davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

Chase Business Checking, I have received a email states that my account has been overdraft. I have noticed that XXXX check has been cashed, it was an unauthorized check, a fraud transaction. I reported to claim department, I spoke with two person in claim department in 5 minutes. Both person from Claim Department told me that " under my investigation your request has been declined '', " Chase do NOT have any thing to do to recover your lost amount. Suggest you contact the check cashier, or report to police ''. At the same time, because of the Fraud transaction my account has been overdraft 3 times, get charged $ XXXX $ XXXX $ XXXX {$100.00} fee. Total loss $ XXXX $ XXXX {$800.00} with out any reason. 

Complaint : 1. How does Claim department do " investigation '' in 2.5 mins, ( 2 person 2.5 mins each ) and get a result " decline ''???? What kind of " investigation '' has been done??? It is not a " Investigation '', they just looked the account, did n't even know what happened. 
2. I had stated that the check have some problem, it has been deposit before check issuing date. It is a very obvious evidence -- -- it is a Fraud transaction. The " Investigator '' said he did not look the date, and do n't matter when the check has been issued.??? Why??? 
3. Chase refuse to refund the overdraft fee, because of the refund have a " limit '' and the fee charge to account do n't have limit. Then Chase can keep more profit from Fees.
Consumer complaint received 2024-02-15
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. (TN)

Mailed three letters stating I'm a victim of identity theft with police report and FTC report filed multiple disputes on all three credit bureaus called spoke to the branch directly let them know of the situation demanded it immediately be taken off of my credit report and deleted published all necessary documentation of FTC report and filed a police report still nothing done it is affecting my credit and stopping me from purchasing a home. It was a bad check for XXXX that was fraudulent and I was unaware of in 2022 due to the fact of identity theft and fraud
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Your company is in violation of my right and if this is not resolved i will be seeking litigation. you guys allow this frauduelent account to be reinserted back on my credit report after deleting it after i attached a ftc report and a police report.
Consumer complaint received 2020-11-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Till this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. On Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand this account to be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

Chase bank sold my mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added {$75000.00} to my loan for delinquent payments. I was in modification with Chase for 5 years, and 5 different modifications. When we were just about to complete, they sold to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX then billed me for {$80.00} something XXXX. After months of disputing since I did n't know who in the XXXX they were and did n't know my loan was sold, they tacked all this money on my loan and ruined my credit. As you know, when your in a modification, Chase would not accept payments for all the years. I do not think they have the right to do that. I was XXXX years old and completely used by them. I am now XXXX and will never be able to pay off the loan. My loan balance at the time of starting the modification was about {$1300.00}, PITI. Now its the same with a lower interest rate, but {$75000.00} more and I will never pay off my home.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2015-12-01
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY (FL)

Credit card transaction was declined inappropriately. We called Wells Fargo to explain reason for declination. They stated that, due to increased fraud activity during the holidays, it was bank policy to decline all credit card or debit transactions. We rep also stated to us that she was required to tell us that this procedure was " for our protection ''
Consumer complaint received 2016-03-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION (TN)

When I had my mortgage with Ever Home. I entered into a repayment plan to bring my account current and to keep me from losing my home. When I entered into the agreement I was told that they would be helping me and that my credit would not be affected. While on the repayment plan I made every payment on time but they reported me late every month which had a devastating effect on my credit
Consumer complaint received 2016-12-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (MD)

I " had '' a Chase checking account in XXXX of 2016. My Chase debit card was stolen and used and there were unauthorized purchases made all over the nation within less than a month. There were over XXXX transactions done in a matter of a few days.Once i attempted to notify chase that this happened they proceeded to file a claim, i notified them that i am in the XXXX and am soon to be XXXX and would not have access to check the status while away. The representative was then assuring me that i need not worry and that they have a fraud department that handles these types of situations and if anything i will receive a " provisional '' credit within XXXX to two business days. I submitted the claim and 30 minutes later received an email saying my claim was denied. i rushed to call to find out why and the representative notified me that there was a single transaction ( out of the XXXX transactions ) that was not filed in the claim and proceeded to end the dispute at that point. I then notified her supervisor that the missed transaction was not my fault and was a simple mistake of the previous representative due to a large amount of transactions within the week, and i clearly stated from a certain date until the present date were fraud so she understood and refiled the claim but notified me that because of the previous denial it would be more likely to be denied again but she included the transaction that were missed and put notation on the claim of the error. the following day i received an email stating that it was denied again, i then called to question and was told it was because of the first denial.
Consumer complaint received 2023-03-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

You discriminated against me and did not approve my application requesting to extend credit meaning you failed/never tried to make me a counter offer. Now I'm very aware that the credit score is a factor, but it isn't the determining factor as I'm being told it is. I've submitted an application, pursuant to 12 CFR 1002.2f, to extend my credit to me. This, to my understanding, was to be treated as a consumer credit transaction ( 15 USC 1679a ( 2 ). Being that I am an applicant pursuant to 12 CFR 1002.2 ( E ) I'm requesting an extension of my credit. How can I lawfully be denied extension of my own credit? 12 CFR 1002.2 ( h ) defines Consumer credit as credit EXTENDED to a natural person primarily for personal, family, or household purposes, in this case a car. Fact, this is a violation of 15 USC 1611 being that CAPITAL ONE AUTO FINANCE gave me false information. You are willingly and knowingly denying me extension of my own credit. CAPITAL ONE AUTO FINANCE has DISCRIMINATED against myself with an adverse action. Credit is the right granted to me under law 15 USC 1602 which Congress has set into place to protect the consumer. 15 USC 1681a, 12 CFR 1002.7 denial is an adverse action under congresses definition not mine. Congress not myself explanation of ACTIVITIES CONSTITUTING DISCRIMINATION says it shall be UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANTS WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION. 15 USC 1691 the law is clear on this and Congress placed these laws to protect the consumer from Discrimination and unfair banking practices. CAPITAL ONE AUTO FINANCE has continued to be willfully negligent and noncompliant on this matter. Corporation policies do not supersede law. This could lead to criminal liability and civil liability for CAPITAL ONE AUTO FINANCE if chooses not to rectify this matter which is in the best interest of CAPITAL ONE AUTO FINANCE. I being the card holder as defined by 15 USC 1602 have received no benefit from this matter which under 15 USC 1602 ( p ) you have unauthorized use of this card. Adverse Action against a consumer is against the Law according to the Equal credit opportunity Act which is codified in 15 USC 1692 and is pursuant to civil liability under 15 USC 1692k. 
Since the letter you sent me dated XX/XX/2023, is both proof and evidence that I have been discriminated against, you are also criminally liable.
Consumer complaint received 2015-05-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

Our mortgage was bought by Carrington Mortgage Services from Bank XXXX.  They are telling us that there is a late fee from Bank XXXX.  They can not tell me when or why I received this fee.  I asked them to wave this fee because they can not tell me why or when I received it.  They refused.
Consumer complaint received 2023-03-17
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. (KY)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY 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 XXXX XXXX
Consumer complaint received 2015-10-19
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (MD)

On Friday, XXXX XXXX, 2015, at approximately XXXX I received a call from XXXX in reference to restructuring my credit card interest percentage to a lower rate based on my superior credit score. The suspect stated that they had my account information up on the computer and I needed to verify the card information and personal information to make sure I am truly the card holder. They first started with my date of birth, then proceeded to ask for the security code on the back. Next, he asked me for the card number itself. For each of the questions he asked for, I provided erroneous information, knowing that this was a true scam. Once he asked me for the information again, ( apparently my information could n't be confirmed XXXX I then told him that there was additional information on the back of the card and asked if he wanted me to read it to him. Eagerly, he stated, " Yes! Please! '' I read, 'I am not XXXX! '. Immediately, I heard an extension pick up and another male voice screamed that I was a " mother XXXX '' and my he was going to XXXX my mother ..., etc. You get the message. I requested that we should meet me to go over my account in person. He rudely declined the offer. Obviously this was a scam that I hope you can bring this kind of XXXX to justice. I am willing to testify to the conversation and will support any kind of prosecutorial investigation that your agency is committed to. It is my belief based on the persuasiveness of this individual that many elderly people will be victimized by this scam.
Consumer complaint received 2022-02-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Mark A. Kirkorsky, PC (AZ)

In XXXX of XXXX my fiancee and I returned a vehicle due to not being able to afford the payments. Later that year the started garnishment on her wages. That stopped when she went out of work due to the pandemic. In XXXX of XXXX the company seems to have hired a law firm to collect the debt. They have now started garnishment of my wages without contacting me but did so by contacting my employer. I have received no ability to contest and no amount they are trying to aquire. They will not receive or return my phone calls. They just take 25 % of my wages without any communication. I have attempted to contact the states attorney generals office but also with no return information. I can seem to get no answers about what I can do.
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (DC)

PayPal has been repeatedly debiting my account and claiming that I still had an outstanding balance of {$510.00} even though I have provided evidence via a transaction statement from my bank that they have deducted the amount in question from my bank account on XX/XX/2021. They have refused to resolve the issue, despite telling me where and how to send evidence and my having complied. They continue to debit my account despite provision of evidence of the alleged amount being satisfied in full. This has resulted in excess fees through my bank.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (AL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2020-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

I have been fighting with Chime bank about my {$14000.00} and that was my rent money and someone stole my debit card and used it and stores and places and I couldnt even use my account at all and thy aint trying to get my money back for me and I started fraud claims at location that card was used and money was sent back but I cant get none of money and they aint trying to help me
Consumer complaint received 2016-05-20
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (IL)

In XX/XX/2007 I was a XXXX and make my way into the world. I started looking for schools to continue my education and ensure a healthy and stable future. 

My search abrubtly ended when I was called by a recruiter from XXXX XXXX XXXX. She spoke with a manner that invited and ensured me of a successful future of my dreams. 

Needless to say I 'm sure she talked a lot of XXXX year old XXXX young men into committing to what has been the biggest mistake of my life. 

The admissions process alone was worse than buying a car with the amount of lectures and pushy tactics, not to mention the mountains of paperwork they pushed onto me. 

I lasted a year before the lack of education finally took hold. The instructors ( definitely not professors ), could hardly XXXX, much less teach XXXX XXXX XXXX. 

Upon the utter dissapointment of leaving without even a certificate of any sort, and ontop of the fact all of the credits earned were worthless to other accredited institutions, I had learned just how much a single year at XXXX cost .... over {$27000.00}. 

It is now almost a decade later and I owe a little over {$13000.00}. This means nothing to XXXX XXXX or whoever else has interst in these loans because they harass every hour they are allowed, every day they are allowed. They have no reasonable customer service and the negotiations I have attempted to make have been laughable at best on either side. 

I sincerely hope action is taken to prevent these types of institutions from preying on the youth of this country, by selling dreams they can not make and promises they can not keep. 

I also hope thay many learn from these types of experiences so that one day, if they are faced with a similar situation, they can identify it and save themselves from over a decades worth of headaches. 

Who would 've thought that pursuing the American Dream could turn out to be such a nightmare. 

Sincerely, XXXX
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2015-10-19
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CO)

i disputed charges on my credit card XXXX. and over the last year chase took the money and gave it back XXXX in my favor several times ) its unknown if they collected the money from the merchant, or just found in my favor and returned it, but i was sent a letter from chase stating the decision was " permanent '' and the decision was rendered " final '' meanwhile while chase was making that decision in my favor, i chose to take the merchant to small claims court to recover my personal losses + the money chase bank had recharged me ( since this was a period when the put the charges back on my card ) by the time i actually went to court chase had rendered the decision above & refunded the money, therefore the judge in my case would not order the merchant to repay me, since i was not out money since chase found in my favor, however i was awarded {$2000.00} in consequential damages from my expenses involved in the case, the merchant was ordered to pay this to me, the merchant did pay me however they issued it in the form of a credit back on my original card, chase bank then saw this {$2000.00} refund from the merchant and took the money from me, i called to dispute the money telling chase bank that i could provide documentation that the money was awarded to me as consequential damages, i was asked to provide them copies of the court documents, i did, and chase reviewed them and returned the money to me, as short time later chase took the money from me again and refused to return it., this money had nothing to do with chase bank other then the merchant pulling a fast one and returning it on my credit card from nearly a year old transaction to avoid a credit card fee he was charged on the original transaction, as of today chase bank has taken {$2000.00} from me and added it to my balance and i am getting charged interest everyday, they will not discuss this matter when i call, even though they have found in my favor