davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (OH)

In XXXX I deposited two insurance checks into a Money Market Savings account in XXXX   XXXX. Money began to be removed from the account other than me requesting the removal. A year later in XX/XX/XXXX the account was empty. I have used lawyers, and other legal agencies and each time the avenues I used would look into my case and they were told the case was closed when in fact I never was told anything or even sat down with any bank official with my bank papers and explained the numbers. Not one bank official called me to ask if I considered my case to be closed. 
It appears a bank manager at XXXX XXXX / Chase bank in XXXX, Ohio took it upon himself to say without investigating my story that my case was closed.
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

My paypal account hold my fund for 180days for bo reason. I already tried to send messages kn them but still they dont want to restore my account.I dont have any money to use now for my family. I am a single mother and jobless now.All my money is in my paypal balance.Now i dont know where to find money for our living. And I have a lot of of debts that are unsettled.There are also times that i am loosing hope and want to commit XXXX  because of my financial problem.
Consumer complaint received 2018-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I was declined credit due to a an unpaid balance, as I was not aware of any unpaid balances I ran my annual credit report. I found this on my report : I C SYSTEM INC Potentially Negative potentially negative icon show account button Account NameI C SYSTEM INC Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$8600.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$8600.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Original Balance {$8600.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX This is for someone else entirely, I've never used XXXX, I've actually had a company paid phone since XXXX, and it's with XXXX XXXX. In addition, I've used XXXX XXXX ( now XXXX ) for internet since I've had internet.

I have over 7 lines of credit going back 7 years and not one late  payment, and I typically pay my full balance unless it's during a promotional zero interest period. 

Please let me know what to do as this is VERY unsettling. Thank you SO much! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC (GA)

On Friday, XX/XX/2018 I contacted a creditor that I owed. The company name is XXXX. I called trying to pay out an account I had with them but i was told another agency was handling my account and to call them. The company that was handling my account is XXXX XXXX XXXX. I called and I informed the lady that I needed to pay out the account. She said the balance was {$700.00}. I said okay and then I said to her I see this is not been reporting on my credit report and she said No it isnt. I proceeded to pay the money and she said it declined but that she would run the card again the next day which was Saturday. I said okay. She stated she would send an email and confirmation when it was done. Saturday morning I checked the account and the pymt was made yet I did not receive an email or confirmation from them. Approx 1-2 hours later I received an alert from XXXX XXXX indicating a new collection was added to my account. I logged in to see that this company had reported it to my credit reporting agency as an unpaid account as of XX/XX/XXXX. As a result my credit score dropped over 34 points causing me delay in trying to purchase my first home. Prior to Friday I had never heard anything from this company. No phone calls or letters. It was not on my credit report until after they got their money. This company reported false information not by accident but knowingly they put false information on my report causing me harm. This company should be fined because they violated the FDCPA LAW which states if a company puts false information on your credit report knowingly this is a violation.
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST FINANCIAL BANCORP (TX)

This issue has been going on for so long that I can no longer keep details straight. Late XXXX/early XX/XX/XXXXI moved funds from an external account to my FFB account in order to XXXX  out the balance and close the account ( due to moving XXXX miles away and being unable to reasonably bank with FFB any longer ). I was then communicated by FFB through their online messaging center that I just needed to send them a message and they would close my account. Weeks later, a bill was somehow taken out of the account because FFB did not close my account as promised, and I was charged a fee. I either paid the fee or it was waived, then I was told AGAIN that the account would be closed once XXXX out, which was done. It has been over 8 months and I continue to receive statements, harassing calls, telling me I owe them HUNDREDS of dollars in fees. This is beyond abusive at this stage and completely out of line. How can a bank get away with not closing an account when asked to, time and time again? I'd spoken to a branch manager about this at some point, raising frustrations, concerns, and sheer panic. I moved, I needed to end my relationship, there's no reason to abuse me by forcing me to maintain an account with them and charging me fee after fee after I XXXX the account out and asked them to close it out, as I was instructed to do. I'm completely at a loss at what to do and demand that all fees be cleared off of me.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I believe SYNCHRONY BANK violated 15 usc 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. In my case SYNCHRONY BANK revoked my credit. Shown in exhibits.

I believe SYNCHRONY BANK is civilly liable for their action 15 USC 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a ), except that in the case of a class action the total recovery under this subsection shall not exceed the lesser of {$500000.00} or 1 per centum of the net worth of the creditor. In determining the amount of such damages in any action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional. Shown in exhibits.

Fact, SYNCHRONY BANK did not get authorization from me the original creditor pursuant to 15 usc 1602 ( g ) to close my account and take my credit away pursuant to 15 usc 1602 ( f ). I believe the credit grantor/debtor does not have the same authority as the original creditor. Shown in exhibits.

Fact, SYNCHRONY BANK violated 15 usc 1602 ( p ) unauthorized use of my credit card which is my social security card 15 usc 1602 ( l ) because I did not benefit from the consumer credit transaction that I authorized on XX/XX/XXXX. I believe SYNCHRONY BANK is criminally liable for their actions pursuant to 15 usc 1611 ( 1 ) willful and knowing the original creditor did not give authorization to close account. Shown in exhibits.

This is my second affidavit of truth being served to Synchrony Bank my first affidavit has been ignored. File uploaded will include my first and second affidavit.
Consumer complaint received 2018-09-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

This is in response to my initial complaint XXXX regarding mortgage discrimination by Chase. Despite writing to the executive board, nothing was done other than get some random person to call me and say they received my complaint. Nothing was done and they still refused my loan. No review of their practices of discrimination, no accountability, not even the bare minimum of refunding the charge they made for conducting an appraisal. 
The bank lied to the CFPB when they said they were looking into the matter. Loan manager XXXX called me two weeks ago and said they could not honor the loan terms they provided me in writing. They are still demanding 18 months of reserves despite other big banks and credit unions confirming that 6 months was the industry norm for someone with my credit score and financial situation. 
I have a document from them with loan disclosures they have agreed to but now refuse to provide. Nothing has changed in my financial situation. Why do banks get to behave like XXXX with no accountability?
Consumer complaint received 2018-09-19
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc (CA)

-Continuous calls from random numbers even though I told them I have tried to get finances in order so that I can actually pay. Called family members using the same language. Refused to tell me the organization they were calling from. Continuous calls very early in the morning.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (AL)

Why is self lender reporting a closed account on my report that has been handled. Not only showing the account as open when it is not they are also reporting a incorrect balance. If the loan has been paid off since XX/XX/XXXX and closed
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SUNCOAST CREDIT UNION (FL)

I believe SUNCOAST CREDIT UNION violated 15 usc 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. In my case SUNCOAST CREDIT UNION revoked my credit. Shown in exhibits.

I believe SUNCOAST CREDIT UNION is civilly liable for their action 15 USC 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a ), except that in the case of a class action the total recovery under this subsection shall not exceed the lesser of {$500000.00} or 1 per centum of the net worth of the creditor. In determining the amount of such damages in any action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional. Shown in exhibits.

Fact, SUNCOAST CREDIT UNION did not get authorization from me the original creditor pursuant to 15 usc 1602 ( g ) to close my account and take my credit away pursuant to 15 usc 1602 ( f ). I believe the credit grantor/debtor does not have the same authority as the original creditor. Shown in exhibits.

Fact, SUNCOAST CREDIT UNION violated 15 usc 1602 ( p ) unauthorized use of my credit card which is my social security card 15 usc 1602 ( l ) because I did not benefit from the consumer credit transaction that I authorized on XXXX. I believe SUNCOAST CREDIT UNION is criminally liable for their actions pursuant to 15 usc 1611 ( 1 ) willful and knowing the original creditor did not give authorization to close account. Shown in exhibits.

Affidavit is attached in file upload so please respond quickly. Default file was two large to upload but was sent in the mail by usps.
Consumer complaint received 2021-02-10
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. (AZ)

This account is in error and the credit bureaus are just doing the same old thing over and over again, and it is just tiring. I disputed the information and it came back verified even though the information was incorrect. As showed in the picture below the date opened for for all three bureaus are wrong, the account balance is wrong, and the date last active is just wrong. I wasn't even in XXXX all of XXXX, I have been living in XXXX since the end of XXXX. I'm in talks with a new potential employer and due to their requirements I can't have any collections on my credit report.
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX a deposit of {$2700.00} was made into my checking account. I did not make the deposit, neither did my husband, who also shares this account. The same evening I called to report the deposit and spoke to a Chase rep who put me on hold at first and later said the money was meant for my account. I took no further action believing the bank would discover its error and correct it. The deposit slip was from some immigration company and the deposit was for an insurance company. The deposit image is no longer available for me to copy and submit. On XX/XX/XXXX upon logging into my bank acct I noticed a XXXX balance in my checking acct and a balance of {$230.00} in my savings acct. I spoke to three people in three different departments and I was told the {$2700.00} was deposited in error and debited from my checking acct, however the amount of {$2200.00} was transferred to my checking acct for overdraft protection. I was told the money is " on hold '' until XX/XX/XXXX. As of present I am missing {$520.00} from my checking account and {$2200.00} from my savings acct. My desired outcome is to have this money restored back to my acct immediately not in the near distant future.
Consumer complaint received 2021-03-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

