davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX there were six fraudulent transactions in my Chase Safire bank account. ( See Attachment 1 ) The fraudulent transactions were made at an ATM machine, operated by the XXXX XXXX in the XXXX XXXX. I have been using the ATM at this bank for six years. Apparently, someone was able to hack into my account and made six fraudulent transactions during a short period! 
Chase must have realized that fraud was being committed because they sent me a message at XXXX XXXX  on XX/XX/XXXX, asking me whether I attempted a withdrawal of {$370.00}. When I saw the message at XXXX XXXX, I replied No. At that time, I was not aware of the five other fraudulent withdrawals. I immediately received a message from Chase saying that my atm card was closed and that I would receive a new card. ( See Attachment 2 ). 
On XX/XX/XXXX I noticed that in addition to {$370.00} fraudulent transaction, Chase had also credited me for the other five fraudulent charges. ( See Attachment 3 ) So, you can imagine how shocked I was on XX/XX/XXXX when I looked at my account online and discovered that all the fraudulent charges had been re-applied to my account! ( See Attachment 4. ) Of course, I called Chase immediately and they passed me on to the Fraud Department. 





There I spoke with XXXX, a supervisor who told me that an investigation had been done, and that since my password was used, I was to be liable for all the charges. She said a letter was sent to me, advising me of the decision. The conversation was very short. When I asked her if she would call me back if we got disconnected. XXXX said, we wont get disconnected, When I asked if there was someone else, I could talk with about this matter, she said I could look that up on XXXX. As of today, I have not received the letter. 
I have had an account with Chase for over 25 years. During most of that time, I have maintained four accounts with an average balance of more than the {$75000.00} minimum balance requirement to receive free checking. Usually more than twice that amount. In the past I have received excellent service from Chase including several warnings about suspicious transactions. As stated above, I even received a warning about these fraudulent transactions. However, in this instance Chase has let me down. The fact that a thief somehow hacked into my account and was able to make six consecutive fraudulent withdrawals and Chase was not able to stop this is outrageous and unacceptable. 
I contend that given the information that I have presented above, Chase should restore all of the charges associated with these fraudulent transactions.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GREENSKY OPERATIONS, LLC (IL)

On XX/XX/XXXX I applied for a Installment Loan for plumbing work on my rental property. In the amount of {$7300.00} monthly payments are {$300.00} no interest until after XX/XX/XXXX. I have expectational credit with a score in the high XXXX. The Loan was approved & the first payment was due on XX/XX/XXXX. On XXXX XXXX I made XX/XX/XXXX payment in the amount of {$300.00} check # XXXX From XXXX XXXX XXXX On XX/XX/XXXX I made a payment in the amount of {$350.00} this was ( XX/XX/XXXX Payment ) check # XXXX From XXXX XXXX XXXX. On XX/XX/XXXX I made a payment in the amount of {$350.00} this was ( XX/XX/XXXX Payment ) From XXXX XXXX XXXX check # XXXX On XX/XX/XXXX I made a payment in the amount of {$340.00} check # XXXX from XXXX XXXX XXXX ( this is XX/XX/XXXX payment. On XX/XX/XXXX I made a payment in the amount of {$890.00} from my XXXX XXXX Bank savings Acct. This paid the account up to XX/XX/XXXX XXXX on XX/XX/XXXX I got a notification from the Credit Bureau that one of my acct. was 30 days late. Which is a error on Green Sky. I contacted Green sky & spoke with XXXX, & I called XXXX XXXX bank & spoke with XXXX. XXXX XXXX bank said they deducted the money out of my acct & mailed the payments to Green Sky. The payments in the amount of {$300.00} from XX/XX/XXXX to XX/XX/XXXX would be due in the amount of {$1200.00} I have pd more then this amount In the month of XXXX. I have paid the grand total of money that has been deducted from my bank account is {$2200.00}. This acct has never been late in the 4 months. Green sky has reported inaccuracy outdate information to the credit bureaus this is a violation violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681ny and the credit reporting agency has reported this inaccurate information which is in violation of violated two FCRA provisions : 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies like XXXX XXXX, XXXX, and XXXX to assure maximum possible accuracy of the information contained in credit reports, and 15 U.S.C 1681i ( a ) This needs to be corrected
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I submitted a dispute with Equifax for account XXXX XXXX, on XX/XX/XXXX. How is it possible for them to complete their investigation XX/XX/XXXX ( 2 days ) confirmation number XXXX. When their website and the FCRA states a reasonable investigation takes 30 days. 

