davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (MD)

XXXX in XXXX, MD. XXXX sometimes use CareCredit to finance their procedures. CareCredit is owned by Synchrony bank. Over a year ago, XXXX. Last month, this XXXX filed a fraud claim ( worth {$8100.00} ). I was asked by CareCredit/Synchrony bank to provide documentation proving that the XXXX. The following week, I received a fax from Synchrony bank stating that I did not provide enough information and that I would lose the {$8100.00}. XXXX I tried to call CareCredit and Synchrony bank multiple times to see what I could do in order to resolve the problem so that I would not lose the money. Unfortunately, we were placed on hold, hung up on, and transferred everytime we called. I spoke to XXXX in the CareCredit fraud department and she could not help me. I asked to speak with the manager. XXXX told me his name is XXXX and that she would give him a message to call me, but I never heard from him. Finally, I did reach a manager, XXXX, who basically stated that the decision has been made and there is nothing I can do about it. This is very disheartening since XXXX, I XXXX and I will end up losing a lot of money. I feel like the faud victim now. Please help me find a solution to this problem. Thank you
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (KY)

On XX/XX/XXXX I recieved my statement from Venmo and found several errors and I dont usually use my physical debit card so I had no idea it was gone. I contacted each merchant and asked for the transaction details and they all said I had to go through my bank for the information and they couldnt process a refund. I started the dispute claim process with Venmo and sent the supporting documentation and within 8 hours the claims were all denied. Theres no way they did a proper investigation or procedure on this. It took me that long to simply call the merchants and ask one question. Let alone get supporting documentation. I reached out to Venmo again and asked for appeal of the dispute and or documentation from its investigation and I have been ignored and flat not gotten an answer.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC (CT)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states that i have the right to privacy. 15 usc 1681section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (SC)

On XX/XX/XXXX, I spoke with a representative regarding billing and was told I would receive an email and written documentation in the mail regarding my payments be I was told I had not made a payment since XXXX, 2023. In XX/XX/year> I made arrangements for the months of payments to be placed on the back end of my loan because of my inconsistent income from part-time employment. I have contact the billing and collect department on several occasions regarding their faulty practice. Today I was threatened with repossession after agreeing to provide documents regarding my payments which were dismissed by the representative I spoke with today.
Consumer complaint received 2017-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TX)

JPMorgan Chase has been our current mortgage holder on our home loan for approximately 2.5 years. We are, and always have been, in perfect standing on our existing loan. 

Our current mortgage is a fixed 4.0 % for 30 years. In XX/XX/XXXX we applied to Chase to refinance our existing mortgage to a 15 year fixed with a rate locked at 2.75 %. The amount to be financed was approximately $ XXXX ; during the process our home was appraised by Chase at just under $ XXXX. 

My spouse and I have perfect credit ( both have scores of ~ XXXX credit score ). Both of us have stable jobs and incomes that far exceed the minimum requirements for a {$2100.00} monthly payment after refinance. 

After nearly 2 months of work to scan in documents, provide Federal tax returns, and numerous phone calls requesting additioanl documentation, we were informed our application was approved by Chase underwriting. We were told a closing date was forthcoming. 

Then silence for nearly 2 weeks ( early XXXX ). We were told that " compliance '' had suddenly denied our loan application. Our loan specialist ( XXXX, XXXX ; XXXX & gt ; ) and her boss ( XXXX XXXX ; XXXX & gt ; ) said our financial standing was perfect and they had no idea why our loan application was denied. 

Both XXXX and XXXX then asked us repeated questions such as : - have you ever wired money overseas? 
- do you have relatives in the XXXX XXXX? 
- have you recently travelled to XXXX, XXXX, XXXX, or similar country? 

The answer to all of these was " No ''. Questions only centered on my spouse, XXXX, and not myself. XXXX is a United States citizen and has only lived in XXXX, Texas or the surrounding area. 

I complained and demanded an explanation. The next day, a person claiming to be from Chase spoke to me and offered no information except to offer Chase apologies for the nearly 2 months of work both myself, my spouse, and the loan origination team put into the deal that was cancelled at the last moment. 

We received a form letter a few weeks later that contained 2 check boxes. NEITHER WERE CHECKED. This letter, which I will provide a copy to you, violates what I understand to be the law : the lender must indicate SPECIFICALLY why were denied.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

I noticed unauthorized charges on my account fromXXXX XXXX for a considerable amount I am sure my debit card was skimmed or duplicated or compromised. 

I filed a police report and also contacted chime and XXXX who is the merchant I have contacted chime and Im afraid I wont be able to get any recourse. 

The balance in my account was unnoticed due to multiple deposits, credits and adjustments & because I was hospitalized and unaware of the missing funds until currently I have a funeral to pay for and its imperative my funds be returned
Consumer complaint received 2023-04-12
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. (GA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia, XXXX ( XXXX ) XXXX XX/XX/2023 Dear EQUIFAX, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : US DEPT. OF EDUCATIONXXXX Amount : Closed Party Owed : XXXX XXXX XXXX Amount : {$480.00} Account Number : XXXX XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 
This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-15
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: LEXISNEXIS (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERALTRADECOMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of account that does not belong to me or was opened without my permission. Bankruptcy : XXXX XXXX # : XXXX According to FCRA Section 605B ( a ) the credit reporting AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-15
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE (PA)

I sent four bottom money order receipts for four XXXX XXXX  money orders that were never cashed by the people I sent them to and asked for a reprint or refund. I was charged XXXX dollars processing fee for each refund check resulting in only four XXXX dollar checks. That is excessive and oppressive. It should be a sliding fee of XXXX percent the total amount of the money order. That would be more fair a business practice. The banks have all gotten out of control with their excessive fees and greed. Or it should be only XXXX dollars for everyone. All the money orders XXXX dollars and under receive no refund check.
Consumer complaint received 2024-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: WELLS FARGO & COMPANY (PA)

In XXXX I asked Wells Fargo to increase the time of my loan so they could lower my monthly payments I asked for an extra 15 years they added 40 years I did not agree to that so I have been paying a lot on interest instead of the principal I should have my house paid off in XXXX but now they said XXXX and then they sold my mortgage to XXXX XXXX with the same terms
Consumer complaint received 2023-05-16
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. (TX)

I sent a dispute letter over 90 days regarding account XXXX XXXX XXXX XXXX. Please send me the proof that you ever did an investigation on this late payment. The only legal form of verification is a copy of their bank statement proving when my account was late. Unless you can furnish this, you need to remove this late payment due to inaccurate reporting.
Consumer complaint received 2023-04-12
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. (GA)

After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/, 2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hope that these accounts late will be removed. 
XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance : {$29000.00}
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (MN)

I recently signed up for the Avant XXXX XXXX. Shortly after I got the card activated I used it just days later on XX/XX/XXXX. I charged a total of just over XXXX dollars on the card. Days after that I went to the credit card website to make a payment only to find that the website was down. So I checked the website again the next day and it was still down. The next day or so after that the website was still down, so I called the number on the back of the card to talk to a rep. They said the system was down so I could not make a payment on the phone, so was told to try downloading the app and make a payment on the app. I could not get the app to work to where I could make a payment. Then I called the phone number again only to be told the system is still down and I now can't make a payment on the app, website, and/or by phone. So no feasible way for me to make a payment over any outlet. Customer support was terrible too and would just put me on hold and ultimately not do anything. I called them 3 times today to no avail.
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (PA)

My name is XXXX XXXX XXXX. I would like to submit a complaint about a lawsuit against me from Discover credit card company regarding a fraudulent amount of {$2500.00} dollars. The actual amount that I owed is {$1000.00} dollars, not {$2500.00}. I called Discover credit card company to make payment arrangements for the original actual amount of {$1000.00}, but they made some excuse for not to lower the amount. If they allowed me to explain further I wouldve explained to them is the reason I stopped paying was due to the fact that I had to quit my job to take care of my grandma. Initially my mother was taking care of my grandma until my mom got XXXX. After her XXXX my mother was no longer able to take care of my grandma, so I had to step up and help out.
Consumer complaint received 2024-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (MD)

on XX/XX/XXXX a wire transfer of {$400.00} was initiated for to : Wells Fargo Bank, NA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Routing # XXXX For Credit to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account Number : XXXX For Benefit Of : Account # : XXXX Name : XXXX XXXX The funds came from my account with XXXX XXXX The funds never made it to the XXXX XXXX account. On on around XX/XX/XXXX, I personally reach out to XXXX XXXX and they confirmed they never received the funds and was advised to reach out to Wells Fargo. I then reached out to Wells Fargo Bank and was advised that because I didn't have a personal account with the institution I would have to reach out my my bank that initiated the transfer. 
I went into my local branch and spoke with a banker who's initiated a " tracer '' to locate the funds. She also reached out to Wells Fargo Bank back office to get assistance in locating the fund. As of XX/XX/XXXX there has been 4 attempts to communicate with Wells Fargo Bank from the banker at XXXX XXXX regarding locating the {$400.00}. Dispited many attempts by myself and XXXX XXXX Wells Fargo Bank has failed and or refused to respond.
Consumer complaint received 2023-10-29
Product: Credit reporting 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. (TX)

I tried to get my Transunion credit report through annualcreditreport.com website and I am unable to get this report online. Tried multiple times over last 2 years and it always gives an error.

I tried calling Transunion customer support several times. They keep transferring me to different departments and not able to resolve this issue. I have no problem getting my credit report for XXXX or XXXX through the same site. Transunion always shows error. Refer to attachment for error.
Consumer complaint received 2023-05-26
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. (CA)

On or about XX/XX/XXXX, I uploaded 4 documents, per TVPA XXXX, which included a letter from a Non-governmental agency ( NGO ) certifying that I was a victim of human trafficking, a copy of my ID, a copy of my utility bill, and a self-attestation letter with the accounts and information to be removed from my credit report AND credit file, to both Equifax and XXXX via their websites. This was done to also ensure that the information was inputted into the e-Oscar system. Per the TVPA, credit reporting agencies MUST remove the accounts listed by the victim, from their credit reports within 4 ( FOUR ) DAYS. I waited 6 business days and BOTH XXXX and Equifax failed to remove the accounts. 

On or about XX/XX/XXXX, Equifax sent me an email requesting that I submit documentation for my claims of being a victim under TVPA, for which I had already submitted the required documentation. I then called Equifax and had a conversation with an employee who identified himself as " XXXX '' and stated he was a " supervisor '' for the department that handles issues with victims of human trafficking. During the conversation, " XXXX '' informed me that Equifax was questioning the validity of the letter I uploaded from the NGO. When I asked if under the law, Equifax had the authority to question the validity of a victim certification letter submitted by an NGO, he stated yes as it was part of their job. I then stated that if there was a question, why Equifax did not call the NGO and/or do a organization search to confirm their validity prior to denying my federal rights as a victim under TVPA. He only stated again that Equifax was questioning the validity of the letter. During the call, I informed " XXXX '' that I was recording the call for my protection under federal consumer protection rights. " XXXX '' then told me that Equifax records the call but I was not allowed to record due to Equifax 's policies. I then stated that I was in a state that requires consent to recording and I was not informed that the call was being recorded UNTIL I stated that I was recording the call. Thus, Equifax was recording WITHOUT informing and receiving my consent. This is a violation of TCPA and UDAAP. I have retained a recording of this phone communication. 

XXXX has failed to communicate with me within a timely manner regarding my submissions as a victim under TVPA. 

To date, XXXX, XXXX, XXXX, neither Equifax or XXXX, have complied with TVPA by complying with my federal rights as a victim under TVPA. This exceeds the 4 ( FOUR ) days, albeit business or calendar, in which credit reporting agencies are required by federal law to act on behalf of victims under TVPA.
Consumer complaint received 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions. 

Account # : XXXX Name of Account : XXXXl Debt Amount : {$17000.00} Account # : XXXX Name of Account : XXXX XXXX XXXX Amount : {$880.00} charged off, {$0.00} balance Account # : XXXX Name of Account : XXXX XXXX XXXX Amount : {$530.00} Account # : XXXX Name of Account : XXXX XXXX XXXX Amount : {$460.00} Account # : XXXX Name of Account : XXXX Amount : {$2100.00} XXXX says not reported but it is
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (PA)

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. XXXX parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account, they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Per violation of the FDCPA, which stipulates that I am entitled to {$1000.00}, they have manifestly infringed upon my legal rights. 

I hereby request that this organization remove this account from all XXXX  credit reporting agencies and provide compensation for the infractions. Failure to do so will force me to escalate this matter to my XXXX attorney, who has informed me that the absence of a " consumer disputes '' entry on my credit report constitutes a breach under which I may file a lawsuit against them.
Consumer complaint received 2024-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (GA)

I had a customer pay for a service using a Chase XXXX payment link. I have been a Chase XXXX Account customer for over 5 years and this was the first time using the feature. 
My customer was able to pay for the full {$2300.00} using the payment link, I see that this payment has a status of paid, however the funds are not being deposited into my account. I've reach out to Chase today several times and they claim that they emailed me on Wednesday XX/XX/2024, with a reason, but that email was never received! The reps refuse the tell me the reason and continuously site that the information is in the email I did not receive. They are now placing a 120 day hold on my funds and this has negatively impacted my business and I will not be able to pay my workers for the week. I've been a loyal customer of chase for a long time, but I can not continue to recommend Chase after this terrible treatment, and gas lightning. 

Please note that this is the first and only time I've accepted payments via the XXXX option.