davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Claim # XXXX I was denied this claim. I sent the merchandise back to the merchant and never received a refund. The bank said that the merchant attached documentation that stated it was a legitimate claim. I never said it was illegitimate. I said I returned it for a refund. Capital One lied, they did not attach any proof that the company sent me a refund or any other proof. I want my money refunded. I no longer have the product. Why am I paying for it???????? Capital One needs to be dealt with because this is not the first time they have wrongly denied a claim and I am thinking of taking legal action because this is getting ridiculous. They keep denying claims for reasons that I did not even file the claim : illegitimacy??! Really?? I said I am owed a refund because I returned it to the merchant. I will be handling this further if they do not appeal this decision. I sent them the tracking information attached that I sent back the merchandise!!!!!!! It was delivered back in XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2021-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (GA)

I got internet from XXXX and during the installation they said they couldn't use my modem and substituted their own without telling me. When I terminated the service, I asked if there was anything I needed to return and they said no. I moved to a different state and they sent the bill for the modem to the old address. I didn't know about this until the new home owner forwarded the bill to me. I contacted XXXX XXXX  3 times before they sent the box to return the modem. I got the return box on XX/XX/2021 and then I mailed the modem on XX/XX/2021. 
They have still not removed the collections from my credit report.
Consumer complaint received 2023-01-03
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. (TX)

Wire fraud took place on XX/XX/XXXX in the amount of {$9300.00} plus a {$25.00} wire transfer fee. I went to the XXXX XXXX, TX branch and personally tried to stop this transaction. The Wire transaction occurred at XXXX and Chase claimed they were unable to stop the fraudulent wire transfer. I was advised it would be XXXX bus days for them to investigate/return the funds. It has been XXXX bus days ( even with the holidays ). Chase filed the claim on XX/XX/XXXX and froze our account. Created a new checking account so they perpetrator couldnt access funds any longer. I was advised by XXXX at the branch that she filed a wire fraud case number : XXXX. I have tried to reach someone to get updates on this research and have been told by XXXX that there is no one I can reach out to. She had previously advised I could call the number on the back of my debit card and ask to speak to someone in the wire dept. After being transferred 7 times, no one was able to help. We feel Chase has no incentive to assist us and are ignoring this. I also tried contacting XXXXXXXX XXXX directly. The wire transfer was sent to a bank account with the name XXXX XXXX XXXX to XXXX XXXX XXXXXXXX XXXX. They refused to tell me if they received any electronic notification from Chase requesting my funds to be returned.
Consumer complaint received 2021-06-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: R.M. Galicia, Inc. (CA)

I WAS MADE TO GIVE BLOOD AFTER I WAS ASSAULTED REPEATEDLY AND TOUCHED INAPPROPRIATELY. I WAS MISTREATED BY THE SECURITY GUARDS AND NOT GIVEN A CHANCE TO GIVE MY SIDE OF THE INCIDENT. THE DOCTOR BY THE POLICE STATION DID NOT RECORD ANY OF MY SYMPTOMS AND EVEN CALLED ME AN XXXX. THE OFFICER TOLD ME THAT I NEED TO GIVE MY SIGNATURE AND HE WOULD RELEASE ME. AFTER 3 YEARS I AM STILL BEING SENT A LARGE BILL THAT I REFUSE TO PAY AND WOULD RATHER SEE DISAPPEAR AFTER THE TIME REGULATION IS UP WHICH I BELIEVE TO BE 7 YEARS PER MY RESEARCH OF MEDICAL BILLS. I DO NOT WANT THIS ON MY CREDIT REPORT AND I BELIEVE THAT IT IS AN INJUSTICE THAT I HAD TO GO THROUGH THIS.
Consumer complaint received 2017-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC (PA)

Although I have explained to   XXXX   XXXX   that I do not have an account  with Mariner Finance and s he should stop contacting me and is harassing me, she has failed to furnish me with proof of an account as required by law, conducted   XXXX   credit inquires of my credit report u nlawfully without my authorization, and continued to call me at least 23 times each one  unlawful.   XXXX   XXXX   works fo r Mariner Finance ,   XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX  PA  XXXX , (  XXXX  )  XXXX .
Consumer complaint received 2021-03-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (CA)

Not only did they add fees such as GAP ins and Vehicle Theft, I feel I was a victim of predator lending, as well. I made {$11.00} an hour and was given a {$21000.00} with a credit score in the XXXX low XXXX. They also made me pay an additional {$10.00} every time I made an online payment to them. They also, reported to the credit bureaus that I was late when I was not not late. They also charged me late fees when they they shouldnt have. I have defaulted several times on this loan. I have spoken to them multiple times regarding all of these issues, but they tell me I am not part of the AG lawsuit settlement and theres nothing I could do. I just now tried to log into my account to get my account number and a notification popped up stating my account has been locked due to to many failed attempts, but I only attempted the one time and havent logged in in weeks. They blocked me from viewing my account!
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

