when I dispute it. I would like this item deleted off my credit report.
Consumer complaint received 2015-09-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO. (CT)

HelloSo I submitted a cosigner release form for Chase Student loans to release my cosigner. They declined my application as they told me that I had not made XXXX consecutive payments of principal and interest. I have been paying back this loan on time with no late or missed payments for more than 2 years. Prior to XX/XX/XXXX i was making payments directly to Chase, but after XX/XX/XXXX, the loan began to get serviced by XXXX XXXX XXXX. I pulled my bank statements to show Chase that from XX/XX/XXXX to XX/XX/XXXX, I had made the XXXX consecutive payments, they claimed I had not made.
Consumer complaint received 2015-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There are XXXX employer address 's on my report that are in error ... ... XXXX XXXX XXXX is my ex wife 's new address and XXXX XXXX XXXX is a misprint ... ... ..the other is listed correctly as XXXX XXXX XXXX. I also have another issue, my exwife insisted on paying all bills and controlling all money issues. She was notorious for paying late. I am being unfairly rated due to her lack of maturity in bill paying. I would like to have my scores reflect my history on bill paying since our divorce ... ... .which was about 5 years ago.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I received notification on my alerts through   XXXX   that a new credit collection account is appearing on my account at  XXXX ,  XXXX  and Transunion on  XXXX   XXXX ,   XXXX   with  XXXX   XXXX   XXXX   XXXX . I disputed the same with documentation. First, the last payment date indicates  XXXX   XXXX ,   XXXX   which is in the future. Second, I do not have gas service at my present location and have been at my present location  of   XXXX   XXXX   XXXX   for ov er a year. I received not notification of such account and no request for verification of the same. Also I am in the process of purchasing a mortgage to close on  XXXX   XXXX ,   XXXX   and ended up paying this amount which is still reflecting as unpaid, even though I do n't believe this account balance belongs to me but possible the new tenant at the location I left behind over a year ago, I paid as I cant proceed with the loan process with the outstanding amount listed in collection. So it is paid in full. I have proper documentation of both my current lease and the paid in full. I am requesting that this account be removed from my credit reports as I was never given proper notification for verification purposes, I was not living in this home during the delinquent period, and I have not paid a debt I do n't believe belongs to me.
Consumer complaint received 2016-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC ()

Mortgage company agrees it violated a court order regarding the removal of a " phantom corporate advance account '' and sent the following correspondence. Mtg company has now refused me access to my account ( will not give me any information ) and has failed to remove the erroneous corporate advance from the account. The requisite time has passed and they still have not fixed the account even though they admitted wrongdoing. Please compel them to make this fix. AS OF XXXX XXXX, XXXX THIS MATTER IS STILL NOT RESOLVED!!! 
Here is their correspondence : Ditech said : Explanation of closure Ditech Financial LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN XXXX T XXXX F XXXX ditech.com XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Re : Consumer Financial Protection Bureau ( " CFPB '' ) Case No : XXXX Ditech Financial LLC f/k/a Green Tree Servicing LLC Account No : XXXX Dear XXXX XXXX : We are in receipt of your complaint filed with the CFPB regarding the servicing of your loan by Ditech Financial LLC ( " Ditech '' ). Ditech takes your complaint seriously and appreciates this opportunity to respond. 

Ditech 's records reflect that prior to XXXX XXXX your account was not escrowed. Your loan was approved for a Streamline Modification which required that an escrow account be placed on the account. Please see the enclosed Modification Approval Letter dated XXXX XXXX, XXXX. This modification was cancelled almost immediately pursuant to your request to have it cancelled. Please see the enclosed Modification Denial Letter dated XXXX XXXX, XXXX. At this point, Ditech should have cancelled the escrow as well. Due to an inadvertent error, the insurance escrow was not removed from the account until XXXX XXXX. Prior to the cancellation of the forced escrow, Ditech disbursed for taxes and insurance in XXXX and XXXX. 

This matter was addressed in a Motion to Compel filed in your XXXX XXXX bankruptcy on XXXX XXXX, XXXX. Please see the enclosed response to the Motion to Compel, filed by Ditech on XXXX XXXX, XXXX, and the Stipulated Order filed by the court on XXXX XXXX, XXXX. In paragraph XXXX of Ditech 's response, it explains that the escrow amounts had been credited to your account. According to the Stipulated Order, the matter had been resolved. 

Upon further investigation, Ditech has found that while Ditech credited the escrow account, the credit was insufficient to satisfy the full escrow deficiency leaving a balance of {$1800.00}. Ditech has waived the remaining deficiency and sincerely apologizes for any inconvenience that this situation may have created. 
Please allow one to two weeks for this transaction to be completed and your account credited. 
Please contact Ditech at XXXX with additional questions or concerns. 
Sincerely, XXXX XXXX XXXX XXXX cc : CFPB via portal
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (PR)

I disputed XXXX accounts on my credit report. I received notification that the investigations were complete but the accounts still remained on my credit reports even though they should have been deleted or updated. In my opinion, There was no investigation done at all. 1. ) The XXXX XXXX ... .account was not updated at all. I have a 60 day late payment back in XXXX XXXX but I never had a late payment. The XXXX XXXX and the XXXX XXXX payment data was fine so how could I have a 60 days late in XXXX? This account was NEVER late. 2. ) XXXX XXXX XXXX XXXX ... should be deleted from my report. I do not owe XXXX any balance. Experian says that they investigated it but it had not been updated since XXXX XXXX. This is a violation of the FCRA. 3. ) XXXX XXXX XXXX XXXX ... This account should be deleted from my report. My account with XXXX had been closed and I do not owe any balance.This is a violation of the FCRA 4. ) XXXX {$140.00} ... This should be deleted from my report. The status had not been updated since XXXX XXXX. This balance was paid years ago and it is such an insignificant amount. It needs to be deleted. This is just harassment!
Consumer complaint received 2022-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting Act XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.  15 USC 1666B : A creditor may not treat a payment on a credit card accout under an open end consumer credit plan as late for purpose.
Consumer complaint received 2015-12-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

We have a second mortgage with GreenTree, now known as Ditech. We went though bankruptcy because of a failed business in XX/XX/XXXX / XX/XX/XXXX, and GreenTree provided us with a XXXX XXXX, to which we agreed. The XXXX XXXX changed the terms of the loan, providing a lesser payment. Similar to the payment we had been making through a modification agreement prior to bankruptcy. Once the bankruptcy was discharged in XX/XX/XXXX, GreenTree started calling the very day of discharge, and we continued making our payments. There was one month that GreenTree called seeking a payment earlier than we were going to make it, we agreed, and GreenTree accepted a telephone payment, and our bank electronically paid the account due to an oversight, and GreenTree refused to reimburse the second payment, although it was a detriment to our family at the time. Our credit reports show Ditech as showing us XXXX times past due, although we have continued making in excess of the payment required on the XXXX XXXX, bringing our scores down. We have send in evidence of payments to the credit reporting agencies, and still have no relief on XXXX and XXXX. Ditech is showing 30, 60, 120 days past due for months we continued making payments because they refuse to accept the lesser payment in the XXXX XXXX, and still show the payment on the original credit agreement. It is important to note, GreenTree drafted the XXXX XXXX, including all terms and conditions of the XXXX XXXX. We have complied. We repeatedly answered their calls seeking additional monies over and above the XXXX XXXX, and they refused to accept the new agreement, with the primary account person XXXX? saying the interest rate was variable to all sorts of excuses. We had at least XXXX calls with XXXX following our bankruptcy discharge, to no avail. We finally stopped answering the calls, which continued daily to both of our cell phones, work, and family members. We sent letters demanding the calls stop to our employment and family members, and to only communicate through written means. We continued getting calls, even to the work place at times. We have sought out legal counsel to review the XXXX XXXX, and confirmed it is a binding contract, and to confirm the XXXX XXXX was filed with the Bankruptcy Court, which it was. We have sought out help from the credit bureaus, and have not had success thus far. GreenTree / Ditech have tacked on {$1800.00} in fees and have refused to provide us with an audit or accounting since the bankruptcy discharge. An attorney will cost us $ XXXX+/hour to retain to go through the court system, with an estimate of {$4000.00} to {$10000.00} in fees to litigation this matter. We simply can not do that at this time. Any assistance your organization can lend to this situation, or guidance, would be most appreciated. 

XXXX XXXX
Consumer complaint received 2015-06-24
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I move in a mobile home in XX/XX/2014. The person I be lived to b buying took my XXXX. Down pmt. An return in XXXX months asking me to catch up on pmt. I realize he was not going to sign the general warranty deeds I drew up.a greentree workers shows up XX/XX/XXXX. Telling me what I need to pay r get out of the home. I explain to XXXX the deal XXXX XXXX made with me an. I would b willing to pay XXXX a month just give me a blance to start.i recived calls that were rude as if I was a child. Anyway I agreed to send XXXX post dated cks. After the first pmt. I gave to them in person of XXXX they refuse to send me a invoice .so I am thinking whom an what am I paying for. After talking with them I find out this owner has been dead XXXX yrs. An I will never get a title to move it without lots of loops. Now they r demanding pmts. After I brought the pmts current. I have not sent a pmt. Until I get records for me saying what I owe an why I am being over charged an charged for ins. I was not the one whom started this mess an I do n't plan on being left clueless. Like I told her I been here lil. Over a yr. An I only have to envoies mailed to me. XXXX yet making pmt. Thru my bank r cks.she tells me they been mailing them but they were in XXXX. I told her I could not open his mail just like her asking me to post date XXXX cks. She explain I pick a date an send them an she will enter them each month. Now I am late with fees an no paperwork to describe what I will own.very upsetting to me as a single parent trying to b productive an grow in life yet. They r allowed to tell u get out r make a pmt. I think I am ready to take action to avoid more troubles.can u help? I have talk to many workers yet they tell me they can not give me information on the loan an expect to b payed. I am clueless not a dumb.