davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I signed up for a monthly {$19.00} credit check service via TransUnion on XX/XX/XXXX, and canceled the subscription service exactly one week later via their website, which confirmed my account was closed. Subsequent to this, I was charged in XXXX, XXXX and XXXX for an ongoing monthly subscription. I have called TransUnion to dispute this and was told that " I did not successfully finish the process of unsubscribing on their website. '' I told them that I had unsubscribed already and certainly wanted to unsubscribe again, effective immediately. Even at this stage, they suggested I use the website to unsubscribe. When I told them that my login no longer worked, since my account no longer existed, they asked if I was sure that I wanted to unsubscribe and made me confirm this multiple times. This is a scam and it should be rectified.
Consumer complaint received 2018-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, my wife and I opened a savings account at Chase Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, California XXXX. We have had a checking account at this bank since XXXX when Chase acquired XXXX XXXX XXXX, the original bank that opened the account ; our account at Washington Mutual was opened at least 10 years prior to the acquisition. On XX/XX/XXXX we went out of town for 2 weeks. Upon return on XX/XX/XXXX, I had trouble accessing my bank accounts on line and went to the bank branch above for help. I was told that both the checking and savings accounts were closed and could not be reopened due to some difference between the account name and our revocable living trust documents that were submitted when we opened the savings account. The checking account has always been in the name of our trust. The bank said that they sent us a letter on XX/XX/XXXX regarding the account closing that said we needed to contact them before XX/XX/XXXX to keep our accounts open. However, since we were out of town this entire time, we had no knowledge of the closings and no notice until our return. No phone calls or other attempts to notify us in a timely manner were made by the bank during this time. When we returned home and received this letter on XX/XX/XXXX, it mentioned only the savings account and did not mention the checking account at all. The checking account was frozen sometime between XX/XX/XXXX and XX/XX/XXXX for debits, including ACH debits on XX/XX/XXXX to the IRS and California Franchise Tax Board which made our tax payments late and will probably incur penalties and interest. However, my social security deposit was accepted and was posted on XX/XX/XXXX. The bank branch said that a check for the account balances in the amount of {$76000.00} would be mailed XXXX XXXX XXXX on XX/XX/XXXX. However, the check, although dated XX/XX/XXXX, was not received until XX/XX/XXXX. Where was it for a week? This meant that we had no access to our cash for a week. We believe that Chase bank 's actions are at best unethical and at worst illegal.
Consumer complaint received 2022-03-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

My name is XXXX XXXX. I filed a complaint with you back in XXXX 2021 against Freedom Mortgage refusing to let me come out of forebearance and do a loan Modification on my FHA loan. I requested this 7 months ago from them, back in XX/XX/2021. You contacted Freedom Mortgage and then closed my case. I don't understand why you did this. They still wont send out my modification papers. They continue to lie to me, telling me the papers are complete and they are sending them.They told me in XXXX the papers were on the way to me via XXXX, but they never arrived. Then they told me on XXXX XXXX the papers were on the way to me via XXXX, but of course never showed up. Do you have attorneys I can contact to file a case against Freedom Mortgage before they cause me to lose my home???
Consumer complaint received 2018-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

What is this complaint about? 

This is a complaint about my banks refusal to correct an error in a transaction sent via a Mobile Money Transfer. 

What type of problem are you having? 

My bank, JP Morgan Chase, has refused to reverse an erroneous mobile money transfer I initiated to another Chase account holder who is a stranger to me. Chase has full control over both accounts and the ability to reverse the transfer, but declined my request and in effect, is protecting the fraudulent party who they claim has refused to return the funds of {$1200.00}. 

What happened? 

I am a Chase account holder and user of the XXXX XXXX bank-to-bank transfer service. 

On XX/XX/XXXX, I initiated a XXXX payment from my cell phone to my wifes cell phone of {$1200.00}. However, I mis- entered the last digit of her number which resulted in sending the payment to a strangers cell number. I contacted Chase that same day once I realized the error and was provided a claim # XXXX and was told they would contact me soon. 

On XX/XX/XXXX, I call Chase Customer Service, but was told their systems were down and advised to call back within 24 hours. 

By XX/XX/XXXX, I had not been contacted, so called Customer Service again and was told my claim was in process and that Id be contacted within 5 business days. 

As of XX/XX/XXXX, I had not received any call backs or paper confirmation from Chase and I normally do whenever I have issues with my account such as disputes. 

On XX/XX/XXXX, I called Customer Service and asked to speak to the Escalation Dept. and spoke with Sr. Specialist, XXXX XXXX who informed me that another Chase agent attempted to contact the erroneous recipient of my transfer but that the effort to recoup was unsuccessful. He added that the recipient was also a Chase account holder. 

I asked that he initiate a reversal, but he refused. I asked for the recipients name, but he said he could not reveal that to me. I asked to escalate to a Director or VP, but he said he was the final stop for escalation. I asked what other options I have to recoup my money to which he only apologized. 

I requested a copy of my claim details and the notes reflecting Chase efforts to recoup my money, however XXXX XXXX, refused explaining that the claim information was wholly owned by Chase and that I would need to have them legally subpoenaed in order to obtain them. 

XXXX XXXX explained he could not provide any further identifying information about himself including last name, agent or other ID # nor a direct phone number for security purposes. 


Who are the people involved? 
Complaint Issued by : Myself, Chase account holder and transfer issuer Bank : JP Morgan Chase Bank Customer service/escalation : XXXX XXXX Fraudulent recipient : Owner of mobile # XXXX Identity unknown but confirmed to be a Chase bank account holder by JP Morgan Chase
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

I had a HELOC with Wells Fargos that was paid and closed in XX/XX/2016. Wells Fargo continues to report this account to XXXX even after an agreement was made no negative reporting would be done after payment and closure. After several attempts to talk to Wells Fargo, they refuse to stop reporting this closed account credit bureau. 
This account was paid and closed over 5 yrs ago and should not be reported. They report every month dropping my score.
Consumer complaint received 2021-12-01
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am in total distress as to how your companies have handled my credit file. I have contacted several gov websites to ensure that Im not left liable for what your company has done to my credit. I have no control on how a company allows a breach to leak someones personal information and for that I have been led to file a complaint with the FTC along with filing a lawsuit against your company which we will begin litigation and a hearing soon. I have not been so XXXX as to how my file has been treated in the incorrect information that is on my credit file. There are so many errors listed on my credit file and I have sent several certified letters within the past few months and I havent seen any changes so I was forced to take the legal approach. I asked your company more than several times to show me any original contracts that has my signature bearing on to it and I never got a response. Remember its been more than a few months and going on 6 months now. I am looking for answers as to why your company has been not responding to my letters. Can you please explain why this process is taking a few months? I am allowing 3-5 business days to respond to my internal dispute and affidavit. This has been a very long uncomfortable process and I am seriously considering seeking an amount for damages that you have caused {$10000.00}.
Consumer complaint received 2020-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2020-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (IL)

As I'm not aware of why this account is showing up as a collection on my report. I was willing to work with the company to rectify the situation and pay a negotiated amount just to have it removed. The company insisted it was my account and that I have to pay the full amount in order to have it stop showing up as a collection under my social security number. The company was unwilling to work with me but I need to get this matter resolved as soon as possible.
Consumer complaint received 2018-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (TX)

I initiated an Electronic Funds Transfer via Google Pay Send / Google Payments Corporation ( GPC ) on XX/XX/XXXX, in the amount of {$8500.00}, which was debited from my XXXX  XXXX XXXX Checking Account ( XXXX ) on same date. 
To date ( XX/XX/XXXX ) GPC has failed to deliver said transfer to recipient, failed to provisionally credit my account, and failed to refund or return funds to me. 
Additionally, upon my verbal and written notification of error on XX/XX/XXXX ; GPC failed to conduct a timely, thorough investigation ; failed to correct error within 1 business day ; and failed to issue provisional credit for the amount in error, pending completion of investigation.
Consumer complaint received 2022-03-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, am a federally protected consumer, natural person, and original creditor of an open-end credit plan was denied my rights by JPMorgan Chase Bank , N.A., doing business as Chase Bank on XX/XX/2022. Due to 15 USC 1602 ( g ) For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Chase Bank was notified by this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by Chase Bank via electronic mail. I was discriminated against and denied my rights based upon my income. THE NEW PAYMENT AMOUNT IS TOO HIGH RELATIVE TO INCOME, which is a false statement since all obligations to pay my open-ended credit off is to be directed to the United states based on 18 USC 8 . According to 15 USC 1602 definitions of The Truth in Lending Act, I, as a natural person possessing an open-end credit plan was harmed by Chase Bank adverse action taken against me, denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ). Chase Bank is now civilly liable to pay me for damages.
Consumer complaint received 2018-12-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (FL)

I signed up for a {$500.00} payday loan which I just finished paying off. I didn't realize that the interest rate was over 700 % I made 20 payments of {$160.00} which paid back the loan but then I realized that I paid {$2700.00} in interest. 

