davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX I sent three negotiable instruments for the accounts XXXX, XXXX, Ending in XXXX along with a cover letter explaining exactly how wanted the instrument to be credited to my accounts and how this was considered lawful payment. It also included a Revocation of Power of Attorney and IRS form XXXX. Registered mail NO. ( XXXX ) This letter included that I did not give consent to JP Morgan Chase to call me unless it was regarding my letter that I sent. Then without authorization JP Morgan Chase called acting as a debt collector on XX/XX/2024 to collect on the cards mentioned above. I mentioned on the phone that I sent in payment in the mail to the dispute center. The rep told me to wait as this may take longer to process. I then waited and was then called again for the collection of a debt on friday XX/XX/2024 which I did not answer, then monday XX/XX/2024. I answered monday and the rep stated I still owed a debt. I explained my situation and told her that Chase did not have authorization to call me regarding this issue and to only call me unless its questions regarding my instruments sent, or crediting the account. She then hung up. I have not had any update about where my instruments have gone and my account ending in XXXX was recently closed by Chase and charged off as bad debt. 

On XX/XX/2024 I then sent another letter in attempt to cure this situation, along with a copy of form XXXX to explain their fiduciary duties, updated copy of form XXXX, a copy of the securities sent, copy of Revocation of Power Of Attorney, and a copy of the cover letter I sent to JP Morgan Chase Legal Department. I have also completed form PS XXXX and sent to the XXXX XXXX XXXX XXXX with all the above information attached.
Consumer complaint received 2024-08-22
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: M&T BANK CORPORATION (NY)

{$780.00} was withdrawn from my Account with XXXX XXXX to be paid to M & T bank for my car loan. XXXX sent the money to the wrong account. M & T cashed the check but applied it to someone elses account and now will not return the funds
Consumer complaint received 2017-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (PA)

Closed on new home XXXX, XXXX, XXXX. XXXX XXXX XXXX Bank underwrote the mortgage and assigned it to NationStar aka XXXX XXXX for mortgage servicing. The first mortgage payment is due in XXXX weeks but I have not received any information from NationStar such as : account number, contact information, or any other information about available methods for making the mortgage payments. I have serious concerns about this servicer. So many negative online reviews and complaints about NationStar including negligence, gross errors and fee demands for missed payments and such. I need to know what legal means I can use to be sure I have an appropriately set up account, appropriate 'due ' dates and secure, efficient method to make timely mortgage payments. I have emailed the XXXX XXXX XXXX bank mortgage broker and my attorney for additional assistance. Please advise re further options to expedite the NationStar loan servicing issues. 
Thank you
Consumer complaint received 2024-08-16
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (CA)

Someone accessed my Savings account from Credit Karma and transferred funds to my Checking in the amount of {$1800.00} Per the Credit Unions records numerous attempts were made from XXXX XXXX  on XXXX XXXX and they were successful by XXXX XXXX  on XX/XX/year> Had I not called the bank by intuition I wouldn't have caught it and put a stop. 

I can not reach a live person through Credit Karma to get further information I also had a transaction through my other bank by XXXX aka XXXX for {$12.00} and it would be a repeated charge, I was able to get that reversed Obviously there is problem and someone somewhere has accessed my information and I don't know what to do
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

According to record, on XX/XX/2017, Portfolio Recovery Association began reporting a debt of {$1500.00} stating that the original creditor was XXXX XXXX Bank. I paid a credit repair agency to dispute XXXX  XXXX Bank and they honored the complaint and removed the original account but Portfolio Recovery Association has continued to report this fraudulent account despite the fact XXXX   XXXX Bank removed the account.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Guild Holdings Company (SC)

" 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 TILA US Code 1666B since I was never late. 

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (TX)

I opened an account with Care Credit because I saw on their website that they offer XXXX % XXXX on XXXX  purchases if paid off within XXXX  years, so I applied and was accepted. I paid a funeral director {$6100.00} on XX/XX/XXXX with my Care Credit credit card number. I paid this funeral director even before I received my actual card in the mail. I used the chat feature on Care Credit 's website to verify that I was on the XXXX % XXXX promotion, and I was told that I was on the promotion by them on XXXX to XXXX different occasions. There is not a way to pull up chat history on their website. When I told the funeral director about Care Credit and how his company was not on their list of funeral services, he then called them and started the process of getting his business listed on their website. Suddenly, in XX/XX/XXXX, I saw that Care Credit charged me {$160.00} in interest charges. I called Care Credit and spoke to a manager named XXXX, who vehemently told me there was nothing she could do to help me, and I was for sure not on the promotion. XXXX asked me if I had contacted the funeral director, and I explained that I was the one who suggested he become a customer of theirs and to have his business on their website in order for other grieving families to be able to pay him off quickly when they bury a loved XXXX. I called the funeral director and he was going to speak to Care Credit for me to see if they would back date and put me on the XXXX  % APR promotion. I waited XXXX full week, and Care Credit and he never did speak to each other ; all the while, Care Credit was accruing more interest to charge me every day that I waited for a response. So, I paid the balance off at Care Credit, and I would like to be reimbursed for the {$160.00} I had to pay them for interest charges that they were deceptive in charging me.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (GA)

The ending balance should have been {$55.00} instead of the current bal ending XX/XX/XXXX as XXXX additional credits appeared before the ending of the statement. When I tried to contact him about it I was put on all and hung up on more than XXXX times.
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

My ocmputer was hacked on Friday XX/XX/XXXX. 
I immediately called XXXX, my business bank, to notify of a potential computer hack. 
At XXXXXXXX XXXX, I received an email notice from Chase that an international wire transfer was being doing on my business account in the amount of {$5000.00}. I did not authorize this transaction. I started calling Chase at XXXX XXXX 
I have a claim number and a recall for the funds from Chasel At XXXX XXXX on XX/XX/XXXX, I received a notice of Chase preparing an international wire transfer to the same fraud account for {$5000.00}. I immediately drove to my Chase branch and my personal banker began a complaint for an illegal wire transfer.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (NY)

On XX/XX/year> I purchased a XXXX XXXXXXXX from a car dealership. Signed the paperwork and contracts XX/XX/XXXX and took delivery of the XXXX a few days later. 

On XX/XX/year> I notice 3 credit monitoring alerts on my credit report that I didnt recognize or remember giving any type of authorization for. 

Only XX/XX/year> Im notified that my loan wasnt approved and they would like to send a tow truck to come pick the XXXXXXXX XXXXXXXX up I bought to commute for work and they would send me a check for my {$4500.00} down payment. 

It is now XX/XX/year>. Im still in possession of the XXXX. I have not received a check for {$4500.00} and/or have I received any type of settlement offer or solution to this issue that would help me in any type of way. I have multiple hard inquiries on my credit report I never authorized that are effecting my chances of even having an opportunity at another auto loan.
Consumer complaint received 2023-09-26
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. (IL)

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. 

I told the XXXX and Transunion, to reinvestigate this account : Account name : XXXX XXXX Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2024 was charged for 3 overdraft fees at {$35.00} each. 
XX/XX/2024 was charged for 3 overdraft fees at {$35.00} each. 
XX/XX/2024 was charged for 1 overdraft fee at {$35.00} each. 
was told by a banker at my branch that they were without a branch manager and would reverse them when a new manger was hired. Was never contacted. When I talked to the banker for the 3rd or 4th time he then told me that he was not able to remove them.
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have gotten multiple calls from XXXX XXXX, always from a different phone number. They don't leave voicemails. I answered once and told them to stop calling me, but they ignored me and called again several more times. The following is a list of phone numbers they have used, along with timestamps ( XXXX ) : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (TX)

XXXX XXXX XXXX XXXX - They claim in XXXX of XXXX someone named " XXXX XXXX XXXX opened a credit line of {$4000.00}. 

This is FALSE : - At the time of XX/XX/XXXX, I was XXXX XXXX XXXX. 
- I was a XXXX. 
- Also my name is " XXXX XXXX '', - My last name is one word " XXXX '' XXXX, they have the incorrect name. 
- XXXX did verify that the account was not mine and took it off of my account with them. Yet somehow XXXX refuses to take it off of my account. 

I have never, nor has anyone in my family, had any credit line with XXXX XXXX. It says someone paid off parts of this credit line and used some of it, that was not me. As, again, I was a minor and " XXXX '' is not my last name. By the way, I got my first ever credit line at the age of XXXX in XXXX.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CO)

Chase is not allowing my bank statements. 

They are not allowing via online. 
They will not mail. 
They will not provide them to me. 


This isn't a duplicate complaint. 

They have claimed to sent bank statements, but they have not. 

They admitted to restricting access to a settled account. 

They have said payment is optional. 
Then the second response is again demanding payment on a balanced account. 


If this is the same complaint then Chase needs to detail what part of the complaints are similar. 

Not XXXX  a box.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

I deposited a check using Chase mobile app on XX/XX/year>. 
Chase restricted my checking and savings accounts for some reason after that. 
When I called the bank, they told me that they unable to contact issuing company to verify this check. 
In the end, they returned the check and told me that there is insufficient funds on company account. 
But my accounts are still restricted. 
I tried to reach owner of company that issued a check to help me with that and contact bank, but he doesnt care about it. 
So I cant got my check returned and still cant use my accounts. 
It was a paycheck, and this was the third check from this company where I work.
Consumer complaint received 2024-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The payment history for account XXXXis absolutely inaccurate. I contacted the creditor to inquire about the payment history, and they informed me that Transunion is not correctly furnishing the information that the company is providing. Please explain how you first reported this account 120 days late in XX/XX/XXXX all the way through XX/XX/XXXX. The payment status says, 'pays as agreed ' yet the payment history shows late payments? How does this meet FCRA regulations? The payment history between the XXXX bureaus is inconsistent. XXXX report this account as current never late. Due to your obvious gross misconduct and false reporting, I demand that the late payments reporting on this account is removed and this account is updated to paid as agreed never late. This is a fair warning before I am obligated to move forward with legal action due to the clear errors on my consumer report. I have attached my credit report to show the many inaccuracies and inconsistencies between the XXXX bureaus.
Consumer complaint received 2024-05-27
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: EQUIFAX, INC. (IL)

Dear Consumer Financial Protection Bureau, Date XX/XX/XXXX I am writing to address the incorrect and continuous reporting from XXXX XXXX. My credit report shows the XXXX XXXX account ending in ( XXXX ) as 90 days late continuously despite the account being closed, in collections, or charged/ written off as of XX/XX/XXXX. This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA, 15 U.S.C. 1681s-2, specifically outlines the responsibilities of furnishers of information to consumer reporting agencies. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Moreover, the FCRA mandates that once a debt has been sold or transferred to a collection agency, the original creditor must accurately update the account status. Continually reporting the account as 90 days late each month after the debt has been sold, closed, in collections, or charged/ write off as of XX/XX/XXXX is inaccurate and misleading. Reporting an account as 90 days late 47 times is highly irregular and is usually a sign of misconduct or corruption within the company. 

These practices are not consistent with the standards set by the FCRA and reflect a blatant disregard for legal and ethical obligations. Repeatedly reporting false information not only violates the FCRA but could also be considered a form of harassment under broader consumer protection laws. The persistent and inaccurate reporting of my account status appears to be an attempt to coerce or harass me into making payments on this account, which is both unethical and illegal. 

Please take immediate action to correct this inaccurate reporting. Failure to comply with these requirements will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and potentially seek legal remedies. 

Sincerely, XXXX XXXX, XXXX
Consumer complaint received 2024-08-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (FL)

My identity has been used to obtain services with the XXXX company and according to my credit report it records an unpaid amount of {$1400.00} USD with account number XXXX. I have called and sent written communications explaining and requesting that this be corrected without receiving any response.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC. (CA)

robinhood account was hacked, i have no access and have been trying to get back in. i emailed and reached out but could never get a hold of them, was told to call but i work monday through friday and even when i did call i couldnt get a hold of someone quick enough. filed a dispute with my bank, XXXX XXXXXXXX, and now 2 weeks later i am being told i was denied the {$2500.00} claim. still no access to my robinhood account.
Consumer complaint received 2024-08-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (VA)

Financed a loan through Good Leap for XXXXXXXX XXXX. Company XXXX XXXX was the installer and had warranty through them. XXXX XXXX filed XXXX XXXX bankruptcy. The contract was void once XXXX filed bankruptcy. XXXX is unable le to hold up their portion of loan agreement. Loan was for XXXX. I am stuck with a loan without any warranty as promised when I applied for loan. XXXX XXXX had a warranty for any roof damage as well as any labor cost for equipment malfunction. XXXX XXXX was paid by Good leap for installation as well warranty. I fall under the SCRA as well.
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAVALRY INVESTMENTS, LLC (KS)

Called at XXXX XXXX XXXXXX/XX/year>. 

Asking for my wife. Number shows up on my phone as spam. Won't tell me who they are or what company they are with. So, I am not going to give you any information about my wife. 

Just wanted to argue with me. 

Told me to Wish my wife good luck... Which I consider as a threat. 

Called number back was hung up on when I asked for who I just spoke to. 

Called back again was sent to the person who made the first call and was spoken to in a way that is uncalled for. 

I had to do my own search to see who this is, and I find Cavalry Portfolio Services LLC at XXXX XXXX XXXX XXXX, CT The number that showed as spam on my phone was out of XXXX, Ok
Consumer complaint received 2023-04-16
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. (MI)

I sent the credit bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
discover home loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX