davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

On XXXX XXXX XXXX I was given a summons for a complaint that 's being filed XXXX XXXX XXXX for hospital bills dating XXXX through XXXX. I have not been contacted by phone or mail to pay or dispute these bills nothing has been provided to show the actual dates of service I was not given proper notice.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-06-04
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: EQUIFAX, INC. (NY)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-08-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (GA)

Chase bank has charged me XXXX late and insufficient fees for about a year between XXXX accounts. 99 % of these are there fault due to the Atm drive thru being either not able to accept cash, down, or being fixed on. This happens about 2-4 times a week? Also a few times they have had a complete outage where none of the machines were working. The problem is they blame you if you can not deposit? 
When I asked when you have $ in the account why not take it for all the smaller checks that you know can be paid instead of running the biggest check first or the last check through. I was told it 's up to their discretion how they handle my XXXX They can wait if they want. I was like this is crazy??? Then I sought legal advice. I was told I needed a copy to see how many I had? I did n't know it was this many! I am a very small start up and can not afford for them to make me lose my home or mind. Last week my son had to go to have emergency and I did write a few checks at least 4-5. Now I was at the hospital for a couple of days so unaware of what was going on. I bought food at the hospital and looked at my account. I was in the negative? How could I be there was at least {$900.00} in the account. Well they did n't run the checks through that they received first which were smaller. They ran the last check which came in on the last day for over {$1000.00}. Then ran the smaller checks through so they could hit me with XXXX fees in a weeks time. Honestly I just broke down and cried from the hospital but I had to be strong for my son. So I called the bank and asked for the mgr. named XXXX. Well he said I can do anymore refunds after the last one! I was like the last one? You mean the one where there was an outage and I could n't deposit any money? How is that my fault if your machines were down? I was under the impression that they removed the fees asscociated with any and all from the atm machines being down etc ... .This is applies to the personal account as well. Same practices! I trusted them! The other account is in the negative {$430.00} for the same reasons! These totals do n't include the {$15.00} overdraft fees as well. I literally begged for them to not do this to me because they know my families situation. The bank mgr. XXXX gave me the run around to call the XXXX number. The XXXX told me that is not correct he must credit the account. No one takes responsibility. The insult to injury is I was told THERE IS NO DOCUMENTATION OF ANY OUTAGE, ATM DRIVE THRU BEING DOWN ETC .... I was so mad I just felt like nothing. They could do this to me? I did n't know how many times until now. It 's easy for them to know them but they know I have no proof. Well I am standing up I earned my money and I want it back. This is just wrong! We are a small business and these practices are literally putting us out of business!
Consumer complaint received 2015-04-27
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The reward from my Bank of America XXXX XXXX XXXX in the form of miles ( XXXX for every dollar spent ) are not reaching my XXXX account. Innumerable calls to XXXX customer service department has been useless in solving this issue.
Consumer complaint received 2016-10-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (KY)

My father, XXXX XXXX, is on a fixed income but financially stable with good credit. My brother who is a substance abuser, has no credit worthiness. My father and brother went shopping for a car, most likely a used XXXX that my father was to cosign for and my brother make payments. At the dealership ( XXXX XXXX in XXXX Ky ), a salesman discovered my brother 's credit problems. My father, not understanding what was going on, was persuaded to be the main borrower. The salesman proceeded to up-sale my brother a brand new car he could n't afford, and used my father to get the bank, ( Chase ) to secure the loan. Now Chase is harassing my XXXX XXXX XXXX father relentlessly, causing him untold stress and no payments have even been late! Is it possible to get my father 's name off this loan at this point? I realize he SIGNED the papers, but he 's elderly and honestly did NOT know what he was signing for at the time.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

Hello, On XXXX XXXX I made an online purchase at XXXX in the amount of {$450.00}. After a week or so I had not received anything and checked the website. The website had disappeared from the internet. I immediately called my Best Buy Visa to report suspected fraud. They cancelled the card indicated I was not liable for the amount and took the {$450.00} charge off my balance. Later after two letters from Best Buy Visa they indicated that the investigation indicated there was no fraud and recharged my account the {$450.00}. I have the confirmation of the order that XXXX sent me but nothing ever arrived and it would appear the site was a fake site. I am angered as I did everything I was supposed to do in this situation. Thanks for your help.
Consumer complaint received 2015-10-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (TN)

Opened a business checking account with Suntrust XXXX 2015. Was notified XXXX XXXX that account had to be closed because they made a business decision to no longer service our industry. XXXX XXXX loans ). 
The bank personnel admitted that the decision was made due to the FEDERAL GOVERNMENT PRESSURE TO NOT CONDUCT BUSINESS WITH A PAYDAY LOAN COMPANIES. ALSO KNOWN AS AN ILLEGAL BACKROOM POLICY NAMED 'OPERATION CHOKEPOINT '!!!!!!! 
WE ARE A SMALL FAMILY OWNED BUSINESS THAT IS BEING CRUICIFIED & CRUSHED DUE TO THIS IGNORANT POLICY!
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted Transunion  XXXX / XXXX /  XXXX   about unauthorized inquiries on my credit and mentioned the early exclusion to have it removed from my account. I was told I could not dispute it or use the early exclusion on my hard inquires that I never authorized, when I have done so before.  XXXX   XXXX  out of  XXXX  could n't give a reason why and never answered my questions directly.  XXXX   XXXX  the supervisor also was very rude and could n't give me direct answer and also refused to give me the number to the supervisor in the United States so I could get my questioned and and possibly resolved, because it seem like they were avoiding the answers to my questions.
Consumer complaint received 2016-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (CO)

I refinanced my student loans. I did not want to refinance my subsidized student loans so I took out less than my total and told I would be able to decide which loans my XXXX check would pay off. However, when Nelnet got the check they decided which loans to pay off without any input from me ( Nelnet decided to put the money towards low interest subsidized loans and leave the remaining g balance in loans that had the highest interest rate ). I have now contacted Nelnet twice to attempt to get the money allocated towards the correct loans and Nelnet and their representatives have been unable to help or provide adequate assistance. All inquiries to speak with management is brushed aside. This is unacceptable and I need help resolving this issue.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (NY)

My bank, Ally Bank XXXX XXXX XXXX XXXX, PA XXXX Is unable to cancel recurring, scheduled transfers from my checking account at another institution to Ally 's held online savings account. I am unable to cancel this recurring transfer manually, both by online webpage visit and through their mobile phone app. This recurring charge is in the weekly amount of {$100.00}. When I try to do this myself, I receive error messages. 

I have spoken over the phone, as well as through online chat help function with Ally bank about this issue. They have told me verbally, on XX/XX/23 that this is a known issue and is being worked on through their IT department. But, until they fix this issue, the bank is stuck withdrawing {$100.00} a week from my checking against my instructions. This is unacceptable, and a basic online banking function that should be remedied, I should be able to dictate my own online savings account transfers. 

Thanks,
Consumer complaint received 2022-08-09
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. (NJ)

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 USC 1681.

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 an 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 1681 s-2 ( A ) ( 1 ) 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. 


XXXX ACCOUNT XXXX XXXX
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WI)

I filed a complaint against XXXX XXXX XXXX with CFPB and XXXX apologized and agreed to correctly report my account. Dispute # XXXX. Experian continues to report the account incorrectly and needs to just remove the improperly reported account from my credit report.
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (IL)

I am a  XXXX   years old  credit cardholder o f American Express ( " Amex '' ). Due to u nforeseen circumstances, I fell behind on my payment. On Tuesday,    XXXX   XXXX  2017    , Amex attempted to make  XXXX  unauthorized withdrawals (  a/k/a Force Post ) fr om my checking account in the amount of {$980.00} which caused me to incur a charge of {$7 0.00} (  see attachment ). I t hen called Amex to a sk if they had taken money out of my account. The representative informed m e that Amex did  and that I needed to make another payment of {$1300.00} by     XXXX   XXXX   2017    or   they would take another withdrawal from my account, but unbeknownst to me and  the Amex representative the transaction did not go through because I did not have t he funds. I in formed Amex once again not to go into my account and that I would call Amex when I was going to make a payment. I spoke with Amex r epresentativ e on two prior  occasions. First, on Sunday,  XXXX   XXXX   2017  to discuss my late payment and make payment arrangements. I was informed by the representative that  Amex could take money out of my account without my permission. I told the Amex repres entative not to go into my account and felt like the representatives was trying to confuse me and get me to say th at Amex could go into my account. I informed the representative that he did not   have my permission and that I did not have that type of money in my account. I had my daugh ter call Amex on  Monda y,   XXXX   XXXX     2017  and inform  Amex again  that they did not have the authorization from me to go into my bank account. I have always paid my  Amex bill through my checking account, but I did not realize it game Amex the authority to go into account at will. I feel as though Amex is tryin g to intimidate me into committing to something that I can not do by threatening and attempting to go into my bank account without my permission.
Consumer complaint received 2015-03-29
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (OK)

I bank with Wells Fargo and I live in the state of Oklahoma. I am unable to close a CD account unless I go into a branch which is over XXXX miles away. My CD account auto-renewed against my personal wishes. 

I want to close it. I can not go into a branch because the nearest one is over XXXX miles away. 

I can not close it over the phone as per company policy ( I am required to go into a branch ). 

I can retrieve the paperwork to close the account online ( and can close it by mailing in the paperwork ), however, I must know the account number which Wells Fargo can not give over the phone. The only way to retrieve the account number is by going into a branch, which is over XXXX miles away. 

I would like to close the account without needing to go into a branch.
Consumer complaint received 2016-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: United Shore Financial Services, LLC (CA)

United Wholesale Mortgage ( UWM ) refuses to give me documentation on a refinance loan that was done around XX/XX/2012. After my divorce ( with the divorce decree specifically stating that my ex retains the homes and all financial encumberances ), and the quit claim deed, UWM still refuses to take me off the loan. 
I understand that my ex-husband is in contempt of court by not assuming the loan or refinancing. 
That said, UWM modified the loan without my knowledge or consent ( taking my income into account, I 'm told ), which is FRAUD. They also refuse to give me any documentation on a loan that I 'm still responsible for! I have a legal right to this information. I do n't care if they do n't like me or think that I 'm the one to blame for the missed payments ( P.S. I 'm not. I transferred money into my ex-husband 's account each month for the mortgage until I left. I paid for all of it. Now that I 'm not around, it does n't surprise me that he 's having trouble. ) Anyhow, I have a RIGHT to this information. I am XXXX % co-borrower on this loan. I have a right to all documentation regarding the loan. I also have a right to know about any changes ( like modifications ). All I asked is that they remove the notations about foreclosure from my credit ( XXXX, XXXX, XXXX ), and I would n't pursue charges. But it looks like that 's not going to happen now. 

What they 're doing is illegal. The fact that they wo n't communicate with me about a loan which I 'm XXXX % responsible for is illegal. Doing a modification without my consent or knowledge, is illegal.
Consumer complaint received 2015-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (VA)

A company called Trident Asset Management contacted me to collect a debt on behalf of XXXX. They informed me that I owed {$190.00}, they gave me a reference number to use on their website, and informed me that I had to pay it on their website, Tridentasset.com. Before paying, I called XXXX to verify that this was accurate. Not only was it NOT accurate, they had never heard of Trident Asset Management and the account had NOT been turned over to them. This Trident Asset Management company also shows up on my credit report as owing them a debt. It is adversely effecting my credit score and I need it removed immediately. Do not pay these people, and be sure to do your due diligence.
Consumer complaint received 2015-06-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD (TX)

I wrote a cease and desist order on my account, however the company is still calling and send various letter in the mail about the debt. I have called and tried to speak various people in leadership but no one seems to care. They stated and I quoted. the do not have to abide by Debt collector rules.
Consumer complaint received 2016-02-24
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP (CA)

In the monthly statement that I recieve from US BANK, I noticed that my APR had spiked up dramatically and without warning. I was caught off guard and at a bad time for me. I recently had to go on dsability on my work and this was really bad for me. This was very inconsiderate on behalf of US BANK. I have used their card for a variety of different purchases and this card was my go-to card for almost everything. I have stopped using this card and will not use it anymore unless my APR is returned to normal. Please look into this matter for me. I have never missed any payments and I have always been very responsible with this card and would love to be able to continue using it. Thank you!
Consumer complaint received 2015-06-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Santander Bank is force placing insurance on my loan due to XXXX rules that should not apply to my property - they are wrongly treating my building like a giant apt complex instead of a small cooperative building. Numerous email and phone calls have gone unanswered - always need to talk to someone else who is never there. They have no force placed added insurance and will deduct cost from my escrow. They are stealing from me. Can you please help me get a satisfactory response from this dishonest lender? Will you please help revoke their banking charter, as they are clearly robbing consumers as a general practice.
Consumer complaint received 2016-04-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (PA)

My Mortgage Company EMC has not complied with the stipulations outlined in the settlement of FTC FILE # XXXX Pgs XXXX of PDF. They failed to correct my escrow account which is clearly miscalculated see pgs XXXX-XXXX of PDF and filed false documentation with the IRS in regards to what they actually received from me See Pgs XXXX-XXXX. They refused to answer the Pennsylvania Banking commisons questions regarding these XXXX matters See Pg XXXX of PDF XXXX line. They excluded me from any settlement monies. Gave my loan to a collection agency XXXX XXXX XXXX without settling the dispute See pgs XXXX. They then told me there was no more settlement money, but they recognized their mistake and would satisfy my loan See XXXX XXXX,XXXX of PDF. Yet they still report this incorrect amount to both XXXX, and XXXX. XXXX. They do not report tis to XXXX. EMC sold my loan to chase. The resolution I want after 10 years of being taken advantage of is this debt totally removed from my credit history. I want them held accountable for violating the FTC settlement which precludes them from misrepresenting the amounts I owe, not compensating me, Violating my rights in regards to the FDCRA by reporting a amount they know is inaccurate. My Escrow Disclosure Statements for XX/XX/XXXX and XX/XX/XXXX do not match my Annual tax and interest statements as they should see pgs XXXX-XXXX of PDF. My rights are being violated and my credit has been damaged for years. First and foremost I want this removed from my credit.
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Experian has listed XXXX XXXX XXXX as an alias. Numerous accounts are her accounts. I have NEVER used the name XXXX XXXX XXXX nor do I know anyone by that name. I submitted a dispute, but to no avail. It only shows as a comment.