I would like everyone to know about this.
Consumer complaint received 2022-06-18
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. (OH)

I have a pre-qualified vehicle financing letter for my business, XXXX XXXX for XXXX XXXX XXXX! It was issued XX/XX/2022 by XXXX XXXX. 
As of the XXXX day of XX/XX/2022 XXXX sales representative fraudulently used a report from an unknown source for denial of my grantor extended consumer credit, if my XXXX XXXX  Trust number was used XXXX money was removed this is theft committed by XXXX I never used a fraud credit reporting system because there is not one for a legal mechanism for privacy see 15Usc 1602 Truth in lending, see 31 Usc 9304-9308 authorized bond officials/residential agents REMDEY BY A Competent jurisdiction necessary XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (LA)

My problem is Ive tried to make a payment by phone, all three failed. It took me months of complaining to find out in an email, Quicken/Rocket used a QL  account that I set up at the beginning of the loan in XXXX. I havent used that account in five years and dont remember the password. The point is I never said to use that account, why else would I read off the routing and account numbers? And why didnt they tell me they were using the QL account? Or at the very least verify the numbers? The last time on XXXX, XXXX XXXX ; I was specific to tell her not to use the QL account, but use the numbers I read. But again she used the QL  account I said not to use. Did not verify the numbers or even tell me that she was using the QL  account. Quicken knew the numbers were not correct according to their own email on XXXX. My question is : can Quicken legally lie to the customer and not use the numbers given? In all three times, I was lead to believe they were using the routing and account numbers I gave. Why else would I read the numbers? I feel my rights have been violated by Quicken and am asking for advice. They want me to pay the two late fees of {$35.00}. Had Quicken used the numbers I gave we would not be here. I have asked for the transcript of the phone calls, but they have not shown any evidence at any time.
Consumer complaint received 2020-02-03
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A. (GA)

After calling several offices regarding the charge-off of a 13 year old loan. XXXX XXXX has handed the collection attempts to Weltman, Wheinberg, & Reis LLP and which they sent to their partner law office XXXX XXXX XXXX. I have never heard or seen a letter from XXXX XXXX XXXX in regards to this time-barred loan. Weltman, Wheinberg, & Reis law office hasn't contacted me in years regarding the Loan. I recieved a call from XXXX XXXX  official on XX/XX/30 which was threatening and she did not mention that other Law offices had the loan. I contacted Weltman Etc. on XXXX and they passed it off to XXXX XXXX XXXX in which are the ones to file to sue against me. XXXX stated they were more local. This situation is very manipulative and unethical way to sue a me without prior knowledge. Weltman refused to give any information and I am not able to reach the XXXX group.
Consumer complaint received 2022-03-04
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. (NY)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX XXXX
Consumer complaint received 2020-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FULTON FINANCIAL CORPORATION (VA)

I opened a new account on XX/XX//20, and my ACH opening transfer in the amount of {$25.00} was placed on hold, without notice. I checked online banking and it shows the hold will expire on XX/XX//20, but yet, as of today, XX/XX//20, the hold still remains. Upon calling instutition, was informed the hold, which never should have been placed, will not be removed until XX/XX//20.
Consumer complaint received 2022-06-18
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. (PA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct XXXX XXXX XX/XX/2018 has violated my rights.

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
Consumer complaint received 2018-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

I would like to address this to XXXX XXXX - the bank currently in charge of the XXXX XXXX store credit card. To date, in XX/XX/XXXX alone I have been charged {$54.00} in late fees and {$10.00} in interest. To explain, I set up this account in XX/XX/XXXX and was making monthly payments. Then I set up automatic payments through my XXXX Checking account. This was an option available on the XXXX XXXX website. I have used automatic payments for my XXXX XXXX in the past and my XXXX Checking account successfully. However, when connected with XXXX XXXX somehow my payments failed to go through and a late fee was automatically charged. A reminder to pay my account was sent only after a late fee had been charged. Then, on XX/XX/XXXX they contacted my father regarding these payments, giving him authorization to my personal financial information. ( Something I do not have an issue with ) However, what I did find an issue with is when he attempted to a ) make any payment toward the account or b ) pay the account balance entirely and close the account he was not given authorization.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WV)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.
Consumer complaint received 2018-04-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Direct Recovery Services, LLC (MS)

On XX/XX/XXXX and XX/XX/XXXX this company contacted multiple friends and acquaintances leaving messages implying I had a matter that required counsel and would be reflected on my record. After contacting the company on XX/XX/XXXX and telling them not to contact anyone in reference to my self or my wife they continued with the threatening robot calls to everyone. To this date this company has not sent a single letter or contacted us directly. They are calling friends and acquaintances that we have no idea how they associated us with along with other family members. When the rep came on the phone she stated this was in reference to a bank account in Arizona we closed over 6 years ago in good standing. She then made threats to proceed with further action if we failed to pay right away. When I told her to please proceed she threatened to have us sued or charged criminally for a debt she has yet to validate of XXXX for a bank we have not used in years and is not reported on our credit report. As I asked her for information to send correspondence she hung up the phone for the second time. We called back and were repeatedly hung up on.