davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

I opened a checking account with Chase Bank in XXXX of XXXX After a month of maintaining the account it was hacked. Someone spent all of my money in Texas and transferred money to a different account or place. I reported it as fraud. The bank gave provisional credit but then took it back and said I needed to go into a branch and provide proof that I wasnt in Texas at the time of the transactions and my money would be returned to me. I did this and the banker helped me fax over the documents to prove this. Then the bank came back and said unfortunately they couldnt accept that and would not be returning my money. It was over {$800.00}. I have tried calling numerous times to get my money back and my account reinstated but every time I try they tell me there is no history of my account. I just need to have my money back. Its been over a year and its unacceptable.
Consumer complaint received 2018-05-15
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

Charged on XX/XX/XXXX for service to be performend on XX/XX/XXXX for XXXX on my Chase card. Company XXXX XXXX or XXXX XXXX who charged it has a penalty-free cancellation policy ( 100 % refund XXXX if cancelled 2 weeks before service date. 

We canceled 4 weeks before service date. Company becomes non-responsive, fraudulently charges the card again and then refuses to refund or respond the money. 

XX/XX/XXXX Dispute with Chase. Chase refuses to chargeback the merchant and does not investigate thoroughly even though we have paperwork.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC XXXX report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ALLY FINANCIAL INC. (MI)

I have send the payment to my mother XXXX $ thru my XXXX account but they have send it to wrong account has closed in 2019 when I contact the my mom bank they find it in closed account then they have been send it back in XX/XX/XXXX back to ally no Im still on ally bank to give me the money since XXXX The transaction was made in XX/XX/710 $
Consumer complaint received 2018-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a check for {$1900.00} because I was going to sell some furniture in XXXX. When my wife went to deposit the check, all the fu ss were available the next day. So I told the person to proceed with the purchased because the funds were now available. The next day, that person sends me a text and tells me that he had an emergency and that he needed the money back so I sent it to him via XXXX.to 2 different accounts. I sent {$700.00} to the account with the email address XXXX and {$1100.00} to the account with the email address XXXX and that afternoon I get a notification from the bank saying that my account was -XXXX so I called and ask them what happened and that I made those transaction because the funds were available, but they said that the check was a bad check, but they said they could not return my money that I had to file a complaint with yall. That is all the money we had and now it got stolen. The number they texted me from is XXXX this transactions took place in the past 2 days
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This company bought this loan from the original creditor. My son is in school and there is a deferment until hes not enrolled in school. This is the second time this company has done this and it has dropped my score drastically. I get no mail, no correspondence, or anything untily credit report is updated.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (TX)

I opened a loan with Affirm for {$330.00} on XX/XX/XXXX. It wasn't reported on my credit report until XX/XX/XXXX and by then I had already paid the loan in full ( payoff date : XX/XX/XXXX ), but it stayed on my credit report until XX/XX/XXXX as an open outstanding loan. I had not yet contacted the company because by the time I noticed the error, it had finally been reported as closed and paid in full on XX/XX/XXXX. I would not recommend this product or service to anyone. It's a bad financial product and you can't trust them to accurately report on your account.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Denial of Credit Request Under UCC 2-325 Case number : XXXX DEFAULT JUDGMENT FOR NON- PERFORMANCE Dear WELLS FARGO, I hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent denial of my request for a " Confirmed Credit '' under UCC 2-325. 



I submitted my request for a " Confirmed Credit '' with the understanding that it met the necessary criteria and requirements, as specified under the Uniform Commercial Code ( UCC ) 2-325, which pertains to " Letter of Credit. '' It is with great disappointment that I received a denial for my application, as I believed it to be compliant with the relevant provisions. 



I kindly request that you provide me with detailed information regarding the reasons for this denial. It is of utmost importance to me to understand the specific aspects of my request that did not align with the requirements of UCC 2-325. This transparency will allow me to rectify any issues and reapply accordingly. 



As a conscientious business partner, I am committed to adhering to the established legal and financial standards set forth under the XXXX XXXX XXXX. I firmly believe that my application met these standards and should not have been denied. Your feedback on the reasons for this denial will be instrumental in ensuring my future applications are in compliance with the relevant regulations. 



I kindly request that you provide a written response within a reasonable timeframe, outlining the specific reasons for the denial and any steps I can take to rectify the situation. Additionally, if there are any specific requirements or documentation I should provide in a revised application, please inform me so that I can address them promptly. 



Thank you for your immediate attention to this matter. I look forward to receiving your response and working together to ensure that future requests for " Confirmed Credit '' are handled in accordance with UCC 2-325. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

There was an XXXX order that I never received. I contacted XXXX and was refused any resolution. THen I contacted my bank US bank and received this letter attached. Without any explanation, US bank just straight out refused helping me.
Consumer complaint received 2017-03-31
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America took over the servicing of my home equity line of credit from LaSalle Bank. When the line of credit was just prior tomaturity they offered me a pre-approval on the refinancing of the home equity line of credit. I stated that I was going to be selling the home and I was assured that I was only going to be responsible for a {$600.00} pre-payment penalty if it was paid off within the first year. I agreed to the terms on their recorded phone conversation and proceeded to submit all the necessary supporting documentation. At that time my credit scores were well in excess of XXXX on all XXXX major credit reporting agencies. I was assured as a XXXX customer of over 30 years that I was fine. They sent a letter out 45 days later with a statement saying that they declined the refinancing due to the home being recently being listed on the XXXX. I began receiving collection calls from them immediately after this even though I was making timely payments the entire 10 years I had this account until payoff. The B of A collection representative 's response was to put me in contact with someone about loan modification. I was not interested in loan modification. I had kept every creditor paid timely during the Great Recession and was surely not interested in what many people were doing at the cost of others. I immediately dropped the price of my home {$100000.00} and sold it days later. Bank of America was notified from escrow that they were being paid in full and they were. They reported me as a delinquent payee on the account to all XXXX credit agencies with total disregard. Had I not been deceived into thinking that I was approved for the refinancing, I would have had the time to make other payoff arrangements prior to the credit line 's maturity date. I had the capability to do just that but the time consumed by their mortgage department to notify me of their decision negated this possibility. They have not cooperated in anyway to correct the situation that was caused by their attempt to sell me a new loan. Currently, their negative reporting of my account places me into a higher cost of obtaining credit. Is this their tactic? I hope the CFPB looks into this practice. Bank of America never lost a dime on my account. They never had late payments. They yielded in excess of {$100000.00} in interest while I lost another {$100000.00} to protect my credit. The very credit they profit from by getting my credit score lower.
Consumer complaint received 2016-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: First Recovery Solutions, Inc. (MD)

Caller stating co name as First Recovery called abd left msgs with my family member. I called the number back using case # XXXX provided by msg. Their number which did not state a company name XXXX. They said I had XXXX cases out on me, said i would be arrested at my job. They claim it was for an outstanding payday loan that I know nothing of. That asked me to verify my ss #. They claimed they wouls send the police to my jon. I asked for company unfo. They hung up on me. I called back for a fax number and was given XXXX. I said i wanted to send simething in wtiting to not call mt family or job to send info by mail. They hung up in me and continue to call.
Consumer complaint received 2023-11-14
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. (MN)

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.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

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 2024-04-28
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: CITIBANK, N.A. (WI)

XXXX XXXX  made an electronic payment of {$7000.00} to my Macys American Express account on XX/XX/2023. The payment was processed by American Express on XX/XX/2023. Macys continues to state the electronic transfer was intercepted by a third party, who verbally they identify to be American Express, providing no written documentation of such claim. Macys has failed to recover the funds from American Express and to apply those funds to my account. In addition, Macys withdrew, via the automated payment process, {$1200.00} from my checking account totaling two payments in one transaction without my knowledge or consent. As a result I discontinued the payments, filled complaints disputing the full balance of the Macys account. I have not made any subsequent payments and have continued to dispute the balance. Currently, Macys is reporting me as delinquent in this account, having sent information to the credit bureaus significantly reducing my Credit/FICO scores causing damage to my personal and business credit reputation, preventing me from functioning credibly. I have continued to send information from my bank to Macys showing payment. My XXXX XXXX  representative has called, emailed proof of transaction but with no resolve.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (VA)

I recently transferred money on XXXX to my friends and my account got restricted and finally closed by Chase. I asked for the reason and there was no clear response. The Chase checking account is my account, I have a special feeling about it so I am wondering how can I reopen this account.
Consumer complaint received 2018-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

UNFAIR DENIAL OF CREDIT I applied for a business credit card at Capital One with my persoanl guaranted about six weeks ago. 
My company is financially healthy, my credit score is substantially above 800. 
My personal income last year was $ XXXX and my businesses make substnatially more than that. 
Thre weeks later I called to investigate, they claimed I was fradulent when I called to ask why the card was delayed. 
They asked me a long list of very personal questions which I answerwed to their satisfaction. 
A week later I received a credit card. When I tried to activate it, they said it was on fraud hold and I had to provide more informaiton including my photo id using a driver 's license as well as a number of answers to questions. 
I provided those to their satisfaction. They said wait three days. 
Five days later I called and they asked for more information including my social security card. I told them I had lots of information but as a XXXX year od, I did not have the original social security card, it was lost about 30 years ago. 
They said without the original social security card they would not proceed. 
I asked for secondary data that could be used. They said this was the only way to proceed. 
This is absolutely unfair. 
I am a tremendously good credit risk and have had a capital one card for more than 5 years as a private client. I have zero defaults in my lifetime and huge documentation available. 
They falsely accusedme of being a fraud. It is a personal insult in the face of my substantial business success. 
Perhaps because I always pay my bills early, they will never get high interest rates from me? Who knows why they refuse a good, upstanding citizen. 
You don't have to be poor to be cheated by a credit card company.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2023-09-13
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. (NJ)

I am reporting that XXXX, equifax, and XXXX are improperly reporting student loans to my credit report. 

20 USC 1232g ( b ) The Family Education Rights and Privacy Act ( FERPA ) is a federal law that protects the privacy of my student education records.. 

I would like these XXXX student loan accounts removed from my report immediately! The loans are from XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I applied for the SAVE repayment plan, it was approved and nelnet provided documentation on my account that my payment would be XXXX per month. When payments started back up again, my account was never updated with the new payment amount, and currently says I do not owe any money until XXXX of 2025. The first time I called in, they had no idea what I was talking about, and said that I was approved for the {$0.00} payments. I went back through the information on the plan, and based on my income for last year, I should be making a payment. I called back in, the customer service rep reviewed my account, said that they saw that I should have a payment of {$84.00}, and that they were looking into it. They put me on hold for XXXX mins or so, and when they came back on the phone they said that because I had paid my loans off, and then requested my payments to be refunded during the period of time when certain balances were going to be cleared out due to Bidens Student Loan Forgiveness, that my account was not setup correctly. They said they put in a request to have my account updated. My account has not been updated, I have tried to call back in but the wait times are too long for me to wait while working. 

Second issue that I have noticed, is that I have been making the payments I should be making the past couple of months, and all payments are being applied to one loan, instead of to all interest that has accrued on my account, and then towards principle balances.
Consumer complaint received 2023-11-14
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. (KY)

I recently reviewed a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C 1681i all unverified accounts must be promptly deleted. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) .By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Please don't respond to my request by saying these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. The accounts are listed below XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

My name is XXXX XXXX. I first opened the account towards the beginning of this year. Since then, Ive had to change my email, phone numbers and password due to not remembering. I was incarcerated from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I needed someone to access my account due to the fact that I was incarcerated. I decided to give my sister XXXX XXXX POA for financials. She came, I signed and it was filed at the court house. She did get access XXXX XXXX ( Approximately ) She sent me money ( {$300.00} ) and put money on the phone. She then decided to move the majority of the remaining balance to an account with XXXX  XXXX XXXX she was using for.me. That alerted chime of fraud. My sister sent all documents that was asked of her. That didn't work. I got released and contacted chime my self. We went in to XXXX XXXX XXXXXXXX with an appointment asking about the form they were asking for. They advised us that no banks bank statement contains the entire debit card number to protect their customers from potential fraud. Instead they brought up her account and printed the screen showing that debit card was hers. I opened this account strictly for my monthly XXXX payments. I contacted XXXX XXXX XXXX XXXXXXXX XXXX XXXX. My sister and I have sent approximately XXXX emails back and forth. Everytime we send the correct documents, they ask for different ones. Now we're at a point that the bank it's self doesn't offer. I have contacted chime, advise they of this but, there comment is there specially team will contact by email then again ask for same document.