davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-06
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: JPMORGAN CHASE & CO. (CA)

I am writing to file a dispute on my credit card ending in XXXX. This charge was filed in the amount of {$9100.00} on XX/XX/XXXX. 
Details : XXXX. On XX/XX/year>, I submitted a request to make a reservation for stay at a property via XXXX. 
XXXX. The host/merchant responded to my request via secure chat giving details on the property. We had an exchange of a few messages. All messages are copied and pasted below. Per this conversation, we came to an understanding that given details of the property, I did not want to make this reservation. The host acknowledged that I was not interested in this booking. It is reflected in her reply at the end of the chat, you never booked it so no worries. Best of luck to you XXXX. Based upon the above, I understood that I am not proceeding with this reservation and my credit card should not be charged. 
XXXX. In the meanwhile, the host accepted this reservation on her end. I am not sure how and why she accepted it even after we had a clear understanding of not proceeding with this. Per XXXX policy, only host can decline a request after it has been submitted and a full transaction takes place based upon mutual understanding between the host and the customer. 
XXXX. Based upon above, my understanding was that the host will not accept my request because we both decided not to proceed further. I asked her to cancel the reservation but she did not. 
XXXX. In the meanwhile, Chase bank sent me an alert on my phone about a possible fraud activity. I acknowledged that this is fraud because my understanding was that I did not accept the reservation and if any one is attempting to charge the credit card despite a mutual understanding between host and myself that we are not proceeding with this reservation, it should be classified as fraud. 
XXXX. Chase bank also classified this as fraud. I was informed that this charge will not stay on my card. 
XXXX. However, a few weeks later, on XX/XX/XXXX, I received a letter from Chase that the fraud claim was reversed after Chase fraud department investigated this. They classified this as a valid transaction. 
XXXX. I called and was advised to contact dispute department for filing a dispute. 
XXXX. I would respectfully state that I would like this entire charge to be reversed from my credit card on the basis that, a. Both myself and the host/merchant ( XXXX in this case ) had a clear understanding that we are not proceeding with this reservation. 
XXXX Host/Merchant did not provide this service to me AND I did not use this service. 
XXXX The host/merchant acted unilaterally and without my consent by charging my card on AirBnB site. 
d. I was notified by Chase bank that a fraud alert was in place and that I was not going to be charged this amount. This reassured me that I did not need to take any further action to contact AirBnB or the host for the property.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MA)

I applied for FAFSA and was awarded federal pell grant at the time which was valued just about XXXX usd taking 2 to 3 classes at the time. There was even excess amount which the school credited to me. When I XXXX, I got reports on my credit couple of years later about owing loans. There was another student who carried the same initials and name as me but only thing that was different was our middle names. There is no way I owe the reported loans because I did not use any loans for school. Wrong identification .Last federal loan paid off was through XXXX XXXX and i have a letter from the US DEPARTMENT OF EDUCATION with payment complete.
Consumer complaint received 2024-08-09
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (IL)

This is a follow-up on compliant XXXX. I do not agree with the company 's assessment. I received all of my historical statements from the company and made a spreadsheet of my own. 
I looked at all my payments and can not see a pattern or mathematical reason why some of my payments were applied to one balance at a certain % and another at a different %. It seems like the company wanted me to have a balance left for the highest amount charged for the promotion to charge me the highest interest. I am attaching my calculations derived from the statements the company sent me as evidence. Can they explain why the payments were applied in this manner? I have paid all of my balance cause I do not want to fight with this company as they will charge me 25-35 % interest on my balance even though I am disputing it. I feel like I was robbed. It is very disheartening as I can see how a household without means would struggle with this kind of treatment.
Consumer complaint received 2024-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

In XX/XX/year>, I received the attached XXXX XXXX XXXX from SPS. To my surprise it listed a XXXX  shortage of XXXX ( XXXX  XXXX ) My property taxes ( homestead exception ) and insurance have been very consistent the last XXXX  XXXX  with an annual overage/shortage of XXXX XXXX XXXX XXXX. 
I have paid all escrow in XXXX. 
Also please note that there is no language in my XXXX  document stating that a XXXX XXXX  escrow reserve is required. My account has a XXXX  escrow reserve requirement of XXXX  XXXX. 
On XX/XX/year>, I contacted SPS by phone and email to dispute the escrow overcharge of XXXX. 
It has now been XXXX  XXXX  and SPS has still not resolved the escrow overcharge. 
Per the attached detailed communication with SPS I have regularly reached out to SPS by email and phone to receive a resolution. 
I have received a handful of explanations for the " shortage '' and none of them makes mathematically sense. 
SPS continue to delay a resolution and as recent as today I received a XXXX  XXXX  response extension letter to my email from XX/XX/XXXX. 
Meanwhile, I am being charged monthly XXXX to cover the " shortage ) in addition to the principal, interest and escrow.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings (TX)

