davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WA)

We are Chase Bank customers. 

On XX/XX/2019, between XXXX-XXXX XXXX, I attempted to withdraw {$2300.00} from the ATM located in the Chase Bank branch located at XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , Washington . After the receipt prompt, the ATM screen abruptly changed. I did not receive a receipt. ( I do not remember what the following screen stated. ) The cash dispensing panel did not open nor did the ATM dispense any cash, I removed my debit card from the ATM and walked to the counter and told a teller that the ATM did not dispense cash during my transaction. The teller asked if I needed help and she walked me through the steps at the ATM but the ATM stated that the amount I was withdrawing exceeded the withdrawal limit. The teller checked my account and could not determine the cash limit I was permitted to withdraw from a Chase ATM and she was puzzled because the cash withdrawal limit is normally {$3000.00}. So, I withdrew {$2300.00} at the counter with the teller, not knowing that the ATM had debited my account {$2300.00} for cash I did NOT receive. 

On XX/XX/XXXX, my husband checked our account and noticed that we had TWO {$2300.00} cash withdrawals. He called the claims department and they stated that it would investigate it within 10 days. Ten days! It turns out that the ten days must be business days because one claims department employee stated that Chase Bank has until XX/XX/XXXX to investigate. Our mortgage is due tomorrow and we do not have funds to cover it because of Chase Bank 's error. 

Both my husband and I have called several times today, XX/XX/XXXX, to determine if we will be credited OUR money back to the account or charged for insufficient funds due to Chase Bank 's error. We also talked to a teller this morning at the XXXX XXXX branch and he stated he could not do anything to help us. We have been given conflicting answers about possible charges for insufficient funds due to Chase Bank taking our money and thus lowering account balance. We are under much stress worrying about damage to our credit rating, paying bills, receiving our money back, and charges for insufficient funds. This error was not our fault, except we trusted Chase Bank. 

Ten business days is a long time to sit and wait for an investigation when bills have to be paid. This is OUR money that was taken from us from Chase Bank. I feel this is stealing not only our money but our credit rating and peace-of-mind. We are not being helped by Chase Bank in expeditiously resolving this matter.
Consumer complaint received 2022-01-06
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: WELLS FARGO & COMPANY (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2020-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (HI)

My mortgage loan was transferred to PennyMac. They require an escrow account for property tax and property insurance. That would not be an issue if they were using collected escrow funds to pay my property tax and property insurance. However, they are not doing that such that I must pay myself out of personal funds. To date : 1 ) Property tax was not paid by the due date of XX/XX/XXXX thus incurring penalty and interest charges totaling {$85.00} plus a government record of delinquency. 
2 ) On XX/XX/XXXX I received a letter from PennyMac accusing me of not maintaining property insurance and threatening to buy insurance from a vendor of their choosing. This smells like a possible kickback arrangement given that I had insurance but they did not pay the bill from escrowed funds. 
3 ) Home insurance was not paid which was due on XX/XX/XXXX thus allowing coverage to lapse. To restore, I had to pay myself using my credit card. 

There is a saying, " 3 strikes and you're out '' and I fully embrace that in this situation. 

I can only wonder if they are using my escrow funds for their own benefit so that funds are not available when bills come due. I ask that you open a fraud investigation into what may be illegal use of escrow funds.
Consumer complaint received 2020-07-21
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: WAKEFIELD & ASSOCIATES, INC. (MI)

WAKEFIELD & ASSOCIATES COLLECTIONS failure to MOV, pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth by law
Consumer complaint received 2018-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Im trying to access my account through an ach program to pay for my training but Capital One has set up a block I guess as added protection, but its counterproductive because this application does that for me too so that my payment is secure. I just want in the future this not to happen.
Consumer complaint received 2018-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/XXXX I spoke with a bank representative regarding the pay off of this account. I was advised that the pay off amount was {$320.00} ( see attached Business Checking statement ) and in the new year I paid the full amount via my business checking account XXXX XXXX XXXX on XX/XX/XXXX. 

In XX/XX/XXXX I reviewed my tri merged credit file via XXXX and found that XXXX XXXX XXXX is still reporting this account when payment was accepted.
Consumer complaint received 2018-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX I spoke with a bank representative regarding the pay off of this account. I was advised that the pay off amount was {$320.00} ( see attached Business Checking statement ) and in the new year I paid the full amount via my business checking account XXXX XXXX XXXX on XX/XX/XXXX. 

In XX/XX/XXXX I reviewed my tri merged credit file via XXXX and found that XXXX XXXX XXXX is still reporting this account when payment was accepted.
Consumer complaint received 2017-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NC)

This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of XXXX. I filed a dispute requesting validation of the debt and account however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them. I have contacted this company and notified them that this was not my debt. I never owned a Macy 's card. Please validate this debt.
Consumer complaint received 2021-03-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (TX)

Southwest Credit Systems is repeatedly calling me XXXX almost daily ). I do not have any debts in collections and have seen the complaints online about this company. I never answer the phone, they never leave a message, I keep blocking the number, and they keep calling from a different phone #.
Consumer complaint received 2020-04-25
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: Experian Information Solutions Inc. (GA)

I was victim of identity theft and I filed a police report and sent it over to Experian twice in the last 60 day. Experian has yet to remove the information and I also heard nothing from the credit agency or data furnisher.
Consumer complaint received 2020-07-21
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: First Federal Credit Control, Inc. (MI)

FIRST FEDERAL CREDIT CONTROL failure to MOV, pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth bylaw
Consumer complaint received 2020-07-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (LA)

The collection appeared on my credit file with an inflated amount after XXXX XXXX XXXX promised to remove fees. I called the collection company in XXXX and spoke with the representative. The representative stated that even if I paid the incorrect amount in full that the collection would not be deleted/removed, thereby damaging my credit for 7 years. The collection rep stated that there was nothing I could do and my credit is going to have to be damaged regardless of whether I settle and agree to pay.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I sent my letter off on XX/XX/2022 I told the credit bureaus to 'investigate every piece of my information ' on the accounts I have listed below. 

Firstly according to the FRCA 15 USC 1681 every piece of informations on these accounts has to be 100 % accurate .Ac you can see attached on my credit reports still not reporting 100 % accurate According to the FRCA the term 'investigate consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquitted or who may have knowledge any informations. 

They stated my accounts as verified but how is that possible if they didn't do a proper investigation according to the law. 

Accounts XXXX ACCOUNT NAME XXXX XXXX  ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am XXXX XXXX XXXX XXXX and during XX/XX/XXXX my home in XXXX XXXX FL was destroyed by XXXX XXXX. My loan with XXXX XXXX was placed into Forbearance starting in XX/XX/XXXX. My home was repaired and livable again in XX/XX/XXXX. At that time loan modification paperwork was done to add the months of forbearance payments to the end of the loan. While the modification paperwork was being completed XXXX XXXX placed my loan in delinquent status showing it 120 days late. I started my payments in XXXX of XXXX during the time while waiting on the loan modification to be completed. I was informed that in XX/XX/XXXX that delinquency was an error and that the error would be corrected and that since it was a state of emergency and a natural disaster that the delinquency was a mistake. I have been unable to reach XXXX XXXX as it filed for Bankruptcy and since that time it has closed down and transferred my loan to XXXX. I have also contacted NeRez on XXXX XX/XX/XXXX to inquire if they could place an investigation into the negative post on my credit report.
Consumer complaint received 2024-05-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (VA)

This company, Diversified Adjustment Services, allegedly acting on behalf of T-Mobile for a debt listed in the amount of {$370.00}, did not notify me of any debt ( s ) owed to T-Mobile prior to reporting this debt to the credit bureaus. I have no prior knowledge of this debt and was surprised to receive notifications almost simultaneously of a new collection account being added to my consumer reports by this company. I was not provided any opportunity to validate nor dispute this debt prior to it being reported to the credit bureaus by this debt collector as Diversified Adjustment Services had not contacted me beforehand nor afterwards to inform me of the existence of any such debt in my name. This is a direct violation of my rights as a consumer under the FCRA and the only appropriate remedy is for this account to be immediately removed and blocked from any further reporting on my consumer reports. Failure to immediately remove this account subjects all of the involved offenders, including the credit bureaus allowing it to continue to be reported, to civil monetary restitution damages not less than {$5000.00} per occurrence in accordance with federal law, owed to the consumer, in addition to fines and fees for enabling and permitting the abusive debt collection practices being carried out by Diversified Adjustment Services.
Consumer complaint received 2020-08-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (FL)

Following application on XX/XX/2020 to refinance our existing mortgage with the same lender, we have been subjected to a series of faulty ( or nonexistent ) communication by NewRez representatives, atrocious customer service, and, at best, broken promises ( at worst, fraudulent representations ). Supplemental timeline and documentation are attached for reference. 

It should be noted that this is has got to be the easiest cash-out refinance request possible : two W-2 income borrowers who have owned their property for 22 years, who each have credit scores in excess of 770, and an LTV of under 70 %.
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

Letter was sent to Experian certified dated XX/XX/XXXX in regarding 1681g METHOD OF VERIFICATION Experian then sent a letter dated XX/XX/XXXX stating " Dispute Results '', stating they would investigate, Experian then sent another letter dated XX/XX/XXXX stating they verified with XXXX and Public record BUT never provided information as to METHOD OF VERIFICATION and that they were within the law to furnish I the consumer 's information willfully noncompliant to Title 15 US Code 1681g. Experian also provided a credit report to I the consumer and again I never gave Experian any permission to furnish my information executing fraud and identity theft. Experian has violated several rights protected by the FTC. Experian also has several items on the consumer 's credit report that were discharged in a Chapter XXXX bankruptcy as of XX/XX/XXXX. My well being has been affected by this several times seen and unseen damages. I have tried several times to correct this. I have uploaded violations to be addressed, reason being is I have been ignored several times and willful non compliance has been committed against I the consumer. I ask that Experian pay for violations, I ask that Experian execute every condition that I the consumer have requested under the pursuant to Title 15 US Code Trade and Commerce within the laws of the United States of America and that Transparency ( Executive Order 13892 October 9, 2019 ) be enforced.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (DE)

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX XXXX Account was paid in full and deleted but then reinserted.
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (AL)

XX/XX/2020 I have received a letter by mail from Transworld Systems Inc also known as TSI. stating that the information I provided them is not in their system and to please send them by mail my account number, how much I owe, and my social security number. The amount I owe is XXXX but my information is not attached to this amount or any amount for that matter. To my understanding if I owe this company money. They should already have this information in their system. Therefore Im disputing this debt due to the lack of information that they have on me. They only have my name and address. Ever since I contacted the company in XXXX of 2020. I have yet to receive any type of bill from them that I owe them.
Consumer complaint received 2022-09-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (CA)

Greetings, My name is XXXX XXXX. I am filing a complaint against Santandar Consumer USA. 

Account number : XXXX Santandar Consumer USA XXXX XXXX XXXX XXXX, Texas XXXX XXXX. 

I am one of many of Santandars predatory lending victims. 

I purchased a XXXX XXXX XXXX through XXXX in XXXX California. 

The amount financed was {$16000.00} an APR rate of 27.67 %. The total FINANCE charge was {$17000.00}. Total cost of vehicle {$33000.00} with monthly payments of {$470.00}. 

I have made payments totaling {$20000.00} as of today and only {$510.00} has went to the principal of the price of the vehicle. 

I have been paying on this vehicle for 5 years. From XX/XX/XXXX to now XXXX, and only {$510.00} has been applied to the purchase price. 

I am currently behind {$3200.00} and at risk of my vehicle being repossessed. I am currently being harassed for payment. 

My vehicle was 1st repossessed in XXXX, and gratefully I was gifted money to recover my vehicle. 

Since then, it has been a struggle to pay off this vehicle with a 79 month term with payments of {$470.00} a month. 

I was just made aware of Santandar 's lawsuit that settled a {$550.00} XXXXXXXX XXXX  lawsuit for Predatory lending practices by, in my case states that : The consumer who qualifies for this relief, A ) Defaulted on loan but not repossessed and will be given forgiveness and car title if vehicle was purchased between XX/XX/XXXX thru XX/XX/XXXX. 

In my case, I purchased this vehicle XX/XX/XXXX. Vehicle was repossessed in XXXX. I recovered vehicle and continued to struggle to pay off this vehicle, I am currently in default and at risk of repossession. 

I am in the one of the 34 states included in this lawsuit, California. 

I have contacted Santandar once I learned of the Class Action Lawsuit against them that had accused them of violating Business Code XXXX by using Predatory lending practices, Credit Score Modeling knowing consumers will more likely default on the loan and never be able pay the vehicle off. 

I spoke with several customer service reps, managers and the legal department at Santandar., to find a resolution for my circumstances since I qualify based on the underlying complaint along with my circumstances, they refused to help and demanding past due payments or the risk of repossession. 

I am filing this complaint because I am a consumer and victim of this scandal. 

I qualify for forgiveness of the remaining balance due {$16000.00} and car title along with removing all negative and derogatory points off of the XXXX credit reporting bureau 's. 

Attatched is my contract for this loan with Santandar, my account number listed on all 3 bureau 's and the complaint and settlement information for Santandar Consumer USA. 

If there is any additional information needed, I can provide upon request. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have submitted three letters to trans union and XXXX stating that information on the bankruptcy on my account was incorrect and needs to be removed immediately according to the fair credit reporting act. 

XXXX has removed the inaccurate bankruptcy after my second attempt but not trans union nor XXXX.
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (NC)

CHIME. suddenly close my account without any reason, last transaction i made was buying a pizza from XXXX! and i still have about {$25.00} left in my account. 

email attached to the account XXXX XXXX
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Two complaints for the same reason for two different credit card as listed below : -Capital One Credit Card : Date Opened on XX/XX/XXXX. Account Status : CLOSED XX/XX/XXXX. RE : Account Ending in XXXX -Capital One Credit Card : Date Opened on XX/XX/XXXX. Account Status : CLOSED XXXX XXXX RE : Account Ending in XXXX Actions : Account was closed at credit grantor 's request. Account was closed for no specific reason listed in terms and conditions. Closure resulted in negative remark on my credit report. Both cards were in good standing XXXX, XXXX, and current. I continue to pay a closed card and have not strayed away from my debt obligation with Capital One. However, this card was closed with no specific reasons. I filed a grievance with Capital One and all they can say is that it was an 'internal decision ' and they reserve the right to close the account. Fine! I can deal with that however they should not have the right to negatively impact my credit worthiness especially if I am paying on time and no derogatory remarks on my credit profile were ever listed by Capital One, not a 30, 60, or 90 remark since XXXX. My complaint is that I should not be held in a negative light since I have been making consistent payments to both cards and even paid off one card and I am continuing to pay more than minimum on the last card to bring down the balance to XXXX. Based on the FCRA, I feel that my right ( s ) has been violated.

**Attachment** XXXX Credit Report requested on XX/XX/XXXX | Highlighting Capital One Credit Report.
Consumer complaint received 2019-06-05
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: EQUIFAX, INC. (HI)

There is no sufficient information to support credit bureaus claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX