davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (OK)

I closed my Chase small business checking account in XXXX, 2020. The customer service staff confirmed it was closed over the phone. Prior to this, I had moved all my vendor subscriptions to use another checking account debit card with another bank. 

I later received a letter from Chase that my account had been overdrawn which couldnt have been possible seeing as it was closed. Upon further research I discovered that Chase had not fully closed my account, but instead had allowed a charge in the amount of {$10.00} for an old vendor I had forgotten had been linked to my debit card. I expected that if there were any online vendor subscriptions that they would be declined since the account was closed. 

This then cascaded to Chase adding insufficient funds ( NSF ) and overdraft fees and monthly service fees on top of it. I later attempted to resolve the issue by contacting Chase and I paid the amount the vendor charged to Chase over the phone, but that I didnt feel the added fees were fair or ethnically based since I had been led to believe the account was closed and went through every reasonable effort to ensure it was. Their customer service said they were unable to help and do anything and I felt powerless and defeated just to try and get someone to understand what happened and how its not acceptable to treat small businesses like this. The reason I closed my account is due to my small business struggling during the pandemic and I couldnt afford to keep the balance amount to their limit in order to waive the monthly fee so I found a local bank that offered free monthly checking accounts instead as I had lost a lot of business. 

I received another letter which shows they sent the account negative balance to their collections department in the amount of {$80.00}. Since the last correspondence letter in the mail, I moved several times last year and have not received any other communication.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (LA)

I sent a certified letter to Equifax on XX/XX/2021 notifying them about the violation they made with my account in accordance to the XXXX law XXXX XXXX XXXX XXXX Permissible purposes of consumer reports code which says that any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ; ( XXXX ) In accordance with written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave Equifax any written consent to report anything on my consumer report pertaining to a bankruptcy, no consent is identity theft. 

For their convenience I also attached a copy of the law to the letter. They then forwarded a letter to me stating that regardless of what the XXXX law says, that the information will remain, further violating the law. Just to clarify things I am not a lawyer, and I am not a credit repair company. I am the actual real life consumer making this complaint. I am a well informed consumer that can read and comprehend law. This item XXXX BK CT EAST DIST MIC XXXX needs to be deleted immediately or I will pursue legal action against Equifax.
Consumer complaint received 2020-10-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC. (CT)

The company involved ( XXXX XXXX XXXX XXXX, CT ) pressured me into buying a used XXXX XXXX at XXXX miles. They explained that the car was like brand new and had no issues. Unfortunately, the car did not even last 3 1/2 months. I have always taken good care of used cars, but this case was different. They took no responsibility and were rude to me whenever I tried to bring the car for a checkup. They even tried to tell me to get out and to have " a nice day. '' I brought the car to them about 6-7 times in a 9-month time-frame. They never helped me at all even though I offered to pay. The final time I brought it, I brought in my XXXX XXXX XXXX XXXX to fix a broken XXXX and a XXXX XXXX leak. The day after they " fixed '' it, it completely failed and stopped working. They were rude to me and told me it was my fault and kicked me out. I was left with w broken car with {$7100.00} still due to the bank. They refused to help me and sent me away. I spoke to fellow customers who told me similar stories. As soon as you buy the car, they force you to do a survey for a free oil change where they make you sign a 5/5 star review on XXXX. This review should be more like a 1/5. Bad Customer service and very bad XXXX
Consumer complaint received 2020-12-08
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: M&T BANK CORPORATION (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, M & T BANK DIRECT add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-26
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. (CA)

I've recently checked my credit report and realized I had several accounts reporting on my credit files that don't belong to me. I have zeros knowledge how these fraudulent accounts got on my credit file. 

1. XXXX XXXX Account XXXX XXXX XXXX Account XXXX 3.XXXX Account XXXX 4.DeptedXXXX XXXX 5.XXXX  Account XXXX
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I was in bankruptcy around XX/XX/XXXX. My mortgage was placed in my bankruptcy on XX/XX/XXXX. Money was withdrawn from my check to pay my mortgage due to Volunteer wanting to include it in my bankruptcy for the trial period. I PAID MY MORTGAGE EVERY MONTH FROM THAT DATE THROUGH BANKRUPTCY UNTIL XX/XX/XXXX. I WAS ABLE TO TAKE UP MY OWN MORTGAGE AFTER THE TRIAL PERIOD FOR THE Reaffirmation Agreement. So my credit should not reflect a none payment for all of the months!! I was told that I needed to dispute the report through the credit agency however you all are still reported non payments. I have a total of 14 none payments when it should be 3.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

In XX/XX/2020 I applied for a 3 month forbearance due to COVID-19 and was approved. During this time I received letters saying my account was past due. I called repeatedly and they told me to ignore the letters, I was in forbearance. In XXXX I said I could resume payments and closed the forbearance both online and over the phone. I resumed payments in XXXX as scheduled. Loancare/XXXX sold my loan to XXXX in XXXX with first payment due to XXXX  due in XXXX. When I called XXXX, they hadn't received any of the info on the forbearance or deferment from LoanCareXXXX I attempted to pay in XXXX, but was told not to because it would be considered a partial payment and they could not accept it. Same in XXXX. I had to defer additional payments in order to get the account current. 

In XXXX LoanCareXXXX reported my account as 60 days past due even though I had an approved forbearance, causing my credit score to go down 139 points. I spoke with a representative on XX/XX/2020 and he said they have no record of anything regarding the forbearance or deferral and it should not have been reported as past due with an approved forbearance. I disputed the late payment report with XXXX 

I am unable to do a refinance to a lower rate which would lower my mortgage by {$500.00} per month due to this inaccurate credit reporting.
Consumer complaint received 2021-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (NV)

Someone in the XXXX Texas area is opening accounts under my name for electric services and cable ... i have all ready call the collection depts and the companies. also called XXXX XXXX and XXXX of what is happening ... .the only identification i get is when they already did the damage and hear it from debt collectors ... .Dont understand why it keeps happening if someone is using my SS number.
Consumer complaint received 2021-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (DC)

Today, XX/XX/2021, I called Transworld Systems Inc. in order to get their address. I was requesting the address in order to get proof of a debt. XXXX XXXX refused to give me the address. I believe her actions are in contradiction with the regulations regarding the collection of debts.They may be reached at XXXX. 

Thank you
Consumer complaint received 2021-04-29
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (HI)

Attempted to trade in my 2010 XXXX XXXX XXXX that is financed through Exeter Finance. I have had consistent payments throughout my contract. When the dealership ran my credit, on my credit report it said Exeter finance 90 days past due and it said my car was up for repossession. Even on the website for Exeter finance it shows I made payments and I have been consistent with 20 payments since Ive had this car.
Consumer complaint received 2020-10-24
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. (MI)

I checked my credit report back in XX/XX/2020 and noticed several inquires on my credit report that i had no knowledge of nor did i authorize, and came to the realization that someone may have stolen my personal information. I contacted my local police department and was told, since no fraudulent accounts were open to file an identity theft report with the FTC and submit it to the credit bureaus to bring any fraudulent activities to their attention and to get them removed. i have mailed a copy of my ftc report using certified mail to equifax and XXXX twice since XX/XX/2020, using the tracking numbers from the mail receipts i was able to verify both times that the letters were received by these agencies. still to this day ( over 3months later ) i have not received any rersults, or status updates from these agencies. i have called these agencies several of times and have got diffrent stories each time, including we never got the letters, we are still working on your disputes, and then again we never received your disputes. i will upload the receipts and tracking numbers from the united states postal service proving that i indeed mailed my forms to these agencies and that they received my documents both times, i will also upload a copy of my federal identity theft report along with my state id and social security card so that these agencies can do the jobs they are paid to do and not falsely close this complaint out due to not being able to identify me
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I recently had a checking account with J.P. Morgan Chase Bank. It was opened XX/XX/2021 and was closed shortly after, abruptly and with out notice of any kind, on XX/XX/2021. There was a total balance of XXXX in the account at the time of the closing. This money that i have worked so hard for, was suddenly taken by the very institute that i had entrusted it with. I encountered great difficulties on behalf of Chase Bank and its associates when i attempted to inquire as to why my checking account had been closed and why my money has not been returned to me. Their response was that it was a business decision on behalf of Chase Bank to close my account and discontinue our business together, and they could say no more to that matter. Fair enough. Frankly, i had no intention of continuing any business between Chase bank and myself, either. The unprofessionalism and lack of respect for the private property of their customer has left a bad taste in my mouth, so to speak. I know well enough not to do business with companies that behave in such a manner. My main concern is my money that they have kept from me to this day. When i inquired as to why they had taken and continually refused to return my funds, they responded firstly, that the money was issued from the Unemployment Department of the govt, so therefore it had been returned to them and the bank no longer had the funds. I responded with, first of all the money was not issued by the unemployment department, that is completely inaccurate. Of course they did not listen and continually tried to tell me where MY money had come from. So i called the Unemployment Department and asked them to verify that the money was not from them. They not only verified that the money was not from them but that they had not received any money from Chase Bank. Even though Chase Bank had specifically stated that my money was " returned '' to the Unemployment Department, that fact is, the money never left their hands. When i called and told them that i had spoken to the Unemployment Department, they relentlessly and continually stated that they did not have the money and that it was in fact returned to the bank accounts they were transferred from, even though a a lot of the money had came into the account as cash deposits and that they could not tell me which banks the money was sent back to. The very last time i spoke to them, they had once again changed their story and stated that they did have the money the whole time and that they were keeping a hold on the funds during which they will undergo a verification process. I am running out of patience, and i have been very patient and cooperative with them, only to be treated with, to be blunt, downright disrespect. I simply want these games to end, and i want my money to be rightfully returned to me.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (IN)

On XX/XX/2020 a DISCOVERBANK account ending in XXXX with an available credit limit of {$14000.00} was removed from my credit report by all the agencies. On XX/XX/2020, it was reported that there were two payments made automatically by XXXX XXXX without approval. On XX/XX/2020 a charge of {$74.00} and on XXXX a charge of {$200.00}. These were not supposed to be charged to the Discover credit card ending in XXXX. A dispute was created, but as of today, this account and its available credit limit and the time I have had it has been removed, thus reducing my overall credit score. I have spoken to Discover Card and they could provide no information. After numerous attempts to file a dispute with XXXX, I could not file a dispute to end this and put this credit back onto my score reports. Please assist me! 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CT)

All of our business accounts held at Chase bank have been frozen as of XXXX. A letter was received by one of the account holders requesting a review of their information to verify social security etc. The account holder contacted the number on the letter and verified the information and was informed our business accounts are in good status. We attempted to use our debit card and it was declined on XXXX. We then tried to transfer money between accounts and discovered we were locked out of all 4 of our business accounts with Chase bank. On XXXX we went to our local branch of Chase bank with the issue. I became aware that this was done under the premise of the Know Your Customer law. XXXX XXXX XXXX has held our business accounts with Chase bank upon our formation 10 years ago and we provided identification verification on XXXX. We were informed that it would take 48 hours to remove the freeze from our account. As of XXXX XXXX  on Friday XXXX our local branch manager contacted me after I had contacted her earlier that day as the accounts were still frozen. She was informed that Chase has a backlog to review and verify what was submitted and our account may be frozen for 2 more days. We are a small women owned accounting and bookkeeping firm that is now unable to pay our vendors, our employees and ourselves and at the mercy of this large bank.
Consumer complaint received 2020-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA (OR)

Funds from sale of our home were deposited into Marcus-Goldman Sachs ( hereby Marcus ) savings account in XXXX. It was indicated to Marcus that this will be used in the future to purchase a home in XXXX - hence the account is labeled as " XXXX Marcus ''. 

A first attempt to transfer funds ( {$120000.00} ) to a 'personal account ' at XXXX XXXX XXXX , listed in my name, was made XX/XX/XXXX. This was reversed by Marcus on XX/XX/XXXX. 

