davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
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: JPMORGAN CHASE & CO. (GA)

I want at a minimum a partial refund of {$1600.00}. I was back-charged an additional $ 700+ for services that I had already paid for, and was forced to pay a further $ 900+ 17 days ' worth of services I never received. I only should have been billed for services from XX/XX/XXXX to XX/XX/XXXX, but because I was leaving their services, the merchant forced me to pay more for the services I received in XXXX, despite finishing paying that invoice, just because they didn't like the fact I was leaving! And they made me pay for services from XX/XX/XXXX to XX/XX/XXXX, which I never received! Just because they made the services available, didn't mean I wanted them! I wanted to leave their services to sell my computer equipment while it was still valuable, not be locked into paying for their services, especially since I had no contract! They threatened to sell my property if I didn't pay. This is extortion. This merchant is a scam! I want my money back. 

I do not agree with the previous closure of this case. Dear Chase, PLEASE REVIEW MY DOCUMENTS. I make clear how the merchant used shady accounting practices and the threat of extortion to take my money. I will be taking this to court if I do not receive my partial refund. 

The XXXX dispute " decision '' was under review when I asked for Chase to initially step in. Please do not just look at that and decide the case is closed.
Consumer complaint received 2019-09-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ZARVAD III S.A. (OK)

They charging illegal interest rates and harassing when trying to stop ACH debt. Borrowed XXXX to date have paid XXXX none of it as went to the principal they say they want another XXXX to close my account. Oklahoma law only allows you to have two payday loan with fixed interest. Which I already have.
Consumer complaint received 2022-04-06
Product: Debt collection — I do not know
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: Webcollex, LLC (TX)

different people from this CKS FINANCIAL make multiple threatning calls to my home and cell numbers using spoofing software showing local numbers on caller id every day saying the sheriff has some arrest papers or something at work .of course we all know that is not so .they have showed insufficient validation seeking unjustifiable amounts using the telephone to annoy and harass me .since XX/XX/XXXX i have blocked over 79 of there numbers showing local spoofing technology area codes that is amazing to see that level of harassment .sent a cease communication to there address on file but was ignored.
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I HAD XXXX, WHICH I BOOKED TRAVEL TO XXXX XXXX ON XX/XX/XXXX FOR TRAVEL ON XX/XX/XXXX XXXX XXXX, XXXX. 

AFTER COVID 19, HIT THE UNITED STATES I CONTACTED THE CREDIT CARD COMPANY TO CANCEL THE FLIGHT SO THAT I WOULD BE ABLE TO USE THE POINT AFTER THE COVID 19 PANDEMIC. 

I THEN HAD ON XX/XX/XXXX XXXX POINT FOR TRAVEL WHICH EQUATES TO ABOUT {$5000.00} IN TRAVEL OR OTHER BENEFITS. 

I WAS NEVER NOTIFIED OR ANY ACCOUNT CLOSURE BY ANY TELEPHONE CALL OR TO THE ADDRESS ON FILE AND THEY INTENTIONALLY CLOSE MY ACCOUNT SO THAT I WOULD NOT BE ABLE TO USE THE POINTS. 

APPARENTLY, THEY SENT A LETTER ON XX/XX/XXXX, I CALLED IN ON XX/XX/XXXX IN ACCORDANCE WITH THE LETTER AND NO ONE TOLD ME THAT THE ACCOUNT WAS GOING TO CLOSE MY ACCOUNT. 

I CALLED IN TODAY AND THEY TOLD ME THAT MY CARDS HAVE BEEN CANCELED WITHOUT MY KNOWLEDGE AND THEY KNEW MY CORRECT ADDRESS.AS SOON AS THEY REALIZED WHAT THEY DID THEY HUNG UP ON ME AND WHEN I CALLED IN THEY KEEP HANGING UP ON ME.
Consumer complaint received 2018-11-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: STERLING BANCORP (NY)

I was charged {$240.00} in overdraft fees. 

At the time there was a balance of {$11000.00} in my second checking account XXXX. 

I have been a customer since XX/XX/XXXX and have never once overdrafted either account. 

After weeks of phone calls and several exchanges of letters to senior management, I have been refunded for four of the seven fees but that is not sufficient to resolve this issue. 

1. 
On XX/XX/XXXX I overdrew my account XXXX four times and was charged {$35.00} for each point of sale transaction. 

2. 
On XX/XX/XXXX there was a balance of {$11000.00} in my second checking account XXXX. 

3. 
On XX/XX/XXXX at XXXX XXXX, upon learning of the fees, I immediately transferred in {$2000.00} from account XXXX. 

4. 
Later on XX/XX/XXXX three more fees were assessed to my account. This totals seven fees in all. 

Chronologically these three fees followed the {$2000.00} deposit. 

5. 
When I opened my account in XX/XX/XXXX, I enrolled in an overdraft protection product that would draw from my second checking account XXXX. 

At some point since XXXX, without my knowledge, this overdraft product was discontinued. The product I was automatically enrolled in at that time was useless to me. 

I do not understand whatever product I am now enrolled in which will pay transactions on account XXXX for a {$35.00} fee. This product is useless to me since I dont even have checks for this account. 

If I was informed my overdraft product changed at some point in the last seven years I would not have agreed to it since I dont care if a transaction is rejected on account XXXX. 

If I were attempting a purchase at a merchant -- and my point of sale transaction was denied -- that would be my cue to check the balance on the account.
Consumer complaint received 2022-02-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (CA)

I requested through BSI mortgage online portal a Covid foreberance. I have called multiple times and I have received nothing. I call customer service and ask and they keep telling me paperwork is in the mail. It's been about 1.5 months. I am current on my mortgage and never been late but I am struggling financially and this is a hardship. My last call was today to follow up and the representative named XXXX started asking me why I applied for Covid forbearance and I told her I was laid off work, she wanted to know Why or how this was Covid related. I honestly was offended and she was raising her voice to me and I asked her why she was upset. My family was affected by XXXX. She kept insisting on for me to provide her a valid reason. I don't understand if she wanted proof. I had already filled out the application online and explained my reasoning for the request. She still kept insisting she needed more reason.Please assist me. I am current but if I don't get a job soon I will get behind and I don't want to lose my home. XXXX XXXX XXXX XXXX XXXX Covid has affected the entire world, including jobs.
Consumer complaint received 2022-02-16
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. (NC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

I have tried several times to file a dispute with Experian to correct my report regarding XXXX XXXX XXXX XXXX. I filed for a Chapter XXXX bankruptcy XX/XX/21 and received a discharge order. 

XXXX XXXX continues to indicate that the account is open has been unpaid for more than 180 days.
Consumer complaint received 2022-07-27
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. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-07-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TX)

I took out a personal loan of XXXX with OneMain Financial in XXXX of XXXX. I have paid on time every month since up until XX/XX/XXXX. However, the balance has not changed much since the beginning of the loan. I do not feel as if the payments are being applied correctly. I have spoke to several employees at the XXXX OneMain office who is not able to help me understand why the balance is not decreasing. One stated that the interest is gained daily whether you have paid or not. I do not remember reading this in the contract or being told of this. Please help me in this situation. I have attached my first billing statement and my current billing statement for proof.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

They are reporting a past due account for a credit card in the amount of {$690.00} for XXXX  XXXX bank. This is not my account and is a fraud account. This fraud account needs to be removed from my credit report immediately.
Consumer complaint received 2022-07-27
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: AMERICAN EXPRESS COMPANY (NY)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX, AMEX XXXXIf you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Continental Finance Company, LLC (MI)

The bank is Continental Finance and the credit card is a XXXX Mastercard. Upon my first payment I set up with my account number and routing number, I did not have the funds. I called in and told them to cancel the payment which they could not so I was advised to take the money out and that it would just be declined because they said they couldn't cancel it. I took the money out of my account and call back in a separate day to inquire about my new balance and attempt to make a payment. I was told I did not need to do so because my balance was less than it was originally. That was weird to me because the payment never went through. So I asked the gentleman that was helping me how is my balance lowered and he stated that my balance is current and it is reflecting the returned payment even and that it is not going to adjust because all the adjustments were set and done. I work in Financing and I understood that something was off so I asked again in full detail to understand why it was showing that the balance was lowered. He assured me over and over and over that the balance on that day was all that i owed and that it reflected all the changes and that it was not going to adjust at all at any point because according to him it already adjusted. I asked about my available credit and he stated that I had {$200.00} to use and that is the amount after all the adjustments have been made. Continental Financial ended up sending me a bill with an update balance that was {$200.00} over what I was assured. I called in to get a resolution I was told that they were going to review the call and call me back but they never did. My payment ended up going 30 days past due and still not response other than calls from them to collect payments and when I asked about the dispute they said they did not know. A client relations manager called me on XX/XX/2022 not to talk about the dispute, no, to collect payment. So I brought up my dispute and was told that even if the representative said something that was incorrect there is nothing that they can do about it other than wave the late fees. I was promised a call today XX/XX/2022. I answered the call and no one answered. I called back right away and a representative told me that there was no Client relations manager available. I gave them time and space to resolve this however it has been 38 days since the dispute and I have yet to get a solution. I have still not talked to anyone that has actually listened to the calls. I am a XXXX XXXX XXXX  and I know my rights as a consumer and I know that sadly most consumers will fall for a scam of a lender such as this one but I will not. If i was assured my balance was a certain amount and that it was not going to adjust then that should have been the case plain and simple. However according to this bank its okay to promise something to a consumer and then change it and just say sorry as if that's every acceptable.
Consumer complaint received 2022-02-16
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (NY)

