davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX my car was broken into and my ssn card, DL, Debit card was stolen. Contacted police made a report with the XXXX Police XXXX # XXXX in TX. I called Chase bank to report my debit card being stolen. XX/XX/XXXX Received a call from Chase Bank in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX phone XXXX with XXXX XXXX. She stated if I am trying to make a deposit I stated no I am at home she said you are not tryting to deposit $ XXXX and make a $ XXXX withdraw I said " NO '' she made statement that someone is in drive thru trying to make deposit she alerted police. I told her not to process check. The criminal managed to flee the scene. I immediately called 1800 chase number to confirm the call was not also fraud they stated they were contacted to at this time they will make an investigation. I offered incident report with police on each call I have made after this day no one wanted to take it. I walked into chase bank institution the following day said what do I need to do. They advised to open new account while other will be investigated. In the course of the 90 days I had Chase bank do their own 3 attempts of misc withdraws from my new account to make old account positive. Which I was told the old account would be restricted. Several mistakes have been made if you look at the check my name is mispelled, no signature, I did not have $ XXXX funds in account to have that withdrawn. Chase bank has been negligent in allowing the check to process, seeing that I report a stolen debit card this did not alert them to process the check. Chase Bank has consistantly turned my new account negative for days then crediting it back. I have been in contact with Fraud department, recovery department, claims dept, research dept and customer service no one is able to assist me nor give me any information. They all state the its the other department resposible. I been left without answers without assistance and to this day my account stands negative. The instution has video footage and phone call recording yet they are still after 90 days are unable to make a resolution to the investigation. They closed my account after 90 days to make the negative account positive and instead of sending me to collections they tapped into my new account and will buy them an additional 90 days to find a resolution. While I stand here at a negative account as a single mother with XXXX children. All my utility bills are coming back stating my account has been declined. Monday is XXXX the bank will be closed I spent all day the bank today without able to get a temporary credit as they continue their investigation. This error also happened the day before XXXX holidays leaving me and my children on an American Holiday at negative account for days. The bank has been negligent with several errors and left me in the dark.
Consumer complaint received 2018-09-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

for the last 3 months, Portfolio Recovery has been calling my place of work harassing me and not willing to remove my work number, my employer has found out and is taking action against me for having non-work related phone calls at work. Personal phone calls are not allowed. I never gave the collector or anyone my work number
Consumer complaint received 2019-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I AM REQUESTING THE REMOVAL OF MY SECURITY FREEZE FROM MY CREDIT REPORT. THIS IS MY THIRD REQUEST TO HAVE MY ACCOUNT UPDATED PROPERLY. THERE IS AN ACCOUNT ON FILE FROM XXXX   XXXX XXXX. ( XXXX ) NOT SURE HOW THEY GOT THIS ACCOUNT IN THEIR OFFICE IT OBVIOUSLY WAS NEVER VERIFIED BECAUSE THEY WOULD HAVE SEEN IT WAS A FRAUD COMPLAINT ALREADY FILED AGAINST THE ACCOUNTS. PLEASE DELETE BOTH XXXX # XXXX, # XXXX. I have attached a copy of my current and only address from the DMV print out as PROOF of my ID and address. I am addressing this issue to all 3 credit Bureaus.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

The following inquires were listed on my credit report with out my consent. I requested each bureau the original alleged inquiry application and was not provided the documentation for my request. 

XXXX. XXXX : XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX - Equifax XXXX of Wisconsin XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX
Consumer complaint received 2019-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2019, I was charged 3 {$34.00} insufficient fees. When I checked my account at XXXX XXXX on XX/XX/2019 I had my direct deposit pending in my account that more than covered the purchases that I had made on XX/XX/2019. I even transferred {$100.00} to my savings account because I had a positive balance at XXXX XXXX on XX/XX/2019. When I checked my account again later that day I found I had a negative balance of ( {$16.00} ) because of the 3 insufficient fees. I called Chase and the customer service representative said that the vendors collect their funds at XXXX the prior day ( meaning XX/XX/2019 ). I told the representative that this had never happened to me before and at XXXX XXXX  XX/XX/2019 I had a positive balance and able to transfer money. So if the vendors collected money at XXXX XX/XX/2019 how was it possible to do what I had done? However, I was able to get two of the three insufficient fee of {$34.00} credited back to my account but not the third.
Consumer complaint received 2019-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (AL)

Santander Consumer USA receives my auto loan payment each month as agreed but has been reporting to the three credit bureaus since approximately XX/XX/2017 that the account was charged off. I've contacted them by phone and mail but they refuse to help resolve this issue. It has caused negative credit consequences for both myself and the co-borrower on the same account. The three most current statements are attached.
Consumer complaint received 2023-08-13
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: Kikoff Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX bank Account # : XXXX. In addition, I do not recall being late on my XXXX account all my payments were paid on time and never late. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) X1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Consumer complaint received 2019-01-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OK)

