davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NJ)

I an a JPMorganChase Client, I currently hold a Mortgage and a Checking account with this bank. This morning I logged into my account to discover that Chase had approved an Amazon/Chase Credit Card on XX/XX/2017 with a credit limit of $ XXXX. I called JPMorganChase Fradulent Card department to inquire about this credit card.. non-chalantly the CSR said to me - " If you did not apply for this credit card, we will cancel it, and YOU can notify the credit bureau of fraud ''. I further asked where was this credit card being sent, and I was told it was not being sent to the address on file though they can not provide me this information. I am amazed that JPMorganChase being my banker approved a credit card in my name, linked it to my other accounts without doing the necessary due diligence of a Red Flag that a card was being sent to a different address. 
I again called JPMorganChase later this afternoon to provide this information to me about why and how can they approve a credit card in my name without doing a better due diligence on the application and where was this credit card being sent to? I was told in order to receive this information, I must provide a copy of my identity..i.e. Driver 's License, make a police report, Send a Miscellaneous Incidence Report and provide an affidavit of this claim. 
I find this very disturbing that my bank issued a credit card in my name without asking for identification, yet at this time I must provide proof of who I am ; as my banker who holds my Checking account and my Mortgage and with the array of cyber fraud, JPMorganChase should be held responsible for higher due diligence standards. 
Please help me to hold JPMorganChase responsible for this poor due diligence, and take responsibility for this by providing the information to me on this application. It makes more sense to have this information before I can file a police report. 
I do not have the credit card information that was issued, I believed the last four digits I saw was XXXX, before it was removed from the link on my account. I have reported the fraud to all XXXX ( XXXX ) credit bureaus. I have also requested that Chase remove this hard inquiry on my credit reports because it is affecting my Debt to Ratio credit score. 
Thank you in advance for your usual prompt attention.
Consumer complaint received 2020-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NH)

This is regarding Venmo. I sent {$120.00} to the wrong person. That person had a negative balance with Venmo of {$220.00}, and I am told my {$120.00} was absorbed into that. I asked Venmo to revert the other user 's account to negative {$220.00}, and send me back my {$120.00}. I was able to get the other user on the phone with Venmo and give his permission to do this, which according to Venmo policy should allow them to return funds. However because he had a negative balance, they are saying nothing can be done. Their suggestion was that the other user pay the remaining {$100.00} to unlock their account, then pay me {$120.00} outside of the Venmo app.
Consumer complaint received 2020-04-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IL)

This is a Follow up complaint of the US-Bank handling my HELOC ( Home Equity Line of Credit ). Previous Complaint # XXXX Filed at CFPF on XXXX. 
In short, I have had this HELOC for the past 9 years without any problem. In XXXX, I received a warning letter which required me to provide the bank with my Condo insurance policy. Which I did fax it to the number provided. Later I received another warning letter, I did again faxed my condo insurance to the number provided. But the warning letters kept coming, Then I went to the Bank & handed the copy of my Condo insurance & they faxed it for the third time to the number provided. The warning letters kept coming, I went for the second time to the US bank & handed again a copy of my Condo insurance, Again, Warning letters kept coming, I talked to my Condo insurance company, They faxed it for fifth tie to the fax number provided. Then I received a letter charging me an amount {$480.00} for a condo insurance which allegedly the US bank purchased on my behalf. I wrote to the CFPF & a week later the {$480.00} charges were dropped & removed from my account, but then I just received a letter stating that My access to the my HELOC at the uS bank has been suspended effective immediately due to " lack/insufficient Hazaed Insurance '' as required by the HELOC agreement. 
I am simply confused with the actions & mishandling of my HELOC at the US bank. 
I have spent so much time and energy, since XXXX regarding this matter I need the US bank to reverse immediately the illegal suspension of my access to my HELOC and send me an apology letter explains their incompetent handling of my HELOC for theist two month. 

Thanks
Consumer complaint received 2021-11-26
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. (FL)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

Upon reviewing my Equifax credit report ( XXXX ), I discovered an obsolete account ( creditor name, XXXX XXXX, date XXXX, account number XXXX ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XXXX, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.
Consumer complaint received 2017-01-26
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. ()

I received a check form the State fo Delaware Office of Unclaimed Property in XX/XX/2016 and this was placed in my XXXX account for clearance. The bank sent this check to PNC Bank in USA for clearance on or about XX/XX/2016 and upon my follow up on XX/XX/2016 ( 8 weeks after presentation ) and a telex to PNC the check was returned on XX/XX/XXXX and I was informed as follows : Date : XX/XX/2016 at XXXX Subject : RE : XXXX- Inward XXXX cheque The update we received from the inwards cheque clearing team is as follows : 1. The original cheque was returned back to XXXX. 
- No reason was given on why the original cheque was returned to XXXX 2. The cheque clearing team has sent the drawee bank a demand draft for the upfront fee XXXX and the Cheque has been re-sent to the drawee bank via DHL On XX/XX/XXXX I requested an inquiry and was told telex and messages were sent to PNB but no response. On XX/XX/XXXX I escalated this to Officer in Charge and received this response : " We have just spoken to our Payment team & our investigation showed that we have since sent 6 SWIFT messages & 3 chaser emails to PNC Bank pertaining to this matter but we have yet to obtain any response on this matter. 
You may like to approach XXXX ombudsman and lay a complaint if there could assist us in obtaining a reply from drawee bank PNC. '' PNC has had this check since XXXX to date and has failed to either cash this check or provide a response. They have taken the payment of XXXX ( XXXX ) and ignored status inquiries. In another 2 months this check will expire and I will have to have it reissued at considerable expense and time. This is unacceptable for cashing a US department check and I would lke to know what PNC intends to do to remit the said funds.
Consumer complaint received 2015-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX I pulled my credit report and found some questionable items which I disputed. Experian investigated these items and much to my surprise when I ran a report on XXXX, they inserted accounts that were n't on my report from XXXX XXXX. These were frivolous accounts from XXXX XXXX XXXX, that were closed back in 2011, which I had disputed before and removed. However, now Experian has illictly put them back on my credit report and they did not even serve me notice of re-insertion as required by the Fair Credit Reporting Act. 
When I disputed these accounts in XXXX with Experian, arguing that they can not re-insert accounts without serving me notice, they ignored my request and kept these accounts on my credit report. 
The accounts are listed under the following account # XXXX ... XXXX ... XXXX & XXXX. 
I have attached the before and after reports from Experian from XXXX and XXXX, that show the re-inserting of accounts.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: C/C Financial (FL)

Good afternoon, I called Merchants Preferred Lease-Purchase Services several times, and I did not get a concrete answer or solution to my issue. In XXXX, I called and planed an automatic additional payment of {$150.00} of my agreement. The initial agreement was for {$1000.00}, including {$49.00} that I paid when I received the agreement. On XX/XX/XXXX I called to finish paying the outstanding balance of {$270.00} ( amount indicated by the company by phone on the previous call ). I made six payments in addition to the first one of XXXX XXXX already mentioned, so I paid a total amount of XXXX .
<P/>
When I called to make the final payment, they told me that my final payment date was actually on the XXXX, not XXXX, the one thing that neither agrees with the information previously received, nor with the e-mail sent by you. The email sent by you onXX/XX/XXXX indicates that the recurring fee would be deducted on XX/XX/XXXX, so It is not consistent with the date they previously mentioned. In addition, in my agreement the first payment wasXX/XX/XXXX. <P/> I contacted them not only by e-mail, but by phone a lot of time, and they always told me that the supervisor would contact me, which never happened. They told me that they would check my calls to verify the information they had been giving to me, however I never received that call. On XX/XX/XXXX ( yesterday ) they called to advise that I have to pay more.
<P/>
I sent letters to them, which I am attaching to my complaint, however I never received response.
<P/>
I have been not only punctual in my payments, but also I program additional payments with anticipation. I am a responsible person with my debts and my obligations and my intention is to keep myself as such.
<P/>
For all the reasons stated above, I requested a stop payment on my bank and They are NOT authorized by me to debit any other payment from my bank account.
<P/>
I have been waiting for their e-mail or call, since XX/XX/XXXX. <P/>
Thank you
Consumer complaint received 2017-01-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: STATE FARM BANK, FSB (NJ)

