davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I am filing this complaint against CHASE bank. Upon my return from a vacation I received a text that my account was overdrawn. This seemed odd as I only made a small purchase at the airport and I had more than adequate funds in my account. Upon reaching state side I called chase and was told by a rep that told someone to deposit {$7000.00} in my account. I tried to enquire where and when this took place because for XXXX I know another person can not deposit cash into a chase account. I was told there was an investigator and I would need to speak with them. I was not given a name or any contact information. I waited a day but no call back so I called them again I was given a name and email and a phone contact. I called and spoke with the investigator and was told that there was a scam and the funds were being channeled through my account. I was advised there was a court order to freeze both my accounts. CHASE has never sent me a copy of this court order I went to the branch and requested same and was told by the account manager or manager there that they were closing soon. I also tried to get it from the investigator all this has since been in XXXX of XXXX. 
I was not involved in any fraud, though I sent a recording of all the email correspondence indicating I was not involved and had no knowledge of any such transgressions. At the same time they have not proven anything to me or provided me with any proofs of what they are accusing me of and I was advised my money is being seized because I transferred money from XXXX account to another. I explained the person in question asked me on several occasions to purchase stuff for her which I did from my other account there and simply transferred the money back because I did not have the card I had given the card to my then XXXX. I dont care if they close the account or seize the money in the account that the deposits took place I just want my money that I worked for and my account shows my paychecks are the only monies
Consumer complaint received 2015-03-31
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: ONLINE Information Services, Inc. (NC)

online collection brought the bill from XXXX XXXX hospital in XXXX XXXX. so XXXX XXXX hospital already got paid for the bill and trying to get paid again. refuse to give a receipt until you pay each different bill of XXXX keeps putting the bill o XXXX on all XXXX credit reports but they are a collection company. they brought the bill. so XXXX got paid and trying to collect again. my insurance paid the bill
Consumer complaint received 2016-04-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

MY PAYMENTS IS DUE AD THEY ALL 3 TIMES BEFORE NOON EVEN AFTER YOU TELL THEM YOU WILL ALL BACK THEY ALL AGAIN AND AGAIN AND AGAIN, YOU ALSO TELL THEM YOU WILL PAY BY A CERTAIN TIME OR A CERTAIN DAY AND THEY SAID OK AND ALL YOU THE SAME DAY. I HAVE RECEIVE A TOTAL OF XXXX CALLS IN THE LAST WEEK FROM THE SAME PEOPLE I AM NOT I COLLECTION WITH THEM I DO OWE THEM I AM NOT SKIPPING OUT ON THEM THEY ARE GETTING PAID I WANT THE CALLS TO STOP.
Consumer complaint received 2022-11-22
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. (VA)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-03-06
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AES/PHEAA (OH)

I filed a complaint and received my response. In it included only XXXX photo verification of a returned cash check of the loans they claim they owe. There are XXXX total loans. I would like to know why I only received a photo of XXXX of the cashed returned checks on the loans. I would like to receive the other XXXX to verify that this is legitimate. I dont understand why they would not include all XXXX to begin with. I am very concerned that all of these loans are not legit and that I never cashed the checks for them in the first place.
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (GA)

Citi bank closed my account out the blue after I got my tax refund! Before I got my refund I was using the bank just fine! Now they are saying they can't talk to me about my own money as if I don't have kids & bills! I want my money back! I should not have to wait 60 days to get my money back!!!!!!!!! That is not fair to me & my kids!
Consumer complaint received 2018-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (GA)

I received an international wire transfer from my employer a week ago. BB & T has been holding all access to my account pending an investigation. I have submitted proof of employment. BB & T charged my account for posting this transfer, yet they will allow no access to my funds.
Consumer complaint received 2015-05-15
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Logan View LLC (OH)

My ex husband ( of nearly XXXX years ) was at the agency 's office to pay on his account. The employee asked if he wanted to pay on my account. She informed him he was also on the account. He told her that was highly unlikely as we 've been divorced for nearly XXXX years. She then told him how much I owed and what it was for. He then contacted me so that I could get it straightened out. I spoke the the manager of credit care in person. He said, " I do n't know how that could happen ''. I informed him that my ex knew all the private information, so it obviously did happen. He said he would investigate to find out who gave out the info and reprimand them. 
He agreed that it was a violation, and apologized for my experience. 
It was embarrassing that my ex was privy to my medical and financial information.
Consumer complaint received 2022-02-26
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. (AZ)

To whom it may concern, I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character and has hindered me in my job search as well as applying for credit. I unfortunately can not even get a SBA loan. I have written to the company twice. Once on XXXX and again on XXXX without any action or notification of acknowledgement. 