The complaint is about Wells Fargo home mortgage added a repossession of an automobile to my mortgage balance. That the balance of the repossession was added to my mortgage balance. This happened last year and I wasnt notified. The company is Wells Fargo. Myself and Wells Fargo. I would like to know if I have a class action lawsuit against with Wells Fargo and if I can have my mortgage removed from Wells Fargo without refinancing it. My mortgage is a VA loan.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter on XX/XX/18 requesting XXXX XXXX XXXX XXXX to validate charge off of {$8600.00} and of another amount of {$5700.00} with similar situation. Never received a letter in regards to validation. A copy of the letter is attached.
Consumer complaint received 2023-08-12
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: CREDIT ACCEPTANCE CORPORATION (FL)

XXXXDisputed account but didnt remove for XXXXXXXX XXXXDisputed account but didnt remove for XXXX CreditAcpt-disputed but didntb remove for XXXXXXXX XXXX-Disputed but didnt remove for XXXX
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been trying to get my credit report properly investigated because their are accounts that have been open fraudulently. 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. I have no knowledge of any of these accounts.
Consumer complaint received 2023-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (DE)

1. The account is registered ( deactivated ) in XXXX, and the payment terms of XXXX are applicable. Square binds customers to its XX/XX/XXXX updated payment terms. 
2. Your email customer promises to review and release within 90-120 days. You broke the contract without any results. 
3. The account did not trigger the 12 items you mentioned ( no customer refunds or disputes occurred ) 4. The account was delayed for 2 years. You did not contact the customer to propose a solution midway and deliberately delayed the process. Instead, after complaining to XXXX XXXX XXXX, it will be " permanently retained '' and based on your company 's payment terms XXXX ( it does not indicate that you have this authority ) ( or trigger Article 12 ) ) Summary : Square Company complained that the manager abused the terms, breached the contract at will, bullied consumers, and deducted customer funds at will. It is hoped that the relevant financial departments will intervene to investigate Square.
Consumer complaint received 2019-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

XXXX XXXX has made attempts to collect this debt before and was resolved as not our debt. Now they are using Diversified Consultants to re-open this closed matter. Diversified Consultants has never contacted us in any way concerning this matter. While checking my credit report I saw this derogatory collection. I have brought to their attention over 60 days ago without resolve.
Consumer complaint received 2019-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2018 XXXX XXXX charged me {$1100.00} for moving services. It covered moving with insurance to cover damage. Damage occurred and the company did not cover it. After contacting the company several times to resolve the issue. I contacted Chase to file a claim to return my funds due to XXXX performing part of the full service paid for. Chase incorrectly recorded I was not happy with the services instead of what happened and influenced Visa 's decision to not return my funds.
Consumer complaint received 2019-01-19
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: SYNCHRONY FINANCIAL (AL)

XXXX has possibly made an account that was not requested by me that showed up as a hard inquiry on my XXXX XXXX report. I just got XXXX XXXX  a few days ago and it showed this XXXX account was created on XX/XX/2018 which I did not initiate.
Consumer complaint received 2019-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Total Card, Inc. (TX)

I have received a letter from the company Total Visa. I do not have money to have the letter notorized. The reason for the letter is that I have disputed the XXXX XXXX XXXX. I did agree to a trial from XXXX XXXX. but the service was not great and I did not agree to continue services. The sent me a email saying my account was suspended. The company has refused to accept recognition of that email and does not want to refund my account The company is XXXX. The company that needs the notorized letter is total visa. Please let me know if you need additional information to proceed with the dispute.
Consumer complaint received 2019-01-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (AR)

My husband and I are XXXX veterans on a fixed income. And, because we only get paid at the beginning of each month, that is when we sit down and pay our bills. By the end of the month, there's no more money until the next month. 

When we pay bills, especially if it is a credit card, we take the minimum due and round it up to the nearest 100 dollars like so : XX/XX/2019 ACH Transaction - Synchrony CHECK PYMT XXXX ACH Debit On XX/XX/2019 at XXXX XXXX, Synchrony ( XXXX ) called to collect on a debt. It was an automated call, so I hung up and called back to see who the call was coming from. So, I ignored the next four calls : XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX, then again XX/XX/XXXX at XXXX XXXX. 

After confirming payment went through the bank ( above ), I called them back at XXXX XXXX and after the automated system confirmed payment and that the next payment due was not until XX/XX/2019, I stayed on the line to speak with a human. I flustered the young man who took my call. So much so that he agreed no more phone calls, but I could not get anything else out of him, so I hung up on him. That call lasted 7 minutes and 36 seconds. They record all of their calls. I suggest you get a copy of the call. 

I informed the young man that if a company accepts payment - of which they are claiming was a partial payment of which I strongly disagree - whether it is the full amount or not, if the company accepts payment, they can not expect more money before the end of the billing period. The young man did not understand other than to agree to put a note on my account not to call again. 

But that is not the problem. My bill came in under {$200.00} and now they're wanting another {$380.00} BEFORE XX/XX/XXXX. However, the automated system is not asking for that amount until the due date of XX/XX/XXXX.
Consumer complaint received 2019-01-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CT)

I have now applied for a lower payment 5 times. My last time I applied for a recalculation, they actually increased the payment by another {$50.00}. So now it is {$180.00}. Why in the world we they increase the payment when I stated I can't afford a {$130.00} per month? 

Well, I called last week and got a honest rep on the phone who told me the truth ; evidently Navient falsified my grow income and " certified my income at $ XXXX/year. I didn't make {$32000.00} a last year. I haven't made that kind of money in over 5 year plus year. 

At best my AGI will be somewhere around $ XXXX after all the medical expenses and other deductions. That same honest rep did acknowledge the gross error and advised me to again resubmit my information after I did my taxes. That's another 3 months out! Whoever that did the review completely ignored all my actual information that this honest rep acknowledged was indeed received and should have been reviewed. 

I supplied Navient with my last bi-weekly paychecks from both employers and even a spreadsheet of all my medical expenses ; they still made a total mess of the recalculation. The rep wanted to put me into another forbearance and claimed that I he couldn't do a deferment over the phone for my Federal Loans that Navient took over. I refused the forbearance. So now the clock is ticking on defaulting because of the dangerous game Navient is playing with my finances. My actual gross is {$27000.00} before deducting the {$2300.00} in medical expenses. Please intervene.
Consumer complaint received 2019-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

I refinanced my mortgage and paid it off in full on XX/XX/2018. Rushmore Loan Management is the servicer, and did not apply the payoff until XX/XX/2018, which is also the day they collected an additional biweekly payment on my loan of {$1500.00} Post final payoff value in XX/XX/XXXX, Rushmore collected another biweekly payment in XX/XX/XXXX for {$1500.00}. That makes two {$1500.00} payments + the extra amount they quoted to the Title company to " ensure the amount is fully paid '' which together all three of these is now {$4900.00}. 

I called them on XX/XX/XXXX or so to find out when I can expect to receive my {$4900.00} refund and was told that their company " policy '' is to wait a full 20 business days, or rather ONE FULL MONTH to begin processing my refund. I can not believe that is legal to just sit on my {$5000.00} for a month before doing anything after they already acknowledge that the mortgage is fully paid and they have my money sitting in a suspense account and they placed the overpayment into an Escrow account. The sum of the two is the {$4900.00}. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-20
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: Experian Information Solutions Inc. (GA)

Hello, I am writing this dispute in reguards to a credit report on a XXXX XXXX Account. On XX/XX/XXXX I wrote to all 3 credit reporting agencies on a problem about this account. Now within 30 days I get back that all 2 stated that the loan was verified but 2 stated that everything was correct and verified which were XXXX  and Experian. Now Experian states as of XX/XX/XXXX there was no data to be reported but XXXX  stated there was 120 days late reported on my report. Now between these two reporting agencies there is a mix of information but nothing correct. XXXX  wrote back removing that account because they could not verify the account but the other two stated it was verified. I wrote XXXX XXXX about this matter and ask them to provide proof of said account. Well the time they said has come and go and I also wrote them another letter with no response. The more I piece this all together is that Experian and XXXX  did not verify the account as they claim. I demand to see Verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the account in question. Your failure to positively verifiy this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me verifiable proof, you must remove the account.
Consumer complaint received 2019-01-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

XXXX XXXX has committed fraud on my XXXX XXXX account that I paid in full, {$320.00} before the due date XX/XX/XXXX ( see account statements attached ). 

XXXX XXXX staff did not process my payment until XX/XX/XXXX forcing a late fee and interest charges. 

XXXX XXXX continues to assess late fees and interest charges on my account even today! 

My XXXX XXXX billing statements arrive on our about the XX/XX/XXXX of the month, and my payments are mailed by the XX/XX/XXXX of the month. No way are my payments late unless XXXX XXXX decides no to process the payment and therefore committing fraud by assessing late fees and interest to customer accounts! 

XXXX XXXX has wonderful merchandise but the credit card company, XXXX XXXX, continues to commit fraud against customers, me! My credit scores are being affected by the fraud committed by XXXX XXXX! I want XXXX to reverse the late fee ( s ), interest charges, then, send to me a statement with a XXXX balance on it by XX/XX/XXXX. 

XXXX XXXX is relentless! Please stop them! 

Here is a contact person for XXXX XXXX ( i.e., Attn : XXXX XXXX ) at XXXX. XXXX XXXX, XXXX, Ohio XXXX.
Consumer complaint received 2019-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I had an XXXX XXXX card wasnt working for a couple of months hired a company to pay my credit cards off to negotiate lower interest but they stop paying my card for about 4 or 6 months and that really affected me I had to clue the would do that. 
I would like the late fees removed from my credit since I was paying the other company on time. 

I also had synchrony bank card limit of XXXX or care credit same card the company I was paying to pay them off in lower interest didnt need pay them got 4 or 6 months and would like those late payments removed.