contacted the original creditor for XXXX credit card and told them how the new company was harassing me and telling me they were coming to my job to arrest me. I submitted the complaint online with XXXX XXXX XXXX and was told by XXXX XXXX : Senior specialist that the account was deleted from all reports and that she sent a request for cease and desist for the collection agency. Im still being harassed by collection agencys and i just want this off all 3 of my credit reports please. I will attach conversation between me and XXXX XXXX on XXXX XXXX XXXX which is XX/XX/XXXX case # XXXX. I sent the letter to all 3 credit bureaus and they just updated /verified and i feel like they arent even doing accurate research
Consumer complaint received 2018-09-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I took out private loans from XXXX to XXXX to pay for tuition and board for college. In all, the loans totaled about {$95000.00}. After graduating in XXXX I was unable to find work, so I called navient ( Sallie Mae at the time ) and the only option they presented me was to go into forbearance. I did this for the maximum allowed of two years. After the forbearance, I contacted them again and the only option they offered was to increase my term from 15 years to 30. So after making payments since XXXX, my principle balance is still higher than my original principle.
Consumer complaint received 2021-02-10
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. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 55 days they have not updated my credit report. They keep sending me verified item but arent really telling me how these investigations were being conducted. I have placed phone calls ; they have ignored all my requests to delete these inaccurate items off my credit. At this point I feel as I am being taken advantage of and would like for specifically XXXX XXXX XXXX to delete these inaccurate accounts off my credit report at once. I demand for these unfairly reported accounts and inquiries to be deleted or I will file for litigation due to the XXXX you have brought upon my family. My information was also impacted by the Equifax data breach and might have gotten into the wrong hands. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interests every year. Therefore, this is not just a regular dispute as I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  and to my knowledge I do not recall any of these accounts. I need this problem resolved as soon as possible. I will not wait another 55 days to receive no favorable or inconclusive response, for clearly you are ignoring my request to re-investigate and most importantly delete these unfairly reporting accounts off my credit report. I will file for litigation due to the XXXX you have caused me unless we agree to delete. Please keep in mind in section 611 ( a ) it is plainly stated that a failure to investigate properly within 30 days gives a reason to immediately remove those items from my credit report. It has been 55 days, so they should be deleted at once.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

I have been trying to left my Equifax freeze since Friday afternoon ( XXXX ). The website directs you to sign in to my Equifax, but then it always says can't complete and try again later. I called and the call center rep said they didn't know when the website will be working again. This is outrageous - these companies have to be able to left these freezes promptly. I don't want to do it over the phone, because I want a record of it.
Consumer complaint received 2021-10-07
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. (GA)

I have sent out letters about things on my credit report that were unknown and not accurate at all. This was back on XX/XX/2021. Ive been waiting more than long enough for a response. I know for a fact that it is well over 60 days and I still havent heard from the bureaus. According to my recent research the rule is that if I dont get these inaccurate items on my credit report investigated within 30 days, they MUST be removed immediately. I totally understand that because of COVID 19, things may move a LITTLE slower. But with it now being well over 30 days past time ( 60 days total ) these unknown items MUST be removed so that I can continue on with my life. These accounts have honestly caused me stress and are much of an obstacle when trying to get my new home. I shouldnt have to be punished for the bureaus not doing their job. With my information being impacted by the Equifax Data breach, it could have possibly got into the hands of the wrong person. Either way, I am tired of dealing with this and it needs to be fixed ASAP. In fact, if these accounts are not removed immediately, it leaves me no other choice but to file litigation. I already gave each bureau my authorization to work through this process of removing this mess from my credit report, so fixing this shouldn't be a problem.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (WI)

To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my self secure credit card through lead bank is reporting inaccurately. You have a balance of ( {$99.00} ) of being owed and according to my records that amount is inaccurate.

This account should be listed as ( paid in full ). These accounts appear to be furnished by the same creditor so why is all the provided data different. 
I have attached a copy of ( my credit card statement that proves your balance is in correct ). 

Thank you,
Consumer complaint received 2020-07-07
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: LJ Ross Associates (NJ)

I have a account with XXXX  and this company sold it to 2 different agencies and now they both charging and showing on my CR. I called all of them they not helping me. Keep saying dispute one and nothing happen. Please help
Consumer complaint received 2021-09-02
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: EQUIFAX, INC. (MO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.