Creditor has not provided the information I have Requested to confirm that the alleged amount is actually owing. 
On XX/XX/2022 ( see attached ) I requested the debt collector to provide original signed credit application, cashed checks used for bill payment or original billing statements. This information has not been provided. Debt collector continues to post negative information to the credit bureau ( s ). Thereby, failing to produce validation of the debt actually been owed.
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX  card was hacked and all my funds were stolen XX/XX/XXXX, called and made a claim. Bank of America, then processed my account as fraud and my card had been closed up until XX/XX/XXXX. I had to re submit a claim and still no word. Its very very hard and depressing to have to go through this
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/year> I requested a Capital One credit card increase ( {$3200.00} ) online and received an online document declining my request citing average monthly payments have been low when that is not true. I have been paying more than the minimum payment on my Capital One credit card consistently for more than 6 months and their representative would not tell me the reason even after checking my payments and confirmed they have been timely and more than the minimum was paid monthly. 
I was told that my account is in good standing and that I should put in a second request for increase of {$3200.00} on XX/XX/year>. I just dod so and was declined for " average monthly payment has been too low ''.
Consumer complaint received 2022-02-16
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: EQUIFAX, INC. (CA)

After over XXXX attempts, I can not log into my Equifax account ; therefore, I have not been able to release my credit freeze. After XXXX attempts to reach someone by phone, I was able to have them over the phone release my credit freeze. I was told that from this point on that I would be able to access my account online now. I went ahead and clicked on the link they sent to me to create a new password ( which I did ) but the system did not accept the new information - ONCE AGAIN!! Below is the message I receive from their system over and OVER again! 

We are temporarily unable to complete this request. 
Please try again later. 

I am quite sure that I am not the only customer having this problem!
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (CA)

There is an account from XXXX that is appearing under my name with the credit reporting agencies. I was advised by XXXX that this account was to be removed from my credit files. So far, XXXX has deleted the account. It is still on XXXX and Experian and needs to be removed as requested.
Consumer complaint received 2022-02-16
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. (CA)

There is an account from XXXX that is appearing under my name with the credit reporting agencies. I was advised by XXXX that this account was to be removed from my credit files. So far, XXXX has deleted the account. It is still on Equifax and XXXX and needs to be removed as requested.
Consumer complaint received 2022-02-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting inaccurate information for account XXXX XXXX XXXX. I do not think an investigation was done because the creditor informed me that Transunion has not reached out for any information. Lastly, the credit bureaus are reporting inconsistent information which is clearly a violation of the FCRA- all data furnished should be accurate. I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 16811 e b maximum possible accuracy if this account is not removed from my credit report immediately.
Consumer complaint received 2018-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (UT)

Chase Bank will not release the funds of the deposited check with no reason given. I deposited the check on the XXXX and was told the funds would be available on the XXXX like they always have been in the past. Today, the XXXX they send me an email saying the funds " should '' be available on XX/XX/XXXX but it could take longer. No reason given at all. I am not overdrawn, I have not had any fraud or problems with our account. I have never had a check bounce or anything like that. So I gave them a call. 

They claimed twice ( after two calls ), that XXXX XXXX XXXX have not released the funds to them which is false. I have confirmed with XXXX   XXXX XXXX that they have released the funds to Chase and have a cleared copy of the check. There is no fraud hold or anything else other than them refusing to release the funds to me. Even though they said that XXXX has not released the funds, they also added that they have 7-10 business days to release the funds. So basically they are now telling me two stories.
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have been getting many, many solicitation phone calls from the XXXX, CA area. The most recent was on XX/XX/2018 at XXXX XXXX It showed on my cell phone from XXXX. When I replied to the call to tell them to take me off their list, the person told me to " shut my bloody mouth and then hung up on me ''. Although I pressed reply thinking it would go to the same number it was connected to XXXX. 

The other XXXX calls I have received are XXXX on XX/XX/18 ; XXXX ;
Consumer complaint received 2018-11-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/2013, I filed for a divorce. I had to do a modification on my home. I submitted a quick claim deed and a divorce decree stating my husband name is to be removed for the loan. I was approved for the modification using only my income and my information. My ex husband information was not used because he was to come off the loan. I would like for Chase to correct their error and remove his name from the loan. I have been paying the mortgage for the last 6 years on time. Chase continue to tell me they can't remove his name from the loan. They have denied me several times for an assumption. They also denied me a refinance. I'm hoping this issue can be resolved.