davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
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: JPMORGAN CHASE & CO. (NY)

I initially requested a refund with merchant CPA several times upon being deceived by them and given a predatory deal/contract. However, they refused to refund my money back to me, which was a refundable and a retainer for the amount of {$25000.00}. 

{$5000.00} of that {$25000.00} was charged on my card and the remaining balance of {$20000.00} was sent out via a cashier 's check to the merchant from me. After numerous failed attempts with the merchant I disputed the charge of {$5000.00} on my credit card to Chase Cardmember Services on 3 occasions between XXXX, XXXX XXXX, 2021 for that portion of my balance ( {$5000.00} ) that was made out to the merchant on my Chase credit card. I also filed a complaint with several other bureaus and news stations that are investigating this matter as well. 

Unfortunately, Chase ruled twice in the favor of the merchant although I supplied the contract showing that the {$25000.00} was a retainer fee that was supposed to be refunded back to me. The merchant supplied a receipt stating that there were no refunds after 3 days but that does not cover the retainer. The retainer is outlined on the contract as a refundable fee that is supposed to be paid back to me. Chase also went as far to inform me after the 2nd dispute that they would also be sending a notice to the credit bureaus to state that this charge was valid. They did not protect me as their client even with substantial proof of the contract outlining the refundable amount of {$25000.00} of the retainer. Instead, they stated that while I may have a valid complaint against the merchant, that the charge was valid. I was never disputing that I placed the charge to begin with. I was only requesting a chargeback/refund through Chase as the merchant refused to issue me a refund.
Consumer complaint received 2017-05-31
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (CA)

My for-profit school,  XXXX  College, was closed by the state for false reporting of job placement data. I applied for a defense to repayment with the Department of Education but was denied. I owe about {$55000.00} in loans. I have a business degree from a school that went out of business. I was promised lifetime job placement assistance but the company can not deliver on that promise. My credit is ruined and I now have Navient calling me every day to collect on money I do not have. You ca n't get blood from a rock. The weight of this debt is depressing and paralyzing. It is simply unfair for me to have to pay this debt when I have not been able to get a job in the field that I studied.
Consumer complaint received 2019-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My issue relates to a fee that was assessed for a service that was not rendered and which, according to the bank, it does not even have the capability to provide. When I explained all of this, they still didn't remove the fee, although agreed that no service was rendered nor could be rendered. I spoke with BofA agents XXXX, XXXX, and XXXX in XXXX New York regarding a {$30.00} stop payment fee on XX/XX/19. The fee was in regards to a request to stop payment request on a certified bank check. 

I made the request online. When I didn't see the funds from the certified check show up in my account, I became concerned, and I called the bank. XXXX, XXXX, and XXXX informed me that stop payment requests can not be processed on certified checks. I said no problem, but since you haven't provided a service and in fact can not ever provide that service per your bank 's policies, then please return the {$30.00} fee ( I can't pay a fee for no service ). If you can't do something EVER, then you should NEVER charge customers for that, because they don't know your company 's internal policies, and I tried to do business with BofA in good faith. 

They all lectured me, argued with me, and told me that fee was acceptable per the fine print of the terms and conditions. I feel tricked, I feel disrespected. I have been a customer for 14 years with Bank of America, and I will now be leaving that bank. Ridiculous.
Consumer complaint received 2017-05-31
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. (TN)

I opened student loans when I was XXXX years old in 2003. I have since paid all my student loans. I originally noticed student loan company 's had the balances incorrect. I disputed the balances and they were all adjusted to {$0.00}. As I started applying for my mortgage, I learned there is another person attached to my credit report. This man social, addresses, work history and other people information are on my credit report. As I got denied for credit cards because of my payment history of my student loans. I began to investigate and realized. XXXX XXXX is not reporting correctly. I asked for the debt to validated, I have not received that information. I also sent in information to the three credit bureaus, of the person student loans coming to my address. The same man who social, addresses and work history that blends with my credit report. I believe all the late payment XXXX is claiming I made are untrue. All my student loans are paid off and I want to go back to school. I am being denied at every turn for 14 yr old loans. The delinquencies, the remarks, are ruining my life. I need these off my credit report. I believe there were times when collections of my monies, were reported as missed when they were n't. I believe there may have been computer/debit issues, when I would make a payment. I believe some months my payment was n't late, I was in a deferred period. There is even proof of another person info being blended with mines on my credit report. I have proof of his student loan bills coming to my old address. There could have been times payments made may not have been applied properly.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I opened an Estate or Business Account in XXXX after my Mother passed away. I was assured by XXXX XXXX XXXX XXXX that I would be receiving interest in my deposits as required by statute. However, unbeknownst to me shortly after opening account my account reverted to everyday checking which I am told offers no interest. This is contrary to my instructions to banker as well as what I was told. You had no authority or consent to change my account without my notice/consent.
Consumer complaint received 2023-01-27
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. (MO)

In accordance with the fair credit reporting act, these companies 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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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.
Consumer complaint received 2021-09-03
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. (MA)