This issue was submitted to the CFPB with no action or direct response to my issue. A general statement was your companies response which is unacceptable.
Consumer complaint received 2022-02-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (AL)

I have had an account with discover Bank for many years. I also have a credit card with them that I use regularly and pay off every month. My XXXX  score is over XXXX. 

I received a phone call voice message from discover Bank saying to call the fraud unit at XXXX. They informed me that they closed my bank account citing a business decision as the reason. They further inform me that they're going to send me a check for the money in the Bank account. 

I am a XXXX  XXXX, XXXX  XXXX, veteran and have my account closed for no reason that I know of.
Consumer complaint received 2022-02-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (UT)

on XX/XX/XXXX I ph. in my mo. mortgage pmt. to lonecare on XXXX, XXXX another pmt. was deducted from my bank acct. O/D it, I called my bank was told L/C took out both , I call L/C why the extra payment was taken out that I did not auth. it took one week and hrs being put on hold going thru dozens of depts. to get a answer found out someone put my acct. on auto pay, Instead of sending back one pmt. that would have solved the problem and my XXXX pmt. would be posted some genius sent back both, I went thru the same hoops to get a answer another genius said my acct. was all payed up thru XX/XX/XXXX I knew better but they just said don't worry. It is now XXXX, my XXXX pmt. is late more ph calls still no answer now time to pay XXXX so I sent in a double pmt. and now Im all payed up right? my bank stmt, show all pymt. were made but somewhere in between XXXX XXXX. I got a mystery check in the mail called L/C to find out what it was for, its back to the same drill as why the check? the only ans. from them was cash it. I since have pd. for XXXX & XXXX. But now they told Im behind a mo. also raised my mortgage pmt. almost XXXX I have called them again & again their only answer is to fill out tons of paperwork to get a mod. or something I filled out one they sent me but not good enough! they need more info but I can't find out what, I'm XXXX and scared of these people and don't trust them, every time I call it just gets worse, I know there is a simple way to fix this, but they won't listen, this has made me phy. sick since last XXXX cant sleep its on my mind day and night I feel helpless
Consumer complaint received 2022-11-22
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)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX : {$33000.00}.
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CARD Corporation (NY)

Im not even trying to open any account and for some reason I got two similar random texts about a card number and then I had a debit card sent to my house today. Im afraid its happening again and Im getting worried someone is trying to steal my identity and mess up my credit.
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Insight One Solutions, LLC (NC)

I just received, XX/XX/2020 a letter from Sortid Financial about a debt I never had. I immediately contacted Sortis and told them I have never had a XXXX. I do not even know the company. A customer service rep yelled at me, Youre a liar and you are going to be responsible for this loan. I am not going to be responsible for a loan I do not owe. I want Sortis Financial company and whoever XXXX is to leave me alone. I also want them investigated for trying to scam elderly to own loans that is not theirs I believe this is an attempt to scam the elderly because I have never had a XXXX  and do not understand why I am being contacted that I did..
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MO)

I asked that PNC bank close my account in XXXX due to my account information being stolen. They said they did not want to lose my business and wouldn't close my account. As a result, the person who stole my account information so I couldn't log in check transactions charged my XXXX XXXX  and XXXX XXXX account off through PNC bank without my knowledge. I just saw the bank statement today after my relationship with PNC ended.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

Send a personal information update letter to all 3 bureaus on XX/XX/2022. Haven't received nothing back from Equifax and XXXX as of yet. But received a letter back stating that this is not me the letter is attached for prove also send a copy of State ID and Utility bill showing proof of address. They are stalling me out and not trying to update my information even with the State ID and Utility bill showing proof of address.
Consumer complaint received 2022-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I called to schedule a payment, which was done. However, I called the loan company back and advised the rep to remove the bank info and Id like to update and use another bank to make my payment. I was advised the change was made. Well, they wasnt the case. They scheduled for {$1100.00} to be taken out of two accounts. They never processed the request to remove the incorrect account. Which they acknowledged the error they caused. Which caused me to have an NSF fee. After speaking with the payment research department, I was advised if I sent in proof, I would be reimbursed the NSF fee. I was advised by two different reps this would happen, I sent in proof and when I called back to check the status, another rep had informed me that I wouldnt be reimbursed and they have no way of doing that. My concern is this company is giving false information and not doing things they are telling customers theyve done. This is unfair business practice and unacceptable. Everyone is not on the same page here. Then I was told to take it up with my bank. But you caused this issue not my bank.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$550.00}
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

on XXXX I was contacted by my mortgage company regarding the XXXX payment. I informed the agent that I pay by the end of each month and it was agreed upon to do a post dated XXXX XXXX phone pay for XXXX, there was also a {$19.00} fee. I was at home when I was doing this transaction. the agent told me he would send me a confirmation e-mail. when I returned to work the next day and reviewed my e-mail it indicated that I gave permission to debit on the XXXX of XXXX and I did not. The agent that I did not get paid until the end of the month.I called the mortgage company and they indicated the payment posted and I should be fine. a few days later I still show a balance in my checking and I called my mortgage company and was told that the check was returned. I will now have a delinquent credit report for XXXX and possibly a property inspection and a threat of foreclosure. I am quite upset as would anyone. I take my mortgage very seriously. I want {$19.00} fee back and I want my credit corrected ASAP or I will take legal actions. I knew this would happen because there seem to be a language barrier between I and the agent. I also want the recorded call pull for verification of this error.
Consumer complaint received 2022-02-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (CA)

I called ally Bank to let them know that the 1099 INT for XXXX was not correct. They did not agree. I told them that if you add up the interest for the Year XXXX it did not add up to {$2100.00}. This is the amount added to the account when the CD matured not what was earned in XXXX. They opened a case in the beginning of XX/XX/XXXX on XX/XX/XXXX Ally Bank said the 1099 was correct and they closed the case.
Consumer complaint received 2022-02-25
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX XXXX  XXXX Account # XXXX , XXXX XXXX XXXX Account # XXXX , XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  CA XXXX XXXX Account # XXXX XXXX XXXX XXXX  CA XXXX XXXX Account # XXXX XXXX XXXX XXXX  CA XXXX XXXX Account # XXXX has violated my rights.

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.
Consumer complaint received 2016-09-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

Ocwen has approved us for trial payment plan for a HAMP loan modification. Payments are due on XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/2016. I read on the US Department ofTreasury website that the Obama Administration extended the application deadline for MHA programs to XXXX XXXX, 2016. I was told by my relationship manager, XXXX XXXX, that it may make take several months after the third payment is made before we are approved for a permanent loan modification.
Consumer complaint received 2016-08-16
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (MN)

US Bank gift card sold at bank for flat purchase fee of {$3.00} ; buyer assured no additional fees for use ... terms and conditions claim " no user fees, " no hidden fees '' no other fees for transactional use of the gift card- '' accepted wherever VISA accepted ''. Card purchased at bank & cash loaded plus {$3.00}. 
After card gifted, user tried to buy food at a bakery, then grocery store. Receipts reflected one cost ... but additional fees added on NOT by merchants but by USBank card & were not disclosed.This pattern repeated until card denied by merchant as " not sufficient funds available '' THEN card holder called card and found XXXX % of each purchase added on by card and held for up to 30 days without disclosure to card holder or merchant. SCAM.EMBARASSMENT FOR XXXX WHO ACCEPTED THIS GIFT FROM RELATIVE..card funds were skimmed from card and withheld from card holder ... different amounts for different types of transactions held different periods.
Consumer complaint received 2017-02-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (NJ)

We went to refinance our home to lower the monthly payments and here we are 4 years later and we went to get a small loan to do repairs on the house and that is when we find out that they did n't lower the payments they got XXXX involved and sold them part of the loan to our surprise. XXXX now has a lien on our home for over {$100000.00}. We trusted the bank. What a joke. Looking for a lawyer to tell us our options now. Beware of dealing with US Bank.
Consumer complaint received 2022-02-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (AZ)

I called upgrade and informed them that I wanted to pay off my loan in full which was {$200.00} I paid that and the lady stated that my account would update to {$0.00} in a few days. In a few days, I checked the account and it stated that I owed {$5.00} I called upgrade and informed the lady that I had already paid the full balance but to go ahead and pay off anything that I owe and to CLOSE the account. The lady stated that I needed to pay the {$5.00} and then she would request to have the account closed. Later that same day I checked the account and now it states that I owe XXXX XXXX, once again I call upgrade. I get a lady who states that she is sorry but the previous agents are not doing things right and stated that she has to submit some forms ( this was after she spoke with different managers. I requested to speak with managers but keep being told that there are not any managers available.
Consumer complaint received 2022-11-22
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: Credit Karma (OK)

I applied for a XXXX XXXX  credit card through my Credit Karma app. The app told me that I would definitely get approved for the card and when I did everything it said I was denied and it was a hard inquiry and so Im just wanting that off of my credit score.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2022 XXXX was taken from my chase business account given its a business account and I rarely log in because I didnt use the account yet but was told it was mandatory I deposited XXXX minimum. I ended up losing my wallet the week before and money was withdrawn from my account. I called to file a claim they credited me XXXX $ but shortly took the money back causing me to be XXXX and business basically failed due to this financial hardship. Idk what to do its been 1 month since the incident. The person who took my wallet returned my license but nothing else this is unfortunately the only proof I have.