davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

I have been a loyal customer of Chase Bank for over XXXX years. I had a checking account, and multiple credit cards with them. I always made my card payments on time, and never missed a payment. However, last week Chase closed my bank account, and canceled all my credit cards with NO NOTICE or explanation. Chase Bank did not make ANY attempt to notify me of this drastic action : no letter, no email, no phone call. I am still making timely payments to their cards, and being charged interest, without being allowed to use the cards. 

I found out that there was a problem when my credit cards were declined at a gas pump. I immediately contacted Chase Bank to find out why this happened. I have spoken to several people at my bank branch, including the bank manager. They were unable to tell me why it was happening to me. I also contacted people in other departments, and they were unable to give me an explanation for why they closed my bank account and canceled my credit cards. I have done NOTHING wrong! 

Since they closed all my credit accounts, my credit is now destroyed. I have been a loyal customer for XXXX  years! I am shocked that this is happening to me. Their action has quickly ruined my credit. In a few months, I need to apply for a new apartment, so this also affects my ability to find housing. 

Chase Bank needs to be held accountable, and must reverse this decision, and give an explanation. Perhaps someone in their office made an error, as this makes no sense at all. As a banking institution, they should be trustworthy, and know how to do their job effectively. I am a hard-working member of society. I have a job, I have a XXXX, I pay my bills on time. Something needs to be done immediately to reverse this action. This is wrong, and not ethical. Chase Bank has destroyed my livelihood.
Consumer complaint received 2024-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Since submitting the appeal, I have eagerly awaited any update or acknowledgment from the Consumer Financial Protection Bureau ( CFPB ) regarding the matter. Regrettably, to this date, I have not received any communication or indication that my appeal is being addressed or considered.
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

Summary of the Situation : On XX/XX/XXXX, i attempted to send XXXX to your mother in XXXX using MoneyGram from XXXX. 
The money was deducted from my XXXX XXXX account, but the transaction was canceled by MoneyGram.

MoneyGram 's terms and conditions state a refund within 4 business days for canceled transactions, but i haven't received it. 
My attempts to contact MoneyGram for help ( app tickets, phone calls, agents ) were unsuccessful.
Consumer complaint received 2024-06-12
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp. (IL)

On Friday XX/XX/year> I received a credit monitoring alert that there was a collection placed on my credit report by TrueAccord Corporation claiming to be the ( Original creditor ) in the amount of {$89.00}. After doing my research, XXXX aka XXXX is the original creditor that sold the debt to TrueAccord. TrueAccord is NOT the original creditor and NEVER sent notification of the collection. Their practices do not appear to adhere to ethical standards as TrueAccord Corporation has improperly reported a debt to the credit reporting agencies without meeting their obligations under the Fair Debt Collection Practices Act. This item entry should be removed until proper notification regarding the debt are met.
Consumer complaint received 2024-06-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (FL)

Sold one of my cars and deposited check into Navy Federal. Waited for check to clear and when it did I attempted to withdraw some cash while on vacation to buy another car. Bank froze all of my accounts, blocked me from online and in person and ATM and credit card access. Unable to use any of Navy Federal accounts or services or my money in their systems. Fought with bank for hours on the phone and did not get reason or justification why all my accounts were frozen and halted. It was weeks before I could gain access to money and services again with Navy Federal. Still do not have justifications or reasons.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (CA)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, California XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Pulled my credit report and have 5 bankruptcy reporting in Experian and one in XXXX and XXXX I have never filed bk and I dont know what to do .... please investigate this and get to the bottom of this ASAP
Consumer complaint received 2024-06-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (GA)

on XX/XX/XXXX, I wanted to purchase a XXXX XXXX XXXX. I went to a dealership in XXXX Ga, and applied and was approved with a XXXX down payment. After a couple of days the XXXX was sold and the lender XXXX XXXX with Lendmark in XXXX XXXX, called me and said I was approved, and he had a guy that sell cars. So he had XXXX XXXX to call me and he sent me pictures of a XXXX XXXXXXXX XXXX  that was nice. So XXXX drove the suv to the store and I test drove it, and it was ok. It did have a squealing noise that later I had to fix. So XXXX bought the buyers orders, and I look at them, and did the paperwork with my down payment. Then after that XXXX did my paperwork electronically and I agree the payment of XXXX a month was ok because I told him I was gon na pay it off in a year. I also asked XXXX about a prepayment penalty and he said there was not one. He lied. XXXX never printed off the contract for me, never sent it to my email either, I really thought that I had it with my buyers orders, because if I knew the interest rate was 30 %, I never would have taken the loan for XXXX plus interest. So far I have paid XXXX in payment and XXXX down, but It is showing I owe more that I have paid out, and I have been calling for two weeks for a copy of my contract and payoff and no one have given me what I asked, XXXX at the XXXX XXXX finally sent me a copy of the contract, but not my payoff requested. Lend mark have nondisclosure issues and has been ripping a lot of people off, because I look at the reviews on the XXXX. I have tried reaching out to XXXX XXXX the loan officer with no response. I have reached out to Lendmark corp. office in XXXX XXXX, and XXXX XXXX XXXX. I have not made a payment for XXXX because they have not sent me my payoff. Their contact number is XXXX, XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX the loan officer XXXX. This company need to be fined and or need to be sued under a class action law suit, for unfair lending and non disclosure lending practice.
Consumer complaint received 2024-06-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (FL)

Attempted to wire money to my friends in XXXX whonarr training my dog. Deposited money with Navy Federal and filled out paperwork to wire to XXXX bank account. The bank took the money, took the paperwork, but never submitted the wife transfer. I found out 45 days later when my friends asked about the money. Navy Federal once again took money, did notnperform services, and did not justify or notify me of anything. Went into the bank many times and was not provided any answers as to why the wire transfer did not get submitted.
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (MD)

I took a loan of XXXX XXXX dollars which I made ten payments of XXXX XXXX and XXXX dollars monthly until i was able to save enough to pay off the the debt. On XX/XX/XXXX, spoke to a rep and requested for a quote for the remaining balance of my debt. I was informed of the amount and I gave authorization for the funds to be deducted from my account. After few days, I checked my account and noticed that there is still a remaining on my account after paying off the and on the same month XX/XX/XXXX, my account was reported to the credit bureau for late payment. I made multiple calls to have an explanation of why the remaining on my account after paying off the debt. They will put me on hold for more than thirty minutes and the hanged. At least on two occasion. When i was finally able to get hold of someone to speak to, I was told after paying off the debt, I still have a balance to pay off as the interest rate. To sum it up, customer service is very unprofessional causing me more agony and dissatisfaction.
Consumer complaint received 2018-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC (PA)

No contract with company. They refuse to send out proof of this matter. When I ask about this account I get a ride response. I do not know about this company they say they are a third party that brought account. I never signed anything with them
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MS)

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Please update the following account and paid, never late. 

Discover Bank Ending in XXXX Date of Late Payments- XXXX of XXXX XXXX, XXXX & XXXX of XXXX
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I woke up this morning, XX/XX/year>, with an email saying my two XXXX checking accounts will be closed for " potential fraud '', but I've done nothing but buy crypto using XXXX. 

I contacted customer service 2 times, and spoke with XXXX different representatives and they didn't tell me why I was restricted and said that my accounts would be closed in around 7-10 business days. 

My problem is that not only can I not access the cash I have, but I also get direct deposits from my job there ( one coming tomorrow ). I was told I wouldn't be able to access it until they send me a cashier 's check, which I was told would take 2 weeks AFTER the account closes. So in other words, my money is being delayed for a month when I have bills and cards to pay. Such a delay can ruin the credit score I've been working on since last Christmas because they want to play with their rules, completely ignoring the customer and their issues. 

Additionally, I have a refund transaction from XXXX coming in that I do not know I'll get because the bank said I won't be able to receive any payments. I'm so confused and disappointed in my money being delayed. 

Ideally, I'd like for the funds to be transferred to another bank account, or even my credit card account I have with Chase ( which wasn't restricted ) Please help me, I'm a student with already a lot of debt, working a minimum wage job. To keep my money from me is a crime and XXXX doesn't care.
Consumer complaint received 2024-06-11
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

On XX/XX/year>, which was yesterday, I paid on my Macys bill online on their website. It was paid online well before midnight Eastern time. I received a confirmation email stating the payment amount ( {$120.00} ), the scheduled posting date ( XX/XX/year> ), and my confirmation number ( I can provide it per your request ). On this same email with said information, it also says Payment requests received by midnight Eastern time will apply to your account the same day. If my payment was indeed late, the posting date would be different but it was not. The email says XX/XX/year>. Today I was charged an unjustifiable {$30.00} late fee on my account. I reached out to Macys immediately. I requested them to remove the late fee immediately because I paid my bill on time. Macys refused. This is frustrating to have babysit this account. I love shopping at Macys but this is definitely changing my relationship with them. I have been targeted while being a loyal paying customer and always pay my bill on time or even early. I should have to go through all of this, yet here I am again due to Macys. So disappointing and not right. Please remove the unjustified {$30.00} late fee immediately and provide more than just your apology. This takes a lot of time and effort to have to contact Macys, try to get this resolved with no resolve then have to come to CFPB to file a complaint for something Macys could have fixed the first time I contacted them or not have to fix at all if the charge was not charged when the bill was paid on time. Why treat me, a loyal paying customer, this way?
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XX/XX/year> Bank of America sent me a text saying that my business checking account was in overdraft. I logged into my account and noted that {$310.00} was charged to mu account. I had no idea where it could have come from. I disputed the charge and filed the necessary ACH forms. I was told my Bank of America that because I did not report it the day that it happened, I had to wait for an investigation. I waited for a few months. I received a docu-sign agreement with my name on it. I never signed this agreement. Per Bank XXXX rules, all docu-sign agreements must have a hard copy of the persons actual business signature. Bank of America have never produced any document with my signature giving XXXX Bank and or XXXX XXXX to debit my account. I originally called Bank of America between XXXX and XX/XX/year> to discuss a merchant account. I gave the agent XXXX XXXX XXXX my information and told him that I was interested in getting a merchant account. He told me that the merchant account would cost me {$470.00}. I told him that I did not want it. He asked if he could call me right back. I said yes. He called my on his personal number. I didn't think anything of it at the time. Once I saw the docu-sign paperwork, I began looking through my computer and my phone to see it I had spoken to anyone during the alleged authorization period. I found phone calls to XXXX and from XXXX XXXX XXXX during this time. I checked my computer to see if I might have sent a response. There is no response from me to Bank of America, XXXX XXXX or XXXX XXXX. I offered to allow Bank of America to look at my IP address to confirm that I did not respond to the offer for a Merchant Account. I asked for a copy of my real signature giving them permission to charge my account and they have not been able to produce my signature, or a voice recording of me giving them consent to debit my account. 

XXXX XXXX XXXX intentionally debited my account without my permission. I have attached my records for your review. I have enclosed Bank of America 's response for your review. I have attached my documents and Bank of America 's response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (FL)

I applied for the Florida mortgage assistance fund ( HAF ) and was approved. The letter is attached. It is under the name of XXXX XXXX as he is the resident living in the home. I am the authorized representative. Since XXXX the state of Florida is saying they have sent monthly mortgage payments that Flagstar claims they arent receiving. I have been told by the state that the payments are being sent as one large check and the lender has to credit individual accounts. Despite relaying this to Flagstar, I am being told they have not received any payments. I am being assessed a late fee each month and stuck in a battle between the lender and the state of Florida. Yesterday, I received a notice to escalate. It seems as if the lender is using this to collect late fees. I am aware that the state is sending payments as I know other program participants and have other payments through the program that are being paid.
Consumer complaint received 2024-06-12
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (DC)

This is in reference to case number XXXX. The response I received was unsatisfactory and violates several key provisions outlined in federal law, including the Fair Credit Reporting Act ( FCRA ) and the CFPB Complaint Process. I'm asking this get removed from my credit report and the CFPB does their due diligence. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( b ) ), furnishers of information to credit bureaus, such as XXXX and TD Retail Card Services, are required to investigate disputes and provide evidence to the consumer if their investigation finds that the disputed information is accurate. Moreover, the CFPB Complaint Process mandates that when a complaint is filed, the company must respond and provide supporting documents to both the CFPB and the consumer. This includes addressing specific allegations made by the consumer, such as the failure to send payment notifications. 

Despite these requirements, I have received no supporting documents or evidence that the disputed information was accurate. Below is my second letter to TD Retail Card Services, which explicitly calls out the statutes and regulations governing the response and documentation requirements.
Consumer complaint received 2024-06-03
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. (CA)

While checking my personal credit report, which I acquired fromExperian, XXXX, XXXX. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2024-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/2024 Transunion through XXXX XXXX is reporting XXXX XXXX XXXX  # ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX adr. XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX ( reported on my account 2x ) these are showing they all did hard inquiries on my account which was not authorize by me. They inquired on my account without my knowledge or approval. 

On XX/XX/2024 XXXX through XXXX XXXX is reporting XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX 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 these are showing they all did hard inquiries on my account which was not authorize by me. They inquired on my account without my knowledge or approval.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I consistently make on-time payments, of which I am certain. What I'm uncertain about is why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.