davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting. See screenshots for proof of inaccurate information.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX XXXX  I mobile deposited a check in the amount of XXXX the app stated my funds would be available on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I attempted to pay a bill as the funds showed available in my account. But it was declined I called customer service and was told my account was now frozen and the check needed to be verified as it was a third party check. Unfortunately my roommate who the check was written for had no number they could verifiy in the system so my account was closed. They cashed the check and now refuse to release the funds from it. We have contacted the other bank who wrote the check and have been told there is nothing they can do as the check was cashed. Now chase is stating unless we can provide a verified number in my roommates name the will hold these funds for 2 years and then they will be put in a unclaimed funds XXXX account. I just want the money we are owed from the check they cashed
Consumer complaint received 2024-05-23
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I opened a new savings account and the Bank website and the bank XXXX confirmed this statement from the bank 's website XXXX XXXX For new accounts, we will waive the monthly maintenance fee for six months from account opening. '' *** SO, AT THE DIRECTION OF THE BANK MANAGER, I DEPOSITED {$100.00}. ON THE SIX MONTH I WAS AUTOMATICALLY CHARGED AN {$8.00} SERVICE CHARGE FOR SUPPOSEDLY HAVE A LOW BALANCE. I went to to the bank on XXXX XXXX XXXX and I was told by the bank manager I needed to maintain a balance of {$500.00} or more. Therefore i deposited additional funds in my account that brought my balance to {$500.00}. I was referred to this additional statement from the bank 's website : *** " {$8.00} per statement cycle We'll waive the monthly maintenance fee each statement cycle you meet one of the following : Maintain a minimum daily balance of {$500.00} or more in your account '' **** Since I complied with this new requirement of having a balance greater that {$500.00} I was assured by the bank manager that I would not be assessed any {$8.00} service fees anymore... INSTEAD, THE BANK CONTINUED TO WITHDRAW {$8.00} PER MONTH FRPOM MY ACCOUNT, WHICH CAUSED MY BALANCE TO FALL BELOW {$500.00}!!!!!! 
I VISITED THE BANK MANAGER XXXX XXXX AND SHE ASSURED ME THE BANK HAD MADE A BIG MISTAKE AND MY FUNDS WOULD BE RETURNED SO MY BALANCE WAS BROUGHT BACK OVER {$500.00}. XXXX XXXX XXXX XXXX XXXX has not done anything and all attempts to contact her further have been rebuffed. I believe there is fraud at this bank and someone there is illegally withdrawing funds from customer 's accounts. I should never had been charged service fees after my account balance exceeded {$500.00}. I want all my funds restored and a written personal apology. I want all bank employees charged with theft and fraud. 

https : //www.bankofamerica.comXXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (RI)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I attempted to use my Sams master credit card in the store today ( XX/XX/year> ) and I was unable to use it to make a purchase. Therefore, I called customer services and I was informed that my card was closed yesterday and that I should be receiving a letter in the mail because the representative was unable to explain why. I have never been late on this card and would pay my balance off in full majority of the time every month. A couple of hours later I received an email from the company because I informed the representative that I was going to make a complaint. Closing a customer credit card or making any negative changes to their account without any prior notice is extremely unprofessional, embarrassing, and should be unethical. What is this way to resolve this issue? Closing an account will have a negative impact on my credit score, which is unfair to me since my account has always been in good standing, paid on time, and I did not request for the account to be close.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: AMERICAN EXPRESS COMPANY (MO)

My XXXX inbox is bloated with emails from : XXXX XXXX XXXX at XXXX XXXX : Pay your American Express credit card balance with a XXXX XXXX XXXX XXXX XXXX XXXX Regarding your overdue balance of XXXX XX/XX/year> Login Pin : XXXX XXXX XXXX, you're missing out on savings! 

XX/XX/scrub>XXXX XXXX XXXX Visit our website so you don't mess out on this offer.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

I am a victim of identity fraud. Someone was making withdrawals out of my checking account and my overdraft protection from my saving account replenished the checking until all funds were gone. This person opened new credit cards, applied for loans, and use my current cards in my name. All of my funds are gone and waiting for review. My credit score went from XXXX to XXXX. They are building the case against the person. A police report was filed.
Consumer complaint received 2024-08-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

Today ( XX/XX/XXXX ) I received a statement starting that I'm past due ( I'm not, but have a separate complaint on that issue ). The problem with the statement, other than it's inaccuracies, is that it says I'll be charged a late fee if the payment isn't made by XX/XX/XXXX. The statement date is XX/XX/XXXX, even if they had mailed it promptly that gave given anyone enough time to avoid the late charge. Additionally, how can I make a payment in the past. 
These guys are shysters and simply trying to rack up fraudulent charges. 
Their business practices need to be reviewed.
Consumer complaint received 2018-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

I was out of country between XX/XX/XXXX and XX/XX/XXXX.

My credit card started being charged for fraud charges and I reported these charges to chase. I advised chase that I am in XXXX and I have not many any transactions while here.

Chase at first credited my account then 2 weeks ago took back the credit stating they think the charges are valid. I have filed a police report and have done everything on my end to prove that Noone on my account made any charges we were in India for the past 4 months.

I have attached a copy of the police report and want chase to credit my account back for the fraud charges and the interest incurred
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

I woke up one day after doing a transaction to find my account had been frozen with funds. Chime asked me to send a copy of my ID with a copy of mail to them to verify and I did so multiple times and I have never received anything other than a standard automated message.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TX)

Dear Chase Bank, Again I have been contacted by your institution regarding an unknown account. Thank you for providing me with the requested from XX/XX/year>, however during your requested extension to further investigate and promptly following your response to close my complaint I was called ( provided voicemail ) and texted on the following dates. Wednesday XX/XX/year>, at XXXXXXXX XXXX for a code to sign on twice, Physical call and voicemail left, also XX/XX/year>, at XXXX twice and again on XX/XX/XXXX at XXXXXXXX XXXX I have concluded that unfortunately this institution is failing at the internal investigative level to identify internally what is going on, so hopefully the date and time stamps will aid you in your thorough investigation. I believe that the cease and desist for all call request is sufficient given that there is still no resolution to these phantom calls/texts about an account that I do not hold. This entire situation is very strange.
Consumer complaint received 2024-05-20
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: Resurgent Capital Services L.P. (TX)

There is a collection account reporting to my credit report which lists XXXX XXXX  as the original creditor of the account XXXX XXXX XXXX XXXX. I don't recall opening an account with your company, and there was no correspondence sent to me regarding this account or the sale of this account. Please send me debt validation of the account mentioned. I am also seeking the forward flow agreement as well as original paperwork with my signature for this account. Also please send the correspondence that was mailed to me informing me that this alleged debt was to be sold. Being that I am trying to validate the information you send me, I will not be providing any more information than I already have in order for me to fact check what the alleged collection agency is reporting. Furthermore, I will not accept any correspondence outside of the CFPB portal. I am not interested in anything being mailed to me. I am requesting all documentation to be sent via CFPB so that it is easier to keep record of in case of legal proceeding. If you can not furnish the requested information, I advise you to contact the collection agency and/or credit reporting agencies and have the account removed from my credit report due to FCRA violations. If information is not received within 15 days, I will have no choice but to escalate this to the FTC and further seek my options in small court. Thank you for your help with this matter.
Consumer complaint received 2018-04-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

This is a crazy story but Wells Fargo went well beyond to steal this home from me. They foreclosed on me in XX/XX/2015. First being a combat wounded veterans I was going through a ton of XXXX XXXX and on over XXXX XXXX and considered XXXX XXXX XXXX.

Wells Fargo stopped accepting my XXXX home insurance and I was never notified so they brought on their own company causing my mortgage to increase by several hundred dollars. I had a rentor in my home paying the bank directly since I was not able to not knowing the increase in the mortgage. Well when I was healthy enough I tried to apply for mortgage assistance and Wells Fargo flat out refused. I ask for help from the VA leaving countless messages and they never helped to intervene. Giving the circumstances I feel Wells Fargo used my XXXX  against me to acquire this home which was the only home in the neighborhood with an extra plot of land 1/2 acre of land vs a small backyard. It was the most valuable home in the neighborhood. In addition, every mortgage payment I tried to make to catch up, they just returned back to Me which was even more weird. I feel they were trying their best to forcefully take the house away from me and in the end, they did.
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I closed my account in XXXX because I paid a large sum on my credit card and they would not honor the payment even they it was showing be accepted by them and leaving my account. When I closed the account I had autopay set up to pay the minimum payment per month to avoid any late charge. Apparently, when I closed the account they turned off my autopay and there was a small balance of {$81.00} dollars and some change that the autopay would have covered had they not shut it off. Because they shut off autopay on the account, the {$81.00} was not paid by the due date and I was charged a {$29.00} late fee. They acknowledge that autopay was shut off and refused to refund the {$29.00} because the account is closed.
Consumer complaint received 2024-08-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This complaint is about Capital One dispute # XXXX. 

Capital One was careless in resolving this dispute. Capital One ignored the chargeback reason as provided by XXXX guidelines for Defective merchandise. 

I bought a paint sprayer from merchant website for {$100.00}. Paint sprayer turned out to be severely defective and unusable. Merchant has 30 day return policy to accept return on defective merchandise, but merchant refused to take return. Other customers had same experience with this merchant refusing to accept returns for legitimate reasons. Instead of taking back the defective merchandise, merchant tried to give me a 29 % refund to make me go away. I refused this absurd resolution. The merchant then offered 61 % refund to keep the broken merchandise. I did not want to play games with this merchant, so I took the 61 % refund and decided to get the remaining {$42.00} balance through Capital One dispute process. 

My issue is appropriate for XXXX 's chargeback reason for Defective merchandise. I provided Capital One with video proof of defective merchandise. I also provided proof of correspondence with merchant refusing to accept return and fraudulently giving only partial refund to make me go away. I also provided Capital One with merchant 's return policy as evidence that merchant refused to follow its own policy. 

In the end, Capital One completely disregarded my evidence, and quickly closed the case. 

I paid {$100.00}, and only got {$61.00} back. I am stuck with broken merchandise and money lost, which should be remedied by XXXX chargeback guidelines for Defective merchandise. 
Capital One is disregarding guidelines set by XXXX.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX called my place of employment multiple times for XXXX XXXX for several different retail accounts - XXXX, XXXX and XXXX XXXX XXXX. I informed them that this account had been discharged in a bankruptcy in XX/XX/XXXXand should have never been assigned to them for collection. XXXX XXXX XXXX   is now reporting a NEW collection account opened on XX/XX/XXXX for {$1200.00}. This account was not collectible effective XX/XX/XXXXafter the account was discharged in bankruptcy.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On or about XX/XX/year> a claim was filed by CAPITAL ONE N.A. XXXX XXXX XXXX XXXX in the small claims court of XXXX XXXX, AL. On or about XX/XX/year> the case file was sent to mediation ordered by the Judge. On or about XX/XX/year> the court case was dismissed with prejudice by the Judge and to this date CAPITAL ONE N.A. is still reporting the account to the three major credit bureaus as delinquent and charged off. This is a clear violation of the Fair Debt Collection Practices Act. To date CAPITAL ONE N.A. has yet to honor my request to remove the derogatory information from ALL credit files. This has injured the consumer in not being able to obtain credit.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (SC)

I received an alert from the credit reporting agency that a collection showed on my profile. When I checked it all it showed was Paramount Recovery {$3000.00}. I had to XXXX the number and location it wasn't on the report. I called and the rep said they were collecting for XXXX XXXX XXXXXXXX! I told her that I didn't owe XXXX any thing. Then she said " oh it's XXXX XXXX '' I don't even know what that is. I told her that I have never pursued any business for that company and if they are claiming that I did that I wanted original contacts with my signature. I never heard of either of these companies or received any correspondence from Paramount Recovery or this so called XXXX XXXX.
Consumer complaint received 2024-08-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NV)

Last XX/XX/year> XXXX approved a wire transfer x XXXX transactions to XXXX XXXX. {$870.00}, {$1700.00}, & {$390.00}. The hackers used my debit card and I discovered it right away within an hour after the transactions were made. I reported it right away to Chase and to the merchant XXXX XXXX. But apparently within XXXX minutes the money was processed. It was supposed to go to XXXX in the XXXX under my sister 's name. I have dealt with world remit for the past 2 years to send money to my sister regularly like once a month or every other month. But this time they used a different account number, different mobile number. XXXX bank sent me a letter that the transactions never went thru because of the discrepancies of the account holder 's information. So Chase denied my claim stating that I did the transactions myself. Why do I have to go thru the trouble of reporting this to the local police dept, Fbi fraud dept, Nevada attorney general, federal trade commission and even to your dept? Please help! I am a retired XXXX yr old with limited income. I could not pay my mortgage and outstanding credit card dues this month because of this
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year>, someone made a purchase with my credit card without my authorization. I immediately notified Wells Fargo about this fraudulent transaction. However, Wells Fargo refused to investigate the fraudulent charge and is holding me responsible, despite my explanation that I did not make this purchase.
Consumer complaint received 2024-08-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

I have two loans with this company. It should only be one loan, but they screwed up my consolidation over a decade ago. They have regularly misapplied payments I send them, despite repeated communication. Recently, they misspelled a payment of {$100.00} sent XX/XX/year>24 and then said I'm behind on my payments and they are reporting me late to the credit bureaus.