I went onto XXXX this evening to pull all three of my credit reports. It only allowed me to pull the XXXX ( which showed my old address from a year ago ( XXXX XXXX XXXX XXXX  XXXX, IL XXXX ) as my CURRENT address which is actually ( XXXX XXXX XXXX XXXX XXXX IL XXXX ) on their main screen that has you enter your email and phone number after you log in, but won't allow you to fix the address or name! Then once I got past this the actual report had my current address showing correctly in XXXX, IL and Equifax which had tons of old accounts that have been paid off from my student loans from the past from eleven years ago ( they are suppose to remove old accounts after seven years ) on top of this they have all been paid perfectly but they only show X 's on most months except for a couple, then when I clicked the next button to go to the XXXX report it said they were having technical difficulties and would not allow me to view it!!! I tried it twice, same thing!! When you are guys going to MAKE these credit reporting agencies tow the line and follow the laws??? They of all people should NEVER have an error of any kind on a report on ANYONE, they are the only ones holding all of our personal information!!! If they are that incompetent or LAZY that they can not do their jobs, they need to all be fired and the businesses SHUT DOWN with huge fines applied to them!!!! We don't even need them, this country got by much better when these idiots were not screwing up everyone 's financial lives by misreporting their personal information on a daily basis!!!! Make them fix these errors too and I want my XXXX report and a copy of Equifax and XXXX too once all is corrected and the online versions had better match the paper versions they send me and the CFPB because I WILL contact my lawyer and sue them if they do not!!!!! I will ALSO sue them for any health issues like my XXXX XXXX they are causing to go up and all the stress and wasted time I have spent having to write letters, file complaints and analyze and fix their XXXX errors!!!!!
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I went onto XXXX this evening to pull all three of my credit reports. It only allowed me to pull the Transunion ( which showed my old address from a year ago ( XXXX XXXX XXXX XXXX  XXXX, IL XXXX ) as my CURRENT address which is actually ( XXXX XXXX XXXX XXXX XXXX IL XXXX ) on their main screen that has you enter your email and phone number after you log in, but won't allow you to fix the address or name! Then once I got past this the actual report had my current address showing correctly in XXXX, IL and XXXX  which had tons of old accounts that have been paid off from my student loans from the past from eleven years ago ( they are suppose to remove old accounts after seven years ) on top of this they have all been paid perfectly but they only show X 's on most months except for a couple, then when I clicked the next button to go to the XXXX report it said they were having technical difficulties and would not allow me to view it!!! I tried it twice, same thing!! When you are guys going to MAKE these credit reporting agencies tow the line and follow the laws??? They of all people should NEVER have an error of any kind on a report on ANYONE, they are the only ones holding all of our personal information!!! If they are that incompetent or LAZY that they can not do their jobs, they need to all be fired and the businesses SHUT DOWN with huge fines applied to them!!!! We don't even need them, this country got by much better when these idiots were not screwing up everyone 's financial lives by misreporting their personal information on a daily basis!!!! Make them fix these errors too and I want my XXXX report and a copy of XXXX  and Transunion too once all is corrected and the online versions had better match the paper versions they send me and the CFPB because I WILL contact my lawyer and sue them if they do not!!!!! I will ALSO sue them for any health issues like my XXXX XXXX they are causing to go up and all the stress and wasted time I have spent having to write letters, file complaints and analyze and fix their XXXX errors!!!!!
Consumer complaint received 2022-02-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MI)

My account with CHRYSLERCAP, account number is XXXX, should have no 30 days late on the month of XX/XX/2019 because I have not received any forms of billing information or any notification that this account is due or something. This is not an error on my end. With that being said, sending written letters and a lot of attempts on reaching out to XXXX and XXXX Credit Bureau and Creditor were neglected. This should be corrected immediately.
Consumer complaint received 2023-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

On XX/XX/2023 I opened a checking account with Apple Bank and deposited {$250.00} cash. 

On XX/XX/2023 I deposited a check. 

On XX/XX/2023 I deposited {$400.00} cash. 

So the only check I deposited ( from Pennsylvania ) was on XX/XX/XXXX. Everything else cash. 

I went to make an online transfer of funds- and there is a hold on {$420.00}. I am unable to access {$420.00} of my money. 

There is NO REASON WHATSOEVER to put a hold on any of my funds. The check cleared a week ago, and everything else I deposited was cash. 

See attached .pdf file, showing my bank account when I log in to Apple Bank website.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XXXX - Transfer of {$10000.00} rejected by Chase from XXXX XXXX XXXX ( I am the owner of both accounts ) XXXX - called customer service rep, told me Fraud team rejected it, fine verified the identity together with XXXX XXXXXXXX XXXX Chase told me to try to transfer $ XXXX again and rep said she put the notes to not reject it as she verified I am the owner on the account XXXX - Chase again rejected the transfer and locked me out XXXX - I called Chase again, rep told me Fraud team rejected it, and the rep said don't know why. While restoring online access, the Rep deleted the external account I have to have the money in the bank account for a payment XXXX - what can I do now? Why is the Fraud team NOT READING the notes?
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (FL)

I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely,
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Chase unexpectedly closed my account on XX/XX/year> without any prior notification. It was only when I discovered that my XXXX XXXX had suspended the card that I realized Chase had taken this action. Upon contacting them, I was met with rudeness and they refused to provide any explanation for closing my account. Furthermore, they informed me that I would never be allowed to open another account with Chase in the future.
Consumer complaint received 2017-05-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

I have  XXXX  private student loans wi th Navient. I  ca n't make the payment amount that they request per month. I need to be able to pay about {$400.00} per month for those  XXXX  loans, but they will not do that. They have ruined my credit and my co-signers credit. I have been going through sickness that past couple of years but they have been no help. I have called them several times and each time they offer me different terms and payment arrangements through the company. I just need to lower my payments please help me. Also the interest rate on those loans keeps on changing every year and it goes higher and higher. I will never manage to pay those loans off.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

On XX/XX/2022. I was on a website looking for a new home. The website was called XXXX. On the website it states that you need to provide a XXXX $ Fee for an application. As I proceeded to look on the website I found a home that I would like to look at. I messaged someone that can help me out with the process. As we spoke he also informed me about the application fee and that I also had to send an additional XXXX $ for the processing fee. I was okay with it. I used chime mobile banking as my payment method. Chime is affiliated with stride bank. So as we spoke I filled out an application and paid the fee. He then proceeded to ask me more information about the people I live with. Anyone over XXXX had to fill out and application of their own and also pay the fee. At first I was little unusual about it but I needed somewhere to move. So then my son had to fill out and application because hes over XXXX, and I sent another XXXX $ to the person. So as we moved on with the processing, the person then asks me to verify my XXXX account. So being that I didnt know what he meant I asked my son for help. When my son came to help me he couldnt find what the person was talking about. So I then asked if I can get a refund for my applications because something didnt seem right and the person really didnt want to, also tried to persuade me into staying but then agreed to send the refund. So after a while the person kept asking me to verify my XXXX account. And asked my son to come help me once again. So my son came to help me he told me to stop interfering with the person because it seems XXXX. And the only way someone can access your account from a Third party they XXXX be a hacker or scammer. So as time went on he kept constantly asking me to verify my XXXX account. Somehow the account was verified and he proceeded to ask me send a code from chime. I simply was asking if I was going to get my refund and instead saying yes or no, he kept asking me to send a code for chime. So because he was asking for a code from chime I was thinking that would get me my refund back being as thought I sent the fees through chime. So at first I was struggling trying to send me the code and I couldnt get it right so then I had to ask my son for help again. My son was able to help me and send the code. The code was sent and my son proceeded to check my chime account. When my son opened up the chime app and tried to log in he said there was an error. We tried signing in a few times and it didnt work. So then my son called chime to to fix the problem but as my son is listening to the prompts from the call he check the balance. The balance for both of my accounts stated XXXX XXXX So continuing in the call we got a hold of an agent and got the account back. We were brought to another agent for the fraud/scam. We spoke with the other agent about the situation and gave proof. A few days later they were not able to help me.
Consumer complaint received 2023-01-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IA)

I have reached out to this debt collector ( LVNV FUNDING LLC ) about a reporting i'm seeing on my credit report. I don't recognize the account with the Original Company so i sent a letter to the debt collector asking them to verify the account by sending proof of this alleged debt with their company. They send me a statement of the credit card that's in question, not anything that's linking me to this credit card ( proof that this debt is mine ). I did not have any credit card with this company XXXX of XXXX  to XXXX of XXXX. This is damaging my credit. I have the right to a fair and accurate credit report and i feel that I am being deprived of my rights. I ask that this deleted immediately. Its been over 2 months of going back and fourth with this company for them not to completely cooperate with me, this is my life here.
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Almost one year ago EDD took all positive funds that were available and turned it into over $ XXXX in the negative. Finally last month they sent me a letter about some claim that didn't match up with the amount + some that was overdrawn not including months of current certifications. At the end of the day the basically wiped out my amount that was overdrawn and made my account available with {$200.00} and called it a day. No explanations other than this was all EDD 'S FAULT. I've tried to speak to them countless times for infor from the beginning to the end but never any clear answers. This is corrupt and robbery. Im A single mom of XXXX homeless, almost lost the custody of my children because I was not financially stable. Needless to say this was just the icing on the cake to a time desperately in need for financial support. I have lost everything and I have no energy for day to day task at this point. Very disturbing and disappointing. Please give me something or some type of resources. Mom of XXXX year old twin boys and soon to be XXXX year old daughter. Please Thank you for taking your time out to read this. 

XXXX XXXX
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (TN)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/ your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX