davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (OR)

I received my first NSF fee with Chase bank in  XXXX , and on   XXXX   XXXX   I called and spoke with a representative who advised me that I should turn OFF the everyday Debit protection service. I did so. She explained to me that this would only prevent overdraft/NSF fees related to " same-time/instant POS payments using my card at a merchant '' I asked her to clarify further as to whether or not a  XXXX  withdrawal, or scheduled credit card payment, for example, could trigger a fee still, and she said that YES - even though I had turned off everyday debit protection, I would still be charged fees in the event that I had insufficient funds to pay for a scheduled debit transaction.     I complained to this agent directly on the phone on this phone call, and after I explained that her saying  " Chase can n ot control whether or not we process these payments '' was total nonsense ( my counter example was - " what if I had a scheduled debit transaction for {$100000.00} but I only had {$5.00} in my account? You 're telling me  Chase would  process that? '' ) she finally relented and said that she would leave a note in the system saying that I was not to be charged any further NSF or overdraft fees and should be made eligible for a refund if this should happen again.     Later in the year, I had another NSF fee, and it was waived no later th an 60 seconds after I started explaining what had happened.      Now,   XXXX   XXXX   XXXX  , I have tried to ca ll Chase to have  XXXX  (  XXXX ! ) NSF fe es waived, which I did not even see until yesterday as I was camping with my family.     I first called tonight at approximately   XXXX   XXXX   PT and spoke with a level  1 representative. She said she tried to process the refund but her system would  not let her process it. I was then transferred to her supervisor. He said he tried to process the refund, but was unable to. He then told me he would leave a note on my accounting saying to refund me {$100.00} if I call in a year ... A YEAR! ( After the  12-month r olling NSF refund limit rolls off ) I requested to speak with his  manager, in the hopes that the manager would be able to just credit me the refund I was told I would get NOW rather than making me wait a yea r ( I am a  XXXX  and this is my student loan money ) The " hea d manager of Cu stomer Service in the  XXXX  '' named  XXXX  tried to process the refund but was unable to. He also told me that if I called back in a year they would refund me the money.     Worse -  XXXX  told me that the agent I spoke with in   XXXX   lied to me. I said, " Okay, well she said she left a note on the system, can you please check that? '' and  XXXX  said there was NO note. Now I was upset ... I asked  XXXX  to pull the call recording and he said that they are not able to pull call recordings older than 30 days now.     How convenient, no w Chase only has  to wait 30 days to renege on their promises to customers and take more than they gave anyway.
Consumer complaint received 2023-11-01
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)

These are the companies that I found on my credit file. These were done fraudulently without my consent. I dont know how my information was used to make these inquiries Ally Financial 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
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Check Recovery Bureau, Inc. (NC)

I am writing to file a complaint on XXXX XXXX XXXX. I opened a loan account with them on XX/XX/XXXX the loan was for XXXX with a monthly payment of {$190.00}. I started to make payments then I lose my job at the same time I was going through a divorce and was unable to continue to make the payments I spoke with the supervisor over there and informed him of the situation I was in he stated he would do his best to hold off. He asked if there was any kind of payment that could be made I said not really as things were really bad for me. In XX/XX/XXXX XXXX XXXX XXXX Charged off my account for non-payment as I was unable to make the payments.I was hit with a heavy penalty from the Credit bureaus. I was notified by a company about them being the new account holder. At the time I was unable to make any arrangements so I waiting til I was able to. I called the company their name is United Check Recovery Bureau , Inc . I sent up a payment agreement with them of {$100.00} to be taken out of my account monthly on the XXXX of each month. My first payment was to be a little more it was {$250.00} and there after {$100.00}. I made my first payment in XX/XX/XXXX and have made a payment each month. Well on XX/XX/XXXX I get an alert that I was hit with a serious delinquency on my credit reports when I called to check on what it was it was XXXX XXXX XXXX they had changed the status from charged off/ closed/ transferred to OPEN status. Now I haven't had any contact with them, only the United Check Recovery Bureau. I was now hit with another huge credit score drop. If my signed agreement is with XXXX XXXX XXXX XXXX how can XXXX come back and change the status to OPEN with the credit bureaus? 
I have now been hit twice by the bureaus and my score has dropped tremendously.
Consumer complaint received 2017-05-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: TRANSWORLD SYSTEMS INC (VT)

I had a lot of debt prior to my student loans and I was trying to get that under control so that I was able to pay back my student loans when the deferment period was over. I was scammed by a lawyer company that promised to help reduce and eliminate credit card debt to avoid bankruptcy. I lost over {$7000.00} in the process. I canceled my account with them and they only returned {$780.00} to me and did not help me handle my debt. I ended up filing bankruptcy in  XXXX .      Well ti me was coming where I had to deal with my student loans both private and federal. The private len der  XXXX  sent my d ebt to a debt collector  XXXX  and  XXXX . This debt collector contacted me and wanted me to pay {$2000.00} per month to clear the debt. I told them I could not pay that much. They proceeded to send me court papers to initiate wage garnishment. I made several attempts to go to the court and ask for lower payments. I was unable to talk to and person in the courtroom. I attempted to get a lawyer to help me with this situation and I could not find an attorney that would even touch the case.     Garnishments started in   XX/XX/XXXX   and continued til   XX/XX/XXXX ,  where the payments being taken out of my paycheck were being returned to me because  XXXX  filed bankruptcy. I believe I go t 6 of t he payments made, returned to me. The garnishment finally stopped around   XX/XX/XXXX .  No other mention of the garnishment was made until   XX/XX/XXXX   where the garnishments were reinstated and money again was being taken out of my paychecks.     At this point, the garnishments put me back into poverty. I lived in subsidized housing and was barely making ends meet just to pay my rent. I to ok two more  jobs to help me pay my rent. I even canceled my landline and my cable to help reduce my monthly expenses. I already use coupons and recycle to save money. Well, since I lived in subsidized housing, there were income limits to follow. In   XX/XX/XXXX , I  received a letter from my housing management that HUD was going to have residents that earned more than the income limits, move out. Even though I was above the income limits, I was being garnished so much that I would not be able to afford to live outside of subsidized housing. I was having a hard tim  e paying for rent as it was.
I had depleted most of my 401K account j  ust to get by and be able to buy food. I did n't even qualify for free food because I made too much money. Now I not only owe on the student loans, but now owe the IRS more than {$24000.00} (  XX/XX/XXXX   )  and roughly {$7000.00} (  XX/XX/XXXX   )  because of the money I have taken out prior to me turning  XXXX .     I have had to move back in with my mother and take a job that only pays $  XXXX /hour. This hourly wage, according to HR, is recommended for the 30 years of experience that I have in   XXXX  . At this point, I do n't know how I am even going to get started with regards to paying back these loans.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX / XXXX /  XXXX      XXXX   XXXX   to     XXXX   XXXX   I spoke to 2 representatives. One was a regular representative and the other was a supervisor named    XXXX   XXXX  fo r 39 m inutes about the glitc h the Trans-Union had that erased my inquires and they added them back without formal   communications about what had happened. Neither of the representatives helped me and I was told that they would not help me.
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Summa ry : Ocwen is not reporting Mortgage payment to any of the credit bureaus for over ( 11 ) M onths.     Made numerous contacts with Mortgag e Company and they investigated and concluded it was not being reported and gua ranteed that it would be reported as of  XXXX   2017 . As of this date it is still not being reported.     I have contacted their investors  XXXX    XXXX   and they too stated they would resolve this issue. There has not been any action taken on their part as well.
Consumer complaint received 2017-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

XXXX   XXXX   XXXX   XXXX   on  XXXX   XXXX ,  XXXX  working for  XXXX  at  XXXX   XXXX   XXXX ,  XXXX , NJ. I went to  XXXX   XXXX   XXXX   XXXX  and received   XXXX   XXXX  . I never saw a bill during that time, as my manager took me to the hospital and it was filed as  Workman 's Compensation. I re call receiving  one  bill at my home a few months later, which I immediately took to   XXXX   and was told it would be taken care of. I never received any other bill or correspondence from either the hospital or eventually the collection company. I pulled my credit report on  XXXX   XXXX ,  XXXX  in anticipation of beginning the home buying process. On it, there is a bill with a Accou nt Resolution Services , a collection agency, for {$810.00}, for my injury from  XXXX   XXXX . It was placed into collections on  XXXX / XXXX / XXXX . Again, I never received any notice about the bill other tha t the one time noted above. I never received any notice that it was unpaid, would be placed in collections, o r any bills from the collection agency, nor did I ever heard that   XXXX   received any mail in my name on the matter.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX , {$2300.00}, ask  XXXX   XXXX   XXXX  to removed this off my credit report because account is pa st 7 years old.   XXXX   XXXX   XXXX  said to me call Credit Bureaus.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

XXXX   XXXX  retaliated on   XX/XX/XXXX   after a complaint had been filed and Equifax allowed duplicate and triplicate reporting of debt to be placed again on my credit report. Some or most of the debt is NOT even mine. When I complained about the debtor changing account information from individual to joint they added more reports of debt to my credit history. I will never get out from under this mess unless I file bankruptcy which I should n't have to do since the Hospital wrote the debt off in   XX/XX/XXXX ,  XX/XX/XXXX  . The debtor   XXXX   XXXX   is pursuing me out of spite and malice.If I could have afforded to pay the  XXXX  bill I would have, I did n't have insurance or a job when I was hospitalized or my spouse being hospitalized for a Worker 's Comp Claim that  XXXX   XXXX   XXXX   XXXX  should have paid but did not. Please get this creditor to stop harassing me and ruining my life. I ca n't get a job, I ca n't get a loan, I ca n't do anything to help recover from this mess and most of the mess is not even my debt nor did I receive the services.which are exclusive to ONE persons being hospitalized getting care not joint. I did NOT sign as a guarantor on any of the paper work and the Provider is on a federal venue for indigent care. I qualify for care under that status alone. Equifax has a duty to prevent unlawful entries, duplicated entries and entries which demonstrate the creditor is abusing their power with repeated entries duplicate account numbers or the same account number being entered over a   XXXX    times with different amounts when the aggregate of that account should have been used once.
Consumer complaint received 2017-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

I FILES FOR CHAPTER  XXXX  PROTECTION IN   XX/XX/XXXX  . PAID INTO THE PLAN FOR 5 YEARS AND WAS  DISCHARGED  IN  XX/XX/XXXX . THE BANKRUPTCY FELL OF MY  XXXX  CREDIT REPORTS IN   XX/XX/XXXX . I HAVE A AMEX CREDIT CARD WITH A LIMI T OF  XXXX  WHICH I KEEP PAID OFF. I APPLIED FOR A   XXXX    AMEX CARD ON   XX/XX/XXXX   AND WAS DECLINED BECAUSE THEY SAID I FILED FOR A BANKRUPTCY. THERES NO COLLECTIONS, BANKRUPTCIES OR DEROGATORY MARKS ON ANY OF MY REPORTS. I BELIEVE THEIR HOLDING A OLD BANKRUPTCY AGAINST ME TO NOT EXTEND CREDIT TO ME AND THATS WRONG. THANKS I MIGHT ALSO ADD THAT THEY NEVER PULLED A COPY OF MY CREDIT REPORT EITHER TIMES IVE ASKED FOR CREDIT WHICH HAS BEEN A FEW TIMES. I HAVE ALERTS WITH   XXXX   AND THIS IS THEIR CREDIT REPORTING AGENCY OF CHOICE.
Consumer complaint received 2017-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I was told that it would be beneficial to consolidate my student loans since I was applying for the   XXXX    Loan Forgiveness. I called to verify that my consolidation would not affect by Bankruptcy Forbearance and was told it would not. Now, I am receiving a bill for {$1500.00} and was told that the loan was disbursed after my bankruptcy filing and was not included in the bankruptcy. I am currently in the middle of my Chapter   XXXX  repayment and my bankruptcy will not be  discharged  until  2019 . The provider acknowledged that I was provided incorrect information but told me there was nothing they could do. My only recourse was to contact my attorney. I am in the process of working with my attorney but this needs to be resolved. I was given incorrect information with a significant financial impact. FedLoan.org needs to be sanctioned and ordered to reinstate my bankruptcy forbearance. This predatory behavior is despicable and must be terminated immediately.
Consumer complaint received 2017-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

A bill pay check for {$310.00} was sent to  Wells Fargo  on  XXXX  against a closed account, and cashed by them on  XXXX . This was sent accidentally, as I have a valid car loan contract with them and the check was meant for that  (  second check was already issued for that ).     I believed since the account was closed,  Wells Fargo would act in good faith and not cash it. I called wells Fargo  as soon as I discovered this and was told it would be refunded within  two days. After a week with no refund/correspondence I had a conference call with my bank ( who issued the bill pay check ) and Wells Fargo  who assured me this would be refunded within a week.     It 's now  two weeks later, and 3 weeks since this has begun. Wells Fargo is  conducting radio silence, and every time I call, I 'm told they will look into this. As they promised resolution ( on tape ... I recorded the conference call ) and have not honored their word, contract, and to be honest stopped stealin g ( took money, nowhere to allocate it to, promised to reimburse ... now ignoring follow up requests ), w hat can you do against this theft/bank fraud?
Consumer complaint received 2017-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

ARS Account Resolution does not have a bond in Texas and can not legally collect a debt. They are violating the law and are completely disregarding the Fair Debt Collection Practices Act. This is my second complaint regarding this matter.      ARS  claimed to be a part of  XXXX   XXXX   XXXX   XXXX   XXXX , although the Texa s Secretary  of State does not have this information on file, which means that this company is using dishonesty as a scare tactic.     Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapte r 392 and may also be a criminal offense. Tex. Fin. Code 392.402.      I am in the process of filing a complaint with the BBB and the FTC for ARS Account Resolution 's BLATANT criminal behavior and underhanded attempts to try and break the law.    ARS is not LEGALLY able to collect any debt in TEXAS as ARS does NOT have a surety b ond, SO THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY or I will have to move forward with legal matters for  ARS 's failure to validate the debt, attempt at illegally collecting debt, and violation of HIPPA  laws.
Consumer complaint received 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: GOLDMAN SACHS BANK USA (NV)

Goldman Sachs failed to respond to CFPB complaintXXXX which Goldman Sachs raised additional questions in previous responses. NOTE : the below questions are the same questions we have already requested earlier this year which were not answered by Goldman Sachs. If Goldman Sachs answers these remaining questions honestly, we will cease and desist all complaints against Goldman Sachs. If Goldman Sachs fails to answer these questions, we will continue to file additional complaints until these questions are answered! Furthermore ; complaints against Goldman Sachs will be posted on the internet for all consumers to view which will not look good for Goldman Sachs!
NOTE, failure to address complaints may be a violation of federal and state laws! First, after purchasing our Note and Deed of Trust from XXXX XXXX XXXX in XXXX XXXX ; did Goldman Sachs ever sell, transfer or Reconveyance our Note and Deed of Trust which is located in GSR Mortgage Loan trusXXXX XXXX? Second, if so, who did Goldman Sachs sell, transfer or provide a Reconveyance too? Please provide documentation! Third, please provide dates with your documentation! Please respond to our questions accurately and provide documentation so we can resolve this matter. NOTE : forwarding this complaint to the servicer, XXXX XXXX XXXX will cause additional complaints to be filed against Goldman Sachs! These complaints do in fact pertain to our note and deed of trust which reflects how the servicer has failed to act in good faith which has violated our laws. With this being said, these questions are warranted due to the fraud and bad business practices that has occurred. Thank you for your time
Consumer complaint received 2023-02-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ALLY FINANCIAL INC. (GA)

On Saturday, XX/XX/2023 I transferred {$22000.00} from my savings account to my checking account. On the same day I made out a check for {$22000.00} to XXXX XXXX XXXX XXXX XXXX dealership. 

On Friday, XX/XX/XXXX the dealership called me and told me that the check had bounced. 

I immediately called Ally customer service and the representative could not figure out why the check had bounced. She placed me on hold several times and finally dropped off of the line. 

I called again and spoke to another agent who transferred me to " loss prevention '' who performed some research and could not figure out why the check had not been honored. She recommended sending a wire which I did. I'm waiting for the wire to clear. Fee for the wire is {$20.00}. 

I would like to request CFPB to demand that Ally inform me why they did not honor my check when the funds were in the account. This has been very embarrassing. Thanks for your assistance.