davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-20
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. (TX)

I purchased from XXXX for tickets to XXXX XXXX XXXX XXXX on XX/XX/XXXX while on vacation for 4 families for {$650.00} using Chase Freedom credit card. I went online at XXXX XXXX to purchase the XXXX adults and XXXX children tickets. We didn't leave XXXX CA until XXXX XXXX  and I still haven't received my tickets. As we drove down there, I continued to monitor my email inbox and junk mail and still don't see any confirmation email. We stop to get gas, and I try to call XXXX at XXXX XXXX. The wait was long, so I leave a call back number. We went to the zoo to meet up with the other families. As we wait in line to get the ticket since I think there is something is wrong with there system because I bought tickets from them before and got it instantly. They did not give me a call back until we were already in the park at XXXX XXXX. As I spoke with customer service on the phone, I ask if I can cancel it because I'm already in the park, and it was their system error. She told me the ticket is final, but I try to tell her that I'm on vacation and doesn't live in XXXX XXXX, CA. At XXXX XXXX, she sends me the ticket. I call Chase the same date to put in a dispute, but they unable to do it since it's pending. 
I call Chase again on XX/XX/XXXX to put in the dispute and explain the same as the above. They told me that since the website mention all sale is final, so the ticket is valid. This is the second time I have a similar issue with Chase. The previous was luckily resolve by XXXX  stepping in to help because of the seller using deceptive description. I felt that all my consumer right using the credit card is gone since they put a phrase of " All Sale are Final '', and I can't use the dispute quality good/service for online. 
I have attached the call and the time I bought the ticket at the location and the call history.
Consumer complaint received 2023-04-28
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. (PA)

I am writing this letter to have inaccurate items removed from my credit report as I am a victim of identity theft, and I did not make these charges. The items I need deleted due to the theft of my identity are listed on this document. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed a copy of the Federal Trade Commissions Identity Theft Affidavit. Please remove these items as soon as possible.
Consumer complaint received 2019-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (KY)

For the past weeks, I have been receiving telephone calls from Navient representatives. I have asked not to be recorded. Navient representatives continue attempts to record me without my permission to do so. Each time I receive a telephone call, Navient representatives ignores my request of not wanting to be recorded. For example, Navient representative telephoned me again this morning ( XX/XX/2019 ) at approximately XXXX XXXX, Eastern Standard Time stating that it is their standard policy to record their telephones. I have asked Navient representatives to contact me only in writing. I ask that Navient representatives to stop calling me. I am being harassed and will not permit it to continue, I will take legal action. I have already responded to their correspondences and made loan payments as scheduled.
Consumer complaint received 2019-06-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United PanAm Financial Corp. (NC)

Since, 2016 the company i originally purchased vehicle from eastern XXXX XXXX here in XXXX, N.C have harassed myself on property, mechanics stalking myself from work to home on multiple occasion when i had the vehicle for 16 Months. The vehicle kept cutting off on the XXXX of each month i had the vehicle. the vehicle was on a 30 day warranty so i notified the mechanic that their was a problem with the XXXX XXXX v-8, and he replied to take the vehicle over to XXXX XXXX XXXX, so they can work on the vehicle. after 7-10 days of persistent runaround ; the warranty expired. 
so, i filed a complaint with the national transportation safety dept about this problem. 
then was told too get an assessment on vehicle. mechanic told myself it was the battery!! 
i replace the battery 3x times, it was not the problem. then the airbag light came on then went off. the vehicle was taken to XXXX XXXX XXXX here in XXXX, n.c. ; the mechanics their did a diagnostics test and blew the panel fuse box with grey and white smoke fuming from vehicle. i was told then the vehicle was a lemon as is. i also reported this to national highway transportation safety dept, and thats when they expanded the recall on takata airbags in vehicles previously missed by auto companies nation wide!
Consumer complaint received 2023-07-30
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. (TN)

I disputed with Transunion on XXXX about fraudaulent accounts that i discovered on my credit report that has caused detrimental effects to my health and credit. The accounts that I disputed were not authorized by me and I have never under perjury of penalty of the law received any of the services or transactions. I have contacted the creditors and completed all of the procedures needed to prove that I am a victim of Identity theft. I have sent Transunion my FTC affidavit, My dispute letter, identification, and my social security card. The accounts are 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 XXXXXXXX
Consumer complaint received 2019-06-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (TX)

I am getting phone calls during my work hours to my work from this company ERC. I would be glad to return their phone call if they call my cell phone and leave a voicemail. I dont know how they found my place of employment as I never gave them this contact information of authorization to call me there. They keep calling me to my place of employment and I totally disallow this. They provided a reference # XXXX. The contact number they provided is XXXX and company is ERC. It looks like their website is www.ercbpo.com and guy that called me is XXXX ( did not leave last name ).
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My account was closed due to suspected fraud. I told them i had nothing to do with it that someone must have stolen my bank information. They refused to believe it and after paying {$290.00} to get my account balanced and in good standing, they are still reporting that the account is unpaid and delinquent. I have the receipt that i did in fact pay the {$290.00} on XX/XX/2016 at XXXX XXXX  est.
Consumer complaint received 2019-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (FL)

I have a car loan with Santander Consumer USA. I bought a 2017 XXXX XXXX XXXX from XXXX XXXX, XXXX, FL on XX/XX/2017. My payments are XXXX a month and in the 20 months I have been paying on my XXXX dollar loan I am down to XXXX dollars. I normally have around XXXX a month go to my principal. I always pay my loan early so I'm not late and not penalized. I made my XXXX payment which was due on XX/XX/XXXX on XX/XX/XXXX, my XXXX payment was paid on XX/XX/XXXX. Now it wasn't due until XX/XX/XXXX. I got my XXXX bill and I noticed that instead of XXXX going on my principal, only XXXX did and XXXX went to interest! I always pay my payment early so I could not understand why this happened. When I called Santander, I was told that because there was more than 30 days between my payments i was charged interest daily! So I was penalized with extra interest that i can't understand why. There are on average, 30 days in a month. Why have monthly payments if you are charged daily? I don't understand this. If anything I should save on interest for paying it early. So I asked for a payoff balance and it is more than i owe! How is that? My payoff balance is XXXX. I asked to speak to a supervisor and I was on hold forever and then the line was disconnected. This is unfair business practice. There are numerous complaints against this company and I just want what is fair.
Consumer complaint received 2019-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IN)

I can not count the number of times now that I have been lied to by various agents on the phone nor does ANYONE at the company seem to be able to follow simple instructions. 

All past issues withheld, on XX/XX/XXXX, SLS received the completed, updated BPO ( it  showing online in my account documents under " loan and tax documents '' ). This BPO ( that was requested by SLS ) shows that my home value exceeds threshold for PMI removal. Despite ALREADY signing documents for PMI, I called in early XXXX to confirm the PMI would be removed. The agent stated yes, it would be removed. 

I called back a few days later to confirm, another agent stated she didn't see the request for PMI and the system to request PMI was down, but she would email her manager to make sure it was taken off. She stated to call back in a few days to confirm. 

I called back on XX/XX/XXXX to confirm the previous agents actions. She informed me that she didn't see any requests to have the PMI removed, but that she sees the documents, and my account would have the PMI removed. She too suggested calling back to confirm. 

On XX/XX/XXXX, I spoke with an agent who stated she sees the request, but they are needing us to fill out a form to request a BPO! This document was sent in to SLS in XXXX. The BPO was given to SLS on XX/XX/XXXX. She then proceeded to tell me the value is still at 85 %. 

How is it possible for NO ONE to see the other agents actions? 

I have attached to this complaint the BPO. It shows the home value at {$240000.00}. 80 % of that value is {$190000.00}. 

As of the time of this complaint my current mortgage balance is {$180000.00}. This is well below the threshold for PMI removal.
Consumer complaint received 2019-10-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I applied for a home equity loan with my credit union XXXX   Employees credit union and got a letter of approval for {$33000.00}. I waited 33 days for the loan to be assigned to a processor and today they called me stating my income ratio is not enough to cover the loan and they counter offer me only {$10000.00}. I talked to the supervisor and he said that XXXX car loans under my name are my responsibility. I explained that I'm not doing the payments for the loans and I'm just the cosigner and if they need proof of that I can give them whatever they need. I also told him that why are only taking XXXX of my other income in consideration and not the full amount? And he was saying that they look for income on the next 3 years. It was a whole bunch of running around and he couldn't explained to me where in their written policy says that?! I thing I was discriminated base on my gender and marital status. Please do something about this cause if it was for married couples the approval is faster. Also my credit score is not bad at all.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

years ago i took out a va loan with XXXX XXXX. and they never closed it out. it has been killing my credit for years. i know it is on experian but i am unsure if it is on the other credit reporting agencies. i do no have the account numbers because this was 10 or more years ago. thanks in advance
Consumer complaint received 2020-02-08
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (AK)

I have a checking account with JP Morgan Chase Bank. I had a safe deposit box at the Chase bank at XXXX XXXX XXXX, XXXX  XXXX, XXXX. I went in person to the branch and closed the box on XXXX. I was missing one of the keys, and was told the box would have to be re keyed if I could not find the key. 
When I returned home to XXXX, I found the missing key. I had not been billed for the locksmith  yet. I called the Service Center at XXXX to get a number for the XXXX XXXX branch. I called that number, XXXX, and asked if I could still send in the key and was given the address to send it to. I confirmed at this time that the box was closed. I mailed the key via certified mail for which I have a receipt dated XXXX. 
When I opened my statements after being away for part of the winter, I saw that I had been charged for another year 's rental fee for the box ( XXXX ) as well as a {$12.00} service fee for being below the minimum balance for a free account. I called the branch to have that corrected but a recording said that all representatives were busy, and to call back. I called back several times that day and the next, hearing only the same message each time. 
I called back the following week several times. I called at various times and days of the week thinking that surely someone would respond. Over the next several months I tried the number multiple times. I called the XXXX again and was told that for safe deposit box issues I would have to contact the branch, or go in person. Even the service center representative called the branch for me and could not get a person to answer. I live in XXXX  and can not go in person. I have continued to call at random intervals over the last year, and have never reached anyone, only the same recording. 
I have been unable to correct the original error, the improper charge for the box rent of {$95.00} and the resulting service fee of {$12.00} per month. I want to close the account completely, but fear that I will never get back the money that has been improperly debited from my account. The fees are still being debited, going on for 13 months now. So far Chase owes me {$250.00}. 
Today, XXXX I again spoke to the service center at the 800 number. I asked for a supervisor, who called the branch and got the same recording. She gave me two other  numbers. I asked her to call them for me and she hung up on me. I do not know how to resolve this please help.
Consumer complaint received 2023-04-28
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. (PA)

On XX/XX/XXXX and XXXX I sent ( via certified mail ) Experian, XXXX, and XXXX my FTC reports along with a copy of my driver 's license and the US Code 1681c-2 - Block information resulting from identity theft US Code .
Consumer complaint received 2018-07-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (OR)

I am senior citizen and I have a XXXX XXXX, XXXX  XXXX. Also currently receiving XXXXXXXX XXXX XXXX where I was advised not to sign any documentation currently. I was desperate and needed a small loan to get by until my next XXXX check. I contacted Amplify funding and borrowed only {$500.00} not knowing my interest rate. They went so fast and kept telling me to sign page after page without explaining my interest rate. They are now going to take {$170.00} on the XXXX of every month for one year and I will end up paying them over {$2000.00} for a {$500.00} loan. I know I have my responsibilities but nothing was explained to me and I can not afford to pay over {$2000.00} and have {$170.00} taken out monthly. I felt I was rushed and taken advantage of. I plan to pay back what I borrowed but as a senior on XXXX I can not make these payments. I was rushed through the process and not explained anything about my interest rate. I was shocked to find out how much I had to pay back. Please help me and tell me what my options are. I plan to close my back account but also have every intention on paying back what I borrowed but not at the outrageous interest rate. I can't pay it. What are my options? I'm in the process of getting a case manager to help me with my finances.
Consumer complaint received 2023-07-30
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. (LA)

Unwarranted inquiries listed on credit report : XXXX : XXXX XXXX  Dated XX/XX/XXXX XXXX Dated XX/XX/XXXX TransUnion : XXXX XX/XX/XXXX XXXX XXXX Finance ) XX/XX/XXXX
Consumer complaint received 2019-06-20
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. (GA)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.
Consumer complaint received 2019-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

According to the FCra I have the right to ask midland funding to verify the account ending in XXXX because on XX/XX/XXXX midland funding account ending in XXXX was filed with the I.R.S. dept.under a code C which means the account was to old to be reported for payment due.Its canceled debt and has been for 11 months, please verify your account or close your collection from my credit report. -- -- -- -- -- -my 1099-c/1096 form was sent to the c.f.p.b. XX/XX/XXXX by u.s. mail.
Consumer complaint received 2020-02-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: AMERICASH (WI)

I was having a furnace problem that needed to be replaced right away and took out a payday loan with Americash loans in XXXX Wisconsin and was told, if I recommend someone, I would get a reward of {$100.00}, deposited into my checking account, the date of the person first payment withdrawal from their checking account. I recommended a relative, who took out a loan in my presence. The store manager XXXX, told me and my realative, for my recommendation of the relative, I get {$100.00}, deposited into the checking account, the first day of my relatives payment on XX/XX/2020. XXXX, seemed really nice at the time of the loan, my relative took out. But was not being honest and proved the untruths on XX/XX/2020. 
I checked my account for the {$100.00}, on XX/XX/2020 and the {$100.00}, was not deposited into my account. I called the store, and the store manager, XXXX, answered and gave a fake name as XXXX, and stated that they do not deposit money into accounts for recommendations, into accounts and I would have to wait for 10 days to receive a check in the mail. I stated to XXXX, who was not honest about her name, which I recognized her voice from talking to her, the day my relative took out her loan, XXXX assisted her. XXXX, was very rude and I told her my relative was my witness, to XXXX, telling us the {$100.00}, would be deposited into my account. XXXX, was rude, so I asked her for Americash corporate office to file an complaint against XXXX, and the store on XXXX XXXX XXXX in XXXX , WI. XXXX, stated the phone number fast, and hung up on me, before I could write the number down. I had to call back, and ask for the number again to Coporate. XXXX, having calling ID, once again identified herself as XXXX. I asked XXXX for corporate 's number once again, at slower pace. I was given customer service number and spoke wait a supervisor who took my complaint and apologized. I asked she would have a district manager call me. A guy name XXXX, who stated he was the area Manager call me later the day on XX/XX/2020. He was very rude and stereotyped me, which I stated to him, I felt he was being XXXX. I told him, that XXXX, told me and my relative regarding the referral {$100.00}, being deposited into my checking account on XX/XX/2020. untruths and also that XXXX, identified herself as XXXX, XXXX, stated he did not believe me and XXXX has been with Americash for 3 years and she was a good for their company. I told XXXX, since your phones are monitored listen to the call, from my phone to your office, today, XX/XX/2020. XXXX, stated to me since, I stated to him, he might be XXXX  he hung up on me. What XXXX, and XXXX, fail to realize is that, they need customers, to keep their jobs, I recommend, if anyone is in need for emergency money, do not use Americash!
Consumer complaint received 2019-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/19 I called Chase customer service regarding an issue with an account transfer from one checking account into another account that had a negative balance. I am a signer on another Chase checking account, my fathers, but not the PRIMARY account holder and I also have my own chase checking account and Im the primary account holder and have my father listed as signer, as well. On XX/XX/19, my fathers entire SSI XXXX  was TAKEN from his account and TRANSFERRED into my account which had a negative balance. I spoke with the collection department at chase and was transferred to the supervisor and was told, there was nothing he could do and would be willing to refund XXXX, if I was willing to set up a payment arrangement. The account was withdrawn for only 22 days and I called three times asking if they could remove or waive some of the fees - not all but atleast half. I was told no because they waived two overdraft fees 8 MONTHS AGO. I offered payment arrangements on the account and was willing to set it all up immediately, if they refunded the XXXX back to my fathers account since it is his SSI check. They refused and said they can withdrawal at anytime if another account through Chase is negative. I asked the supervisor how this is legal and he said its in the fine print when you agreed to the terms and conditions. I informed him my dad has been with chase for 12 years and he told me that doesnt matter and means nothing. They didnt notify my father or I that they were taking the money and I never received any notification in the mail stating that would happen. I was told they dont have to notify there customers. This is not fair to the consumer and its negligence on Chases part for not having any regard for there customers and/or their situation. An innocent person was affected by my mistake that I was willing to set up payment arrangements to resolve the negative balance.