davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (PA)

On the XXXX of XXXX I initiated XXXX deposits into my account for {$3000.00} and {$1000.00}, the first from a debit card and the second from a checking account. XXXX later my account was placed under review and all actions, withdrawals most notably, were XXXX without any explanation. It's worth noting possibly that I have used this account extensively for months and have used their debit card deposit feature, which normally had a limit of {$1000.00}, and XXXX days prior to XX/XX/XXXX I noticed that my personal limit was increased to {$3000.00} for debit card deposits and so this was the first time I'd made a {$3000.00} deposit. 

The restriction was hard to understand on what exactly they wanted, they requested XXXX for the bank statements for XXXX different debit cards but they only allowed me to submit XXXX XXXX  ( I would later realize that I had to hit submit, and then it would put a checkmark on XXXX of the debit cards to show i submitted a XXXX, then id have to go and submit another XXXX ) but it was about XXXX days later on XX/XX/XXXX that I figured out how to submit the first round of XXXX which was a friday. Understandably, I didnt get a response until teusday of the next week but the response was " we'll call you '' and so they continued to try and call me even though I told their support to email me because it's easier to communicate. throughout the week of the XXXX I had to get on the phone XXXX times for them to ask me simple one-sentence questions, and every time I answered the question my account still was in review and it said " we'll resolve your review by XXXX '' and then whenever blank date came up I would check the app and it would change to say the next day. this went on like i said for the entire week. 

It's now XX/XX/XXXX, XXXX weeks later, and I've still not communicated directly to the team handling my case, every time i call i am only allowed to talk to the absolute lowest level support rep and they wont transfer me, and support reps ask me again short questions and tell me that its impossible for me to talk to the team who's handling my case " because they dont have an email or phone number '' ( exact words that i've been told ). my {$4000.00} is unable to be withdrawn or moved, even back to my own accounts, and I also have {$20000.00} in a retirement account on this company and they wont allow me to access that either and they wont tell my why or how i can help work through this, they just keep asking me XXXX or XXXX new questions and then they tell me to wait.
Consumer complaint received 2024-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

In the month of XX/XX/XXXX, I called XXXX XXXX XXXX to inquire about why my insurance had increased. It was explained to me due to a ticket I received for speeding, driving XXXX in a XXXX XXXX zone caused my insurance to increase. The representative explained to me that when you pay for ticket and complete driving school my account will be adjusted. I was informed to contact XXXX back when ticket is resolved and request adjustment to payment. In XX/XX/XXXX, I completed driving school and requested to the court to remove point off my record, which the court did. I contacted XXXX back as told, the representative asked that I send over proof of completion so that she can send to underwriters to request an adjustment in payments. I was informed the payment could not be adjusted until the following year. I initially called XXXX because my payments had increased to an amount I could barely afford to pay and to be told it wouldnt be adjusted. Therefore from XX/XX/XXXX til XX/XX/XXXX I was paying a payment that was inaccurate. I was paying as though I still had a point against my record when it was removed by the courts in XX/XX/XXXX. XXXX reported to the XXXX that I was aware of the increase and I renewed my coverage. This is not true I was on Automatic Renewal and coverage renewed each year automatically. Is it fraud for XXXX to insist that I make payments on the coverage when it was inaccurate.
Consumer complaint received 2024-06-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Nationwide Loan Consultants and Advisors, LLC (FL)

XXXX from Nationwide consultants called me about a loan on the XXXX, I requested only {$20000.00} but stated he managed to get me more which was XXXX. I then saw a XXXX on the breakdown and asked I'm hoping I'm not paying that amount he the reassured me by sending his consultants docs with their fees and mentioned not once about other fees. I requested to cancel the loan on the same day of the application. I got curious as {$26000.00} was reported on my credit which I disputed. I spoke with his manager XXXX who advised me that he will listen to the recordings and if I'm in the right he will refund their fees which was honored. XXXX went ahead and created a XXXX account without my consent, all the emails that upstart loan company email me was unopened the entire time. XXXX advised me that the way their company functions the borrower has to to the application themselves and he should not collect my information including my social and bank in. The manager XXXX advised me that they don't know who Nationwide is. XXXX distracted me by sending his documents with his fees when I asked what is the XXXX for he said I'm not paying that only what's deposited in the account. XXXX made me felt like he was my to go guy during my loan process and now I should be responsible for origination fees of {$3000.00} plus. I'm seeking for a solution to my situation but, end up in a worse place. I told the general manager XXXX that their company is know for this as I have seen other complained with the XXXX yet they continue to misrepresent others in need. I'm a single person at home with a mom with XXXX XXXX and I know that I would never take out this loan if XXXX was transparent but, the company should not be let of the hook as I intend to take them to see the Judge. I pay minimum payments on my cards but no creditors looking for me I have excellent payment history in spite the struggles.
Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: JPMORGAN CHASE & CO. (CA)

In XXXX, the mortgage division of Chase unilaterally changed the interest index long-applicable to our home loan from the XXXX rate to something called the XXXX rate. The change was not done in compliance with the terms of our loan, which required both explained compatibility between the old index and the new index, and transparency in the process. Instead, Chase simply sent a letter announcing the change, without explanation of its work process. To our research, the XXXX rate does not look compatible at all. The net effect was to force our interest rate up 2.5 % ( 2 % in XXXX, .5 % in XXXX ), to the very ceiling of the interest rate allowed by the loan terms. Chase also did not explain the timing of the notice of index change or the rate hikes, as notice appeared both substantively and procedurally deficient. 

Based on the terms of our mortgage loan, requiring both compatibility and transparency in the result of any change in interest rate index, I attempted to ask the following questions of Chase 's loan servicing customer service unit, and then, failing any meaningful response from a team clearly not trained well in well in the index transition, to the escalation team, supervised by XXXX VP XXXX XXXX XXXX and delegated to escalations agent " XXXX '' XXXX How were the XXXX and XXXX indices " compatible, '' as required by our loan terms, with support for that determination. 
When was notice of the change of interest index due? It would seem that at least 180 days would be reasonable, but certainly no less than XXXX. 
How were the interest rate increased calculated and arrived at under the next index? The notice letter did not explain this in a transparent way. 
When was notice of the interest rate change required? Again, at least 90 days before the months it would kick in, to allow for planning and questions, would seem appropriate. 
What training was done at the Chase customer-facing levels ( customer service, escalations ) to ensure a smooth, compliant, and capable transition to the new rate, with questions of the sort above able to be supportably answered? Training appears entirely deficient. 

Chase 's mortgage customers, including our family, deserve straightforward and supported answers to these questions. Even at the escalation levels, through XXXX XXXX and escalation agent " XXXX, '' who seemed entirely not up to the task, was unwilling to research the answers, and disregarded a planned phone call without advance notice of absence, there was no meaningful assistance, and no compliance with our consumer rights. Kindly investigate and respond.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

I opened up a synchrony card through a XXXX promotion. I scheduled bill pay to be set up through my XXXX XXXX account. I mistakenly added the wrong address to the bill pay ; the XXXX headquarters instead of synchrony 's address. 

The first XXXX of XXXX payments went through electronically so I did not catch the mistake. These reached Synchrony card and those transactions were cleared as paid. 

Payment XXXX - XXXX - {$54.00} Payment XXXX XXXX - {$120.00} This is when things changed : Checks started to be cashed in person at XXXX XXXX  XXXX XXXX - XXXX This charge was the same amount for XXXX that was electronic. 

Check XXXX - XXXX {$52.00} Check XXXX - XXXX - {$120.00} Same as the electronic payment above. 
Check XXXX XXXX - {$43.00} Check XXXX XXXX - {$130.00} Check XXXX - XXXX {$49.00} XXXX I spoke with XXXX at XXXX XXXX XXXXXXXX and he worked to resolve the issue by stopping any further checks from being cashed. The first XXXX were too late. He was able to stop XXXX check. Letter included.

All these payments were cashed from a printed bill pay check manually at chase bank. I have spoke to XXXX and XXXX multiple times and they are not even affiliated with each other at all. That is the first time I realized that this was fraudulent activity. XXXX XXXX  confirms the fraud with letters attached to check. 

Synchrony refund me the full amount of the XXXX checks {$450.00} on XXXX I thought the issue was resolved. Then on XXXX Synchrony added all these charges as a correction back to my account with an additional interest of {$5.00} I have paid all of these payments in full, someone has the money through a chase bank. The back of the checks show the chase information. 

Please help me get this resolved.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit reporting act this creditor ( XXXX XXXX  ) has violated my rights under 15 USC 1681 section 602 states I have a right to privacy, 15 USC section 604 ( A ) sec 2 a consumer reporting agency cant furnish my account without my written consent which I did not provide and with out this information this account should be deleted immediately.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (FL)

Several months ago we received a letter from JP Morgan Chase Bank informing us that there was an issue with a trust that we have on file with the bank. The letter stated that our checking account would be frozen if the issue was not addressed in a timely manner. We brought the trust documents to our branch where we were assured that the matter would be resolved. Several weeks later we received the same letter. We brought our documents back to the branch and again we were given the same assurance. A few weeks later we received a third letter from Chase and went through the same procedure one more time. Finally Chase froze our checking account without prior notification or warning. Chase took this action because the names on the trust and on our bank accounts were not identical. The bank is entirely responsible for this error. The freeze caused automatic payments originating from our checking account to be withheld. We incurred a convenience fee of {$3.00} from XXXX XXXX XXXX XXXXXXXX and a {$25.00} dishonored payment fee from the XXXX XXXX XXXX XXXX XXXX Department. We requested that the bank reimburse us for these fees in addition to compensation for the aggravation and embarrassment we experienced as a result of their mistake. We subsequently received a phone call from the banks complaint department informing us of their receipt of our formal complaint. We were told Chase Bank is not liable for these errors and owes us nothing. As longtime customers of Chase, we are appalled at the treatment we received. We believe that we should be compensated for our expenses and the ordeal we experienced.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Valor Intelligent Processing, LLC (TX)

Dear XXXX XXXX XXXX XXXX, I hope this letter finds you well and in good spirits. I am reaching out with respect and kindness, and I trust we can resolve the matter at hand with mutual understanding and compassion. 

Recently, I received a notice from your office regarding an alleged debt on behalf of the XXXX XXXX XXXXXXXX XXXX ( XXXX ). As someone who values transparency and accuracy, I am kindly requesting that you provide full validation of this debt. This request is made with the hope of ensuring that all details are correct and that any misunderstandings can be cleared up with love and respect
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I called wells Fargo to get clarification about using the balance transfer promo that I had used before! I asked about the fee and if any interest would be charged! I was told that there would be a 3 percent fee but no interest for the promo period ending in XX/XX/XXXX. So I requested the transfer and gave my consent! Months later, I noticed that interest was being charged each month. So in XXXX, I called wells Fargo to find out why. I was told that it was for purchases, because that's what it appeared to be on the statement. Very confusing.! So I objectedand was placed on hold, and the representative came back and asked me if I had done a balance transfer over the phone or online. So I said to her that it was done over the phone. I requested that the interest be taken off of my account. So she said that wells Fargo would investigate and I would hear back in about 5 days. I didn't hear back for a about 10 days so I caked back and was told again that they were investigating. I kept calling for about a month before a gentlemen called to say that he heard my conversation in XXXX with their representative and he said that the XXXX time she mentioned the interest charge for the balance transfer. I disagreed with him. He said that the terms were mailed to me recently. But I hadn't received it until a week later. I have requested that the interest be removed and I also want the late charges removed while this matter is being resolved. I sent this request by email on XX/XX/XXXX!
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Covid-19 pandemic unemployment insurance with bank of America I was informed by the IRS a claim was filed in my name of {$19000.00} from California my identity was stolen .this matter has been disappointing all this time I could not file for unemployment because someone has use my information already. Time after time I can remember trying to get through to unemployment but later learn by the IRS {$19000.00} has been stolen from me.Bank of America was just giving anyone money I know some banks want ss card I'd card and a second debit card with a proof of address.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )