davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-11
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: World Acceptance Corporation (SC)

Debt thats been on there for years need to be removed that i know longer take accountability for. From XXXX. Several accounts has been closed and late payments thats been sitting there over the years that I know longer have. Debts being on my credit reports that I didnt even get a verification/ notification about.
Consumer complaint received 2016-03-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (TX)

My mother and I had linked accounts with Chase Bank, her acct got hacked and they froze both of ours. Then they ( Chase ) emptied out her account and most of mine to hold her liable for the fraud that happened. She and I have tried numerous times to contact the fraud department to find out what the status is and no one is giving us any answers. This has been going on for 2.5 weeks and there is still no update on anything. The woman who 's information I was given seemed to be the one who would know something about this but she has not answered the phone once in the two weeks I have been calling. The bank is supposed to let us know something within 10 business days and I have heard nothing. My paycheck got sent to Chase, instead of my new account at a different bank, and now I ca n't access my paycheck for my upcoming bills.
Consumer complaint received 2022-11-27
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: CBC Companies, Inc. (MD)

I recently went over my credit report to check for any discrepancies and Ive noticed a few inquiries on my XXXX credit report that I dont have an account with. The account looks like its with XXXX XXXX.
Consumer complaint received 2024-04-08
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. (PA)

There are ( XXXX ) Financial Institutions reporting accounts in direct violation of FCRA Section 6802 ( a ) Except as otherwise provided in subchapter a financial institution may not, directly through any affiliate disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumer is given the opportunity before the time that such time information not be disclosed to such third party, and ( c the consumer given an explanation of how consumer can excercise that non disclosure option by reporting negative information without notification and consent of the consumer. 
These ( XXXX ) financial institutions failed to inform principal that it would be reporting principals non public personal information to a third party and failed to get Principals Permissable Purpose. 15 USC 1681 ( a ) ( XXXX ) Exclusions Except as provided in paragraph ( XXXX ) the term consumer does not include ( i ) reporting containing information solely as to transactions and experiences between the consumer and the person making the report. Remove the ( XXXX ) listed accounts from my consumer file. 
XXXX ) XXXX XXXX # XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX # XXXX XXXX XXXX XXXX # XXXX. 
In advance any accounts listed that are not removed/deleted I am requesting in this dispute a Description of the Procedures used to verify in accordance with FCRA 1681i ( 7 ) / FCRA 611 ( a ) ( B ) ( 6 ) ( iii ).
Consumer complaint received 2022-11-27
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. (IL)

XXXX XXXXXXXX XXXX, Account # XXXX Account Status Closed Payment Status Past Due - {$150.00} Balance Owed {$150.00} Payment Amount {$0.00} XXXX XXXX {$500.00}
Consumer complaint received 2023-02-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/2023 at about XXXX XXXX. I went to JP Morgan Chase located at XXXX XXXX XXXX, XXXX XXXX  XXXX after getting no explanation of what had occurred to my daughters savings account. I spent 3 hours on the phone with customer service representatives at XXXX and XXXX. I wasn't told who had deposited the false checks, where, or when it actually occurred. I was told that I had to physically go into my local branch and make a deposit of {$100.00} or more. Upon, arriving at the bank and speaking to the cashier ( XXXX XXXX XXXX who couldn't explain to me what happened to the balance of {$620.00} that was in my daughters account I explained to her that I spoke with people at the listed above phone numbers and was told to deposit {$100.00} to remove the restriction from my daughters savings account. I made a deposit of {$200.00}. The cashier couldn't explain to me what had happened on the account and started to get loud and then proceeded to blame my daughter for making the fraudulent deposits in the amounts of {$500.00}, {$200.00}, and {$290.00}. When I asked to speak to someone else she stated " no, there is no one else that I could talk to ''. Realizing I wasn't going to get anywhere with the angry cashier I decided to return home and and call the numbers again. After getting someone on the line I was told that Chase was discontinuing their relationship with my daughter and they terminated her account. When I asked why were they terminating their account I was told that " my daughter phoned the bank at XXXX XXXX  on XX/XX/XXXX and stated that she was involved in a money scheme ''. When I asked how could you verify my daughters voice and to let me hear the call my phone call was then terminated.
Consumer complaint received 2015-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MI)

I contacted Chase Mortgage and Chase branch XXXX located on XXXX and XXXX XXXX XXXX Mi XXXX in early XXXX 2015 and on XXXX/XXXX/2015. And asked if I could pay my escrow shortage plus additional funds to reduce my monthly payment amount for the following 12 months. I was advised by Chase Mort rep that as long as the additional funds were submitted by XXXX/XXXX/2015. Then the monthly payment would be reduced as the escrow portion of the payment would not need to be as high. I called Chase Mort on XXXX/XXXX/2015 and spoke to a rep, that advised the previous reps provided incorrect information and that was just too bad. I asked to speak with escalated services and was transferred to XXXX at XXXX ext XXXX and was told I could have a refund of the additional funds paid. I advised I did not want a refund, I want to complete my original request. XXXX advised that there is nothing that can be done to complete my request. I asked if the escrow analysis could be re-ran then have updated payment amount re-disclosed, XXXX advised no, if a new analysis were to be ran it would just create a refund of the over-payment.I asked XXXX to file a formal complaint on my behalf and provide a complaint confirmation number, XXXX stated she could not file a customer complaint but I could fax in a written complaint. I asked if she had a manager that I could speak to she advised her manager is XXXX XXXX, she connected me to voicemail but stated he was unavailable and she did not know when he would be available. I left a message for the manager to call me back, but have not heard back.
Consumer complaint received 2022-11-27
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX Has a fraudulent loan that was placed under my name. My personal information was used without my knowledge to open this loan. Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XX/XX/XXXX XXXX {$0.00} However they can provide my no data on the years leading up to the so called repossession. I have filed a report with the FTC Consumer fraud division ID THEFT REPORT # XXXX. I have also attached a copy of the ID Theft report and my identity verification documents. Thank You.
Consumer complaint received 2015-09-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (WA)

I would like to file a complaint against Chase Bank. I held a mortgage with Chase and unfortunately due to unforeseen circumstances I had a dramatic loss of income and was unable to make my payments. I approached Chase about a loan modification and began the process. Chase granted me a total of XXXX loan modifications and after a couple years of continuous stress accepted the last XXXX. We met every criteria they had for us regarding each and every modification but at the completion of each threatened foreclosure and the process began again. At the time of the final modification we were over XXXX in arrears. As part of the loan modification agreement Chase stated they would remove ALL late payments from my history and to the credit bureaus. This has not happened and am looking for them to hold good on their promise of removing the lates off my payment history and with the credit bureaus! This should have been done and needs to be done as soon as possible so I can obtain reasonable financing.
Consumer complaint received 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I contacted all three credit bureaus to have these charges removed due to it being a deformation of my character and You have caused me and my family severe harm due to your negligence and inaccurate reporting
Consumer complaint received 2023-05-23
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MN)

I purchased a dress from Macys and returned the dress. I have proof of the return. 
The purchase remains on my Macys account even though I contacted the number on the back of the credit card statement ( I have proof of delivery of the dispute. ) Macys has reported this to the three credit bureaus. I filed a dispute with each of them providing them with the documentation of my return, however, the credit bureaus did not remove this erroneous reporting from my file. Macys continues to bill me for the dress - a statement was received in todays mail (XX/XX/XXXX ). 
I don't know what else to do. I do not have the dress, it was returned, and I am not going to pay for something that I do not have.
Consumer complaint received 2023-07-11
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. (CO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2016-01-20
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (IN)

Question : I need to know what has changed with CHASE.COM and scheduling bill payments. Something is different recently and I do n't know if this is because a regulation changed or if CHASE just changed their programming code in order to collect more fees XXXX. 
Background : I 've been scheduling bills electronically for at least 10 years. So I get it. I know how it works. You ca n't schedule a payment to be made on a weekend day or holiday. If a payment is due on XXXX those dates, you have to pay the bill early in order for the bank to have enough time to process the payment. 
Recently, ( this has happened XXXX to me now ), CHASE has decided to move my Bill payments originally scheduled for payday Friday to the day before my paycheck is deposited into my account. Then because I did n't have the money to cover all those payments the day before, they over drafted my account, charged some fees and moved the outstanding amount from my savings as the XXXX accounts are linked. The rep on the phone stated, " This is how all bill payments work even at other banks '' and because " they do n't want my payment to be late because of the holiday. '' Needless to say, I was SO NOT HAPPY. I do n't schedule bills to go on holidays. Then charging fees on top of it - to move my money over for no reason. As soon as I got the alert about my overdraft I tried to log into my account. Something else was going on as their system was unavailable for 2 days, Thursday XXXX XXXX. I searched for a phone number on-line and called. The rep on the phone was pleasant enough and gave me a one-time refund of the fees. Fine - but what about all future holidays? Is this happening to everyone? How many fees have they collected from people who did n't realize this was happening? Is this legal? 
CHASE DOES NOT get to decide to just move my payments to another day. I decide. Do I need to close these accounts and move to another bank or is this happening at every bank that does electronic bill payments? 
I would really like to know if this is legal and what I can do to avoid this problem in the future without having to go back to printing checks and the mail system.
Consumer complaint received 2023-07-17
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. (IN)

I am a victim of identity theft. I have filed an FTC complaint and have that report. Under the FCRA, I am entitled to the removal of inquiries, accounts and personal information that was a result of identity theft. Transunion is refusing to comply. I want the CFPB to enforce my rights. I am including the checklist of items and my identity theft affidavit.
Consumer complaint received 2023-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

Mr. Cooper provided a payoff amount for the sale of this property that is in foreclosure. It is an estate and I am the realtor working with the XXXX Representative. The property was sold and Mr. Cooper was paid the amount they said they were owed on XX/XX/XXXX. The property is still in foreclosure and now Mr. Cooper says the payment was short {$400.00} and they now want interest. 

The bank sent a pay off to the title company, the bank was paid that amount by the due date. Not only does the bank not contact anyone ( XXXX XXXX, XXXX, XXXX representing the estate ) and say hey we made a mistake and the payoff was supposed to be more but they keep the property in foreclosure with an active foreclosure sale date. 

This is completely unacceptable. Mr. Cooper and those who represent them, have an obligation to do things in a timely manner. This is a very simple issue, the mortgage company can't come back after that fact and say hey we gave the wrong number and you paid it on time just like we requested but since we were wrong you not only owe the difference but you owe interest on that difference. The property sold to a new owner XX/XX/XXXX, it is XX/XX/XXXX, why is this still in foreclosure, the bank has not acted in good faith and has done a disservice to the public. They also have an obligation to give accurate accounting.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

In early XXXX, I made a {$1000.00} balance transfer from one credit card to another, resulting in a net {$0.00} change, but on all three credit bureau reports, my score dropped by XXXX points. I have never seen an increase or decrease by such a huge amount for any change in my credit use, and in this case, my credit use didn't change since I was decreasing the use of credit on one card by {$1000.00} and increasing my credit use on another card by {$1000.00}. The credit bureaus have no mechanism to dispute or even submit an inquiry about credit scores online or by phone, because " they are not a component of your credit reports but are, instead, numbers generated by the credit scoring models based on the information as it appears in your credit report at the moment it is requested. '' How is it possible that a net {$0.00} change in credit use can result in a XXXX point decrease from which there appears to be no way to recover those points? I have never seen fluctuations in my credit score that were bigger than XXXX points one way or the other. 

Also, if there is transparency about credit scoring that would help me understand my situation, where is it disclosed and why is it so difficult to find it? When you call the credit reporting agencies, there is no way to talk to someone. You're simply referred to the website, where there is no way to submit an inquiry or dispute regarding scoring issues.
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (MO)

I wrote a check to the US Department of Treasury for {$3900.00}, and mailed it in XXXX. I made an error and put the check in the wrong envelope, and it went to the City of XXXX XXXX, Missouri instead. The City then deposited it, and the bank made payment in the amount to the City. The check was not made out to the City. The back of the check clearly indicates it was deposited by the XXXX City Treasurer. BMO Harris should not have paid those funds to the City of XXXX. I raised the issue with the bank today, and they said they don't have any further information other than what is on teh check, refused to acknowledge responsibility, and directed me to the local branch to file a fraud and forgery report. But, this is not fraud or forgery, it is the bank issuing payment inconsistent with the payment direction on the check. 

This was the response in the chat, after noting that the endorsement did appear to be by XXXX, rather than the US Dept of Treasury. 

Thank you for your patience XXXX, after further reviewing, my back office was not able to locate any other information. They only can see what we are seeing. The manager said in this case if they were not suppose to receive these funds you will need to file a Fraud and Forgery dispute. This will take place a local BMO branch you will need to fill out a Fraud and forgery affidavit form and have it notarized. I asked why did we allow it to go through and they mentioned due to the depositing side not finding any errors with the check it was able to be processed. They did ask if you had any open accounts with the city treasurer because if there was no account to place these funds in they should have sent it back.
Consumer complaint received 2020-12-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MO)

Called from XXXX. On XXXX I was told by someone I was being sued and someone was coming to serve me with papers. I asked what this was about and they said they can not see anything and I would have to call this # to find out more. The # was XXXX. I called and they said they were called national. The person I spoke to was a XXXX XXXX. I tried to set up payment with the company but after not receiving any kind of information by email confirming anything I did not pay the company. They said legal action will be taken against me. The rep I spoke to was named XXXX XXXX. The rep refused to tell me the whole name of the company and only said they are called national. I asked if they were a debt collector and they stated no they are a proceedings office
Consumer complaint received 2023-06-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I booked a stay for XXXX for XXXX XXXXXXXX through a 3rd party XXXX. Per policy, any changes of reservations is to be done through 3rd party. I needed to change the dates of stay to XX/XX/XXXX. I was in the timeframe of penalty. I reached out to XXXX to see if there was a chance to make the changes without charge. XXXX reached out to the hotel. I was told they were going to allow me to change the dates without a penalty. I specifically told XXXX I would only change the date as long as I would not be charged. They gave me confirmation that they will allow this without a charge. I completed my stay on XXXX and paid {$980.00}. Upon checking my bank statements I noticed a charge on XX/XX/XXXX for {$480.00}. I contacted the hotel who stated I was charged for a no show. They stated that I never cancelled my reservation therefore I was charged for a no show. I explained to them that I did cancel. They declined to hear any further and told me to speak with the 3rd party. I spoke with the third party, XXXX multiple times. Via the online chat services and on the telephone. I have been told that the XXXX staff spoke with a XXXX at the XXXX XXXX and gave the okay to cancel. However, XXXX confirms there is an employee with this name but they deny notes being made. They refuse to refund me the charge. XXXX is not charging me and has issued a refund however the charge is from XXXX. I have filed a dispute and have been denied. I have spoken with several team members at capital one who all deny my dispute. I am stuck in the middle of two companies who refuse to admit their wrong doings. I cancelled and was given the okay to cancel without charge. I was charged incorrectly. They are charging me for a no show but I did cancel appropriately. Capital one is requesting a document directly from XXXX but this not realistic or possible when booking through a 3rd party.
Consumer complaint received 2023-06-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

A person by the name of " XXXX XXXX '', who represented himself as an employee of Captial One Bank, offered me a loan. Upon accepting the loan, I learned that through " their banks verification '', this " XXXX XXXX '' person took approx. {$2100.00} from my XXXX XXXX account.