davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

This is about Chase Bank branch located at XXXX XXXX XXXX XXXX XXXX CA. 
My wife XXXX XXXX went into this branch to deposit a {$700.00} Check she placed her debit card in the reader and handed the check that she had previous signed to the teller for deposit. She asked the teller if she needed anything else the teller said no you can go, she did not get a receipt.. The money never appeared in her account. My wife filed a report with the XXXX XXXX Sheriffs department. Case number XXXX the detective on the case first name is XXXX at the XXXX Sheriffs station her number is XXXX XXXX XXXX branch manager had my wife and I come in today to look at Screen shots of my wife at the teller station on XX/XX/2018 at XXXX to XXXX XXXX It appears she cashed the check which she did NOT. When you look closely at the screen shots it is very obvious they have been Photo Shopped The manager would not give my wife or I the pictures, and was going to delete them.
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX WORKS FOR XXXX  WHO BOUGHT THE ACCOUNT FROM XXXX XXXX. THEY ARE KNOWINGLY AND FALSELY REPORTING INCORRECT ACCOUNT INFORMATION TO THE 3 MAJOR CREDIT BUREAUS XXXX, XXXX XXXX AND EQUIFAX. XXXX  XXXX REPORTED THE ACCOUNT WAS OPENED ON XXXX, XXXX XXXX  XXXX IS REPORTING THE ACCOUNT WAS CLOSED ON XX/XX/XXXX. XXXX REPORTED THE ACCOUNT OPENED ON XXXX XXXX XXXX. THIS IS A COMPLETE LIE AND TOTAL FRAUD.
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (VA)

We bought a car from XXXX on XXXX in XXXX. When we arrived on the car lot we informed them we were looking for a safe reliable family vacation vehicle. We also let them know our two year old would ride in it daily so we needed it to be safe. We left with a XXXX XXXX XXXX. Two weeks into having the vehicle we noticed it wasn't driving right. We took it To our mechanic who said there was an extreme oil leak and an extreme differential leak. We didnt believe it since it had just passed inspection 2 weeks before we purchased it. We took it to two other mechanics who stated the same thing to us. We contacted XXXX and they told us to take it to there approved vendor to get looked at. There vendor said he didnt see the oil or differential leak. He was also the same person who passed the inspection on it. He kept the vehicle for about two days to make some repairs and gave it back to us and said it was good. We thought the car was fixed until two months later there was smoke coming from the hood of the car. We took it back to our mechanic who said if anything was fixed he wouldnt be able to tell since it was all used parts on the vehicle. He stated it still had an extreme oil leak, differential leak and also a transmission leak as well. We had a state trooper look at the car with the mechanic who said the vehicle is life threatening to drive and there is no way it should have passed inspection. The trooper said since it has been so long since we purchased the vehicle he wouldnt be able to issue the citation but he would have a talk with the approved vendor about it passing it when it should not have been. At this point we contacted XXXX and told them everything and they said they would have a tow truck come pick the vehicle up and they would look it over again. After looking it over they decided to allow us to come look for a different vehicle at XXXX on XXXX XXXX. When we arrived the first vehicle we looked at had a crack in the windshield. We asked how it passed inspection like that and we were told it must have just happened that day. We were not feeling good about getting another vehicle from them and was already advised by XXXX on XXXX XXXX that the XXXX location stated they were going to pay off the XXXX XXXX loan. So we thought we were done with them until I got an email from XXXX stating they dont know who stated that but they were wrong and we would have to pick another vehicle from them. We found another vehicle and had it checked out by our mechanic before returning to the XXXX location to make the switch. Then we were advised it had been to long since the first loan so they couldn't switch out the vehicle and would have to pay off the old loan and make a new loan. Now I have 8 hard inquires on my credit report. I dont know why since all of this was over ONE vehicle that was sold to us. My family is trying to buy a house and this is going to hurt us now.
Consumer complaint received 2018-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CHECK INTO CASH INC. (TX)

i opened an account with XXXX back inXX/XX/XXXX. my card was compromised and XXXX  $ in transactions were made. I filed a dispute with us money card who states their customers money is FDIC insured. I filed the dispute in XX/XX/XXXX. now everytime I call, I am told my 60 days is up, but their dispute department has not updated. every time I call, I end up talking to same rep, who tells me they will email the dispute department, and this has been said to me since 2 weeks ago!!!! I brought that up to there so called manager who said, it is a small call center. which is bs. I know this company is fraud, and they aren't following their own policies and procedures! DO NOT OPEN AN ACCOUNT WITH XXXX XXXX XXXX ( CHECK INTO CASH )
Consumer complaint received 2018-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (CT)

This complaint relates to a practice of Discover Card, which I believe is a standard practice in the industry - namely that credit card interest rates are automatically raised to penalty rate levels if a customer is late with payments and/or exceeds his/her credit line, but are NOT  RESET to lower levels once an account is back in good standing. 

During a period of time when I was self-employed between XX/XX/XXXXand XX/XX/XXXX, I had some occasions when I was not able to make timely payments. As a consequence, the interest rate on my account was increased to 29.99 %. Over the past several years, I paid down the balance on my account and put the account on automatic payment so that {$450.00} or the minimum payment would be made each month. I have had this arrangement in place for at least the past four years - if not longer. For example, my account balance as of XX/XX/XXXX was XXXX against a credit line of {$15000.00}. XXXX payments of {$450.00} per month were being made. At that time, the interest rate on the account was still 29.99 %. My credit score, by the way, according to my statement from Discover was XXXX. I should note that this is the only credit card I have and that my only other debt was a car loan which is also paid automatically from my checking account. 

I did check with Discover at the time to see about reducing the rate on the account but received no satisfaction. 

I have maintained the account in good standing since that time. I have used the card more heavily in the last 15 months partly on account of unexpected travel and partly because I was moving away from using my debit card because of some fraudulent transactions on that card and the general advice not to use a debit card for expenses. As a consequence, the balance increased on the card. However, due to the 29.99 % interest rate, the balance grew more rapidly than I expected since so much of my automatic payments were going to interest. For my statement ending XX/XX/XXXX, the balance on my account was {$18000.00} against a credit line of {$18000.00}. The minimum monthly payment of {$510.00} included a charge of {$490.00} for interest for the month - still being charge at 29.99 %. 

My complaint is this : how is it a fair business practice - or in the interests of promoting prudent financial practices among customers - for a credit card company to have automatic programs for raising interest rates to penalty rates and yet have no programs for the reduction of those rates.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I XXXX XXXX XXXX am disputing the term late payment from the creditor XXXX XXXX  on my Equifax report, I XXXX XXXX XXXX entered a consumer credit transaction with XXXX XXXX  on XX/XX/2008, due to this being a consumer credit transaction a finance charge was involved, XXXX XXXX code XXXX states the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.
Consumer complaint received 2018-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DC)

Issue : I can not get security freeze lifted on my credit report from Equifax. I placed the freeze on my report as a result of the massive security breach Equifax had that compromised the personal information of millions of people. 

On XX/XX/XXXX started a refinance application with my mortgage lender. I had no problem lifting the security freezes from XXXX or XXXX XXXX. As of this writing onXX/XX/XXXX the freeze has yet to be lifted by Equifax. 

At first I was given their facsimile number so I could send copies of my SS card and driver 's license that would allow them to verify my identity. After several attempts by me on XX/XX/XXXX without any success because their fax line was constantly busy, I eventually express mailed the documents via USPS. I called them on the evening of Saturday XX/XX/XXXX, was told the security freeze would be lifted that evening, and I was given a confirmation number by the Equifax representative. On Monday XX/XX/XXXX I received an email from Equifax with the case number I'd been assigned stating that my case had been closed. 

On Monday XX/XX/XXXX I advised my lender about the information I was given by Equifax on the XXXX and they attempted to get the credit report without any success. The supervisor at my lender made several phone callls as did I, and when I called again on XX/XX/XXXX I was told by an Equifax supervisor that they were not in receipt of the documents I sent, nor were they aware of any email from Equifax that my case had been closed out, and I would have to wait up to five business days to have the freeze lifted. 

All I can say is I've never dealt with a more obtuse and ineffective group of people. All you get is the run around, empty apologies and zero results. It seems they're trying to act professionally by giving one the impression that they're guarding your information when quite frankly it's too late given the security breach. 

