davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (PA)

I have had a Chase checking account for over 10 years and recently they have been charging me $ 12/monthly service fee despite the fact that my account is not overdrawn and has hundreds of dollars in it. I was never charged this for years despite my income fluctuating greatly over the years. This is worse than an overdraft fee because I am being charged it regularly and I dont understand why. They expect people to always have over {$1500.00} in their checking accounts and its really challenging to do that with inflation and the high cost of living today. This fee is predatory and discriminates against low income individuals and households. Because of these reoccurring junk fees I am being forced by Chase Bank to close my checking account. I will have to keep my money at home and will no longer be able to use a checking account. I spoke with two employees at the Chase Bank and neither were helpful and I left in tears. I was offered no solution and was only refunded one of the fees and was told I would be charged more. They made me feel XXXX XXXX XXXX XXXX and I was told repeatedly this was the Banks policy. I closed my savings account and will be closing my checking account later this month.
Consumer complaint received 2024-05-10
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: TRUIST FINANCIAL CORPORATION (FL)

I received a letter from SHEFFIELD FINANCIAL XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX This Loan Application letter was sent to my home address in my name stating Dear Applicant Thanks you for your recent application. Your request for a loan was carefully considered. 
They did not give the loan, for which I am thankful I HAVE NEVER APPLY FOR ANY LOAN THROUGH ANY CREDIT AGENCY NAMELY XXXX OR ANY AGENCIES ATTACHED TO XXXX XXXX  But some one was actually trying to apply for loan in my name through XXXX XXXX XXXX XXXX XXXX, GA XXXX - XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (LA)

My car was totaled out and the car was financed through western funding. XXXX paid the company so Im not sure why there is a XXXX balance reported to my credit report and also sold XXXX. That is a violation of my consumer rights .So both are sitting on my credit report without my permission I am not aware of this balance and was never notified of such
Consumer complaint received 2024-05-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IN)

XX/XX/XXXX I was told XXXX would be processed in my account by the XX/XX/XXXX Never got I got emails saying they sent XXXX checks to my house Did not I need my money A technician name XXXX contacted me but never returned my funds to my account XXXX XXXX at XXXX an {>= $1,000,000} Never seen my funds in my account Then XXXX checks {$70000.00} as XXXX XXXX Never received My email address for chime is XXXX XXXX XXXX on old account XXXX XXXX but my account number is the same
Consumer complaint received 2024-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Brock & Scott, PLLC (NC)

Violations of The Fair Debt Collection Practice Act and The Truth in Lending Act 1968 the Equal Credit Opportunity Act. There is abundant evidence of the use of abusive, deceptive and unfair practices. 15 US Code Section 1692 D harassment or abuse. ( 4 ) the advertisement for sale of any debt to coerce payment of the debt, And false and Misleading misrepresentation
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AZ)

So I have all the couple of disputes with them because there was money coming up missing out of my account so they denied all these the volume Dispute so I asked him to send me information on why they denied the dispute and pictures of whoever withdraw the money out of my account and I still have not received anything from them
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/2022 I deposited a {$200.00} personal check into my Fifth Third bank account the check was drawn on my XXXX XXXX account which is valid I check my account balance before the transaction so I knew I would be overdraft that transaction at that time I had to make a decision to float a check in Order to pay my rent especially since I would be getting paid in a few days and it all would even out due to my paycheck being directly deposited into my Fifth third bank account every week. 

When my paycheck was deposited in my fifth third account it was {$340.00} in the negative that left me with {$140.00} in the positive when I arrive at fifth third to withdraw my money to pay another bill they refuse to give it to me presently my account with Fifth Third is locked and they are refusing me access to my available funds. please help this is unfair.
Consumer complaint received 2024-05-08
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Americor Funding, LLC (TX)

Agreed to a 42 month plan with Americor to negotiate three accounts ( XXXX  XXXX XXXX {$22000.00} ), XXXX XXXXXXXX ( {$6800.00} ) and XXXX XXXX ( {$26000.00} ) ). I met the 42 month plan that started on XX/XX/XXXX and now Americor needs another 12 months due to failing to negotiate my last account with Payoff. This is consumer abuse and irresponsible on Americors part. I was told by the representative I spoke to that its common to see this on last account negotiations. Unbelievable. We are no longer able to meet this plan and the only option they gave me is to negotiate this with XXXX myself which is what I thought the plan with Americor was about. Americor is more concerned with them getting paid their {$7000.00} fee so they can be paid first versus fighting for their customers. 

I spoke to a previous agent XXXX XXXX on XX/XX/XXXX that mentioned that Americor can negotiate with at least 50 % of the debt owed which we have now so makes no sense that Americor is now pulling this.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-08
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: TD BANK US HOLDING COMPANY (NY)

I was on vacation in XXXX from XXXX XXXX XXXX XXXX where XXXX XXXX  and additional XXXX assault occurred on XXXX Flight XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI ended my trip early. 

A XXXX right to life group was housed in XXXX I remained at ; XXXX XXXX whereas Patrons from the Bar began harassment XXXX minutes post Check in. 

These items were reported to XXXX XXXX walk, XXXX, Law enforcement XXXX Florida and XXXX XXXX XXXX XXXX Police. 

I asked TD Bank holder of my Debit card to return Losses based on intentional penal code actions. Merchant Complaint was filed within All merchants of which TD Bank denied me return of funds. All Copies of law enforcement reports provided to TD Bank of which TD failed to permanent return of funds and advised Customer no Appeal Process within TD bank exists for reconsideration by TD Bank. What steps within enforcement can CFPB take to ensure FDIC and Consumer Protection laws are enforced. Reporting of Crime ; provides Commercial Banks effective immediately return Any credit card purchase due with Incident and preventive measures within victims public safety concerns. TD bank was unwilling to accept Police reports as proof of reporting.
Consumer complaint received 2023-08-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was never given my cash back bonus of {$600.00} after spending {$4.00} XXXX dollars within 3 months. And massive unauthorized fraud on my account which bank of America is refusing toacknowledged. Collection agency are constantly calling me and Boa puts me on hold never to pick back up after telling them about fraud
Consumer complaint received 2024-05-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (NH)

I consolidated my XXXX XXXX loans with XXXX, managed through American Education Services, in 2016. When the pandemic hit, and I entered XXXX XXXX at the University of XXXX XXXX  XXXX XXXX XXXX XXXX AES told me that my payments must continue. This put me in an awful financial situation, as I struggled to make my monthly minimum of ~ $ XXXX. They repeatedly told me that my loans did not qualify for any deferment or forbearance. Finally, in my XXXX XXXX XXXX XXXX XXXX, they approved a 3-month deferment and, upon showing financial hardship, allowed approximately one year of forbearance. However, I recently sought to minimize my monthly payment through a loan modification, as I XXXX XXXX XXXX XXXX and I am trying to repay the money owed on credit cards given the three years of making payments I couldn't afford during school. Those requests were denied, and I was told there's nothing I can do- they will not work with me on lowering my monthly payment. Finally, after pressing, the AES Representative explained that my previous requests for XXXX deferment were denied because I had originally selected " immediate pay '' and thus waived any right to XXXX deferment. This tactic of burying an important term and making it so inconspicuous is not only predatory but should also nullify the contract as void/voidable.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (LA)

Chase bank closed my account after my debit card was stolen, I reported it was able to get the money back into the account just in time for chase to lock me out of it. They said they have to do an investigation before they will release any money, thats my bill money Im dead in the water.
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mandarich Law Group, LLP (IL)

Mandarich Law Group , LLP sent a summons for an alleged credit card debt amount. However, they violated the FDCPA regulation F that states, " ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; '' They used a rushed and improper method, and therefore did not follow proper protocol, resulting in a faulty court trial case.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (DE)

This collection agency has violated the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) By not providing the needed information to properly verify this alleged debt. i have asked for the following documentation to be sent pursuant to that law : The complete and signed contract for the debt obligation which is the subject matter of this dispute ; An itemized breakdown of what you claim the money is owed for ; Explain and show me how you calculated the amount in dispute ; Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that I agreed to pay the amount you claim that I owe ; Identify the original creditor ; Identify and accurately describe any third-party costs for which you are charging me, and that you have included in the disputed amount along a complete itemization of all such charges ; Provide me with an affidavit that the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect on a debt in the State of Delaware ; and Provide me with your and your client 's proof of Good Standing under the laws of Delaware and the Secretary of State along with information regarding your Registered Agent for Service of Process. If this company have the proper authority to collect on this debt, my request should not have gone unanswered. Please help me pressure this company into providing the needed documentation on this.
Consumer complaint received 2024-01-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

Amex giftcards are ridiculous. I have yet to find a location where the card is being accepted and can not be used online, even on a low of the sites they have on the website.
Consumer complaint received 2024-05-08
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: GOLDMAN SACHS BANK USA (AL)

I recently reviewed my report and I noticed inaccurate information still reporting inaccurately on my reports. I have sent multiple letters of communication to XXXX, XXXX, XXXX and Goldman Sachs with no response to my requests. On my credit report it shows Apple Card- GS Bank USA is a charge off but has a reporting balance of $ XXXX noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes. I have demanded proof of debt showing my signed signature, proof of purchase, It has been over 90 days since the first initial dispute which violates FCRA section 623 ( a ) ( 3 ), which violates the law.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (LA)

I am writing to formally dispute a discrepancy regarding my real estate loan with Shellpoint Mortgage. According to my credit report, there is a missed payment erroneously recorded in XX/XX/2023. I wish to bring to your attention that this discrepancy was addressed during the COVID-19 pandemic grievance period, during which I received written assurance that the credit report error would be promptly rectified. 

Despite assurances, as of today, the erroneous late payment remains unremedied. Consequently, I am seeking an immediate resolution to this matter. Specifically, I request the immediate removal of the late payment from my credit report and the correction of this error with all three major credit reporting agencies. 

Your prompt attention to this matter is greatly appreciated, and I trust that this issue will be resolved expeditiously.
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (TN)

My account was locked with no reasons were given. I made XXXX small initial deposit and nothing else since. Nothing about myself or my account was fraudulent. I asked Crypto.com repeatedly for my money to be sent back to my original payment method or via check to my personal address in which they both refused to do. My account remains locked and crypto.com refuses to respond or accommodate me in any way at all. I have emailed crypto.com directly multiple times requesting the same as well as got in line for chat support with no response or interaction.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Im writing to exercise my rights under section 609 of the Fair Credit Reporting Act. Im requesting information regarding the following accounts listed on my credit report : Account Name : XXXX XXXX XXXX XXXX Account name : Capital one Account Name : XXXX XXXX XXXX  According to section 609, Im entitled to all pertinent information regarding these accounts, including the original contract with my signature. If youre unable to find this information within the 30-day time limit, I request that you immediately remove the information from my credit report.

As proof of my identity, please confirm copy of my Social Security card, birth certificate, passport, W-2, electric bill, and rental agreement. Also included is a copy of my recent credit report, with the accounts in question highlighted.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not onl violates federal law but also disregards my personal rights to privacy and control over my financial information. 
Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-01-25
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: DISCOVER BANK (CA)

I used my credit card for my XXXX XXXX removal. I was wrongly charged twice and sent my findings to my credit card company and I lost both of my disputes. I dont have a problem paying, but I want to pay the correct amount.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.