Today I received the attached my second attempt to receive the accurate and complete records on this HELOC but once again I got falsified documents showing that not only is Chase claiming I made a full year additional payments when I didn't but also reporting it to the credit bureaus. Attached is Trans Union being given fake payments I never made. I stopped making payments on that the end of XXXX XXXX  and can prove it with my bank statements when we get to court on this banking fraud. Presently XXXX XXXX XXXX XXXX XXXX is planning on selling my home with an obsolete primary mortgage and now trying to add this account to it, This account THIS COMPLAINT is for has never been sent to me any foreclosing or default notices, or anything else in attempts by XXXX to try and add it to the illegal foreclosure presently attempted on my home. THIS IS A NEW ISSUE OF BANKING FRAUD FABRICATING PAYMENTS I NEVER MADE AND REPORTING THIS FALSE INFORMATION TO THE CREDIT BUREAUS. CFPB NEEDS TO INVESTIGATE this FRAUD!!!!! see attached i marked the transaction history sent to me with fake payments marked off by a big x on both sides. see attached.
Consumer complaint received 2017-05-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

My home was purchased in XX/XX/XXXX, My Husband filed for divorce in XX/XX/XXXX I contested the divorce for approx. Three years my husband at the time refused to pay the Mortgage. I had a bank account that was inherited through my family which I used to help me with the mortgage. this bank account got closed by XXXX XXXX XXXX I had XXXX dollars at that time. I complained against XXXX XXXX XXXX nothing was resolved .My husband and I were divorce by Supreme court XX/XX/XXXX. I went into foreclosure I requested help from various agencies who contacted Wells Fargo who offered me a Modification for 40 yrs. my loan at some point was 22 yrs because of extra payments applied. The courts found my husband to be abandonment. and requested that I was awarded the home.Wells Fargo received all of the divorce documents also the quid claim deed.Removing my husband from the Title But not from the loan. I tried to file assumption I was told my X husband has to sign documents I do n't know where is. I tried to refinance I was told the bank do not work with 40 yr loans. Wells Fargo after paying them on time They given the credit reporting companies a very low score 0f XXXX so that I can not receive help any where.
Consumer complaint received 2022-08-10
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: AFNI INC. (NJ)

In accordance with the Fair Credit Reporting Act 15 USC, the company below has used my credit report illegally for collection which is not my account and damaged my credit score. This account appeared on XXXX credit report as of XX/XX/22 in the amount of XXXX AFNI INC. account # XXXX
Consumer complaint received 2019-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION (OH)

I am XXXX. I have XXXX children and a XXXX wife. Without my knowledge, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX filed bankruptcy and did something to my property. I escalated to HUD, and HUD asked me to contact FTC to file IDTheft, and also HUD asked me to contact the Federal Reserve with a reference number XXXX. Federal reserve directed me to consumer finance as Third Federal is associated with Consumer Finance. 

My home is under protection because of my case against XXXX. Third Federal Savings and Loan located at XXXX XXXX XXXX, XXXX, OH XXXX has provided me a six-month forbearance of no payment from XX/XX/XXXX thru XXXX XXXX, and I receive Third federal statement every month. Now, Without my knowledge, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX did something to my property Every minute we are worried about our home and my children can not focus on studies. Please help us recover my home.
Consumer complaint received 2017-05-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (AK)

I had a mortgage with Chase that I wanted to refinance. After locking rate and agreeing to proceed with Chase for the refinance, I was asked to complete forms multiple times. I was asked to verify the same information over and over again. I was asked to explain line items on my paycheck multiple times. Notably, my paycheck is military so should be easy to read or understand as all information is public record and easily found online, OR via the Chase department that deals with military and veterans. I was not provided information that I requested. I was not called back though I requested a call back repeatedly. Customer service ( resolutions ) contacted me several times, but they never seemed to know what was actually going on with the mortgage process, and often had incorrect information. I have participated in  XXXX  mortgages, either new or refinance, in my lifetime. I know what to expect. This process has been so painful. I can not get anyone at Chase to give me a date for closing even though they say they have all the info now. My banker is filing for an extension ( has been 60 days now ) and says they will have to verify my employment AGAIN ( this will be the 3rd time ). I have stable employment  (  XXXX   XXXX    XXXX    XXXX  in the  XXXX  ), a  credit score th at hovers around  XXXX , and most importantly, I have a history of business with Chase as this is a REFINANCE. I have had a Chase mortgage since    2003.  There is no reason this process should have been so awful for a simple refinance. I would like to walk away and chose another bank but at this point I have HOURS if not DAYS of my time invested. I feel like a hostage to Chase bank.
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX is XXXX to XXXX that this account is missing payments when this account is closed and paid in full. XXXX XXXX is repeatedly reporting fraudulent report and XXXX XXXX is fraudulent reporting the. This is repeatedly a problem.
Consumer complaint received 2022-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CO)

The incident happened XX/XX/2022. I was trying to transfer money to a friend who have Wells Fargo account. My personal bank is with key bank, for that reason I took cash to Wells Fargo. The clerk took {$2500.00} cash then put it his drawer. Then he told me he can not transfer cash. It has to be check. So I gave him another {$2500.00} on check. He told me since he already put the cash in the drawer he will deposit it in my person account. I agreed then asked a receipt for both the check I gave him and the cash he said he will deposit back to my account. The clerk and manager gave me two receipt, but both of them were for the check. I checked my bank account after XXXX and the money hasnt deposited. I went back to the bank on XXXX 2022. The clerk and manger agreed that I gave them the cash. Then they told me to come back on Monday the XXXX hoping they will give me the money back. Unfortunately, the clerk first denied for even taking a cash from me. But then both the clerk and manager said yes u gave us cash but we gave you back after an hour of conversation. They have been changing their word so many time which I decide to record on my phone. I have that for evidence and the two identical receipt they gave me.
Consumer complaint received 2021-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MI)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove them from my personal credit file. Thank you. 
ERC-XXXX-Balance {$600.00} ENHANCED RECOVERY CO L-XXXX-Balance {$600.00}
Consumer complaint received 2017-05-31
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC (FL)

I am past due on two payments ( total of {$210.00} ) with the compan y Mariner Finance i n  XXXX ,  XXXX  and let them know about a week ago (  XXXX   XXXX  ) that I 'd call to schedule my payments when I get my commission check. I recently changed my phone number (  XXXX   XXXX  ) because I live in  XXXX  now and none of my customers like to answer my  XXXX  cell number I had, plus I kept getting telemarketing calls. The day after I changed it, my older sister ( who was a reference of mine on my application for the loan ) texted me and sai d Mariner Finance  in  XXXX  called her and tried asking for my information. Then my sister-in-law called me and told me the same thing. In fact, my sister-in-law told me that the lady  XXXX  lied to her and said she needed my new phone number because she wanted to contact me for an interview. She blatantly lied to my sister-in-law to get my phone number. Then  XXXX  called me and left a voicemail, telling me she would take me to court if I did n't give her a call back tonight. I called her back and set up my payment for this week. I then continued to say how upset I was that they reached out to my references who did n't know and did n't need to know I had finance issues.  XXXX  then hurried off the phone in an unprofessional manner.
Consumer complaint received 2017-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (GA)

Southwest credit has harrased me on numerous occasions about a debt with  XXXX . I do not remember the ammount of debt claim to be owed because ive never owned a  XXXX  account. Furthermore the company is unwilling to show proper documentation ( signatures- original paperwork- invoices etc ) to prove anything otherwise. They wont even tell me the location of the accounts origination.
Consumer complaint received 2022-03-02
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. (TN)

Im writing in regards to XXXX, XXXX, and TRANSUNION Ive tried several times by mailing dispute letters to them because my personal and financial information is incorrect and I want it all removed. Since Ive mailed dispute letters and there have been any changes. Ive seen none at all.
Consumer complaint received 2015-12-01
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Centric Asset Management Inc (LA)

Company called my home phone number XXXX, asking to speak to XXXX XXXX XXXX about his father XXXX XXXX. I returned call to called named XXXX who identified himself as an employer of XXXX XXXX on ansering machine. I told him that my husband 's name is XXXX XXXX XXXX and we do not have a relationship with XXXX XXXX and to remove our contact information and direct any communications to XXXX XXXX 's mailing addressXXXX then began to get belligerent on the phone and call myself a liar and describe the house that belongs to XXXX XXXX. I attempted to inform him again that we would like to not be contacted again and asked for company name and address. He said he worked for XXXX XXXX and hung up. I then called him back several times on my cell phone XXXX attempting to once again obtain mailing address to send notification to not contact us in regards to this issue with XXXX XXXX. He then began telling my husband and myself at this time he would press charges and have us arrested for harassing his business and how we are liars we always see and speak to XXXX XXXX. Threatened my husband that he would call everyday until we told XXXX XXXX to contact them or they would come after us for the debt. The debt he then told us was because of a bank fraud and that we would be responsible for the money. I, nor my husband, are XXXX XXXX and this information should not have been disclosed to us and he would not use our home phone number as a reference because we only make calls with our cell phones. I contacted the Attorney XXXX XXXX in Louisiana and they informed me to contact FTC with complaint. I still do not have any contact information for the company. The called from phone number XXXX.
Consumer complaint received 2024-03-23
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc. (IN)

My dasher direct account was charged twice at a XXXX  and I did not use my dasher direct card. These purchases were on XX/XX/2024. I contacted the help line through XXXX  filed for fraudulent charges paid to block my card and ordered a new one. They emailed me stating that it was not fraudulent because it was a chip purchase but I did not use my card... I did use the company red card to make purchases for customers the day prior which was the only XXXX purchase I have ever made. I spoke with a representative and she just kept telling me that I was paid for the dash which was not even my concern as I was calling about purchases I did not make. After getting nowhere with her I asked to speak with someone else and recieved a call asking for my information and a screenshot on the charges and he would call back and never has. I am out {$68.00} for the charges I did not make and {$5.00} for a new card. Plus not being able to use the money in my account until the new card arrives.