davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (SC)

My bank account is overdrawn currently my checking and savings accounts. It has been overdrawn since last Friday XX/XX/2018, I signed up for over draft protection only to find out that the bank has two separate overdrawn protection features I found this out today on XX/XX/2018, the first one is the debit card and the other one is the account.i have never herd of this and when I went into the bank that was never  explained to me at all, so I get hit with XXXX dollar fees all the time then to find, then I was told that even if I have over draft protection that if anything hits my account and the account is empty then I will still get hit with XXXX dollar fees. This bank doesn't work with it's customers especially those whom are poor and are on a budget, I can not close the account until I pay off what I owe them.they make a lot of money off of me since I have opened an account with them and I have been dissatisfied with them since becoming a member. I have bank with other Banks before and they offered some type of help and other ways to keep me financially sound but this Bank offers no leniency Little to no education as the how they run things and something needs to be done about this because every time I turn around there is a fee for everything doesn't my money matter? I may not have a lot of it but I have enough to keep me afloat, and if this bank is legally able to operate this way I need to see everything in writing that was they have not provided me with that all.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I deposited a paper check I received from my company drawn on XXXX XXXX  into my Bank of America Checking account on XXXX. When I made that deposit I was given notification from the bank that a hold Would be placed until XXXX. I saw this as standard and accepted it as such. Yesterday XXXX I was issued another notification from Bank of America that the hold would be extended until XXXX. I called the bank today to get more information about why the hold was arbitrarily extended. I could not get a straight answer only that it was categorized as a Risk Hold. I personally feel this action was punitive on the part of Bank of America due to my previous complaints and stating my intent to close this account at the end of the year after being fed up with their non-sense approach to handling customer accounts.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (WA)

I have visa credit card with chase. They have been emailing me the past month with offers to pay purchases over {$100.00} in installments with no plan fees. The offer in the mail states : " Break up purchases over {$100.00} into equal monthly payments. Enjoy no interest plus $ o plan fees on the first MY Chase plan you create by XX/XX/XXXX ''. 
The last email I had for this offer was on XX/XX/XXXX. I paid for a future vacation worth {$7000.00}. on XX/XX/XXXX hoping that I could avail of this offer. However, all of a sudden, my ability to pay over time was cancelled on the chase app. The site was not allowing me to avail of this offer. When I asked the company for an explanation, they said that customer 's eligibility changes based on circumstances and that they could change at any minute. They specifically said that " offers can be removed for various reasons. When account information changes, offer eligibility changes '' I think that this is false and fraudulent advertising. It entices the customer to take on credit with the hope of using an advertised offer from the company, and once credit has been obtained, the offer is suddenly discontinued without explanation
Consumer complaint received 2018-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I was a victim of a fraud where my Chase online banking information was hacked and someone tried to XXXX their account. The hacker first sent {$550.00} to a recipient on my list which went through and then tried to send {$250.00} to their own account which was flagged by Chase since I do not have a history with that person. My account was restricted and I was forced to go into a branch and was advised that I needed to open a new checking account and have all the funds transferred over. The funds transferred to my newly opened account was correct except it was missing the {$550.00} which was still in that recipient 's account. I reach out to them and they confirmed that the money was in their account but Chase had froze his account as well and he was not able to access that money to refund it back to me. We both called in on a 3 way call to open a claim and they later transferred us to a different department who told the recipient that Chase is ending their relationship with him and he could no longer have an account. The same thing happened to my account moments later and we were both told that we would no longer be allowed to bank with Chase Bank and they are closing our accounts. They later told us that the account would close in 10 business days and up to another 7 business days to get our funds back in the mail. Completely unacceptable given the circumstances, I was a victim of a fraudulent activity and Chase has literally gone above and beyond to make this experience worse for me and even as far as to close out the account of the recipient who has nothing to do with this and has even offered to refund me the money!!! Now we both have to wait 17 business days to receive our funds back and can no longer bank at Chase that I actually used to work for. Unacceptable behavior as a bank and company ...
Consumer complaint received 2023-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

My house loan was sold to Fay Servicing last year and I have been charged each month to the escrow account. The problem is that I have paid all the insurance and property tax myself and the escrow account does nothing literally. I contacted them several times via email and phone to close the escrow account and get refund and they always say that it requires some time. 

The total amount of refund should be {$11000.00} till XX/XX/30 if I did the math correctly. Meanwhile the escrow account is still open so I'm still enforced to pay that extra money. I'm talking with a lawyer about this.
Consumer complaint received 2023-05-22
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: Applied Data Finance, LLC (MS)

I do not recognize how this account is reporting on my credit report. I don't recognize the account number, I don't recognize the account status, I don't recognize the account high balance, nor do I recognize the late payments associated with it. Everything reported here doesn't meet the FCRA. 

15 USC code 1681n civil liability for willful noncompliance 15 USC code 1681o civil liability for negligent noncompliance 15 USC code 1681e compliance procedures
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION (OK)

I have received an alert from XXXX about a hard credit inquiry by Fifth Third Bank. 
The alert indicates that a potential lender or creditor ( Fifth Third Bank ) pulled a copy of my credit file. I did not apply for any credit with any creditor. Therefore, this credit pull is fraudulent.
Consumer complaint received 2023-11-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IL)

I have been trying to reach our mortgage company, NewRez since XX/XX/2023. The one time I was able to get them on the phone, the system was down and they advised that they would call back. I have yet to receive a returned call. Our mortgage recently increased due to insurance rates- so we found a new insurance company. The new insurance company is drastically lower, I confirmed with the insurance department at XXXX on XX/XX/2023 that the new policy information has been received and is on file. 

I asked the insurance department what the next step is to reduce the payment as the insurance premium was significantly lower, I was advised to speak with customer service. 

I was on the phone with customer service for almost an 35 minutes- they have disputed that my insurance documents have been received and tried to transfer my call back to the insurance department- I then requested to be transferred to a supervisor and was told " they would call back ''
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company (PA)

accordance with the fair credit reporting act, this creditor, XXXX has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose
Consumer complaint received 2023-11-27
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: ALLY FINANCIAL INC. (NJ)

My credit has been run multiple time by unauthorized companies that I don't have no relationship with. 5 times on the same date which XX/XX/2023 ( Ally financial, XXXX XXXX XXXX XXXX )
Consumer complaint received 2017-03-29
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My manager deposited a check to my account as my paycheck did not go through for my first week of work. I never use a teller with my bank and I have been with this bank for over ten years. Bank of America charged me XXXX to use the teller. I never bounce a check and I never use a teller. I explained to them about the reason why a teller was used and it was the first time I have ever used a teller with Bank of America. I was told that they could not refund this. It is {$8.00} and they can not refund that back to my account? A bank as big as Bank Of America?? Really? This is absurd. These banks are getting away with murder and if it was not for the consumer, they would not even be in business. These banks are taking advantage of the consumer and it needs to stop. I seriously need to find a credit union. After a second call and notifying them that I was filing a complaint, they decided to refund the amount. You have to watch these banks like a hawk. Seriously.
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (VA)

Demanded the account be closed in XXXX of XXXX. Still hasn't been done. Got dunned XX/XX/XXXX for {$15.00}. YEAH RIGHT! Closed accounts can't generate fees. WILL NEVER PAY. I marvel at Discover Banks inability to perform the simplest functions in the year XXXX. I am certain we will be soon bailing them out. What a bunch of XXXX XXXX.
Consumer complaint received 2023-08-29
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. ()

Dear Sir/Madam : I bought the {$250.00} Vanilla prepaid card ( XXXX XXXX XXXX XXXX ) at XXXX XXXX on XXXX XXXX. I paid {$1.00} to XXXX XXXX for verify the card works or not. Then I used the prepaid card without any problem. But I closed XXXX XXXX account later, XXXX XXXX refunded the balance {$590.00} to the VISA Prepaid card. But the card doesn't work. I called the VISA company, the agent told me they can see the VISA prepaid card has {$590.00} on balance. and he opened a ticket ( XXXX ) and wait until XXXX business hours. 
I called them again, another agent said the ticket was still opening, let me wait another XXXX business hours. 
I followed this case again. One lady told me, the ticket was still open, and asked for the documents. But I have never received any notice for it, But I send all of the documents ( photos of the original card, receipt, and the original package ). She said, I will get a replacement card later. 
Then I received a email from XXXX, the email said, I need provide a copy of the original purchase and return receipt for the XXXX XXXX return. I called XXXX XXXX, they said my account is closed already. they can not provide anything to me. 
I called Incomm again, the first agent said he can not do anything for it, I asked for transferring to the supervisor. Then the supervisor still told me they need the copy from XXXX XXXX. She promised me, I will get a call from a manager in XXXX business hours. But until now, no one contacted me. 
As a consumer, I simply used this company 's prepaid card, received a large refund, and then restricted this credit card. And then refused for various inexplicable reasons.This money is too important to us for current economic environment, everyone is struggling to survive. But this company 's approach leaves consumers sad and disappointed. 
I hope that with your help, you can help me recover this XXXX dollars. This would be a huge help to my XXXX  family. Thank you for your time and help.
Consumer complaint received 2017-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (NC)

Despite repeated requests, Nelnet will not grant me access to my online account. If they fail to abide this, I will be forced to file a civil action and a claim with US Dept of Education Ombudsman 's Office through my Congressman 's Office to compel the US Dept of Education to compel Nelnet to allow me access to see how much interest has accrued since the filing of my Chapter XXXX Bankruptcy. 
If there is such a regulation or law prohibiting me access to my student loans account online, then I have a legal right to Discovery. Please provide the following : ( 1 ) the legal statue ( cited with section and paragraph number ), ( 2 ) when this statue was enacted, and ( 3 ) the exact verbiage of the statue and how Nelnet is interpretting this statue. 
If it is a regulation, then please cite the regulation, which Federal agency it falls under, and a point of contact person at that agency regarding this matter.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Attached are my Legal Documents in PDF format as Follows : Revocation of POA, Revocation of Security Interest, Proceeds, and all and any insurance applied for on my behalf. I have also sent true and correct copies of both Recovaction Legal Documents to the court for filing in the current Civil Complaint, and to the XXXX XXXX XXXX XXXX XXXX representing attorney in the proceedings.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (KS)

On XX/XX/23, I requested and received from Chase Bank an email with a coupon code to get up to {$900.00} for opening a new checking account and a new savings account, then fund the savings account with {$15000.00} within 30 days of account opening, and make a direct deposit to the checking account within 90 from account opening. The offer is valid through XX/XX/23. 

The email from Chase has a coupon code to provide to a banker if opening the accounts at a Chase branch. The email also has a green box to click on to open the accounts online. Below the green box is the statement " Coupon code applied when you click Open both accounts. On XX/XX/23 I clicked on the green box the email and opened my new checking and savings account. I've funded my savings account with {$15000.00} new money on XX/XX/23, and will have a XXXX XXXX from Social Security to my checking account on XX/XX/23. 

On XX/XX/23, I sent a Secured Message to XXXX to confirm that the coupon code was automatically applied to my accounts like it should be. A rep responded that my accounts did not have any coupon code applied to them, and it was past the 21-day limit for the rep to apply the code manually. 

On XX/XX/23, I called Chase Customer Service about the issued. A rep took all the information then passed the call to her supervisor. The supervisor opened a ticket to have the case researched by someone higher up. 

On XX/XX/23, I received a call from Chase rep telling me that the issue has been passed on to the Banking Team to apply the coupon code and they would get back to me within 3 to 5 business days. 

On XX/XX/23, I called Chase Customer Service to inquire on my case because I still haven't heard back from the Banking Team. I was told that the coupon code still has not been applied to my accounts. 

I want to have this issue resolved by having the coupon code applied to my accounts. If Chase needs the code from the email that Chase sent to me, they can contact me and I'll provide the code over the phone.
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I bought a car in  XXXX   2017 . They never told me my credit was going to be ran through  XXXX  different companies. There is also  XXXX  cards applied for that I did n't apply for.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-11-27
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: LEXISNEXIS (SC)

I contacted LexisNexis via US Postal mail and Fax. LexisNexis claims its been verified the XXXX XXXX on my public record as Accurate and True. They cant verify as such. I have a letter directly from the NJ Federal Bankruptcy Court saying they report to NO ONE!! LexisNexis is simply a third party company that pulls public record through poor outdated electronic means. XXXX!! They have zero interaction with the court. Ive asked LexisNexis for proof for 2 years!! I want legit documents, emails or postal mail. LexisNexis can not produce evidence that they have been in direct contact with the NJ Bankruptcy Court regarding my XXXX XXXX. Since they are liars I want the public record removed from all credit score companies. They so easily slapped it on my report by getting this garbage from XXXX. There are many discrepancies none of which they could possibly verify. I have a letter from the federal court. They are committing a crime.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (MI)

XXXX XXXX COMENTITY BANK JARED XXXXXXXX XXXX In accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 usc 1681 section 602 states, I have the right to privacy. Under 15 usc 1681 604A section 2, a consumer reporting agency can not furnish an account without my written instruction. 15 usc 166B, states a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.
Consumer complaint received 2023-11-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (MI)

on XXXX XXXX  i purchased a XXXX XXXX XXXX  from XXXXXXXX XXXX  which was financed through credit acceptance for {$27000.00}. with a 72 moth payment plan of XXXX. But i did not know that the dealer who i bought the car from added extended warranty, gap insurance, and roadside assistance, which added almost XXXX in extra to the amount being financed plus interest. on XXXX XXXX i called credit acceptance to get those extra items removed. They removed those extra items from the original amount financed but said my monthly payments would still be the same. I asked how is that possible when almost XXXX in extra charges were taken from the original loan amount, I was told that i would just be paying the car off early. i explained to credit acceptance that the contract is for 72 months, how can that be changed. i was told that i would just be paying the car off early. I explained to credit acceptance that at this time i do not wish to pay the car off early and would like my monthly payments to be adjusted to what the contract says which is 72mnths of payments for the amount financed i told there is nothing that can be done. This is clearly a breach of the original contract by forcing me to pay the loan off early than the agreed upon time frame that the loan is to be paid back and i will be getting legal counsel with this matter it just doe not feel right to me