To The CFPB I refinance my care back in XX/XX/XXXX and I made my payements like am suppose to do each month that it is due on the XXXX of each month. In the first year I have sent an extra check in the envelope towards the principal. When I would check on line I would see the bank took out interest out of the check that was suppose to be principal. I called the bank have to them correct this. I would write on the check principal and a note inside the envelope principal payment and they would still take out interest. 

I told them what they did wrong and they corrected and I would have to wait a couple of days and I would check on it. After a couple of time like this then I was told told that I was to send my principal payment to another mailing address. 

Then I started making some extra principal payments I would send them to the other address like I am suppose to and they started to take out interest a few times again until I called them an said this was a principal payment. One man try to tell me I sent it to the wrong place I told him I did n't because I send my car payment to one address and if I send principal payments it goes to another address. I put him in his place and the bank screwed up!!! XXXX i wrote on the check principal only as well, I said your people cant read whats on the check. 

This month of XX/XX/XXXX I sent my car payment in to one address and a good amount of principal to another address. When I went to check on line to see if they received my payment they did, but they stated on my account on the next payment due I would owe less by a certain amount. I called in to find out what was this all about and I was told because I made a payment in XX/XX/XXXX, they took a couple of dollars out. 

I told them that was a principal payment and they had no right to take any interest out of that amount, that check was sent to the place where it was suppose to be processed as principal and I wanted to be corrected, I wanted to know who processed this transaction regardless of any amount, I made it clear on XX/XX/XXXX. I said if you were making car payments and the bank did this to you, you would n't like that being done to you. I demanded that to be corrected but i was told it was over XXXX days. 

I got a call later a few minutes later and I was told I sent the check to the wrong address and it was fed into the computer, I told them I sent it to the correct address and even later this year the bank screwed up on my principal payments at the principal processing bank facility. 

If they are doing this to me, can you imagine how many others are being taking advantage of this situation and making extra money and the people know or do n't know this and do n't know how to correct this. 

I would like this facility to be audited, they need to be exposed and audited.
Consumer complaint received 2017-05-31
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. (AL)

I FILED CHAPTER   XXXX   IN  XXXX . AFTER 7 YEARS  XXXX  AND  XXXX  REMOVED FROM MY CREDIT FILE. IN  XXXX  AT THE 7TH YEAR MARK EQUIFAX PLACED ON MY CREDIT FILE AFTER 7 YEARS OF NOT REPORTING. I ASKED FOR THEM TO REMOVE THEY STATED WILL STAY ON FOR 10 YEARS. WHILE THE OTHER   XXXX   BUREAUS HAVE REMOVED FROM MY CREDIT FILE
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (MA)

Hello, on  XXXX  my statement closed and I was supposed to receive over  XXXX  US Bank points. I worked hard in meeting the minimum spend to receive the  XXXX  bonus points. Then on  XXXX  I logged in and my account was closed. I was told I used cash equivalents but I just shopped at my local grocery store. I received no warning and terrible customer service.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

My complaint is against Equifax Credit the month of XX/XX/2020 my credit score went down 71 points for reason. I contacted Equifax Credit and asked what was the reason my credit score went down 71 points and there wasn't any change in my credit. I had no late or missed payments from XXXX to XXXX of 2020 and Equifax Credit was unable to find any issues themselves with my credit but my credit score still went down 71 points. I done an investigation on my own and other people are complaining of the same thing and not getting any answers to their questions either. Could you please research my situation and give me an answers to this problem or just fix the problem.
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MD)

This is not correct I do not have any of this issue. I need this taking off my record DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years.
Consumer complaint received 2016-12-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

On XXXX XXXX, XXXX I got a student loan with Navient, which my father cosigned on. I have been making payments on this loan since then, which is 12 years, on time every month. My father passed away on XXXX XXXX, XXXX. So I let them know that he had passed, And they sent me a letter stating - That my cosigned student loan has been referred to XXXX XXXX XXXX to resolve the outstanding balance. They may attempt to contact the executor of the cosigners estate. If I provide a new, credit worthy cosigner for my loan, they can recall the account from XXXX XXXX. The promissory note that I signed provides that the loan may be declared in default and due in full if any borrower or cosigner passes away, however, they wo n't declare the loan in default as long as I continue to make regular monthly payments. 
My concern is that they sent it to a collection agency already, and it will be going on my credit report.
Consumer complaint received 2016-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I sent a letter to Experian letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Experian did n't remove the accounts they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus
Consumer complaint received 2023-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (ME)

I received a letter from " Viking Client Services , LLC '' stating that I owed {$1400.00} to XXXXXXXX XXXX XXXX XXXX I called XXXXXXXX XXXX XXXX XXXX and they did not have a record of this issue, and I do not have any record or receipt for the Account Number that is listed in the debt collection notice.
Consumer complaint received 2017-02-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (MA)

US Bank denied a claim based on purported signature similarities, this was a baseless claim as the signatures were not even remotely similar to known signatures. US Bank made a claim that they recorded 11 conversations between myself and US Bank employees, yet refused to let me review those recordings. I asked for video surveillance and US Bank informed me that I had to obtain those videos. 
US Bank violated TILA by placing the burden of proof upon the cardholder, using evidence that either did not exist or they are refusing to share and making obviously incorrect conclusions about signatures. 
One has to wonder if US Bank is systematically violating TILA by denying valid cardholder claims based on false interpretations of evidence, making false claims to consumers about evidence and telling consumers they are responsible to gather evidence. 
All my claims are based upon conversations on a recorded line. 
The CFPB can review the signatures for themselves and attached is an analysis from a professional handwriting analyst who found that " no indication... that XXXX XXXX is the author of the four questioned signatures. '' Again, one must wonder why US Bank held me responsible for the transactions when the evidence clearly does not support their claim and if US Bank is making similar unfounded claims and or manufacturing evidence to wrongly place the responsibility on the cardholder in violation of TILA. 
US Bank also violated TILA by not provisionally crediting my account when presented with substantially new evidence or providing evidence to counter my claim. I sent the attached documents by certified mail.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (TX)

This is a new card we just got. I made two purchased on the card for around {$800.00} and {$700.00}. We have multiple accounts, and we typically move money over every time we pay a bill as to avoid fraud which has happened to us in the past. I made the mistake of telling my wife to pay on our Discover card {$800.00} and I meant to say {$700.00}. We did n't realize this was a problem until we received a notification from our bank in the mail. The next day I contacted Discover to tell them what happened and to make a payment. The customer service was rude and unwilling to help me. They said they closed my account because they thought it was fraud, and this will hit our credit. I explained this was an honest mistake and because of fraud we typically only move the amount we are paying over to the account. I told her I can make the payment by phone that day, and asked why they never notified us to tell us the payment was declining or to tell us they are closing our account. We never received a phone call, or notification by mail or anything. I called them when I got the notice form our bank. I do n't understand this type of customer service. I already made the payment to them, but I am dissatisfied that no one was willing to help me.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

XXXX submitted my name for a collection that did not belong to me. I called and was not helped at all. They were not rude, just not helpful. I agreed to pay this bill as i was in a bind and needed it off my credit report, they agreed to delete and for quite a while it was off my credit report. It has shown back up and no one has attempted to help me get this removed. I could lose my job because of this.
Consumer complaint received 2022-08-04
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX have violated my rights. 15USC 1681 section 602 8 states I have the right to privacy, 15USC 1686 section 604a, section 2i also states a consumer reporting agency can not furnish my account without my permission.