Please see attachments.
Consumer complaint received 2024-05-02
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. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
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. (NJ)

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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

n 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. XXXX Auto Account number XXXX XXXX  Account number XXXX has violated my rights. 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 2023-07-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MO)

I received a {$100.00} Vanilla gift card on XX/XX/23 for as a bday gift. After I tried to activate it and couldnt, I emailed photos of the receipt ( thankfully I was able to obtain it ) my license and the card itself, as requested. I was given a claim id #. Well its been almost 3 months since my birthday and I still havent received my money. The last straw was today. I was told by the rep XXXX XXXX, who always answers. Which thats a whole other conversation ) that nothing has been updated. Try back in a few days. 1st call I made I was told call back in 30 days. Then it was 5 days. And today, it was a few days. Obviously. I feel like this is no ones concern but mine.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-07-26
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: Experian Information Solutions Inc. (FL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX, XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-09
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SOFI TECHNOLOGIES, INC. (CA)

Thousands of students were scammed by XXXX into taking out predatory private loans to attend for profit online schools such as the one I attended, The XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the Biden administration has just announced a blanket discharge for anyone enrolled at The XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of {$54000.00} were discharged and my credit repaired. 
I am aware that XXXX was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that XXXX XXXX were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 
These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for XXXX, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. 
After the AG settlement, didn't XXXX also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't XXXX have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments XXXX could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't XXXX been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which XXXX is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. 
This application is a sham. 
Why do we need to prove anything? 
XXXX knows who we are. 
Under the FTC " Holder Rule '' XXXX is liable for giving predatory loans in connection with online for-profit schools. 
Time is running out for XXXX to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
Senator XXXX XXXX has sent a letter to XXXX 's CEO asking to discharge these loans NOW! It's time XXXX do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Consumer complaint received 2023-05-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America ( BOA ) recently rolled out an update in their online bill pay server. This update removed the option to pay a set monthly amount to BOA XXXX XXXX using the bill pay service. Now, only available options are to pay the minimum amount or pay the whole balance at once. I was not able to get help from customer service. I was told that the change was intentional. I believe, it is illegal to force customers to pay the minimum monthly payment instead of any amount over the minimum set by customer. I think this issue needs to be investigated and resolved. Thanks.
Consumer complaint received 2024-06-20
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

On or about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   began debitting my XXXX XXXX card account. A totaI of @ {$900.00} was debited from my card account. I didn't become aware of this until XXXX XXXX XXXX XXXX XXXXXX/XX/year>, when I went shopping at XXXX XXXX XXXX XXXX XXXX. Netspend is claiming that since I still had my card no one else could have accessed my account. However, it was only after going to the store that I was given a receipt with my balance on it. It was at this point I contacted Netspend to let them know someone had stolen my information. As my card was never out of my possesion I believe I was the victim of skimming. I just recently learned of this practice so I wasn't aware of it when I contacted Netspend. Although it is a 5 hour drive from my home to XXXX XXXX Netspend claims there was no error and that the debits were authorized. I obtained police reports. I requested a provisional credit, and contacted the California Department of Protection and Financial Innovation and filed a compliant without success. I also closed my Netspend account. As I stated I just recently learned of the practice of skimming which is why I am now filing this complaint. Netspend was of no help to me at all. Other than basically calling me a liar and stonewalling me at every turn. I have since learned that there are several ways Netspend could have determined if it was me or someone in possession of my card info such as the IP adress the person was located at during the time of the debits.I am a XXXX Veteran and I am on a fixed income. It took me decades of fighting with the VA to get my benefits and to have someone tell me it's no big deal is an outrage. If there is any remedy available to me I would be extremely grateful for any direction you could give me. Thank you in advance for any and all help you may be able to give with matter.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

Applying for existing mortgage, bank refusing to disclose the financier of the mortgage. Home owner called bank asking to disclose the required information, bank not willing to disclose. 
I have a change in circumstances since the origination of the mortgage, including the following : 1. Divorce in XXXX, ex spouse refusing to update financials to mask increase of income, therefore creating a financial hardship for the last 15 years. 
2. I have a medical hardship, XXXX XXXX 
3. I have a loss of income due to XXXX for the last two years to current, XXXX XXXX XXXX XXXX XXXX XXXX. I was not able to work due to XXXX. 
4. I do not have the income to pay the current month of XXXX, and am in a financial hardship, by no fault of my own. 
5. I am paying my lack of income via my credit cards, up to {$10000.00} at this time. 
6. My home us underwater, home is lost value due to nation financial home crises. 
7. Banco Popular the servicer has a history of not answering CFPB complaints, thus creating a artificial barrier to entry, and a form of home mortgage discrimination.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PR)

Equifax again removed almost all of my accounts from my credit report. This is the third complaint regarding the same issue. Equifax on my first complaint put back all my accounts in the credit report, they removed most of my credit information again. Then for a third time they have done the same thing removing credit information from my report and reducing my credit score without any reason.I have tried to contact them by phone but is almost impossible to get to someone to answer me of this situation.
Consumer complaint received 2024-08-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (TX)

Newrez used to be Specialized Loan Servicing, as of XX/XX/XXXX. They keep applying my payments to the principal even though the payments clearly are labeled Not Principal Only. There is a due balance that they keep trying to make late so they can generate fees. They have done this before under SLS but claimed they couldnt fix it. Now I contacted them within days of it happening and they still wont correct the problem.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

Ive been a Chase Sapphire customer for about 2 years now. 

I enrolled in a payment plan by Chase for an Amazon purchase worth {$2800.00} on XXXX XX/XX/2022. The payment was to be made in 18 installments over the course of 18 months.

I was paying off this purchase on schedule and on time till 4 months which amounts to {$630.00}. 

4 months later, I got a refund from United Airlines for some flights I booked through this credit card worth {$1300.00} and this is where the ordeal began. 

Chase claims that any credit/refund which comes into the card, that amount automatically goes towards the payment plan so in this case the credit from United Airlines got applied to the Chase payment plan. 

So in this case, {$2800.00} - {$630.00} ( the payments I made for 4 months ) = {$2200.00}. 

Then apply the credit from United Airlines {$2200.00} - {$1300.00} = ~ {$850.00}. ( Credit from United Airlines ) I continued to make payments every month for the payment plan unbeknownst of the fact that Chase had decided to apply the flight credit automatically to the payment plan. 

Firstly, the claim from Chase that credits are rolled over into your payment plan are bogus. There is no way the system is designed to roll over money into a plan like that unless I explicitly make a payment into the plan on a monthly basis or I decide to pay it off. 

Due to this, I was getting charged interest on my United airlines transactions as their system was considering these transactions as outstanding balances. 

I called Chase after noticing this and they agreed this was a glitch in their system and this shouldnt have happened. I was able to get these interest charges reversed for a total of 4 times. But after 4 months this STILL kept happening and due to circumstances I wasnt able to get on a call with their useless customer service and be kept on hold for long periods of time. 

Due to this I kept getting charged interest for a total of 14-15 months since I got the United refund which amounts to {$190.00} worth of interest. 

We escalated to the Chase Executive Office to get this resolved but no one at Chase seems to care and acknowledge that this was an error on their part and they keep passing this off as something which is how it's supposed to work. Weve also filed a XXXX complaint and that has gone in vain. 

This case is being handled by XXXX from the executive team and his number is XXXX extension XXXX. The customer service has been abysmal with zero accountability and all my concerns have been ignored.