davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I have numerous transactions on my Chase debit card that I disputed. Outpost promised me if I pay {$250.00} that I could get a full refund because my mother died of XXXX. They will not return ALL my money and I paid 6 months in advance in XXXX. Chase bank is giving me the run around. So now Visa is getting involved. Also XXXX- Outpost partner company lied on me because they had a charge disputed. Chase now is removing {$760.00} from my account saying that the merchant paid me. They admitted that they lied because they wanted to get their fees back after I nicely resubmitted payment. I'm XXXX and on XXXX they are stealing from me and SSA.
Consumer complaint received 2019-05-15
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One pull my credit report 4 times and has drop my credit score 79 points down. They ran my credit on XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. I  have called them several of times and told them that someone is using my information worng. I ask them why they haven't sent a letter out to me so I could have been notified. I DO NOT HAVE ANY ACCOUNT WITH THIS COMPANY. I HAVE ASK THEM REPEATEDLY TO TAKE IT OFF OF MY CREDIT REPORT. I DO NOT WANT THEIR SERVICE. THIS IS WRONG. I HAVE BEEN CAR JACK IN THE PASS AND MY INFORMATION SOME ELSE HAS IT. SOMEONE IS EVEN TRYING TO GET A CAR IN MY NAME this company number XXXX just call and alerted me about this. I have told CAPITAL ONE, that I always since out stuff certified to confirm that it is me. I ask them have they received anything from me that has been certifiable, they replied and said no. I them so why are you going to keep this false statement on my credit when I have alerted you that it fraudulent and it is not me.
Consumer complaint received 2023-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VA)

My student loan servicer is Edfinancial. I recently XXXX in XX/XX/XXXX. I have a grace period of 6 months before paying on my student loans, however Edfinancial has been billing me since XXXX. I emailed them immediately when I received the first bill to express that they have made an error. I did not get any response back at all. Then today I woke up to another bill for the month of XXXX. I logged into my Edfinancial account only to see that they say I now have 2 months of student loan payments due and that I am late on XXXX payment. I am not due to owe them anything until XXXX. In my Studentloan.gov account it clearly states the day I will begin payments in XX/XX/XXXX not XX/XX/XXXX. I emailed them again this morning, and I called them right at XXXX. After inputting all my personal identifiable information on the phone one of the representatives answers the phone and immediately hangs up on me before I can even talk to them. I said " hello '' and they hung up. I immediately called back and was told I had approximately a " 1 min '' wait time and I waited for over 15 minutes before just giving the machine permission to call me back when an agent is available. The machine said it make take 24hrs even though the wait time was supposedly 1min. I am terrified that they have reported my " late '' payment to the credit bureau because I am absolutely NOT late and this can easily bar me from obtaining XXXX employment. I was very proactive, and I have been completely disregarded and harmed by EdFinancial.
Consumer complaint received 2023-02-07
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$890.00}
Consumer complaint received 2021-05-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (MI)

NetCredit is a rent-a-bank scam. They operate outside of my state of Michigan. I asked NetCredit who loans money through many out of state banks such as XXXX XXXX  and Enova, etc. to allow me to lower my interest rate to the appropriate SCRA rate of 6 % and sent them my XXXX XXXX pay stubs. They acted like the never got the paperwork and then they took out a payment at XXXX percent before my due date for an amount that doesnt match their system as being due and were not authorized to do so. I tried to call them and they are impossible to reach. I had to email them countless times over and over again. After doing a lot of research I found out they are a rent a bank scam and charge more than the 36 % cap and are preying on veteran and military personnel as well as anyone looking for help during COVID in order to charge them outrageous interest rates, pull money at un-authorized times and more. 

III. The 36 % Rate Cap Today A. XXXX Until the deregulation of the XXXX and XXXX, virtually all states had usury caps, though they varied widely and were typically well below 36 % for larger loans.17 But that changed with deregulation, which was spurred by two developments, neither of which reflects on the appropriateness of rate caps today. 
First, a Supreme Court decision permitted banks to charge the interest rate of their home state, regardless where the loan was made.18 The decision led some states to repeal their interest rates in exchange for banks relocating their headquarters. Other states were forced to follow suit or lose their banking industry.19 Why 36 %? The History, Use, and Purpose of the 36 % Interest Rate Cap 2 Second, double-digit inflation squeezed the availability of credit, especially mortgage credit that was often constrained by much lower interest rate caps, and spurred a general climate of deregulation. 
The response of many states to the combined developments was to eliminate interest rate caps.20 Many states today have no usury caps or have carved out holes in their rate caps that effectively gut them. 
B. The Current Trend Toward a 36 % Cap For Small Dollar Loans The 36 % rate for small dollar loans continues to have wide acceptance at the state and federal level. Today, over 35 jurisdictions 70 % of states still provide for annual interest rate caps at the 36 % benchmark or less within their statutory schemes governing small-dollar installment loans by nonbank lenders.
Consumer complaint received 2018-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I have reached out to PennyMac on several occasions concerning their misapplication of my mortgage payments. Each time I speak with a representative, I am given the run around, given a different answer or I have been spoken to flat out rudely and unprofessional ( most recently by XXXX, XXXX and XXXX ). I asked to speak to a manager and I was transferred to XXXX who I later found out is not a manager. When I asked her to let me speak to a salaried official, she did not know what that was. I advised her I would be filing a complaint with the Consumer Finance Protection Bureau and she said she did not care. 

I need some assistance in getting these payments applied correctly. I am the customer and I do not deserve to be disrespected.
Consumer complaint received 2019-05-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am very dissatisfied on how Capital one handled me during purchase protection of an item I bought from a merchant. The card indicates they help resolve issues on purchases made that are defective and not as described, but yet you denied me of a refund on my case : Case Number :  XXXX for the merchant XXXX I purchased a pair of glasses from this merchant and shortly after around 1-2 months the coating on the frame has peeled off. I can no longer wear these glasses. I have sent Capital One photographs of the defect but they ruled in favor of the merchant. Capital One demanded unreasonable expectations from me to resolve the complaint ( ie ) getting a letterhead from a second opinion glasses store to document that these frames were defective. No other store will issue a letter on letterhead stating this unless I buy something from them. After losing {$160.00} - I will not spend more money on another store just to get a letterhead. 
I have disputed this issue for months with a terrible outcome. I believe Capital One has violated it's promise on helping their customers resolve complaints fairly. When I signed up with Capital One, it clearly stated on the website they help resolve purchases such as mine ... .this is misleading and this is false. This is an illegal advertising practice. I am still seeking my refund of {$160.00}
Consumer complaint received 2021-04-23
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. (AZ)

I looked at my credit only to items that did not belong to me on it. So I reached out the the FTC and the Police Department to find out what steps to take. I was given instructions of what to do and that was to dispute these items with the 3 Credit Bureau. So I mailed in my disputes to all 3 and I have had no response back. So I am here disputing these items. All the documents I mailed in I am will be submitting below.
Consumer complaint received 2018-06-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY (MN)

Withdrew money in checking account down to {$100.00} and saving account down to XXXX dollar. I had deposited this money to pay my mortgage. Now I cant pay my mortgage. From my understanding since it is credit card debt Wells Fargo has violated The Federal Reserve Boards Regulation Z, Section 226.12 ( d ).
Consumer complaint received 2020-06-26
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: Experian Information Solutions Inc. (MO)

XXXX, XXXX and Experian are falsely reporting incorrect information on my personal credit reports. There's a list of inquiries on my credit report that was never authorized by me. These inquiries listed below was executed without my consent or knowledge. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (VA)

I have been given false hopes or discriminated or treated unfairly. I have been working for 5 months with AFN with a senior loan officer who has been misleading me and getting information with no result twice after telling me I was prequalified preapproved for a refinance cash out which I have been trying to accomplish. Twice she pulled my credit causing me to get my numbers lowered or questioned by credit bureaus unnecessarily except the first one. Later, she revealed to me that her company was pressuring her personally to submit applications and she admitted that my loan is rejected but the company would not give me the real reason for the denial. She is leaving the company and she would like me to apply with her new company since it is a better company. She revealed that my separation agreement is a concern and that the dots do not connect she was told verbally and via internal email she could not share. I submitted a legal document regarding my separation and gave all the information required. I was treated unfairly with no good faith to make this a reality. I spent a lot of time losing time and money with false hopes and till date I have no written reply from the company. The loan officer has left to another company supposedly.
Consumer complaint received 2015-08-19
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NJ)

On XXXX XXXX, 2015 I made arrangements to repay my wife 's debt to XXXX, XXXX, FL. The person I spoke to understood that the original debt to XXXX had fallen behind because my wife had become ill and the representative was sympathetic. I arranged to pay with a debit card with agreed XXXX payments over six months wherein I would call and make the payment. The XXXX payment was taken from my bank account on Monday XXXX XXXX, 2015. Despite this, XXXX called me and said that if I did not pre arrange the dates and allow them to automatically withdraw the amounts, they would continue to call me. I responded that this was not the arrangement which I had made with them and the supervisor said that she had no way of knowing what the representative had made with me. I spoke to her as the common liar that I found her to be. I intend to repay the debt. I sent them a written request on XXXX XXXX, 2015 to contact me only by mail.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I have contested the inaccuracies in the following information with XXXX, Experian and XXXX and unfortunatley, the issue remains unresolved to this day. 

XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX Please remove it from my credit report. 

Experian XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX  Account Number : XXXX Please remove it from my credit report. 
5. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OK)

I purchased an item on via PayPal on XX/XX/21 for $ XXXX. When on the pop up screen I noticed I was unable to chose my payment option. I then went to PayPal to check the status of my account. Everything seemed ok UNTIL I tried to add a bank account. I requested customer assistance. I have been blocked from messaging the company. I tried calling PayPal, they are NOT answering their phones. You can not message them via email, they will not answer their phones, their website is malfunctioning, and their automated system is having issues. They have blocked any effective form of communication. 

They have control of my money but I have NO access to remedy any issue with my account.
Consumer complaint received 2019-05-15
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. (CA)

The three credit agencies Transunion, XXXX and XXXX   have not removed erroneous derogatory credit report from student loan collection agencies. I haven't opened a student loan account for over 20 years, and if this were accurate, but it is not, it would be too old to suddenly report. I have disputed over 30 days ago but the derogatory reporting continues, appears to change company names, the credit agencies is not responding to their responsibility to investigate truthful reporting and remove within 30 days per FCRA 15 USC 1681et seq. 

Any Student Loan Collection Agencies for approximately {$30000.00} and XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, MA XXXX USA {$39000.00} Why is this suddenly showing up on my credit report for the first time? 
They just keep changing their names.
Consumer complaint received 2018-06-12
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 keep reporting me late on Child Support. I disputed it because that is an error. I am not late it comes out of my check automatically. I had it set up that way so I won't be late, and I take care of my child. I send extra and have receipts. Yet I thought for sure with all of that XXXX  would remove the error. Instead they reported me late again and dropped my score. they never responded to my dispute on this. It's been 90 days since I disputed it
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2021, 2 transactions were executed from the XXXX, XXXX business checking account which resulted in the following payments : XXXX  with XXXX XXXX to XXXX XXXX XXXX debit - {$1000.00} XXXX  with XXXX XXXX to XXXX XXXX XXXX debit - {$1200.00}. Neither transaction was authorized or approved by any personnel of XXXX, XXXX. This was reported on the same day XX/XX/2021, to chase bank as Fraudulent charges claim number XXXX. 
Chase bank subsequently conducted their own fraud investigation and declared that the 2 fraudulent transactions were authorized via finger print scan on a device. 
This is not possible as none of the authorized persons associated with the account had authorized these on any of the devices they own. Chase has subsequently paid the amounts to XXXX XXXX and withdrawing those amounts from the XXXX, XXXX Chase business checking account. On XX/XX/XXXX we received a letter from Chase declaring that the investigation determined the transactions were processed correctly or was authorized. We contacted chase bank and requested the documentation of their findings, which we have not received. A second letter was received with the same results on XX/XX/2021 and the requested information was not sent with the letter.
Consumer complaint received 2021-02-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I contacted XXXX XXXX XXXX XXXX explaining that I never received a Notice of Disposition which is federal law UCC 9-611 ( B ). XXXX responded with a letter that I Disputed the accuracy of the account and that's not what I asked them for
Consumer complaint received 2016-10-28
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (AZ)

Cardinal financial has mislead our family so many times over the course of a few months while working with them to obtain our home loan. They have requested documents which are NOT required as this home is a VA loan and some documents simply do not even exist. We were approved based on accurate information we gave, then we are days from closing XXXX we are being told they now require documentation that was not initially required, nor is it a requirement of the VA funding process. Our family who is a military service family has already invested nearly {$1000.00} in this process. I want Cardinal financial to be held accountable for not only what they have done to our family, but also I would like for their offices to be investigated as we are not the only ones to have this happen. We have emails, and documentation including recordings ( allowed in AZ ) to further prove our claims. 

Thank you for your help in this matter XXXX and XXXX XXXX
Consumer complaint received 2021-04-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo drop the the ball when we asked for COVID relief on my daughters car loan there system when you call will hang up after you hold for 45min It has happened to me MANY times. The bank rep a Mr.XXXX says there no record of it. I asked for proof they wont give me any!