davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank Private Client Checking Account # XXXX I reported my private client debit card as lost/stolen on XX/XX/XXXX on the phone with an agent from the claims department. 
There were many transaction on the card that I reported as unauthorized, however, unfortunately, the following XXXX had already been posted onto my account : - Non-Chase ATM Withdraw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} - Non-Chase ATM Withdraw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} On XX/XX/XXXX, I received temporary credit for these transactions. 
On XX/XX/XXXX, I received a letter from chase that the transactions were processed according to the information I provided or were authorized, and that the temporary credits will be reversed This is absolutely unacceptable : Since XX/XX/XXXX that I reported the unauthorized activity on my account, I never received a call/letter from JPM Chase Bank XXXX requesting additional information, prior to my claim being denied. To solidify my case, please note that I have also filed the police report # XXXX, XXXX XXXX, XXXX # XXXX. 

According to laws and regulations, for any unauthorized charges made on my debit card, if reported promptly, I must not be held liable. If the bank decides to deny my claim, I must be provided with an explanation that sets forth the reasons for the banks belief that the billing error alleged by me is incorrect, in whole, or in part, and I must also be provided with copies of documentary evidence that was used by the bank in determining my indebtedness. 

Given the police report that has been filed ( under the penalty of perjury ), as well as the prompt reporting of the unauthorized charges on my debit card, I would appreciate it, if JPM Chase Bank could reconsider its decision, re-open my fraud claim, and reimburse me for the fraudulent charges that has occurred on my debit card. 

If JPM Chase Bank still decides to deny my claim, with all the new information that has been provided here, I, hereby, request the bank to provide me with the documentary evidence used in making this conclusion. Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (CA)

In XX/XX/2023 I cashed a loan check drawn against a Citibank account. I had no problems cashing the check and I subsequently opened an account. In XX/XX/2023 I refinanced the loan and Citibank would not cash the check. I was told Citibank Delaware is a third party and they could not cash the check. I just dont understand. The bank manager refused to cash the check. I think this is ridiculous and unbelievable. I will close my account once my funds clear, but this is unacceptable.
Consumer complaint received 2023-12-20
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2023-11-14
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: U.S. BANCORP (AZ)

We wholeheartedly believe that U.S. Bank is purposely slowing the process of assumption of XXXX. Loans. We have now successfully closed on the sale of our home, but only after a very frustrating several months of the buyer ( and XXXX as the seller ) as well as our realtors trying to complete the assumption process. Our loan servicer from U.S. Bank ( XXXX XXXX ) would not return phone calls or emails. Ultimately our buyer decided to cancel the assumption and obtain a new XXXX. Loan at current interest rates in lieu of assuming our mortgage at a much lower rate. 

We were originally quoted XXXX days for the assumption- when we were well into the process the timeline changed to XXXX months. 

The winners here are clearly the lenders and the losers are our veteran buyers with a higher interest rate on their new mortgage and XXXX as the sellers having paid several XXXX dollars in interest due to the inaction of U.S. Bank. 

I believe that lenders across the board are purposely making the assumption process tedious and lengthy to discourage the process. Clearly it is not in their benefit to do so as an industry as each mortgage that is NOT assumed and has a new mortgage written is worth hundreds of thousands of dollars more to the lender over the life of the loan. 

Bottom line- this seems to be widespread and purposeful tactics on the part of lenders to minimize the number of mortgages assumed even though there should be a clear path to provide for this and I believe this path should have a similar timeline as a regular mortgage. 

I have attached just XXXX of the communications that our realty team and we had with U.S. Bank - if needed I can provide notes on the calls made as well. I can only presume that had our buyers decided to continue with the assumption process in lieu of securing a new mortgage that we would have paid out nearly $ XXXX in interest while waiting for the assumption process to complete and the sale to close.
Consumer complaint received 2023-11-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (UT)

I was sent a medical bill over a year following the service XX/XX/2023 and contacted the company about them billing it improperly. They only billed XXXX of my XXXX insurances and I was told I would be contacted with more info following this. I was then sent to collections with no further information for the amount that was improper. The company that sent me to collections was sterling medical center in XXXX XXXX XXXX. I was never sent another itemized bill either to ensure the proper billing had been completed
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 : DEPTEDXXXX Account XXXX Account Name : U S DEPT OF EDXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a 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 2024-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

In XXXX, my account with Mohela was placed into administrative forbearance due to Mohela incorrectly billing people. I received notification that this would still count towards my PSLF. Again, in XXXX, my account was placed into processing forbearance since mohela was delayed in processing my new IDR plan. Again, I received communication that this would count to my PSLF counts. On my account, both months are showing as ineligible for PSLF. I was informed my multiple Mohela employees ( XXXX, XXXX, and XXXX ) over XXXX separate calls that despite it showing up that way on the website, if I submit the employment recertification/verification, XXXX and XXXX would be counted as eligible. So, i submitted the requested paperwork and received my results today ( XX/XX/XXXX ). XXXX and XXXX were NOT counted towards my PSLF. Additionally, they also did not count XXXX for my unsubsidzed loans ( only towards subsidized ). This makes so sense, as my account is not in forbearance and I paid my XXXX bill in full.
Consumer complaint received 2023-11-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (TN)

I am writing to further address and elaborate on the concerns previously outlined regarding the Retail Installment Contract for my XXXX XXXX XXXXXXXX, purchased on XX/XX/2017. My review of the contract and the corresponding SEC Form 10-K filings of your company has revealed additional discrepancies that necessitate clarification. 

To reiterate, the initial agreement, as per the Retail Installment Contract, was between myself ( as the buyer and co-buyer ) and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( the seller-creditor ). However, my post-purchase interactions have been solely with Regional Acceptance Corporation. This shift in dealing parties suggests a lack of transparency in the transaction. As a bona fide purchaser, I was under the impression of obtaining a vehicle loan, yet it appears the seller-creditor received payment through my security ( the retail installment contract ) and subsequently transferred their liability to me, benefitting all parties except myself. 

Furthermore, Section 2c of the contract states that all costs associated with the vehicle, including insurance, maintenance, and service, would be covered by this security. Contrary to this provision, I have personally borne these costs. This section also asserts that the security would cover all contract-related costs, yet I have been making these payments independently. 

Additionally, I have concerns regarding Section 3f, which outlines repossession procedures. It specifies that I would receive written notice prior to repossession, which did not occur. Moreover, the contract includes an arbitration agreement, yet no arbitration was undertaken prior to the vehicle 's repossession. 

Beyond these issues, upon examining the details pertaining to Regional Acceptance Corporation, an affiliate of Truist Bank, I noted an overlooked aspect. The original purchaser is ostensibly entitled to receive payment each time the security or contract is sold. I have not received any monetary compensation from the transfer of my security, which raises questions about the compliance with this clause. 

Lastly, I propose a resolution to give value to the original contract by endorsing it as " pay to the order of Regional Acceptance Corporation '' by myself, the purchaser. This action is intended to fulfill my end of the contract and effectively clear the liability balance from the contract. 

Your prompt and thorough attention to these matters is highly anticipated. Clarification and resolution of these discrepancies are crucial to maintaining the integrity and fairness of our agreement.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XXXX XXXX  a transfer I did not authorize appeared on two accounts marked XXXX XXXX XXXX XXXX that was not showing either XXXX XXXX XXXX when I checked my accounts. One {$3000.00} and one {$10000.00}. I do not allow my account to be overdrawn. I require two way confirmation when signing in. I require the bank notify if a new device accesses my account and when a new account transfer account is added. USAA did none of these things when they allowed a scammer to transfer these high dolor amounts of funds without notifying me. They used my daughters social security check towards this deficit as well as withdrew without my permission funds of about {$650.00} from the new account I made free from fraud towards the fraud account in a deficit. They also told me the investigation would take 9-10 days on obviously fraud transactions.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 Account Name : XXXX  Account NumberXXXX Account Name XXXX XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX  has violated my rights. Or a 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 2023-11-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I was financed through XXXX XXXX for a XXXX  XXXX XXXX. I had an accident, and the car was totaled. The company that initially did the appraisal to determine what the GAP insurance would have covered was not the company listed in my buyers ' contract. 

{$5700.00} has been reported on my credit report. First, the XXXX  XXXX XXXX was not worth the amount that has been reported based on XXXX 's XXXX XXXX value. We had discussed settling the account at {$2500.00}. 

Under The Truth in Lending Act, it requires lenders to disclose information about all charges and fees associated with a loan. How does a settlement discussion of {$2500.00} goes to {$5700.00} for a car whose value is not even worth {$5000.00}. This is what companies such a Credit Acceptance has done targeting certain ethnic demographic 's reporting negative information to Credit Bureaus and including extra hidden fees that is not in the contract or in agreement with the value of the automobile.
Consumer complaint received 2023-11-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Company is Venmo - The original email said I had a negative account balance because of a flagged credit card that was never used on their site. They later sent a separate email with a different reason that mentioned a transaction sent to user @ XXXX on XX/XX/XXXX for {$500.00}. I promptly notified customer service via their chat service on XX/XX/XXXX to let them know about the erroneous transaction. They ignored my notification and continued with the funds transfer to the recipient without placing a hold or waiting for funds to clear ( which they didnt because I disputed It with my bank ). I never received any details or information from them regarding this transaction until recently when I opened a new account with their company. They froze the new account ( which is now closed ) and started sending me collection notices. I explained the circumstances to multiple agents ( 3 or 4 different names ) and that Ive never received these emails in the past. I promptly notified them on the date of the transaction and was not provided any additional details or information regarding further steps to stop the transaction in XXXX. As far as Im concerned, their issue needs to be addressed with the recipient as I do not owe them any money. Ive now requested on 4 or 5 different emails to cease communications with me and to add me to their Do Not Contact List, but they continue to ignore my requests. Their emails mention being able to opt out of further communications, but Im not able to complete the request because I no longer have an account opened with their company. Id like for their continuous harassment to stop and for them to quit transferring me to new agents ( Im assuming this is to avoid fines ).
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (LA)

This company is reporting fraudulent inaccurate information on my credit reports. I have requested that they provide the purchase agreement to show full ownership of such account and other documents so I may review to see if this is actually an account that belongs to me. Below is this information that I initially requested from this creditor : 1. A copy of the original contract and/or original purchase agreement that created the alleged debt.

2. In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership.

3. Also include a full accounting history from the original creditor including date and amount of each payment and the Date of First Delinquency leading to the collection status.

4.If any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement.

5. Proof that you are legally allowed to collect on alleged debts in the state of Louisiana, including your Third-Party Debt Collection Bond.

6.Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC makes it clear that " debt parking '' without proper notices is a violation of consumer 's rights.
Consumer complaint received 2023-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (IL)

I received two different escrow statements. The first one stating that they paid my property taxes in XXXX. Then I decided to close my escrow account because I am able to do that. Then they sent me a final statement in XXXX with the property tax payment removed. Then I received my tax bill stating it has been paid by my bank/mortgage company . I double checked with my mortgage company and they stated they hadn't paid it. I asked why and they couldn't give me a reason why. I was on the phone with them for over an hour. They either falsified documents or don't know what they are doing.
Consumer complaint received 2023-11-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: U.S. BANCORP (TX)

I have a mortgage home loan with US Bank. I fell behind on payments on XX/XX/2023 due to child support issues and have recently been able to resolve the hardship as of XX/XX/2023 and can resume making the original mortgage payments however when i explained this to US Bank Home Mortgage they modified the loan to terms that were excessive and added {$400.00} to my monthly mortgage payment and increased the loan from 4 % to 7 % making it impossible to pay the new terms. I have asked to have the loan modification reprocessed as this is unacceptable and i cant get one person to assist or help in this matter at US Bank. My loan servicer XXXX XXXX will not return any calls, emails at all. Every time i call the default number the customer service reps are rude and refuse to transfer me to a manager. I can afford making the payment of {$1000.00} however i refuse to allow this bank to take away the rights that i have as a customer. I need help getting these people to do their jobs and go back to the drawing board and come up with another modification that are terms i can afford. The management is atrocious.
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CO)

Have a loan with a principal balance of {$2500.00} with an interest of 5.500 % which should be accruing interest at about {$11.00}. It is growing by close to {$25.00} a week. When looking at payment history, it is not being shown as they are simply taking off from the principal as I'm paying within 120 days of disbursement. I have sent XXXX emails and sat on the phone for XXXX XXXX  straight one more and then again over a week later. After the payments were made I got an email saying that the payment would be processed differently. Every payment I made led to a confirmation email with my most recent one saying I paid for that specific loan on XXXX, but the Nelnet website says that my last payment was XX/XX/11. I have not been able to get into contact with anyone and have been paying too much money to keep that interest low so it doesn't continue growing.
Consumer complaint received 2023-11-14
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. (MO)

Experian 's own website says this company is not telling the truth once again they stole 17 months of on time never late payments to XXXX and refuse to put it back but keep pushing loans and credit cards saying this will raise my credit score, THIS IS FRAUD
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2023-11-14
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: Paypal Holdings, Inc (NV)

I've lost my card and someone found it and use my card to withdraw money out a atm I contact the company but they just shut down my card and never reissue me a new one or update me about my claim XX/XX/XXXX- {$220.00} XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$200.00}