I received a payment request from my previous apartment on XX/XX/year>. I responded that there was a mistake on my account and I was told that they would get back to me. No one responded to me so I called and explained that I have always paid ahead and that my move out XXXX  was wrong. I was told someone would get back to me and that they possibly owed me money. Then I get a note from them that my account will be going to collections, so I paid the balance off completely to avoid it hitting my credit. I have an email from a staff member that it was paid in XXXX.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-08-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation (MN)

On XX/XX/2024 Albert automatically deducted {$100.00} from my checking account. There was no notice given to me this was going to happen. The amount owed was {$98.00} so I am unsure why {$100.00} was taken from my bank account. This caused my bank account to be overdrawn. The app also did not provide any information that Albert would be processing an automatic payment on XX/XX/2024. I was out of town during this time. When I returned I contacted the company on XX/XX/2024 to request closure of the account. I was told I could not close the account until my balance was XXXX. I emailed a copy of my bank statement that showed the {$100.00} payment cleared my bank on XX/XX/2024 and they would not accept it. I was told I needed to allow 2-6 business days before I could access instant cash. I told the rep I did not want instant cash, I want to close my account. I also requested to revoke any automatic payments and membership fees and the rep also told me that can not be processed until my balance is XXXX. On XX/XX/2024, I checked my account and it now shows I have a credit of {$3.00} ( makes sense since I only owed {$98.00} and Albert deducted {$100.00} from my bank account ). I requested closure again. I was now informed I need to link my bank account and withdraw the {$3.00}, which will take another 2-3 business days, before I can close my account. I requested Albert to send me a check for the surplus of {$3.00} since I did not understand why the company took more out of my bank account than I originally owed. This company still refuses to close my account or stop charging me {$14.00} in fees. They said they will continue to automatically deduct from my bank account even though I have requested numerous times I no longer give my authorization.
Consumer complaint received 2024-05-10
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. (IN)

PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (FL)

I have maintained a credit card account with Chase bank for over a decade and until this month ; XX/XX/year> I had the ability to make my monthly payments online. However, I was unable to do so this month due to the following notice on the Chase banks website.

We don't support this browser version anymore. Using an updated version will help protect your accounts and provide a better experience.

" Update your browser. '' As a senior citizen I have a serious issue with Chase banks latest credit card policy related to online processing. The bank is virtually excluding customers like me from making online payments and having access to monitor their accounts unless they meet the business demand to upgrade their browsers and computer operating systems. Specifically, Chase bank is displaying a lack of customer service accommodation. To meet their demands I would have to purchase a new computer with an operating system above XXXX XXXX and required peripheral equipment. But all I am working on with my fixed Social Security income is to pay off my Chase credit card balance. As a retired online course developer I believe that Chase bank can make the necessary technical accommodation for users with older operating systems if their ethical business policy included concern for customer accommodation. Therefore on XXXX, I contacted Chase credit card division for help with this problem, and it cost me over an hour to complete the process from automated verification, to getting a human being to give me a response. The accommodation that the Chase employee in their technology department offered was to either pay by telephone, auto pay, or download the XXXX browser. My response was that I dont want to XXXX ) auto pay since I always input more online than the minimum due as my method of paying off my account, XXXX ) making payment by phone is tedious and time consuming navigating Chases automated system verification, XXXX ) according to the XXXX browser notice on the download site, it is only compatible with XXXX XXXX and above. Although Chase states on their website that they support XXXX XXXX yet I am unable to access my account online due to the version of Chrome browser they now require. Yet I am currently using the original Chrome browser with my Windows XXXX operating system on my computer to successfully interact online with my email accounts ; make online payments to all of my other creditors ; post and interact with my personal XXXX XXXX  ; post content I created on my PC to my XXXX XXXX page, my XXXX XXXX XXXX XXXX XXXX account, and upload videos I created on my PC for my spiritual/inspirational XXXX XXXX.
Consumer complaint received 2024-07-05
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. ()

Submitted a complaint/request for explanation to Equifax about my drastic credit score change.

1 ) Equifax responded saying they reviewed the information I attached to the complaint. ( I did not have an attachment ) 2 ) Equifax said they contacted my creditors to discuss negative information. ( I don't have anything negative in my file ). 

Either Equifax has me confused with another customer ( gross negligence ) Or, Equifax is lying about what they did ( fraud ).

I want an explanation for the drastic score change ( XXXX points ) when there is nothing negative in my file. Additionally, I want an explanation of their previous response which is absolute nonsense.
Consumer complaint received 2024-01-10
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. (AR)

I am writing to express my dissatisfaction with the ongoing challenges I have faced while attempting to correct late open accounts on my credit report. Despite multiple attempts, the issues persist, impacting my credit score and causing significant distress.

I have made repeated efforts to rectify this situation through your dispute resolution process, yet the corrections have not been implemented successfully. 

Here is a summary of the actions I have taken to address this matter : I have submitted disputes through your online platform, providing detailed information about the late open accounts, along with supporting documentation. 

I contacted your customer support hotline to inquire about the status of my disputes. However, the information provided has been inconsistent, and the issue remains unresolved. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to support my case and clarify the inaccuracies. 

Despite these efforts, the late open accounts continue to negatively impact my credit report. This situation is not only frustrating but also raises concerns about the accuracy and reliability of the information maintained by Credit Bureaus. As a consumer, I rely on accurate credit reporting to make important financial decisions, and the persistent errors on my report hinder my ability to do so. 

I kindly request a thorough investigation into the late open accounts listed on my credit report and a swift resolution to correct these inaccuracies. Additionally, I seek clarification on the specific steps taken during the investigation process and a detailed explanation for the continued presence of these errors. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my hope that Credit Bureaus will take immediate action to rectify this matter and provide a clear and transparent resolution. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to protect my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX : {$50000.00}.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I was a victim of a scam. My checking account and some credit cards were compromised. The bank took all my money from my savings account. I almost lost my car, and I had to put some credit cards with a debt consolidation program because I couldn't make the delinquent payments. I filed a police report and tried to work with the fraud department of the bank, but went no where. now they want me to pay them {$1700.00}. NO WAY
Consumer complaint received 2024-01-10
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG MORTGAGE, INC (FL)

We obtained a mortgage with XXXX in 2023. My husband is a 100 % XXXX retired XXXX and we applied for floridas homestead exemption in XXXX for the XXXX year. We were initially told that our mortgage amount would decrease XX/XX/XXXX. When it did not, we began working with agents from XXXX to understand why. On several calls between XXXX and XXXX, we received different answers with no resolution. A XXXX employee then suggested that we do a mortgage reconsideration to pull our tax exemption information and this lower our payments. He did this and our mortgage went XXXX by XXXX per mi th. We then began to call again to understand why the mortgage would go up when we had no taxes. We finally reached XXXX in the escalation department who stated that the XXXX staff should never have submitted a reconsideration. He then made a plan with us that allowed us to continue to pay our regular mortgage account until XXXX when the new tax bill would come out. In XXXX we called again and spoke to numerous reps who all stated they could not see any notes regarding this agreement. During that time we also had to fight each month to pay what was agreed and kept being told we were shorting the company. Finally we contacted the tax office who stated that they had already sent the tax exemption several times to XXXX. We began to call XXXX again and encountered the same issue. No notes, no idea what we were talking about. We went back to the escalation department to talk to XXXX who out in a work order to pull the tax information. Now, in XXXX we called XXXX back to check and she states that not only would our mortgage not go down but we have a shortfall. This company has engaged in deceptive financial practices to take advantage of a XXXX veteren. At this point t we have no recourse with the company. Their story changes each phone call and they insist that we owe what we owe. XXXX every turn we were reassured that it was an error that would be corrected and at each turn, no one at XXXX communicated ( at best ) and at worst, this is a scheme that many other vulnerable people have fallen for.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (LA)

Chase is purposely holding large deposit checks. I will deposit a check for XXXX and the funds will clear the other bank in 2-3 days, but chase holds the money for an extra 2-3 weeks on purpose. 

They then make you call a number and wait on hold for hours just to get your money available. Chase uses the money held for 2 weeks to give out loans and prop up their books artificially. This is theft and they are stealing from their customers. If I don't pay my credit card bill on time they charge me interest they should be paying me interest for not being able to cash my check on time