davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NJ)

I have two Chase checking accounts : 1 ) Chase Premier Plus Checking which I'm the sole owner ; and 2 ) Chase Total Checking which I jointly own with my wife. Starting from XX/XX/XXXX till now, Chase mistakenly charged a monthly fee of {$25.00} for my Chase Premier Plus Checking account for a total of {$350.00}, even though my two accounts have a combined balance of ~ XXXX XXXXXXXX and have never fell below XXXX XXXX which is the minimum threshold to avoid monthly fee. 

I called Chase on XX/XX/XXXX after I accidentally discovered the charges, but they only agreed to refund {$25.00} with {$320.00} outstanding, and claimed that these two accounts can not be linked and thus the combined balances didn't count, despite the facts that 1 ) I have ownership of both accounts, and 2 ) these two accounts are linked in my mobile app with the same login credential. In addition, they did not explain why they didn't notify me when and why they were going to start charging fees. These are deceptive hidden fees to consumers, and many other consumers may experience the same situation. I'd like to submit this complaint to urge Chase to look into its broken process that harm customers, refund me {$320.00}, and refund other customers fees charged for the same situation
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I need to open 2 chargeback request for 2 transactions made with my XXXX debit card ending in XXXX... 
I tried to reach the bank but all the phone numbers they provide are not working, the phone calls can not be completed. 

Transaction 1 : Purchase made on XX/XX/XXXX, XXXX XXXX XXXX, must be delivered to my address on profile XXXX XXXX XXXX, XXXX  XXXX, XXXX, PA XXXX on or before XX/XX/XXXX Transaction 2 : Purchase made on XX/XX/XXXX, XXXX XXXX XXXX, must be delivered to my address on profile XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, PA XXXX on or before XX/XX/XXXX I tried to reach the merchant several times by telephone and email. They never answered and also never provided any kind of shipment information like tracking number or delivery confirmation.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. ()

i have this problem with chase bank i have a saving account but i havent use it for long time so when i try to use it i call and they told me that my account is inactive and that they send a letter notify me but i never recieved one so they want me to step on a branch but i cant go i live in XXXX and i just came out of a XXXX and i really need to have acces to my money because i need to continue with my medical treatment plus i need help to get access to my online banking because i need to updated my contact information
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

In XXXX a discover card was opened in my name, in XXXX I discovered this information and called the police and made a report. I also filed a report with the FTC as instructed by the police and sent a letter to the credit bureaus. The results were the account was removed form all reports. In XXXX of XXXX Experian put the account back on my report after calling them I was told I'd have to restart a dispute process. I am in the middle of closing on a home and this is an account that never belonged to me nor did I give anyone permission to open for any reason and was already removed from my credit file. Please help me as this could cause me a great setback. Below is a copy of the letters sent to Experian.
Consumer complaint received 2021-02-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (GA)

Discover Financial services calls my work no. repeatedly during the day. This has been going on for over 3 months. The calls are from XXXX Here are some of the dates/times they call : XXXX XXXX, XXXX - Mon XX/XX/21 - XXXX, XXXX, XXXX - Tues XX/XX/21 - XXXX, XXXX, XXXX - Wed. 
XX/XX/21 - XXXX, XXXX, XXXX, - Thurs. 
XX/XX/21 - XXXX, XXXX, XXXX - Sat. 
XX/XX/21 - XXXX, XXXX, XXXX - Sun XX/XX/21 - XXXX, XXXX - Mon. 
XX/XX/21 - XXXX, XXXX, XXXX - Tue.
Consumer complaint received 2022-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (MN)

Hello, During the COVID-19 crisis, I made over {$15000.00} of payments towards my student loan and now it's looking like I will be laid off shortly. I need to retrieve my last 8 payments made within this last calendar year to make sure I have money if I'm unemployed. I tried contacting my loan servicer Aidvantage, and it took 2 hours to get a hold of someone and they hung up on me mid-call. This happened again 45 min later .... Then the automated machine would simply end my call. This was all during business hours! I finally got a hold of someone again after being on hold for 2 hrs and 13 min and made my request. They said there wasn't anything they could do and they'd follow-up, as they need 6 weeks of approval time! Why would my money take 6 weeks to get back to me and possibly be denied on top of that?! The law is clear, I should be entitled for repayment of my payments made after XX/XX/XXXX. Aidvantage is not cooperating with me. This was all requested on XX/XX/XXXX and I have left them several emails, only to be ignored. The emails were sent XXXX XXXX.
Consumer complaint received 2021-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

InXX/XX/XXXX we were entered into a forbearance by Bank of America. I continued to make payments though abd called each month to make sure payment was received. Each time I was given a current paid to date. Fast forward to XXXX, I received a statement with an amount due of XXXX. They reversed all payments beginnng in XXXX stating my bank rejected the payment. I called and was transferred about 6 times finally ending up with an account manger. He advised my online access was suspended when I was put on forbearance, yet they credited every payment until XXXX. So now they put us in danger of now losing our home? Yes feel as if they are acting on fraud to collect fees. Im upset as I am still unemployed. I need guidance on what to do.
Consumer complaint received 2022-09-02
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)

On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidence as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2020-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Date : XX/XX/2019 Company : Portfolio Recovery Original Creditor : XXXX XXXX XXXX Original Balance : {$5200.00} Action taken : I filed a dispute with Portfolio Recovery The dispute ended XX/XX/2019 Result : Portfolio Recovery declined the dispute request
Consumer complaint received 2018-05-29
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. (CO)

I have contacted the company and the credit bureau several times and advised them that this is not my account. This account is not listed under my social security number because it, it not my account. It should not be on my credit report. I would like this inaccurate information removed from my credit immediately.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (SC)

I received a letter telling me I earned {$200.00} in interest on my checking account, This is not true at all, so I contacted the bank and they confirmed I did not earn any interest in 2022. This is Wells Fargo bank and I feel like I am not the only one to get this letter and they are trying to make me say I earned interest when I didnt. This letter I received is an official tax document.
Consumer complaint received 2022-09-02
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. (VA)

- In accordance with the Fair Credit Reporting act XXXX XXXX, inc # XXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-02
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
Consumer complaint received 2023-01-26
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. (FL)

I received a copy of my credit report and noticed a company I had no dealing with. This company XXXX XXXX XXXX - XXXX - I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. Please delete this account immediately
Consumer complaint received 2023-01-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (WI)

The car dealership charged me for a insurance that was supposed to be peyed back from Wells Fargo at the end of final payment never got any thing at all except a big run a round I'd like to get the money owed to me back
Consumer complaint received 2022-09-02
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-02-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

In the response to my prior complaint Mr. Cooper supplied misleading information to the cfpb in relations to denial XX/XX/0706 when they had in their records that they haven't TIMELY received documents. I have a document dated XX/XX/0606 that is almost a month prior to the denial which would have accompanied other records as well because I had to get ANOTHER copy because Mr. cooper told me verbally that they didn't have that information as well. Two Documents in relations to a modification to get me back on my feet to get me gainfully employed and out of my pitfall but at every attempt this company seems to do everything to prevent me from accomplishing assistance
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experians has a few items on my report that are not correct or updated as follows : 1. XXXX XXXX XXXX   credt card balance is incorrect should be XXXX.

2. XXXX XXXX XXXX  credit card balance is incorrect should be XXXX.

3. XXXX XXXX XXXX  credit card balance is incorrect should be XXXX.

4. Reporting a post office box address is undeliverable for mail in my credit file.
Consumer complaint received 2021-11-21
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: EQUIFAX, INC. (CA)

While checking my most recent report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This violation of the XXXX XXXX XXXX XXXX Section XXXXb ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and prove me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section XXXX.
Consumer complaint received 2020-06-06
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. (IL)

I have previously disputed my bankruptcy with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response which was sent you you multiple times stated the opposite. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens bank stated that I owe them the amount of {$470.00} on the date of XXXX XXXX. I would like to get this disputed due to the fact I told Citizens Bank that I was scammed and Citizens Bank referred me to a Top Tier Worker and they said give them time for investigation. The problem still was not resolved and it's going on a Year. I go to another bank which is XXXX XXXX XXXX XXXX I go to open a business account and the XXXX XXXX stated that I can not get a business account due XXXX XXXX XXXX XXXX. 
The Address is ( XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ) which is a credit Union I go to open a business account and the credit union stated that I can not get a business account due XXXX XXXX XXXX XXXX. 
The Address is ( XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ) which is a third-party company that have my information without my consent. Also giving out false information. That {$470.00} was not me. 
I was scammed I would like this disputed. I would like the amount of {$470.00} to get exonerated immediately before I get law involved. 

Thank You!
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc. (FL)

Advcollbur {$360.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Advcollbur Opened XX/XX/XXXX - {$410.00} Original creditor : XXXX XXXX XXXX AND ANY OTHER COLLECTION ASSOCIATED WITH MY NAME AND SOCIAL PLEASE REMOVE, THEY DO NOT BELONG TO ME ATTENTION DISPUTE DEPARTMENT Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XX/XX/XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-11-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I opened a new account online on XX/XX/2020 and deposited my stimulus check. It cleared and I made 3 XXXX transfers to my fiance account. By XX/XX/XXXX my account was blocked due to either recent activity on account or not providing information requested. When I called I was told they needed 2 forms of identification or account would be closed. Before I could go to branch my account was closed and I was told from customer service that my remaining balance of {$260.00} would be mailed to me within 10 days. That was on XX/XX/2020. Today is XX/XX/2020 and still no check and no news from Chase Bank on status of check.