davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

The Chase ATM machine at XXXX XXXX XXXX. XXXX, CA XXXX ( AID # : XXXX, Term ID : XXXX ) is almost non functional and ate my money multiple times. 
What Chase does is that they ll issue a temporary credit and they ll deduct that amount few weeks later. 
Today I deposited {$1500.00} at XXXX XXXX when the ATM machine ate my money and gave me an error message and provided me with a phone number to call to solve this error. I will attach the scan of the ATM receipt. 

The amount is not added to my balance and I don't know what to do anymore. 

The last time that this happened a month ago, Chase at first gave me a temporary credit for {$600.00} and deducted it a couple of nights ago. 

They now owe me {$2100.00} that they stole from my via their faulty ATM. This is STEALING, THEFT. I am losing my mind how they could do this and get away with it. 

I am out of a job and my county is THE hotspot of COVID-19 in the country right now, Chase is stealing from me at worst possible time in mine and my family 's life. 

Please fix it and have these criminals return my money.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (KY)

A citi priority bank account was opened on my name. I would have to get that closed immediately. I was told there is an amount in the account. Around {$100.00}. I don't care what happens to the money. I just want the account closed and unlinked from me. That's all i want
Consumer complaint received 2021-01-12
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. (MO)

Hello Since XX/XX/XXXX, I have been trying to re-finance my home in order to shorten my mortgage at a lower rate and remove PMI from the monthly mortgage payment. I contacted 5 mortgage companies, including my current lender. 

Upon running my credit report, multiple lenders told me of a " Repossession '' and a " Repossession/redeemed  '' remark on my credit report that i was unaware of. 

The source of the " repossession '' remark is XXXX XXXX. I am a co-signer on an auto loan with my daughter through XXXX XXXX. In XX/XX/XXXX, my daughter lost her job  and ran in arrears on payments for the auto loan, which she had been making prior to that point. She did not tell me until XX/XX/XXXX that she lost her job and had been 1-2 months delinquent for several months. Once i became aware of the delinquency, I immediately contacted the lender, XXXX XXXX, and worked with them to bring the account current. 

As mentioned above, the auto was never repossessed. I have no record of any notice from XXXX threatening repossession, or any other notice with the word " repossess '' in it. Except for an engine repair, the auto has never left my possession or my daughter 's possession at any time. 

On XX/XX/XXXX, I spoke with " XXXX '' at XXXX XXXX XXXX XXXX to request that XXXX XXXX provide me with a correction of the errant repossession remark on all 3 credit reports. He gave me a Reference Number for my request. XXXX told me that they had 45 days to correct the bad information. I accepted that at face value, believing that period was calendar days. 

On XX/XX/XXXX, I spoke with " XXXX '' at XXXX. XXXX said that 45 days were " business days '' and not calendar days. XXXX said he would " expedite the request '' and that I would receiving something shortly. Again, I accepted that at face value. 

On XX/XX/XXXX, I called XXXX again and spoke with " XXXX '' at XXXX. I referenced the prior conversations with XXXX and XXXX, who once again promised escalation of the matter with a written result to be sent to me. Still, I accepted that at face value too. 

On XX/XX/XXXX, I spoke with XXXX and summarized my conversations with XXXX, XXXX and XXXX. XXXX said she would send me an email that would contain information I requested. 

On XX/XX/XXXX, I received an email from XXXX. The only contents of the email were contained in a grid showing the number of times payment was recorded as " 30 Days Late '', " 60 Days Late '' and so forth. There were payments recorded more than 60 days late. 

Throughout the period of time above, and immediately prior to the referenced calls, I have used my XXXX XXXX account to monitor the content of the 2 credit bureaus listed. Each time, and even today my credit report continues to show a remark indicating repossession on the XXXX XXXX loan. Again, the vehicle was never repossessed, and to the best of my knowledge there was never a notice received that threatened repossession.
Consumer complaint received 2018-04-20
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: Nelnet, Inc. (KY)

My issue is a credit reporting from the student loan company nelnet. They were not distributing my payments properly within their system to avoid me having a late payment on a group. I would pay more than the allotted amounts each month to them on their website and on automatic withdraw from my bank account over the past 4+years. This in turn caused my credit score to drop by 100 points with XXXX, XXXX, and XXXX. This is unfair and unethical to do to a client who is continually paying back on a loan. I work a lot and am very busy trying to make this money to always pay them back so I had no idea I was even reported or late until I had ran my credit report one day. All of my payments are current and up to date. Nelnet should have been properly handling my payments to avoid this.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX FI Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2019-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Comerica (CA)