A 2 hour phone call was made ( long distance from XXXX ) on XX/XX/XXXX. I was told, after having given all the security information, as well as participate on a conference call to XXXX XXXX XXXX XXXX, that it would be 1-3 business days for these funds to be transferred. To date, XX/XX/XXXX, no funds have been transferred. 

Note, I asked why it would take this time since I had already linked the accounts. The last representative I spoke with indicated it was because I had asked to have the account closed after the transfer was made. 

My 2 hour phone call consisted of dropped calls, being transferred to at least 6 different employees, whereby I was made to repeat myself. I am now having to make plans to fly back to the states to make sure these funds are transferred. I have paid earnest money on a home in XXXX, that I will lose, if I can not come up with the remaining amount within the agreed upon timeframe. 

One last note, I am currently using a cell phone that works in XXXX. In wanting to keep my account updated, I had attempted to add an alternate number, but their software does not allow for a overseas/XXXX  phone number. 

I have statement photos of transactions, etc. as well as audio, of information noted above. 

With Respect, XXXX XXXX
Consumer complaint received 2020-10-24
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. (GA)

We completed our loan Forebearnce in XX/XX/XXXX and submitted our initial Loan Modification paperwork to XXXX in XX/XX/XXXX and were stalled with lagging, discriminatory tactics and have reported our account as delinquent although we made the 3 Trial Plan Payments which equated to the full Payment amount which we would be charged after the Loan Modification was completed in on purpose Lag time, as we had to contact the Veteran Administration Affairs on several occasions due to the retaliatory tactics utilized by  XXXX when our loan was transferred to them in XX/XX/XXXX while we were in Forebearance with XXXX. Loan Modification Paperwork was requested to be resubmitted in XX/XX/XXXX as well, although they initially submitted received our Loan Modification paperwork in XX/XX/XXXX, as I was previously informed by XXXX Mortgage prior to transferring it to XXXX, that I should submit my Loan Modification 1mth prior to the end of the Forbearance Period, in which we completed.

Upon finally receiving an approval via phone on a recorded line, we were told to make our 3 trial Payments of {$4800.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and should have been reported to all 3 Credit Bureaus as timely payments. They were not late because they were paid on time and we should not be negatively impacted due to XXXX  Discrimination Tactics exhibited towards XXXX XXXX-XXXX  attempting to Refinance. XXXX strategically and systematically discriminated against us during the loan modification process to include the interest rate of 5 %! and subsequently the Trial Payment period which we completed on-time. Also, upon the completion of the Loan Modification approval, the account should  have also been updated as current starting in XXXX as well. These bait and switch tactics are illegal and should be investigated by SEC, FDIC, FTC and the Veterans Administration.
Consumer complaint received 2020-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (GA)

I had to file a complaint due to me applying for a deferment caused by covid-19 after filing the complaint Loancare placed my loan on a deferral. I received a letter on XX/XX/2020 stating loancare had spoken to me about the approval of the deferral agreement, not once have I spoken to anyone who has been handling my deferral. no one has called me nor has anyone explained the deferral to me not one person has talked to me about any dollar amounts that would be deferred on the back end of my loan. I read over the letter that was received on XX/XX/2020, loancare is trying to charge me for 4 past due payments. I have only been late 3 payments which started in XXXX, XXXX and XXXX of 2020 I have not missed any other payments. I started back paying my loan in XX/XX/2020 which I sent a letter and email as well as fax letting Loancare know I was able to resume my payments. I also filled out the paperwork that was sent to me in order to approve my deferral not once after filing the complaint and sending all my information, Loancare has not called me not once. The only calls are the calls I made to loancare speaking to representatives who could only tell me my loan was being processed and someone would contact me, that day has never came. Now loancare is trying to charge me {$15000.00} for 3 past due payments that is {$690.00} per month including taxes and insurance. My total past due 3 payments are {$690.00} times 3 missed payments is {$2000.00} so why is Loancare trying to charge me {$15000.00} on the back end of my loan? This company is a complete fraud. My documents below shows I have not spoken to anyone in that department who would have explained my deferral before mailing out a letter on XX/XX/2020 which I received on XX/XX/2020