The bottom line is there is ZERO accountability within this organization nor do they have any sense of urgency about doing their job correctly and it's having a very negative effect on consumers like myself who are attempting to get the information they need to complete their applications for refiancing or any other credit application. 

I'm not sure what type of government oversight they are receiving but they are in dire need of it because in my opinion they are doing a double disservice to the public by 1 - the initial security breach and 2 - their inability/unwillingness to lift security freezes for consumers seeking them.
Consumer complaint received 2018-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

On XXXX XXXX, I contacted my mortgage companys customer service department to let them know that I received my XXXX XXXX property taxes in the mail and to ask if they had been paid. I found out through that call that they had paid only one of the four Parcels my home sits on. She asked me to scan the bills and email to them which I did XXXX XXXX. I was told to wait about a week and to call them back to check the payment status. I have called several times since then with no resolution, every time speaking to a different person. I actually spoke with a manager the last time I called and she promised to get back with me Friday XXXX that would have been the Friday before last. ) Everyone I have spoke with says someone will call me back. I have not received one call. At this point my XXXX XXXX taxes are late, which reflects poorly on my credit. I have been told by them that I can pay the property taxes myself if I am worried. Why should I do this when I have paid this money up front and it is sitting in my escrow? This mortgage was refinanced last year, but they have all the information. All 4 tax bills have always been paid from escrow in past.
Consumer complaint received 2021-03-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (TX)

I have auto loan with Wells Fargo from 2017, ,I look the payments and I want to know if that is correct, ,example I paid monthly XXXX, ,and sometimes XXXX to de principal and XXXX to interest and then the next month is XXXX to principal and XXXX to interest, that is is example, ,but I want to know is that is correct the numbers change too much
Consumer complaint received 2020-11-04
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)

I allegedly had A loan with A company by the name of XXXX XXXX  in XX/XX/XXXX. I have submitted several disputes to all 3 credit bureaus to have this account removed as It was not my debt and I was A victim of identity theift. Aside from that it has been 7 years since the account was reported delinquent. According to XXXX they have the last activity date for the account as XX/XX/XXXX and XXXX and XXXX  has --. I reached out to XXXX at XXXX  XXXX XXXX  and he provided the attached itemized statement below showing the account went into delinquent status on XX/XX/XXXX because their was no payment made. I spoke with XXXX at XXXX  XXXX  branch number XXXX at XXXX XXXX who also informed me there was never A payment made on the account since it was open XX/XX/XXXX. He informed me the XX/XX/XXXX date that XXXX has reported was the day the account was charged off as A bad debt. According to the three credit bureaus websites and law it states A charged off account should fall off after 7 years from the FIRST DATE OF MISSED OR LATE PAYMENT on the charged off account. According to XXXX XXXX  the account went delinquent on XX/XX/XXXX which mean As of XX/XX/XXXX this account should be removed from all 3 reports. I have submitted several disputes and have been unsuccessful with getting A response. It is A violation of my rights to continue to report inaccurate information. If needed the 3 credit bureaus should contact XXXX XXXX to confirm the information provided in the dispute for clarity that this account was fraud and it has now been 7 years and should be removed completely from my report effective XX/XX/XXXX or you will be in violation of FDCPA laws!
Consumer complaint received 2021-03-30
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)

Hello Equifax. Legally you had 30days to complete an investigation. My first letter about my disputes was originally sent on XX/XX/2021, thats 50 days ago, it contained a notarized letter to verify who I am as well as a driver license and banks statement proof of address. About a month later, on XX/XX/2021, I send another letter following up on the investigation. I submit a complaint with the CFPB on XX/XX/2021 and you close it say cant find any record on XX/XX/2021, a unacceptable 41 days later. This is a illegal stall measure so on XX/XX/2021 I sent another copy of every as well as a w2 with my full social on it. For a company that had my information involved in a breach I find it odd that you stall and choose to say you could find me with the large amount of identifying information I originally sent. What the XXXX is going on So On Im here doing another XXXX complaint so that the CFPB can monitor this neglect. Attached is everything I sent so far.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (AZ)

When my stimulus payment was directly deposited the bank credited my account for previous overdraft fee 's in the amount of {$170.00}. The credit applied on XX/XX/XXXX, as an unsolicited deposit. 

On XX/XX/XXXX I received a secure message from Chase Bank, explaining the deposit was only temporary in order to access all of the stimulus funds provided by the government and it will be debited back in 30 days. 

I never requested the temporary assistance from the bank - and certainly did not agree to any type of loan with a 30 day repayment assistance. 

I sent a several messages to the bank with zero response, asking them to provide law and or policy stating what gives them the right to provide a loan without my permission, and they continue to respond with the same form letter sent on XX/XX/XXXX.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NE)

On XX/XX/2022, I deposited a bank draft in the amount of approximately {$26000.00} into my checking account with Chase Bank. Because the deposit was made around XXXXXXXX XXXX., which is after normal banking hours, I opted to use the ATM to deposit this item. In reliance on the information available on Chase 's public website, I assumed that using the ATM to deposit this bank draft would not create any delays or holds on my account, and that the funds would be available within a few business days. Instead, upon deposit, I was informed that the bank draft would be placed on hold until XX/XX/2022 -- nearly two weeks. This hold froze my account and rendered it unusable -- neither deposits nor withdrawals could be completed, and transactions were declined. Because the instrument was a bank draft, upon verification of the order, the funds should have been made available. Chase refused to provide any reason for the hold placed on my account until XX/XX/2022. 

On XX/XX/2022, still unable to use my account, and one day after the hold on the deposit was lifted, I spoke with a Chase representative who informed me that they believed the ATM image of the bank draft appeared to have been altered. However, upon further investigation ( which had occurred prior to XX/XX/2022 ), Chase was able to determine that the instrument had not been altered, and openly stated that the hold and account freeze should not have been placed on my account in the first place. The representative assured me that the hold was to be lifted immediately, within 20 minutes to one hour. That time has elapsed, and I still do not have access to my account or the funds. 

The representations made by Chase -- in writing on its website, in writing on the ATM screen and receipt indicating funds availability on XX/XX/2022, and the verbal representations and warranties made by the representative over the telephone -- constitute incorrect, and in the very lease negligent statements on which I relied. Chase 's conduct is deceptive and unfair, as I would have chosen to deposit the bank draft with another institution or in another manner had I known that I would be unable to access funds in my deposit account for nearly two weeks.
Consumer complaint received 2019-08-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Upstart Holdings, Inc. (PA)

I applied for a loan online through Upstart ( located in California ) ( financed through XXXX XXXX XXXX, XXXX, NJ ) on Sunday, XX/XX/19 and it was approved and the funds were already in my account within 2 business days on Tuesday XX/XX/19 totaling {$44000.00}. I decided I did not want to proceed with the loan and on the same day on XX/XX/19 I received the funds and I sent back the payment in full of {$44000.00}. I contacted Upstart and let them know I wanted to cancel the loan and had sent back the payment in full, and was told I had to pay them an additional {$4000.00} on top of the money I received for my account to be considered " paid in full '' for the " financing fee '', although this all occurred within a 2 business day period. The did not apply the total money to the loan balance and the " finance fee '' continues to grow daily at a rate of 25 %. Loan # is XXXX. I would like the account closed, considered " paid in full '' or " cancelled '' and removed from my credit report. This is a extremely predatory practice.
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Pilgrim Mortgage LLC (AR)

I was lead on with a closing date! Get a phone call 30 min before closing on the day of saying that they were goin to have to push the date back! The only reason I have been gave is because one of my check stubs didnt add up to what the job stated I worked.. the reason my check stub was short is bc we had been off due to inclement weather. Who sends out closing disclosures give a closing date then basically deny the entire process 30 min before time.. leaving me and my children homeless!
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

cant pay my bills, any of them ... other companies are considerate not this one, {$4000.00}. pay it or .... one gentleman was so inconsiderate, and just plain rude... his name was XXXX.it was about 3-6 months ago. i have rights.. This company is worth billions and billions and they want the above aforemention.
Consumer complaint received 2022-08-25
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. (IL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX USBK COURT XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX