davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-14
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (NY)

My wife and I have a credit card with Chase ( in her name ) that had a {$9000.00} credit limit. We own a few small businesses and we needed a credit card to make some purchases and gave the card someone in our office to make the purchases. We told them to use the card until it reaches its limit. We expected the card to stop working when it reached it limit at {$9000.00}. Instead {$24000.00} in charges were approved. This is ok with us. We were investing into something and actually happy {$24000.00} was approved. 

Why we are complaining is that Chase now is reporting my wife as 245 % over her credit limit. This is not right if the limit was {$9000.00} the should not have allowed the account to reach {$24000.00}. We asked Chase to consider increasing the line to {$24000.00} or more than {$9000.00} and they have declined the application because this account is 245 % over its limit. Catch 22 basically if you can call it that. 

All we ask is they report the card as at its limit not 245 % over its limit. They refuse and now my wife 's credit score is poor when before it was good.
Consumer complaint received 2015-08-27
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

We were trying to get a lower interest rate. The bank should have offered us a refinance loan, instead of a modification loan. Our credit was not bad. It ended up costing us an extra 10 years at the same interest rate of 5.99 % plus {$7000.00} in closing coast.
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (MA)

barclay card, i had a charge on it that i told them i was disputing. i sent them all kinds of documents that showed i did not sign for the charge of {$2600.00}. because this charge brought me over the credit limit, i was paying {$200.00} a MONTH on INTEREST ONLY. i did this for over a year, finally while i kept telling them i did not sign for it, they would not straighten it out. i had perfect credit before i just could not pay this amount any more and told the credit bureau to close the account and put a memo on there that there was a charge i did not approve. but my credit has gone down to XXXX because of it. this has been a nightmare and no results. honestly, i do not feel this company is going to do anything either. but i am trying
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

there was a scheduled automatic payment debited to my account to pay my Santander mortgage but since XXXX XXXX I noticed that my bills were getting paid and the Santander bank account was overdrawn and the Santander checking account was charging me insufficient funds for {$35.00} and a week later they will charge me again sustained overdraft fee $ XXXX. I went personally to the Santander Branch several times to stop the automated mortgage payments to then choose a date that I know my XXXX Check is being deposited. Where then I know my bills are paid and I do n't get the overdraft fees charged on me. Ive been going and calling since XXXX XXXX. The Branch on XXXX XXXX, XXXX PA did n't do nothing to help me. The phone calls on XXXX made the Santander Mortgage sent me a document where they charged me {$10.00} to change the date of the automated payment from XX/XX/XXXX to XX/XX/XXXX. this form later I learned that it needed to be received, singed and sent every month. And so I continue visiting the branch to change this hassle. and no one helped. I received the letter to change the automated deduction on XX/XX/XXXX and I signed and sent it with the check. {$10.00}. Which I do n't know what I am paying that amount yet. And the mortgage still deducted my mortgage payment on the XXXX. this made my account to be overdraft again and now I have been " hit '' with a {$70.00} fees. When I went to the branch I talked to XXXX XXXX, to see if she can help me in the beginning of XXXX XXXX and she went on the phone to call the mortgage but she was helping other people at the same time and walked out I did n't knew if we were done talking or not, so I waited and then left.
Consumer complaint received 2015-04-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CA)

I did not open this credit card account and have informed the bank and submitted a police report and documentation requested by Santander Bank to that effect and submitted a dispute to transunion credit agency, but they continue to call me at work and home at all hours of the day and night. On XXXX/XXXX/2015 XXXX from Santander bank called at XXXX XXXX pst, and this has happened more than XXXX!
Consumer complaint received 2016-04-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO. (CT)

Receive a call from board and park XXXX indicating that I owe money for a providian credit card that was opened XX/XX/XXXX. They stated that my check would be garnished. I asked for something in writing. They said they sent it to me XX/XX/XXXX but I was just contacted on XX/XX/XXXX for the 1st time. They refuse to send me any written communication. I tried to look the company up on the internet and can not locate them. I 'm concerned about whom is trying to make an arrangement me with. Not sure if the company is ligit. They only gave me 4 days to respond with a decision if I was going to pay the remaining debt.
Consumer complaint received 2017-02-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Select Management Resources, LLC (WV)

loan max in XXXX has been calling me and my finances phone two to three times a day. we told them I will be making a payment this week and the lady called me today and said she needed to know what day I was making payment. I told her I would told them this week I was going to go get my check and I told her I did n't like that they where calling me many times a day and the lady yelled at me and said you made the loan so pay it. I think it 's really disrespectful and not appropriate to talk to your customers like that.
Consumer complaint received 2021-11-29
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)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of XXXX XXXX. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (OH)

I went to a local Chase Bank, in XXXX to find out what I needed to do to surrender my XXXX property back to them. I had tried to sell the property when I got new orders to my next assignment in XXXX. Unfortunately, the housing market was extremely poor for sellers. Thankfully, I have had tenants. But, now 3 years ago, my mom 's health was steadily declining, so I retired back to XXXX to see after her. She passed away this past XXXX XXXX. My retirement pay had to supplement the XXXX mortgage, etc as well as take care of me here in XXXX. I tried to keep up, but the stress was mounting so I decided to give the XXXX property back to Chase. The bank got me a copy of the letter to surrender instructions. I followed it. I contacted my tenants, through my property manager XXXX XXXX XXXX, to vacate the property as of XXXX XXXX XXXX so that Chase would receive the property as of XXXX XXXX XXXX. I made it clear that I did not want any monies from Chase, even though the property was worth more than I owed. Chase has yet to receive the property. They are continuing to try to keep me connected with the property, overlooking their error. I am stressed and tired and disgusted. Please help Chase to honor what was originally sent me. I complied. I released my tenants. There is no rent. Up to the XX/XX/XXXX, I had the monies to pay the mortgage. As of XXXX XXXX, no rent to pay for a property, I in good faith, turned over to Chase bank. The original instructions gave no hint that anything else was required. Please help. My retirement pay is just barely enough to take care of me in XXXX. Please do n't let them harass or bully me. Thank you for any help and guidance you can provide.
Consumer complaint received 2015-04-29
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Oxford Law, LLC (PA)

XX/XX/XXXX Oxford law llc contacted the father of my x husband and my half brother and disclosed the amount of a debt that they claim that I owe with XXXX XXXX which I do not. They disclosed I owe {$5.00}, XX/XX/XXXX and stated they asked my half brother to help pay if off for me. This debt is not showing on my credit report. The girl that talked to my half brother was trying to get him to pay half of the debt right now over the phone. I requested a letter in writing validating this debt which I have yet to see. They are still calling other people regarding this fake debt trying to find out other information about me such as who my boyfriend is and how they can contact him about getting debt paid. I explained this is illegal and read from the credit consumers Web site and they argued with me that it is not illegal. Then XXXX put a man on the phone and he started yelling at me that they have every right to contact people to collect their money to their office. I hung up after stating I am reporting their company to the attorney general office.
Consumer complaint received 2023-04-14
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. (NY)

After noticing an erroneous debt appearing on my Experian credit report in XXXX I called the name of the firm on the report XXXX XXXX XXXXXXXX XXXX. at ( XXXX ) XXXX and discovered they were a collections law firm representing a debt buyer for some company XXXX XXXX XXXX in the amount of XXXX. The problem was that it was not my debt. I never heard of them and they had no details whatsoever. I then submitted a dispute with Experian and the derogatory reporting still remains. Apparently Experian made no effort to have the case investigated and are taking the information from corrupt debt collectors over innocent consumers without having them provide documentation.
Consumer complaint received 2023-09-08
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (SC)

I paid off my title loan early on XX/XX/XXXX of 2023. I was told that my title would be mailed back to the Title Max store location at XXXX XXXX XXXX XXXX, in XXXX, SC... I was also informed that the store should receive it within XXXX business days. Here we are at XX/XX/2023 which just so happens to be my birthday... And I still have not received my title back!!!! The situation is unacceptable and uncalled for??? I don't understand who title XXXX thinks they are or who they are attempting to play for a fool. But I promise them it isn't me. I have attempted to contact title max XXXX times regarding this situation. The XXXX times I attempted to contact the store the phone number wasn't working. And the one and only time I contracted title max at their corporate office/ phone number. I was instructed to contact the store location. Even after explaining to them that I could not touch base with the store location. This behavior is unacceptable and inexcusable!!! My title should have been returned to me 6 months ago My patience has reached an end I have attempted to contact title max XXXX times regarding this situation. The XXXX times I attempted to contact the store the phone number wasn't working. And the one and only time I contracted title max at their corporate office/ phone number. I was instructed to contact the store location. Even after explaining to them that I could not touch base with the store location. So I have received no official response from title max as in the store location or corporate??? I have been beyond patient in this regard...
Consumer complaint received 2015-10-01
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (OH)

I had XXXX chase ink cards that were closed by chase stating " transaction on your account are inconsistent with expected activity '' Due to this closure I had lost all my Chase XXXX Rewards Points amounting to XXXX points. I have been using the card per the agreed terms and per the review of a Chase Compliance officer done back in XXXX XXXX, 2013 was within accepted parameters of the terms of usage of the card.
Consumer complaint received 2020-10-19
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. (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2016-05-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Adler Wallach & Associates, Inc. (TX)

I was reviewing a copy of my credit report and discovered it contained some errors. 
i am a victim of identity theft. i have no idea how the theft took place. i also have no knowledge of any suspects. i did not receive any money, goods, or services as a result of the identity theft. the information does not relate to any transaction that i have made
Consumer complaint received 2016-04-03
Product: Credit card — 
Issue: Rewards — 
Company: CITY NATIONAL BANK (CA)

XXXX XXXX Bank closed my card and withheld the more than XXXX in points I had accrued. Those points have a value of {$1400.00} dollars in airfare or {$1100.00} in cash statements. I want the value of those points, considering that I earned them fairly.
Consumer complaint received 2015-04-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

On morning of XXXX/XXXX/2015, I woke up to having my account overdraft XXXX times with the bank maximizing overdrafts fees. I called the customer service center to find out why the bank charged my account the higher transaction first. The customer service rep was rude and starting yelling at me, the bank does not stack transactions, the its policy to pay off the higher one first. I asked for senior specialist, the lady told me the same thing, bank pays off the higher transaction first. at the point i requested a manager. I explain to him by paying off the higher item first, chase was re-ordering transactions to clear the highest item first is not considered a neutral, chase was maximize overdraft fees is in direct conflict with FDIC. I told him the XXXX previous rep told me that same thing, bank pays off the higher item first. He tried explaining in a different way after i told him he was conflict with FDIC. The rep told me it was in favor for the bank to pay off the higher item first. I thanked for his time and ended the call
Consumer complaint received 2015-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (NY)

I was looking for a vendor to get a mortgage through. I of course went and shopped around to find the lowest interest rate/closing costs. I provided a quote from XXXX to Chase Bank. Chase Bank agreed to match the rate/closing. Throughout my entire time with Chase I have received lack of follow up, delays in obtaining my mortgage due to several Chase issues, my sellers lost their interest rate lock in due to Chase and the list continues. I am okay with how inadequate Chase was through the underwriting process, but I am not okay with the fact that they promised to match rates/costs and they did not. Chase overcharged me by almost {$3000.00} in closing costs. This is something my attorney uncovered. When this was brought to Chase 's attention I was assured that they would look at this and compare the costs again to ensure it was in line with the quote I initially provided, and would make sure this was updated prior to closing. At closing my attorney indicated nothing was changed, it was still the same and completely out of line with the other competitors costs. I contacted Chase who assured me they would work with management to get this resolved after the fact. I proceeded with closing as we were 30 days past original close date as is and my sellers were now at risk of losing the home they put a purchase offer on. I followed up with Chase on numerous occasions as of close date, with little response. Managers contacted me due to me escalating, and they too did not follow up with resolution as promised. I brought the closing costs to Chase 's attention on XXXX, it was still unresolved at my close on XXXX. I continued to dispute this with Chase from XXXX/XXXX/15 to XXXX/XXXX/2015. I have followed a couple times each week, or weekly without any type of response from managers at Chase. I looked up the VP in my area and sent a letter to her in hopes that someone would respond and return the money that was rightfully mine and not Chase 's. The contact I last received was on XXXX/XXXX/2015 from senior management resolution team at Chase indicating that my request was denied. I have plenty of documentation/emails showing the discrepancies and the promises to match. I am happy to provide any documentation needed.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Is regarding ExperianXXXX has been reporting on my credit report ... this has been disputed with XXXX since XX/XX/XXXX. Talked with Experian that XXXX refuses to give me ANY back up ( original date/what this was for etc ... ) Contacted experian each month to dispute again this is an invalid debt. Experian will refuses to remove from my credit bureau.. due to the fact that XXXX sends back in the portal it is a valid debt. How can this be a valid debt if there is NO documentation to back up the debt. Experian stated they will NOT remove and there is nothing they can do and it will be removed from my report XX/XX/XXXX. This is unacceptable that Experian can continue to report negative Unverified information. Not sure how this is legal for the credit bureaus to report false information and side with a collection agency vs the consumer on a debt that is NOT validPlease advise the next steps.
Consumer complaint received 2015-10-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I went to Chase XXXX XXXX and XXXX XXXX XXXX # XXXX located in XXXX XXXX, FL. I had XXXX salary check in the amount of {$3000.00} to deposit, plus a another personal check in the amount of {$360.00} to deposit as well. I went through the teller line at the window. I had no concerns about holds since I was below the thresholds and did not meet the requirements under Reg CC for the other reasons there may be hold placed on the account.Upon arriving home I reviewed my account online and noticed that I was only given the {$200.00} out of the {$3300.00}. I called the Bank and spoke with XXXX XXXX who told me there was n't anything they can do unless " I wait until tomorrow to see what happens, if I still need the funds Chase MAY call to verify funds. '' I informed XXXX XXXX that position was not in compliance with Reg CC funds availability requirements. He insisted that the notice on the receipt that " further review may result in delayed availability of this deposit '' suffices and that they do n't deal with these issues at the Branch only there Legal and regulatory dept do. I was informed that if I wanted they would return the checks do me and I can deposit this elsewhere. I returned to the branch to pick up my check Employees were totally ignorant of Reg CC requirements " they depend on the system '' to figure it out! I wonder how many other consumers they are fleecing in earning interest in overnight funds ( but not paying interest to the rightful owner of these funds ) by engaging in such practices. The only defense XXXX XXXX could give was that " they would never make funds immediately available against an unknown bank. '' Seriously? There are so many ways to verify the legitimacy of a Financial Institution that it goes to further show how desperately Chase need to provide training for its front line staff and ensure compliance. Please investigate and advise on their practices. They have a " I 'm to big to fail attitude and anything goes ... ''
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CT)

As of XX/XX/2024 Ive personally reached out to chime support by calling them to personally request an increase in my spending limit of the day. At that time I was currently about to purchase a vehicle a fake chime agent picked up the phone walked me through my whole entire account and stole {$2400.00} after the chime agent me through my account and stole my money. The chime agent hung up the phone. The next day I called back off another phone to chime agent, was still willing to steal money from Chime customers Ive been banking with Chime for the last three years. I felt like they was a trusted establishment until now I also called the chime back and spoke with someone they said that they were having this issue with their customers being being scammed yet still no one has helped me resolve this issue nor giving me my money back. I have proof of what will happen.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX