davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

Back in late XXXX I noticed charges in my account that were not made by me and these charges kept showing up over and over again in my account. I tried numerous times to resolve it with the merchant ( XXXX ) and the only thing they could do was confirm it was fraud and told me to take it up with my bank since the scammer apparently was charging my card then calling and getting refunds sent to another card. XXXX refused to give me that statement in writing. I filed a police report and the police sent a search warrant to XXXX to release the data for the charges. My sheriffs office received that data that did confirm the charges were made in states that I have never been to or lived in so the police confirmed it was indeed fraud charges. This report was sent to Chase and they still denied numerous times to reverse those charges. They told me to deal with it outside of Chase which to me is so wrong considering I had hard proof of the fraudulent charges.
Consumer complaint received 2024-08-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (CA)

Today, ( XX/XX/2024 ) I received a call at my office ( Employer ) from XXXX XXXX from Navient ( XXXX ) XXXX harassing me regarding a personal loan debt. I advised XXXX XXXX to never call my employer and to send all current and future communications to the address they would have on file. XXXX XXXX was demanding I discuss a debt that I am unfamiliar with and advise him to never contact my employer. He suggested he was calling regarding a " Business matter '' as in fact this is not a business matter but to harass on alleged private student loan debt. Before I disconnected the call, I inform him to send me whatever alleged loan debt he has to send me the information via mail or email and I would forward this information to my attorney. I requested him to stop calling me at my work place.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year> I made a payment to Chase credit card of {$200.00} but my payment was not applied correctly and did not reflect in the amount to avoid interest, I called customer service and they did not give an explanation then hung up
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (GA)

I would like to file a complaint against XXXX XXXX, XXXX XXXX, IC Systems for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/year>
Consumer complaint received 2023-04-07
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the fair credit Reporting act XXXX Accounts of capital one and credit one bank, have 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 an account without my written instructions. 

15 USC 1666B : A creditor may not treat a, payment on a credit card account under at open end consumer credit plan as late for purpose.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Request for Correction of Personal Information on My Credit Report I am writing to bring to your attention an inaccuracy in my credit report. It has come to my notice that my credit report includes some outdated personal information, specifically old addresses and phone numbers. These inaccuracies are a cause of concern for me, as they may potentially lead to incorrect assumptions or conclusions about my creditworthiness. 


Address:XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX Phone Number : XXXX I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information on my credit report. I am therefore asking for your assistance in investigating and resolving this matter promptly. 

Attached to this letter are supporting documents that substantiate my claim. These include [ list any documents that you have that support your claim, such as utility bills or a lease agreement showing your current address ]. 

I appreciate your prompt attention to this matter. Please let me know if you require any additional information or documents from me. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Began mailing in certified USPS letters to XXXX, XXXX and Equifax requesting the 30 day investigation on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> I have sent six dispute requests in to each of these companies with no follow-up. In fact, they aren't providing me with a human experience or investigation, they keep sending me a postcard even though I sent them my ID and a utility bill which is what is asked in order to open up a dispute. When I call in, I can never get a human on the phone to discuss my disputes. I am filing a grievance over the fact that these companies are mishandling my consumer report and violating my rights to the Fair Credit Act.
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC (NY)

A client wanted to pay me using the Zelle app. He was unable to do so. 
On his end, the app said it was because my account has a XXXX debit card. I think it is inappropriate of Zelle to tell that kind of information, as it crosses a line into personal information. 
When I called Zelle to complain they were belligerent in their opinion that it is not personal information. They were uninterested in helping. 
This was a humiliating, frustrating, unnecessary experience. At all levels of their Customer Service department their attitude was that I have no say in this. " So what if someone is told that you have a debit card attached to your account? Lots of people do. '' As I do not want to have any level of personal information given out to people I will close my Zelle account and no longer accept payments through that app. 
This does not resolve the systemic problem of Zelle giving out private information like what kind of card or account is linked to someone else 's account. 
Ironically, they would not talk to me unless I read back a code they texted me. Talking with me about my personal information is very secure. Telling other people about my personal information is, evidently, fair game. 
If they want to refuse to process a payment that is fine. They should simply say " Zelle is unable to process this payment. '' If they want to then raise the issue with me that would be great : " we were unable to accept a payment to you because of the following reason : '' Then I could dispute or investigate as required.
Consumer complaint received 2024-08-07
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: JPMORGAN CHASE & CO. (FL)

I applied for the promo attached for {$100.00} reward credit statement for the Amazon visa issue by Chase bank. 
However I have not received the {$100.00} I keep being bounced around between this XXXX misleading companies. At the end of the day the product is Chase, its a credit card managed and issued by Chase bank since same on their misleading partner doesnt want to be responsible to issue the promo then I need Chase to step up and be responsible for it. If failure to do it misleading complaints regarding advertising will be submitted to attorney general.
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (HI)

I am writing to report an issue I have encountered with activating my XXXX credit card after switching from an XXXX to an Android phone. 

Several years ago, I used an XXXX and had an XXXX credit card issued through Goldman Sachs. Since then, I have transitioned to an Android phone. My XXXX credit card has expired, and I am unable to activate a new card due to the requirement of having an XXXX. Despite owning multiple XXXX devicesnamely an XXXX, XXXX, and XXXX am still unable to complete the activation process. 

I have logged into the XXXX XXXX XXXX and have contacted customer support for assistance. However, I was informed that activation can not be completed without an XXXX. According to customer service, the only resolution offered is to file a formal complaint. 

I am seeking assistance in resolving this issue as it has caused significant inconvenience. I would appreciate any support or guidance you can provide to help activate my credit card and address the requirement for an XXXX. 

Thank you for your attention to this matter.
Consumer complaint received 2024-05-15
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

went to car dealership they put more inquiries 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 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and another personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-08-11
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: EQUIFAX, INC. (CA)

My identity had been stolen many times, and I had to replace my first name with a new name, but it was not enough to keep my info safe. Still, I have an Open free account with XXXX XXXX XXXX, and I always receive XXXX XXXX Alerts and other Alerts from them, the last alert was about my Credit Card. My credit report shows that I have 5 inquiries that I have not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX
Consumer complaint received 2024-08-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: GOLD STAR MORTGAGE FINANCIAL (CA)

We have requested these documents in writing via certified mail to XXXX XXXX, Chief Legal Counsel for Gold Star as of XXXX and confirmed Gold Star received this request. Gold Star has ignored our request.

1. Settlement Statement ( HUD-1 ) or other legal government loan document used by Gold Star Mortgage Underwriting prior to disbursing funds and signed by Gold Star employee ( s ) as part of the settlement package to confirm for Centennial Escrow that the name of the party to be paid as seller was correct and that Gold Star was in agreement with Centennial to disburse loan funds to the party named on this document. 

XXXX. Please provide Gold Star 's copy which was actually signed by the Gold Star employee who is responsible for approving Gold Star fund disbursal from Gold Star to Centennial Escrow on XXXX. 

3. All signed Estimated Settlement Statements and Final Settlement Statements produced by Centennial Escrow and provided to Gold Star, whether signed or unsigned by Centennial Escrow or Gold Star employees.

4. A copy of the sales contract with buyer and seller ORIGINAL signatures, which, per Centennial Escrow, was requested by Gold Star on XXXX, after Gold Star had already received our XXXX sales contract dated XXXX and with the binding counter offer dated XXXX. 

5. Copy of the original VA Loan Notice of Value ( NOV ) signed by the Lender 's Staff Appraisal Reviewer or VA Staff Appraiser approving this property for a VA home loan as required prior to loan funding
Consumer complaint received 2024-08-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC. (MD)

In tax year XXXX, I was in the unique situation of having 3 different employer-sponsored XXXX XXXX Accounts. I started the year with an Optum Bank XXXX, but switched to a new job in XX/XX/XXXX, and as a result received a new XXXX account through XXXX XXXX XXXX. I rolled my previous Optum Bank balance into my new XXXX XXXX XXXX. Then, in XX/XX/XXXX, my new employer switched XXXX providers, from XXXX XXXX to Optum Bank, so I received a third new HSA account in XXXX, and second through Optum Bank. I rolled my XXXX XXXX XXXX balance into my new Optum Bank XXXX account. 

Through all this complexity, I accidentally contributed a total of {$4900.00} across my 3 HSAs in XXXX, which is {$1000.00} over the IRS limit for XXXX contribution in that year. Since I only currently have access to my new/current Optum Bank XXXX account XXXX having rolled over the balances of my other XXXX and closed those accounts, I submitted an excess contribution request with Optum Bank XXXX XX/XX/XXXX after starting the process of filing my XXXX taxes and realizing my over contribution error. 

However, after over 5 months of repeated attempts, they are refusing to process my excess contribution correction. This is due to the fact that I only directly contributed {$950.00} to my current Optum Bank XXXX in XXXX, and they are rejecting my requests saying that the amount I am requesting in the correction ( {$1000.00} ) is higher than the amount I contributed. 

Ive attached for your reference my original excess contribution correction request form that I submitted to Optum Bank in XX/XX/XXXX, as well as two of the email rejections I received refusing to process my request. 

I have spent countless hours on the phone with customer support trying to process this correction but have yet to make any progress.
Consumer complaint received 2024-08-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I paid off my auto loan with USAA in XXXX, but didn't receive a copy of the amended title. CA XXXX states that USAA completed the form incorrectly, and that I must now pay to get it amended before I can get a copy of the title. I need a copy of the title as I have recently relocated to XXXX, where I need to register my vehicle. USAA rather than completely release the Legal Owner, just transferred the Legal Owner to my name, so I am currently listed as both the Registered Owner and Legal Owner. CA XXXX XXXX that this is not correct, and that in order to get a copy of my title I now need to remove myself as the legal owner ( leaving me only as the registered owner ) by filing an Application for Replacement or Transfer of Title ( XXXX XXXX ) form. XXXX XXXXXXXX XXXX that this was an error on USAA 's part but while USAA acknowledge that they did exactly what the XXXX XXXX they did, and don't suggest that the XXXX is wrong, that they didn't make an error and that they did it that way intentionally. 

A {$27.00} Replacement Title and {$15.00} Title Transfer Fee will be charged to process this request by XXXX XXXXXXXX, and despite acknowledging that they did process the transfer in the way the XXXX XXXXXXXX stated, they are refusing to acknowledge that they made an error. I also need to pay to get the form notarized. 

Additionally I was told by USAA twice that the title was mailed to me, which it wasn't. Which they refuse to acknowledge or apologize for.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KS)

On XX/XX/year>, I sent a letter requesting that my information be opt-out of any and all reporting the the credit reporting companies. I have not received any update nor have the information was removed from my consumer report. It is the CFPB 's responsibility to enforce action on my behalf.
Consumer complaint received 2024-06-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: SOFI TECHNOLOGIES, INC. (GA)

I received {$2400.00} On XX/XX/year> into my new Sofi Bank Account and I transfer {$150.00} to another Sofi bank account after XXXX hours of receiving the {$2400.00}. I also transfer {$850.00} to another Sofi account after XXXX hours, the I notice someone got my debit card trying to remove {$100.00} XXXX times and {$75.00} ones. I try to decline the debit card transaction but I notice my account was restricted immediately. And I got debited {$270.00}, I called Sofi bank immediately and spoke to there customer care they told me it will be unrestricted in XXXX weeks after XXXX I called them again they told me to wait for another XXXX week. Since then I try all my best they keeps posting me
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX illegally repossessed my XXXX  XXXX XXXX that I was current on with payments computer error. The tow company they hired destroyed and totaled out my beloved car which had a new motor replacement for XXXX just before illegal repo and destruction of car. XXXX agreed of this grave mistake and sent me my title and it was agreed upon with XXXX XXXX that my credit would reflect paid off in good standings, which XXXX  has been negatively affecting my credit because of the inaccuracy of 90 days late and XXXX balance. XXXX  has done this maliciously because, I call weekly to have removed, I disputed multiple times with all three credit bureaus to not have any form of resolution. I am intending to use my consumer protection laws and seek restitution from credit bureaus and also XXXX in lieu of XXXX per each infraction. 15 USC 1681n is the code. I anticipate quick resolution and if any other information is required please feel free to contact. 

Thank you, XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank took over my mortgage from Guaranteed Rate. I called them because they increased my mortgage. I spoke to a rep from Chase and she told me not to pay the increased amount until the issue was investigated. I followed the instructions and Chase charged me with being late and says due to that I can not have my PMI taken off until 2027. I have never been late in the total time I had the mortgage. This is a form of robbery with the PMI.