On XX/XX/2019 my checking account with Comerica bank. I had over drawn my account {$500.00} they charged me {$35.00} for the over drawn. This some how reached to {$1100.00} I had my employer deposit a check for the amount of {$2000.00} and when I tried to retrieve money my account was already close. Then comerica bank send me a check for the amount of {$870.00} when I tried to contact them for an explanation regarding what happened with the rest of the money. Comercia states my account had closed for insufficient funds. For this I got placed on the check system for 7 years even though I paid them back.
Consumer complaint received 2021-01-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MA)

Restricted number has called a few times in the last 3 mos. leaving a message referencing my previous married name that I haven't held in over 10 years. The recording does state that a claim has been opened in my name and to call with no reference to who opened the claim and what type of claim. 

Finally answered a call and she stated I owed Best Buy over XXXX dollars from XXXX. I did a large purchase in XXXX and it was paid in full. The caller hung up on me after challenging her. 

I have no overdue credit cards on my credit report. She stated it could take this amount of time to report and the requestor just wanted an answer if I was going to pay or not. I said no because I don't owe anything.
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MA)

Over the summer we worked to refinance my house in XXXX, MA.The mortgage was shortly thereafter sold to XXXX XXXX  and there was no issue In XXXX it was sold again to Flagstar Bank. The loan agreement that I signed when we did the closing said that there would be a penalty if we did not pay the mortgage by the XXXX of each month. I always pay by this date which works better than the first of the month because of when our pay periods fall. I've been a homeowner for over 20 years and have never had a late payment. Ever since Flagstar Bank has taken over the mortgage, they call and harass us for payment before the XXXX ( most recently on XX/XX/2021 ). I've tried pointing to our loan agreement, but it has no impact. Isn't this a violation of the lending agreement? I talked to XXXX XXXX my closing attorney this morning ( XX/XX/2021 ) and she reaffirmed that the grace period is in the signed loan agreement. I want to make sure that there is no way for this to negatively impact our credit, but I also want to make sure the loan agreement is honored by the new lender.
Consumer complaint received 2021-04-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (NJ)

I am disputing and arguing the late payments that are being reported with this account on my credit report. I am really good at keeping track of my records and my credit has been perfect with the exception of these late payments that are falsely being reported. 

There is no way that I was 30 days late on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. How can I have been late 5 times?
Consumer complaint received 2022-10-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (GA)

I have a XXXX with PNC bank as of XX/XX/2022 with a {$100000.00}. On XX/XX/XXXX, I had a closing call with XXXX XXXX # XXXX. During the recorded call, he used language that suggested I draw the full {$100000.00}. The benefit would be the money 'not collecting dust ' and being accessible to me sooner with the opening of an account. I asked him on several occasions what the interest rate would be on the full draw amount. He stated I would have a XXXX month introductory rate of XXXX XXXX ( even if I chose a fixed rate product ). 

Do to his wording, I chose to withdraw the full {$100000.00} instead of the {$5000.00} I initially decided upon. After closing, I received a monthly bill in the amount {$590.00} which did not reflect the XXXX XXXX ( {$270.00} payment ) rate he promised. I called customer service for several days and no one could help me even though the rate was ( and still is ) reflected on my account. I sent XXXX an email with my concerns. He agreed that he saw the rate of XXXX and would get back to me. He later said I did not qualify for the rate due to me locking the loan. I would have never taken the full amount or locked the rate if he were more honest and/or knowledgeable of PNC 's products and caveats. 

Once it was determined that I would have a payment of {$590.00} vs. {$270.00}, I contacted customer service on XX/XX/2022. I specifically asked the agent what my payment would be if I were to put {$77000.00} back into the account. She spoke with her manager and told me my monthly payment would be {$120.00}. I funded the account with the {$77000.00} due to her words. However, my account still reflects an expected payment of {$590.00} for the XX/XX/XXXX bill. 

PNC made several false and predatory statements to me involving this loan. If the bank 's employees were honest and/or knowledgeable, I would have made other decisions surrounding my choice of lock, lender and draw amount. 

These unfortunate misrepresentations have been daunting to me and my family 's financial well-being. I am asking that you please assist me with this complaint. I can provide snapshots and the calls were recorded. Thank you.
Consumer complaint received 2021-01-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: JPMORGAN CHASE & CO. (WI)

My husband and I opened a Home Equity loan with Chase bank. We do have a valid balance, which I have been paying on time. I have even been making additional payments each month to expedite clearing the balance. However, when I logged into my accounts on Friday, XX/XX/2021 I noticed a withdrawal of {$20000.00} against this account. This is not a valid transaction made by my husband or myself. I immediately called Chase bank and logged a fraudulent claim. The claim # is XXXX. I called back later that day to Chase to tell them my XXXX report show this occurred at XXXX XXXX XXXX XXXX LA. XXXX XXXX shows this to be basically in the middle of nowhere. They did not seem interested. Neither my husband nor myself have left Wisconsin in the past two months. Today, XX/XX/2021 I received notification that my claim is denied, simply stating that the transaction is valid and we owe the money. I have sent an email requesting the details of this transaction and proof that it was executed by myself or my husband. The response is pending. I have just learned that I should have filed a police report and logged a complaint here, as well as with the Attorney General so am taking those steps. I have also requested this account be locked so no further transactions can be made against this account.
Consumer complaint received 2019-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NY)

After a payout from my divorce on XX/XX/XXXX I received a phone call from the Chase Branch in XXXX XXXX to tell me I qualified for as a Chase Private Client ( although at the time my balance was tens of thousands of dollars under the qualifying amount for this status ). I went to the bank and and they organised this change in status and switched all of my accounts over accordingly ( that included my going from an entry level checking account to an account which has no fees as long as there is a minimum high balance or other qualifying events associated with my accounts which this large deposit suddenly made me eligible for ). Several months later I decided to move most of my money to retirement investments and around six months after I qualified for the Private Client status, I received another phone call to tell me I was disqualified from Chase Private Client for not having a high enough balance in my Chase accounts. I had to return to the bank and have my accounts switched back to regular accounts becasue my low income and savings meant my minimum balances would generate fees. This was all taken care of by the person who was managing my Chase Private Client status. I have since had to purchase check books and so on for this account as anyone would with a regular account. Given my salary and savings, and after transferring my funds into my retirement, if I were to walk into the bank I would not qualify for this account. 

I did not realise, until today, that the bank for some reason did not change my checking account back to a regular entry level account when they took away the private client status and changed my savings account. I have been charged $ XXXX/month for my checking account becasue they funds have been under the minimum $ XXXX. I had no idea that they skipped changing my checking account when they changed my savings and happily took me out of their program ( for which I stopped receiving any benefits from back when I lost the status - i.e no free check books etc ). I called chase and they offered to refund 2 of the payments. I believe the bank should refund all of the payments of {$25.00} they have removed from my checking account since they made the error back in late XXXX. They said I should have read the fine print on every monthly statement becasue the conditions of my account are written in there. I was led to believe I had been switched back to my regular entry level account that I had before they changed it. 

I would like to initiate a claim for these {$25.00} payments. I believe the bank made a error and are are trying to mislead me into thinking it was my fault by trying to blame me using the " read the fine print '' line. It doesn't hold up in this case.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CO)

Two days after the broad student loan forgiveness was announced, I called my current student loan provider, XXXX, to get a refund of the payments I made during the pandemic. They calculated the payments to be a little over {$10000.00} and confirmed they can refund the amount. 

A week later I called back as instructed to check on the status of my refund and the representative assured me that it is being processed. 

A couple weeks after that I get a refund in my account of {$100.00} rather than the $ XXXX that was initially confirmed by the representative I was speaking to, which prompts me to call back to inquire about the remaining refund amount. I was told for the first time that they are unable to refund loans that were paid to my previous servicer so I will need to contact them, which I promptly did. 

From there I was sent back and forth between loan servicers multiple times. Both promising they can refund and when I call back due to inaction, both pointing the finger at the other, with the representative having no real information. MyFedLoan kept telling me they don't have any record of the loans I paid off with them. 

I was finally escalated to a supervisor with MyFedLoan who told me that my previous loans are in the middle of being transferred to XXXX, she told me she thinks my refund request triggered that action. When I called XXXX with this information, I was promised a {$1000.00} refund and when I called back about that a week later I'm told there is no record of that refund on my account. 

I have called MyFedLoan numerous times to reinstate and refund the loans I paid off during the pandemic. MyFedLoan refuses to reinstate and refund the loans I paid during the pandemic, which I am entitled to do under the CARES Act. Their reasoning is that they do not have any record of the loans that I paid off, despite providing me with the records. 

My current loan provider says they are unable to refund any payments made to my previous servicer.
Consumer complaint received 2021-01-12
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. (WA)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX A add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports.