davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (SC)

I used a Chase Visa debit card at an international ATM in XXXX XXXX, XXXX on XX/XX/2022 in an attempt to withdraw about $ XXXX. I tried several times to access funds and my transactions were denied with the exception of one which was approved but no funds were ever dispersed from the ATM during the transaction. During the transaction, the machine allowed me to select which bills I would like to receive and made the sound like it was disbursing the funds from the machine. I was surprised no money came out. 

At the moment, I did not realize the transaction was technically approved. I called Chase to ask why my card was being denied and it was in that moment, the representative told me the transaction was processed. I filed a dispute and the transaction was reversed. Weeks later, Chase reversed the dispute resolution in my favor and pulled the money back from my account. 

Their customer service representative told me I would need to open up an investigation against the bank in XXXX. When I told them my relationship is with Chase, they told me there is nothing they can do because I decided to use the card at an international ATM and in their initial request to the bank, the bank reported the funds were released. As a long-time customer with no complaints like this, I was shocked to see the lack of responsiveness from Chase. With inflation and bank fees taking what little extra money I have, this claim is very important to me and I was very distraught to hear Chase 's lack of process to help a customer in this case. I only used my card in this case because Chase allows me to use international ATM but they take no responsibility for actually resolving a customer 's problem when their normal process does not work. It can't be possible to allow a bank to allow a customer to lose money like this.
Consumer complaint received 2021-11-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SIERRA PACIFIC MORTGAGE (CA)

I went into covid forebearance and was ready to start paying inXX/XX/2021. I was advised to let me forebearmace end even though I was also told that there was an automatic option of modifying my loan and setting it to market interest rates with my balance added to the end of the loan. I requested in XXXX and they didnt process until XXXX. I was told I didnt have to make my XXXX Payment I order for my loan modification to begin. I paid in XXXX and received paperwork in the mail offering me options Like I hadnt already requested a loan modification. I paid my mortgage in XXXX and for XXXX. I called to say and they still have not even processed the paperwork for a loan mod for me despite knowing that I have lost income and am entitled to a loan mod. They said they would give an update at the end of the week. However this is an internal update and provides me no relief or guidance as to the process and where it is at. I feel like Sierra pacific mortgage is intentionally dragging their feet on my loan mod because it isnt a new loan. They are using the excuse that they are busy, yet a conventional loan will Close and fund in 30 days. It feels discriminatory and maybe delaying to hope that the market interest rate rises prior to them modifying my loan.
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

When I received my XXXX credit card statement the balance due was {$120.00}. I elected to use my XXXX Rewards of {$130.00} to make the payment for the month of XXXX which was due XX/XX/2019. This should have left a credit of {$5.00}. 

I received my statement for XXXX that showed a credit of {$130.00} posted on XX/XX/2019 which left my account balance of XXXX ( XXXX ) dollars, it also showed a late payment fee of {$25.00}. 

My question is how can there be a late payment fee when the account was reconciled by the due date with a XXXX balance?
Consumer complaint received 2021-05-08
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. (IL)

XXXX XXXX and XXXX XXXX XXXX XXXX reporting late payments and delinquents 30 to 90 days late. XXXX some false statements on reporting late and no available credit i have bank statements and checkbook statements are available a few payments maybe 2 days late because of mailmen postal delivery.
Consumer complaint received 2023-01-23
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. (MI)

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. I need those issues settled after this complaint. 
Here are the accounts that need updating : XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$3300.00}
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TN)

1. After sending harassing emails on a payment that already had already been paid. Just like XXXX XXXXXXXX XXXX, Lowes and Sycronyn Bank are targeting XXXX veterans through the Lowes Account. so after I asked them to stop the emails they made sure my card did not go through online for simple purchases. 
2. They left me on hold for 45 minutes and when I spoke to someone they gave me the run-around, ( our system has bugs please reenter your account number 50 times ) the next bank or store they should be looking for discrimination is Lowes/Sycronyn Bank I do logs and notes and ready to sue. All I have to do is read back from these to anyone asking questions. dates times reps etc...
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

To whom it may concern, On XX/XX/XXXX, I received a letter through the Secure Message Center that my Chase XXXX XXXX # XXXX was being closed. 

On XX/XX/XXXX, I contacted the phone number XXXX ( Fraud Department ) referenced in the closure letter, and requested a reconsideration in this decision. The case was referred to a supervisor for review, and possible reinstatement. 

On XX/XX/XXXX, I received a call from the supervisor, whom my application was referred to, for review, and he informed me that my account is being reinstated. 

On XX/XX/XXXX, I logged into the Chase mobile app, and again noticed that my credit card account shows as closed. 

I contacted Chase customer service again, was referred to somebody named XXXX again from the Fraud department, and he told me since I have failed to safeguard my account, he is closing my credit card account. 

Fraud had occurred on my account 2 times in the past, and both times the bank had done an investigation, and ruled in my favor. In early XX/XX/XXXX, I thought my card was missing, reported my card as lost, and 2 transactions as fraudulent, however, after I learned, on my own, that my card had actually been used by another household member, without my knowledge, I called in, withdrew the claim, and I am not sure why the Fraud department was still handling my account after the claim had been withdrawn. 

The decision to close my account for the 2nd time in the span of 2 weeks is completely unacceptable. I would have understood the decision to close the account once, but reopening the account, only to have it closed a week after by another person is just an organizational XXXX. 

I, hereby, request Chase to be courteous and reinstate the account, due to the error that occurred on their side for closing the account, then reopening the account by a supervisor, and then closing the account by another person, all in the span of 2 weeks. 

If Chase insists on closure of this account, and not fixing this error, please at least reimburse for the {$520.00} annual fee that was paid on XX/XX/XXXX, in order for me to be able to use this account for a full year, which I have been deprived of. 

Thank you for your time and consideration. 

XXXX XXXX
Consumer complaint received 2021-06-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC (NJ)

They keep calling me to get in contact with my mom. At this point they are harassing me I literally receive XXXX to XXXX calls a day. They keep asking for my mom and I dont even live with my mom. This is considered harassment and I have no involvement with this debt. They call before XXXX XXXX am or even XXXX am asking for me mom when I have repeatedly told them I do not live with her.
Consumer complaint received 2020-01-24
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)

XXXX XXXX listed the negative item on my credit report under another name ( XXXX XXXX ) ... I have contact them and advised that the previous fees paid on the account should be credited and not have the pay the full amount pay. Need the negative item removed immediately. They have also done illegal active on the account to stay on the credit report ... .stating that I paid {$1.00} on the account so it can be active. Also making changes on the account, by changing the amount due on the account several months in a row.
Consumer complaint received 2020-01-24
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am requesting the credit card company provide all audio tapes from XX/XX/XXXXthrough XX/XX/XXXXto show I tried to cancel the card in XX/XX/XXXX, I took my ex off the card in XX/XX/XXXX. This information was confirmed to me in phone call in XX/XX/XXXX.
Consumer complaint received 2019-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Green Bay, Inc. (WI)

After this debt was paid, I called the company, Finance Systems to make sure they will remove this. They told me that they will report this on XX/XX/XXXX and it is not showing it. I have their receipt that they mailed me to show that this debt is paid off. 
This company is know for its tactics and dragging their feet once debts are paid.
Consumer complaint received 2022-01-12
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. (FL)

I have been denied credit for years due to the fact that unauthorized charges and inaccurate balance and credit limit information has been reported on my credit file. I submitted a police report since 2018 and nothing has been done. The accounts have not been updated they have now been closed and charged off leaving derrogatory remarks on my report
Consumer complaint received 2018-02-08
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. (OH)

I have filed numerous complaints regarding the reporting of my XXXX XXXX account, ending in XXXX. Since the bank refuses to remove the account from my reports, as they promised to, if I paid in full. I have since paid in full but now they will not remove the account. Since the account will not be removed from my report, I would at least like for it to reflect correctly. This account is no longer in collections, has it is stated on my report. I have PAID IN FULL. However, the account status on my report still say collection/chargeoff. I would like to have the account status to reflect " closed/paid ''
Consumer complaint received 2023-01-18
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$4500.00} XXXX  XXXX XXXX  : {$79.00} XXXX XXXX  : {$170.00} XXXX  XXXX XXXX  : {$89.00} XXXX XXXX  : {$50.00} XXXX  XXXX XXXX  : {$74.00}
Consumer complaint received 2020-11-25
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: ERC (WA)

On XXXX XXXX, 2017, ENHANCED RECOVERY COMPAN add a derogatory mark on my credit report per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPAN has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached a letter in the attachments area below. I have sent more than 3 certified letters notarized and your company remains to bare inaccurate information on my credit without my consent and continue reporting inaccurate information basically tells me that no one is doing their job. This is my final attempt, if you could provide me with an original contract document showing my signature. If you cant provide me with an original contract it is a violation of FCRA section 609 and I demand that the inaccurate accounts removed immediately within 24 hours.
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (OH)

We have two business accounts with US Bank. We received a letter which I can attach that stated they were offering a Special Payment Relief Program. It is to lower interest charges and eliminate late fees and help us repay since we XXXX XXXX XXXX  and have been closed due to COVID19. I have called and spoke to 7 different individuals and they are stating they do not have that program. They are currently charging us an interest rate of 28.99 percent which is 9 points higher than before the pandemic.
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

Every year, if I keep my XXXX XXXX credit card, I am awarded XXXX XXXX XXXX  points. When my annual fee came due, I was deciding whether I wanted to keep the card. So I called in to see if there were any sweeteners and the representative said she would waive the annual fee. Before she did so, I made sure that I was still going to be awarded the points and she said yes. Fast forward 2 months and I realized that I still had not gotten the points. I called in and was told that the points are only when you pay the annual fee which is contrary to what I was told. Additionally I was told that representatives are not supposed to waive the annual fee. That being said, I asked if I could be assessed the annual fee and get the points. I don't want anything for free. But then I was told they couldn't assess the annual fee once it's waived and because the annual fee can't be put on, I'm out of luck on the points. This is frustrating because this is classic bait and switch. I would argue these points : 1. The terms of the card state that the XXXX points is if you keep the card for the year. It doesn't specifically state it is tied to the annual fee.

2. The annual fee was waived contrary to US Bank policy 3. Once I asked them to charge me, they said even though they waived it, they can't add it back.

4. Because of their representative doing something they shouldn't have done, I'm now out of XXXX   because of the rep 's error.

Like I said, I don't want anything free. Let 's abide by the terms of the agreement. Assess the annual fee of {$50.00} and give me the XXXX  points as agreed upon card opening. I don't know why this is such an issue especially since you have documentation showing I agree to this arrangement.
Consumer complaint received 2020-01-24
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. (GA)

XXXX XXXX  is reporting incorrectly to XXXX  ; XXXX  and Transunion a collection/charge-off in the amount of {$1900.00} on the XXXX XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) There was a flood and a claim had been filed for damages. I had insurance that covered the damages and the insurance company paid XXXX XXXX  directly. There is no balance due and owing. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-11-14
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. (CA)

These accounts have absolutely NO MERIT and I have been the victim of fraud, the result of this fraud is these unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request Experian to cease and desist all reporting of these fraudulent accounts and FURNISH A BLOCK under the 605 ( b ) FCRA 2009. I have also been in contact with the Attorney Generals Office of California XXXX  XXXX  who I will be sharing correspondents with, along with XXXX XXXX my attorney. Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. The accounts are XXXX  XXXX XXXX {$25000.00}, {$4000.00} deposit related accounts. I have never opened any of these. XXXX  has already ceased all reporting of these fraudulent accounts, I am asking Experian follow federal law and do the same. 


Failure to furnish a block and cease and desist all reporting of these accounts is a violation of my federal rights. I am in talks with the Attorney General of California - XXXX  XXXX  in this matter, and have filed a FTC Theft Report and a XXXX XXXX County Police Report. 

These accounts are the result of fraud. 
- XXXX XXXX XXXX {$25000.00} - XXXX  XXXX XXXX {$4000.00} This is a letter to cease and desist all reporting activities listed under the FCRA 2009 ( 605 ) ( b ). 
Also ; I have NEVER APPLIED for ANY PRODUCT from these creditors, please delete these inquiries as I have never applied. The inquiries are ; Inquirer name : XXXX  : inquiry date : XX/XX/XXXX. 
XXXX/XXXX  XXXX OF : XX/XX/XXXX. 
XXXX  : XX/XX/XXXX. 
XXXX XXXX XXXX : XX/XX/XXXX. 
XXXX  XXXX XXXX  : XX/XX/XXXX. 
XXXX  XXXX XXXX  : XX/XX/XXXX.
Consumer complaint received 2021-08-18
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. (NC)

Hello, On XX/XX/XXXX, XX/XX/2021 and XX/XX/2021 I've mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response seeing the disputed items taken off my credit report. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to COVID. I am asking that these items be removed from my credit report. I have sent documents through mail and attached to this complaint of proof that these accounts have been paid for and should be removed from my credit report.
Consumer complaint received 2018-02-08
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. (OH)

I have filed numerous complaints regarding the reporting of my XXXX XXXX account, ending in XXXX. Since the bank refuses to remove the account from my reports, as they promised to, if I paid in full. I have since paid in full but now they will not remove the account. Since the account will not be removed from my report, I would at least like for it to reflect correctly. This account is no longer in collections, has it is stated on my report. I have PAID IN FULL. However, the account status on my report still say collection/chargeoff. I would like to have the account status to reflect " closed/paid ''