davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Someone had access to my account after Chase Bank 's fraudulent department contacted me. 

On XX/XX/2023 I received a call from Chase Banks Fraud Department informing me that someone tried to make a purchase at XXXX XXXX in XXXX for an amount of {$390.00}. And that it was declined. 

Friday, XX/XX/2023 I logged into my mobile bank and noticed my SAVINGS ACCOUNT was debited the amount of {$280000.00} with a total of 36 debits of {$80.00} per transaction. 

XX/XX/2023 - 18 ATM Withdrawals from SAVINGS ACCOUNT for the amount of {$80.00} each. 
XX/XX/2023 - 18 ATM withdrawals from SAVINGS ACCOUNT for the amount of {$80.00} each. 

On Tuesday, XX/XX/2023 / XXXX I received another text and a call from Chase Fraud Department regarding a transaction for {$170.00} for an XXXX XXXX purchase from BUSINESS ACCOUNT. The text states if this is not me, we will close your current card and send a new one. ( of course no card was sent ) On Tuesday, XX/XX/XXXX, XXXX XXXX I received another text from Chase Fraud department for my BUSINESS ACCOUNT for the amount of {$1700.00} and if its not me they will issue me a new card.
Consumer complaint received 2021-05-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (MN)

On XX/XX/2021 I went to a local restaurant and bought my kids food At XXXX XXXX  and I must of dropped my debit card accidentally and noticed 25 minutes later it was completely gone I went on my banks app on my XXXX and turned the card off w the controls on the app about an hour and a half later Out of an abundance of caution I checked my account I noticed three charges {$8.00}, XXXX XXXX XXXX at approx XXXX XXXX  and XXXX  at approx XXXX XXXX  I called my banks XXXX number and spoke to a gentleman who indicates the computers werent working properly that day and therefore did not actually shut my card off and he promptly shut it down I then went to the XXXX  store where last used and called police and filed a police report I was assured once posted I would get a provisional credit when that did not happen in a few days I called the local branch and spoke to a XXXX  XXXX  who is of XXXX XXXX decent and explained the situation. I waited several days later and called the XXXX number as why my money was not returned. I was informed that there was an investigation and they determined they said the cars was in my position they said at the time of the incident ( not true ) i then called my local branch and spoke to mr XXXX and determines he totally mixed up my story and apparently led this bank to believe the card was in My position and it was not So I decided to go to police station Tuesday MY XXXX and get the police report and info was limited because this is now an ongoing investigation by XXXX XXXX police and they put the fraudster who took my card and distributes his picture throughout police in Minnesota I then went across street to BMO and showed them the police report and she sent it on to someone at corporate I have never got a provisional credit I shut my card down immediately and there computers were not working that day as they even had a recording when you call the XXXX number The police have pictures and video of the suspect using my card to buy tv and camera and dog food This is an injustice I want to be reimbursed immediately BMO Harris has a copy of police report Its not available as I write this to attach XXXX XXXX
Consumer complaint received 2021-05-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

My issue is with PayPal and it's payment to service industry merchants, in particular hotels. I have attached a screenshot of the issue. The hotel originally authorized the amount of XXXX for my stat for the night which was deducted from my account balance. The hotel then completed the transaction on the same day for {$74.00} this allowed for them to collect on both amounts even though it was for the same stay. My balance was {$130.00} after the {$77.00} was authorized and remained the same even though the later completion was for a lesser amount of {$74.00} this has happened multiple times. Last year they were able to catch the mistake however this year it seems the authorized amounts simply disappear and the authorized amount gets collected as well as the completed amount. So instead of receiving only {$74.00} for the nights stay the hotel collects on {$150.00} the authorized amount, though deducted from my balance never gets released back to the account and in addition to {$77.00} both are taken from my available balance.
Consumer complaint received 2017-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On  XXXX   XXXX  , 2017, I  went t o Capital One credit card website to dispute a charge that was on my credit card. As I was trying to dispute the account I wanted to go back to the next window to get a phone number for the company that put the charges on my account. The word " cancel '' came on the screen so I pushed " cancel '' and instead of going back to the other screen while trying to dispute my account I pushed this word thinking I was going to go back to the dispute page. This cancelled out my credit card that had been using for the past two few years!! I called Capital One to see why I could not use my card they stated that there were fraudulent charges. I told them " no '' I wanted to go back and dispute the charges but the only button available was " cancel '' I asked to have my card reinstated because there were no fraudulent charges I still have the card. Capital One stated that th ey would send out a replacement card. It has been two weeks and I have been waiting on my card in which I need for emergencies but do not have at this time!!
Consumer complaint received 2021-05-29
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: John C. Heath, Attorney at Law, PLLC (TX)

I paid this guy from Lexington law To clear up debt, your promise that I only be charged for the download of the credit report, one monthly payment Of XXXX, but yet there's no credit change in my credit report
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK (FL)

Good day, I have a credit card account with Discover. They terminated my account citing that I was not in good standing and had poor credit history. This terminated our agreements and accounts. 
They continue to pull monthly and daily inquiries into my account for their " Identity theft and protection service '' that is offered only to Discover card members in good standing. 
I've requested via phone call and " Chat Support '' several times to have this stopped and was given a run around saying they don't control that. That they do not offer that service. That they are not performing that service. I could keep going on the excuses. I still get daily emails and see on my report inquiries from Discover.
Consumer complaint received 2017-07-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CT)

We are in the process of trying to do a short sale on our home in  XXXX , CT. On  XX/XX/XXXX  I sent a fax to Chase and asked them to rectify the error they made in recording the lien on our house twice. In the fax I asked Chase to call me and mail written confirmation that they have corrected this error. To date I have received no reply.
Consumer complaint received 2021-05-29
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: TD BANK US HOLDING COMPANY (NJ)

On XXXX of 2021, I noticed that there were multiple inquiries made to loan companies displaying on my XXXX XXXX. Then I realized that a personal loan for {$630.00} was made on my behalf under TD Bank. I contacted the bank multiple times only to be told minimal information and that I would need to complete an affidavit that would be emailed to me. 10 days later, I hadn't received the affidavit ; therefore, I reached out via telephone to the company again. I filed a dispute with TD bank and XXXX. I made a police report and completed the affidavit with potential suspects whom could have stolen my identity, to which I emailed TD BANKS fraud department, that can only be reached via email. I asked for help and information and they brushed me off and told me to contact their customer service team, who can not and does not handle fraudulent accounts. I was able to find out which exercise equipment company the loan was used for and contacted them, only to discover that my estranged brother got hold of my SSN and purchased his girlfriend an exercise bike using my SSN to obtain a loan. He had the bike delivered to my mothers house, where I reside, and then had my mom drop off the bike at his girlfriends house as an " early Christmas present. '' I have repeatedly explained this to TD Bank and XXXX  and the delinquent account remains on my credit report, diminishing my credit score 200 points. What once was a XXXX credit score is currently a XXXX credit score.
Consumer complaint received 2017-05-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (WI)

freedom mortgage, raise my payment  XXXX  a year more with out explaining why. when i call them usually the first rep agrees there is a problem and cant figure why there are charging me  XXXX  a year more on my escrow account, i have talked a few times with the city about this and they say my taxes only went up  XXXX  for the year and tell me my mortgage co is the problem, my inssurance hasnt increase either, so fereedom morg. flag the problem for investigation twice so far and keep saying there is a short somewhere, but cant figure out where, esspecailly since i have not had any increases of suggnificants, i have ask them several times for a letter explaning this increase, but i get no responce. freedom mort. recently took over my mort from another company. i had no choice in the matter, so somewhere they  XXXX  up keep saying there is a short somewhere but cant tell me where ( i have called over  12 times n ow ) this exra  XXXX  a month is becomiong a burdon on my family. do i have any rights? can i sue them?
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (GA)

I had a business credit card with Chase business credit. due to Covid 19 I lost my business, and all of my income, I tried to make payments throughtout the panemic, until I no longer could afford the monthly payments. Chase has been reporting this information to my personal credit report as deliquent, and account closed, with a late status of XXXX of credit card debt which belongs to my business. This has really affected my personal credit rating. I am trying to recover from the effects of covid 19 and get back on track. I have spoken to Chase as well a XXXX XXXX XXXX to try and get the problem resolved, I keep putting in disputes complaints with XXXX and nothing has changed. 

The credit card is a Chase XXXX XXXX Credit Card Credit Card XXXX is XXXX
Consumer complaint received 2021-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

Due to Covid, I took a short forbearance on my FFELP loans owned and serviced by Navient last XXXX. I did not qualify for the Ed loan forbearance or zero interest program under the Cares act. However, Navient offered their FFELP consumers the option to do a 90 day forbearance. Due to the date I requested the forbearance XXXX late XXXX XXXX my XXXX payment was pulled as Im set up on auto pay. The XXXX payment appears to only have been applied as a half payment- despite the fact I paid the full amount. I did not pay for XXXX or XXXX of XXXX, but my payments resumed as usual in XXXX of XXXX. So the forbearance in my case was actually for 60 days, not 90. Last week, I was reviewing how my payments have been applied because my balance should be lower than Navient shows. When I viewed the individual payments for XXXX, XXXX, XXXX of XXXX, 100 % of $ 658 monthly payment had been applied to interest. Nothing had been applied to the principle. Prior to the 2 month forbearance, my payments had been {$8.00} less, so I was already paying the new interest amount that had accrued during the 60 days. I inquired why nothing had been applied to principle after my payments resumed, and received a one sentence email stating it was because I took a forbearance. This seems erroneous to me. They increased my payment by {$8.00} per month for the remainder of my loan to adjust for the 60 days of interest they didnt receive, then took 4 months of payments at {$650.00} each and applied it to interest only? Im disputing this because not only do I believe that forbearance scenario was handled in error, I believe that my entire account has been mishandled. I began making payments on these loans in XXXX with an original balance of {$34000.00} and now my outstanding balance is still $ XXXX. Something is just not adding up.
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2019-11-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, I contacted PayPal about removing the limitation from my account because I continued to have problems utilizing the advertised service. Once done TWICE, everything seemed in order. The day before {$500.00} was set to be made available to me, the service limited my account without proper cause. 

PayPal Customer Support : The companys international customer representative cite the services perceived integrity as the reason as to why they c annoy precisely tell me why I am not allowed to be advised as to their limitation of my account. Being that they are technically a financial institution, I continuously requested to be provided with the exact reason why they found me to be in violation of PayPals terms and conditions when Id both verified my identity and personal access to third-party linked accounts TWICE and did not engage in the sale or transfer of any of the prohibited items or services listed in the companys terms and conditions. They would not close my account or refund me the money deposited when asked. 

The company requires evaluation as the scripted, generic answers did not provide me with any sort of validity as to the actions this service chose to take on my account.
Consumer complaint received 2020-06-12
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. (MN)

The following unauthorized fraudulent inquiries on my report is an act of identity theft. I'm demanding that the credit reporting agency known as TRANSUNION, remove these inquiries from my credit file immediately and/ or show just cause and The Method of Verification in to this matter. I'm demanding physical documentation that verifys these actions. Please remove the following unauthorized inquiries. 

1 ) XXXX  ( XXXX ) 2 ) XXXX XXXX  ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX  XXXX XXXX  XXXX  ( XXXX ) 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX XXXX  ( XXXX ) 7 ) XXXX  ( XXXX ) 8 ) XXXX  ( XXXX )
Consumer complaint received 2023-08-15
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. (NY)

XXXX XXXX. XXXX THAT'S MY CLAIM WITH THE NEW YORK XXXX  XXXX XXXX XXXX XXXX 

A person who came here to my business XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX looking for a job, while he was on trial to get hire ' He got in my office and stoled a few of my business books checks from JP Morgan Chase Bank, & wrote the total of XXXX checks falsifying my signature in all of them using a different dealerships names and other companies names. 
Then he endorsed all of them with his name and deposited them in his bank account with XXXX XXXX  using mobile deposits in all of them. 
The checks were made from XX/XX/2022 till XX/XX/2022. According to the XXXX XXXX Detectives information that is handling the case, The suspect got arrested on XXXX XXXX, and He's dealing with the XXXX XXXX XXXX XXXX XXXX 
And till this day I haven't received any money from the bank or the guy who did it. 
In the meanwhile the bank said the case was closed because there wasn't enough effort from me to get money back. 
but I did all I had to do and sent every document they asked me to. they completely denied giving me my money back that was taken from my business account.
Consumer complaint received 2021-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

Good afternoon. This complaint is regarding a XXXX Visa from Comenity Bank. 

My statement balance for XX/XX/2021 was {$1900.00}. I paid off the whole statement balance ON TIME and was charged an interest fee of {$69.00} which is now reflected on my XX/XX/2021 statement. They have also charged me foregin transaction fees amounting to {$6.00} even if these were local USA transactions. 

I have called them twice today. The first time talking to an agent named XXXX who disconnected my call and just put me back on the phone queue without even telling me. The next person also was not able to help only telling me standard spiels. 

They have apparently been charging hidden fees like foreign transaction fees even if the merchants are local as I look back on my past statements. This is such a scrupulous company and would never use this card again.
Consumer complaint received 2021-05-28
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: EQUIFAX, INC. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TN)

My mort gage company is Ditech mortgage I received documents on     XXXX   XXXX   XXXX   from  them advising my mortgage modification was approved and the 1st payment of {$690.00} would be due  XX/XX/2016 . I 've completed the three trial payments and is currently making my monthly mortgage payment. I have called monthly requesting my final modification documents. Customer Service  always state they are   processing those documents. It has been 5 month since I completed my trial payments. Please assist me with obtaining the final modification document. I also have not been receiving a mortgage statements. I would appreciate your assistance with this urgent matter.
Consumer complaint received 2021-05-28
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: Bread Financial Holdings, Inc. (TX)

I have been a victim of identity theft / fraud. Someone has used my name, my addresses, my Social Security number, my date of birth and my employers name to open accounts in my name. They have had access to my XXXX XXXX account as well I have discovered, and I think that this is partly how they accessed my information as well as through my Health Insurance coverage claims.

I have disputed and disputed these 3 accounts with both XXXX and the companies directly over and over and they still have not removed them from my XXXX  credit report. 

1. Comenity / XXXX XXXX XXXX. Comenity / XXXX  3. XXXX XXXX XXXX THESE ARE NOT MY ACCOUNTS I have been told by Comenity for both of those accounts to contact XXXX XXXX because they now own both of those accounts, I did so, and XXXX XXXX found me not responsible for these accounts and sent me letters stating this, which I have attached here. Yet, Comenity continues to report these to XXXX. I have sent all of this documentation to XXXX and to Comenity multiple times.
Consumer complaint received 2017-05-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (IL)

I just received notice from IC  Systems of an al leged debt owed to  XXXX  in the amount of {$1100.00}. Please produce validation of this debt that I am unaware of. IC  System  has threated to report to all national credit bureaus of this alleged debt.