davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

I was offered a mortgage reinstatement opportunity with J.P. Morgan Chase. I fulfilled the reinstatement requirements within their required time frame. I faxed copies of the wire transfer confirmation to 2 different Chase numbers per there direction, for normal business practices and escalation purposes. My bank has recorded the wire transaction as complete on XX/XX/XXXX. I have emailed the wire transfer confirmation on XX/XX/XXXX to the attorneys representing J.P. Morgan Chase XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Michigan XXXX, obtaining a confirmation of receipt, and a corresponding followup from the attorneys stating they are waiting on their clients response to hold off the court sale.Chase says they need 5 to 7 days to process the reinstatement. The sale date is tomorrow, XX/XX/XXXX. The reinstatement execution is good through close of business XX/XX/XXXX. Why would they schedule a sale date less than 7 days out from the agreement date if they need processing time. I have met their offer of reinstatement within the time frame, they seem to be badging me and threatening a sale beyond what the reinstatement offer. I find their practices immoral and very unhealthy, and am looking into the legality of them.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I am kindly requesting assistance in obtaining a copy of the claims prepared by Bank of America following to the stealing of my money. 
At the beginning of XX/XX/XXXX I called Customer Services to request a copy of my claims that I had to provide for the lawyer. Unfortunately, on XX/XX/XXXX, Bank of America sent me a letter regarding claim number XXXX, which I did not ask for. Today I called again requesting that the following claims be sent. The lady answered that she does not know when it will be possible. Therefore, I ask for help in obtaining the above documents.
Consumer complaint received 2021-03-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC (TX)

Obtained a title loan on my vehicle in 2020 when I found myself in a tight financial position. My situation deteriorated and, ultimately, the vehicle was repossessed I contacted the lender several times after they took the vehicle to work out a resolution and possible get the vehicle back. No one would return my call and was even told on one call that if there was a surplus after the vehicle was sold I " might '' get it unless " we decide to give it to someone else '' ( her exact words ). Several personal items were in the vehicle and was not given an opportunity to retrieve them before they sold the vehicle at auction. 

A few weeks after they took the vehicle and no return calls to work something out I received a letter in the mail from the lender ( which I am now unable to find ) stating that there was a surplus left and I was going to be getting approximately {$1800.00} +- back and to contact them. When I contacted them, I believe in XXXX of last year ( 2020 ), they stated it would take them 90-120 days to process the refund check to me. I've been a lender and have not heard of it taking that long to get the surplus funds to a borrower. 

As of today, XX/XX/XXXX, I have not received anything from the lender.
Consumer complaint received 2024-04-26
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

Thank you for contacting the XXXX XXXX and removing the XX/XX/2024 delinquency from my credit report. Also thank you for crediting my account with the late fees. You did not increase my credit limit. I submitted a request online, and I received a letter denying the increase because I must establish timely, consistent payments. I would be happy to have you look at my current credit agency report to see the timely payments that I have been making. There was no wayXX/XX/XXXX do this online or in the letter that you sent. I would like you to increase my credit card limit to what it was before the unfortunate event of XX/XX/2024. Also please increase the credit limit on the XXXX other XXXX credit cards that were lowered due to this XXXX issues in XXXX, XXXX XXXX XX/XX/XXXXXXXX. My credit is Very Good, but I believe it will be restored to Excellent, if my credit limits are made whole and returned to the previous amounts. I have not received a bill from the XXXX, for XXXX or XXXX, despite receiving the information about my credit card denial from XXXX. Please look into this. thank you, XXXX XXXX
Consumer complaint received 2023-06-21
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: AMERICAN EXPRESS COMPANY (CA)

I have been roobed out recently and lost every thing and submitted the police report also to remove my bad credit histroy where done by some one who robbed out and i am facing the problem when i apply for new credit cards or loan geeting rejected due to this problem.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (TN)

Truist has hidden the FACT that my account was hacked at least {$5000.00} around XX/XX/2023. My car payment was not processed due to insufficient funds although there were sufficient funds per my records and on theirs via phone conversations and past bank statements. On XXXX XXXX XXXX, they alerted me of fraud. Over the phone they admitted my account was hacked/compromised and refused all along even with XXXX forms of photo IDs at several branches in XXXX XXXX to provide me online banking access. The bank closed the account, credited me overdraft fees that should have never been assessed, and only printed INCOMPLETE bank statements for XXXX and XXXX, omitting the dates when the account was depleted of funds by a hacker. Even while at my visit to XXXX of the branches I heard XXXX of the bankers say how much did they take meaning someone else pulled out the funds, and that my phone had a virus and that THEY could see everything!! I did noticed that and from a XXXX man I had met called XXXX, a known criminal as a later found out, and the one that was first in question the first time I went to the branch to unlock my online access. They claimed my XXXX transaction was done somewhere else than where it actually occurred!! Preposterous! Now they claim recently that they can not provide me with any bank statements because they closed the account WITHOUT MY APPROVAL and they actually had REFUSED to let me close the account while I still had funds! This has caused me insurmountable pain and anguish, losing my business, my car, and now Im homeless because of their utter lack of transparency and occult practices!
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

After reviewing my credit report, and making multiple complaints. I've found that inaccurate and unverified information is still being reported on my credit report. Reporting dates, as well as open dates are inconsistent, and inaccurate. 

By law, Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

It has been well beyond 30 days, and this information has not been removed. I have provided a screen shot, showing the blatant inaccuracies. And I also have yet to received an original copy of my signature, giving consent to these services and to my personal information being furnished to be reported. I've requested this twice, over the past 90 days. This is a clear act of willful negligence. 

The account in question is : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

Per FCRA 604A 15 US CODE 1681 B, there never was written consent to report anything and 605A 15 US CODE 1681 C1 without written consent is identity theft. However, the account is paid off and is reporting as both paid on one credit report and derogatory on another. Also it states it a charge off so it can't be all three
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERIS BANCORP (GA)

I am very very upset because XXXX and Ameris Bank because they have caused my credit score to drop XXXX points because of inaccurate information being reported. I have disputed this Ameris Bank Account ( XXXX ) and the balance is {$0.00} and you all made an error and insert a unauthorized balance of {$7800.00} balance on my credit file, causing my credit score to drop XXXX points. Before I disputed this account, it was {$80.00}, which was still incorrect. I am HIGHLY upset and is about to seek damages through litigation because the balance is {$0.00} and have been like that for over two months now. I am requesting for this account to be updated immediately or to removed from credit file immediately, if you all can not comply with 15 USC 1681 or HJR 192 of 1933 acts. Please comply immediately. Thanking you in advance!
Consumer complaint received 2022-12-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Some lady started withdrawal funds from my savings account without my knowledge. I dont know how someone can just take out my money from my account and the bank not notify me of any suspicious activity. I have brought it up with my bank. Which is Bank of America. They looked into it and returned the funds the first time I went in. Few months later they took back the funds and said it was out of their limitation days, which is 180 days. I went back to the branch to talk to a representative. And some how he got some of my funds back to my saving account, then few months later they took it back again. Long store short my account is negative balance as of today. I dont know what kind of game this bank is playing but it not fare to the people. Because we closed that account and opened a new one. 
Date stated was XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Upstart Holdings, Inc. (FL)

XX/XX/XXXX DMV suspended my drivers license for not having auto insurance on a vehicle that is not mine. 

My husband and I had this auto loan first with XXXX XXXX XXXX XXXX. My husband had that same car refinanced with Upstart Loans as the only owner. No co signer or a joint loan. 

Upstart paid XXXX XXXX XXXX XXXX on XX/XX/XXXX which reflects on my credit report. I have my own vehicle financed with my own finance company, and the loan is in my name only. I have full auto insurance for my vehicle, therefore my license should not be listed with the DMV by this company with my name. 

When the car was approve and refinanced by Upstart Loans, they should have updated the title with the owner of that loan. 

It appears Upstart falsified my name on this tag and tittle, due to the fact, I do not have a loan with them, and they do not have any correspondence showing a application, or my signature for his vehicle. This loan is not on my credit report, but listed on my husbands due to he is the owner. 

I was told by Upstart today, that this will take up to 2-3 weeks, therefore my drivers license is suspended on a vehicle I do not own. 

This is NOT LEGAL!
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

During the covid pandemic on 2020 I did a forbearance with penny Mac, this due to my Family and I having a tuff financial hardship. The amount due was added to the back of the loan and spoken with the agent no credit was going to be affected. now this shows on all 3 credit bureau with different days.

attached all 3 credit bureau and closing disclosure
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Company over charge me for overdrawn transactions and have expensive fees that are not being disclosed properly to their customers. They are basically scamming people with their overdraft fees and not letting you know and making sure than your aware.Also, my statements are not accurate they are showing transaction out of order for confuse customer and take advantage.the picture uploaded shows a rebate for fees they know they are wrongfully charging.
Consumer complaint received 2022-10-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I sent my firt letter XX/XX/1922 to investigate the following : XXXX XXXX XXXX XXXX XXXX  # XXXX Please verify this account. 
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 
Also a removal of in accurate address XXXX XXXX XXXX XXXX XXXX IL, XXXX I have not received anything and they have not completed any investigation. 

I also sent another letter XX/XX/XXXX demand to comply letter.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

On XXXX XXXX XXXX XXXX XXXX sent a certified letter with attachments of my credit report and copy of my state ID and Social security card to Equifax regarding incomplete and inaccurate on my credit report and asked them to do a complete investigation making sure all accounts information are completely listed and accurate. If this could not be done I requested that and account that is missing any information or not correct be deleted from my credit files in occurrence to 15U.s.C Sec 1681i ( a ), 15 U.S.C 1681 Section602a, 15 U.S.C 1681 Section A section 2. 
Account name XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX & account number XXXX XXXX  account number XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX ( I noticed on this account the new report that was sent to me has a different account number that my first report that I received on XX/XX/2022 ) They responded with updates that was not fully completed information and still inaccurate information still appears in my credit file. I am not sure who Equifax did their investigation with but to my knowledge I am aware of anyone that was contact to verify information as it states in the fair credit reporting act.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hello, I paid off my balance of XXXX on Friday XX/XX/XXXX. I called and canceled the account a few days later. I received a notice to see how they calculated {$28.00} of interest on a balance of just XXXX days and they could not explain it. I asked them to send me the information about how they calculated it, and they could not explain. So, I asked them to explain it, they could not. They sent me a previous statement. 

This morning they DEDUCTED {$200.00} from my account even though I closed the account. I am on the phone with a representativ at XXXX am in the morning and he can't even see how it is set up because the account is canceled. 

While people who work for Bank of America are great, this company is NOT consumer friendly. I cancelled the card because the ridiculous interest rates were going to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX.
Consumer complaint received 2023-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TN)

Dear paypal, on my email i received a notificacion about my account. 
We need some information regarding your PayPal account. ( Ref ID - XXXX ) After a few hour i received another email about my account is permanent limited and i never has a chance to send my document. 

I never has this problem before i will apreciate to get help to resolve this problem.
Consumer complaint received 2021-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

My complaint is with PayPal who advertise BUYER PROTECTION. I purchased items that came to me " not as described '' and after many attempts to resolve the issue with merchant ( details attached ) I filed a dispute with PayPal. I left message after message for someone from PayPal to call me or text me but they never did. I do not believe they read my messages because they sided with the merchant and did not return my money.The company that I purchased from was Minisweater and on the PayPal statement was best-deal and email was XXXX MY letter to PayPal The items that I purchased and received were not as described. They were 6 sizes smaller than their size chart showed. Example a XXL was like a size 2. The quality of the fabric was not as described. I am sending copies of some of the many email attempts to work out a return and I just keep getting the same computer-generated auto responses. To send an order # and pictures of the items. I did this many times. The latest surprise is that they want me to mail merchandise to a warehouse in XXXX which would cost near {$100.00}. Then they would review and afterward they would send a refund. It seems like a major scam. 
I believed this company was in the United States like they advertised, and that shipping would be as promised, then to find out they are in XXXX. 
Their website and email address are now shut down. 
I am again sending pictures of a measured shirt that is tagged XXL.

REVIEWS IN THE LAST FEW WEEKS THE SAME AS MY COMPLAINT. 
XXXX XXXX | Read Customer Service Reviews of ...

XXXX review minisweater 1 ) This company is a scam they will not ship your order nor refund your money! they will send a tracking number which will never be anything other than a created label according to the USPS! Do NOT buy from this company! XX/XX/2021 2 ) Horrible quality and missing items : Took over a month to receive. Very poor quality. Items missing from order though it states they were all delivered. Very thin material and horribly sewn. 
3 ) Awful Company : This is a XXXX company ; they took months to send the shirts I ordered. When 2 of them came they were 4 sizes too small.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Any time I try to pull my credit on any websites it is unable to verify me. I know for a fact that I have credit history but any time I try to run a report online or in person it is unable to verify my information. The auto dealer shows that I have no credit history. I know for a fact I have credit history as I have paid an auto loan for 6 years and had a credit card in my name for 8-10 years. I have tried reaching out to my bank ( XXXX ), experian, XXXX, and TransUnion and nobody has been able to help me. My bank told me that my address might be flagged for some reason. This issue is stopping me from doing things in my life.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2022, I received at statement from Capital One for my XXXX credit card with a balance of {$740.00} and a due date of XX/XX/2022. 

It is my custom to pay the card balance in full each month so that I avoid interest charges. On XX/XX/2022, prior to XXXX, I attempted to make the payment but could not because the Capital One app was malfunctioning. I was eventually able to make the payment of {$740.00} ( my full balance ) but not until after XXXX. I called and spoke with XXXX around XXXX who informed me that because I called and made them aware of the situation with the app that I would not be charged and that if I was charged I could call back they would remove the charges. 

On XX/XX/2022, I received a statement from Capital One which included an interest charge of {$49.00} and a late fee of {$25.00}. This is despite me having paid my entire balance of {$740.00} on the due date. I called Capital One and requested that the interest and fees be removed as I was instructed and was told that I did not " qualify for a waiver ''. I then spoke with supervisor XXXX who told me that she would not be waiving the fees. I feel that it is unfair and deceptive on the part of Capital One.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Took a settlement check into the bank where the trust account from my attorney banked with. This Bank is called XXXX XXXX XXXX. I was told that a 10 Day hold would be put on the check. I then took to the check to my banking institution Bank of America i deposited the check Wednesday XX/XX/XXXX of XXXX  i got a receipt of transaction from teller that said I would have funds of around XXXX available XX/XX/2023 and the remainder by XX/XX/2023. I came into the branch of Bank of America and now im being told that i would not have none of funds available until the XXXX of XXXX. The managers were extremely rude and i was told that they could not assist me any longer.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Account : XXXX  Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX Account # : XXXX These reports are inaccurate and and my right to my privacy has been violated. 

In accordance with the Fair Credit Reporting act XXXX  Account # # XXXX, XXXX, and XXXX has violated my rights. 
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 an account without my written instructions