davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I own a XXXX XXXX XXXX that has been in business for almost 30 years. I've had a business banking relationship with Chase bank for over 20 years. On XX/XX/2022, my company deposited a check from a client for {$10000.00}. On XX/XX/2022, I received an online letter from Chase stating all three of my business accounts were frozen and would close soon. I contacted customer service and spoke with an associate who was very little help so I went into my local branch. The branch Vice President told me Chase uses a landline check verification system and my client does not appear to have a landline. He asked me to contact my client to see if she has a landline. I contacted my client who tells us she does not have a landline and told us Chase withdrew the money from her account on XX/XX/2022. After no less than 2-4 hours with the branch VP making phone calls to different Chase departments, he was able to unlock my business savings account and one of my business checking accounts. He was not able to unlock the checking account in which the {$10000.00} check had been deposited but said he had escalated the matter and someone else who could help me would contact me within 3 days. The very next day on XX/XX/2022, I received another online letter from Chase stating that the account which held the {$10000.00} deposit was still restricted and would close soon. On XX/XX/2022, I finally received a phone call from the Chase escalation department and was told what I already knew ; the {$10000.00} check was not able to be verified because my client does not have a landline and the account would close soon. He also said, the {$10000.00} would remain in suspension and would not be released. He suggested that I contact my client and ask her to contact her bank to ask them to recall the funds to her account. Shortly afterward on the same day my office manager reached out to my client and asked her to contact her bank to have the funds recalled to her account. My client attempted to do this and was told by her bank that the funds had been released by them on XX/XX/2022, and could not be recalled. I am VERY disappointed with Chase Bank. This is NOT how you treat a 20-year customer that has deposited a lot of money, never had any kind of fraud incident, and never even had an overdrawn account.
Consumer complaint received 2021-07-19
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: DISCOVER BANK (NJ)

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLIANT CREDIT UNION (WA)

On XX/XX/XXXX, I was charged an annual fee of {$95.00} for my Alliant Signature Visa credit card ( with a stated period of " XX/XX/XXXX through XX/XX/XXXX '' to which the annual fee applies ). An important feature of this card ( and the sole reason I applied for, and use, this card ), is a 2.5 % " cash back '' feature on all purchases up to {$10000.00}. 

In XX/XX/XXXX, I received notice, that EFFECTIVE AS OF XX/XX/XXXX BILLING CYCLE, my cash back rate would be reduced to 1.5 % unless I opened an Alliant Checking account with various requirements ( e.g., minimum balance, minimum deposits, etc. ). 

Please note that this change will be implemented mid-way through the period for which my current annual fee " covers. '' In other words, they have charged me {$95.00} as an annual fee for the stated terms and conditions ... and midway through the period, have reduced/degraded the terms and conditions. 

I would like a refund of my annual fee since the features that I have already paid for ( via the annual fee ) are changing midway through the annual fee cycle. This is clearly not fair.
Consumer complaint received 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A. (CO)

Grandfathered checking account opened when PNC acquired BBVA Compass Bank, where I ( and I'm sure many others ) had previously Free Checking accounts with no monthly fees or minimum balances. 
Now there is a service charge for not maintaining some preset balance in the account that I never agreed to and I don't even know : 1. ) what that balance threshold is 2. ) all of the possible fees associated with the account This was really poor business management on the part of PNC Bank, very unfair to the BBVA account holders that previously had totally free checking. Will definitely be taking my business elsewhere.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MI)

I received an A message that I was very late on my credit card payments and to contact them right away to get this resolved I didnt get on their website that they gave but my husband did call the phone number and it was an exact to the T recording of the banks recording when they call you and ask for my credit card information and my bank information to withdraw the money to get my account up-to-date the website was http : XXXX? XXXX phone number XXXX I have been scammed before and it was very devastating I want to thank you for the work you do to try to catch these people God  bless you
Consumer complaint received 2022-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (GA)

Closing on our home took place on XX/XX/XXXX. 

Guaranteed Rate was our mortgage company. Closing appeared to go smoothly. Escrow account was set up based on XXXX property tax amount because XXXX tax bills were not released as of our closing. The closing attorney 's office, XXXX XXXX XXXX XXXX, XXXX prepared the lender 's title commitment according to the full XXXX tax bill amount, XXXX. 
The loan processor, XXXX XXXX, did not use the information in the title commitment. She got XXXX pulled up the tax bill online -- not realizing that XXXX taxes were paid in TWO installments -- and only accounted for the FIRST tax bill amount of XXXX. 

In XXXX, XXXX we were notified that our monthly payment was increasing from {$1900.00} to {$2200.00} due to a shortage in our escrow account. This was unexpected because XXXX property was {$6000.00} -- only about {$150.00} more than XXXX. 
However, because of the loan processor 's careless mistake, our escrow account came up very short when the taxes were paid. 

After extensive investigation on my part, our new escrow calculation was influenced by 1 ) the loan processor 's mistake, 2 ) Guaranteed Rate 's requirement for more money in escrow for cushion, and 3 ) the XXXX tax amount being the estimate for XXXX 's property taxes. 

My family has made it work, but a $ 300 monthly payment increase has been a hardship that could have been avoided if we were able to budget according to correct calculations. Guaranteed Rate 's mistake was the only reason we've had trouble. 

I've contacted the main loan servicing phone number, sent documentation to the servicer 's email account for escrow problems, and requested help from the loan officer XXXX XXXX and his supervisor XXXX XXXX. I've explained the situation and they've offered no help. Nothing.
Consumer complaint received 2022-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Consumer Financial Services (FL)

This loan amount needs to be removed as this vehicle was purchased from a buy here pay here sales company and sold without my permission in writing. Fraudulent sharing of my information or approval. This is preventing me from getting credit approvals and I don't have this vehicle.
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (CA)

We were called by IQ Data Int'l the first week of XXXX and asked to pay a debt we feel we do not owe. My wife told the collector that we just had our first child and it was not a good time to talk. He then told her that she needs to learn how to multi task, was very rude, and hung up on her.
Consumer complaint received 2022-06-07
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022 XXXX
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

To Whom It May Concern, In XXXX, California enacted AB 539 which, effective XX/XX/XXXX, limited the interest rate that can be charged on loans less than {$10000.00} but more than {$2500.00} by lenders licensed under the California Financing Law ( CFL ) to 36 % plus the federal funds rate. My credit report states that on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) loaned money at an interest rate upwards of 130 % higher than allowed by state law. It is alleged that XXXX offers XXXX in over 30 states, whereby it originates, underwrites, services and enforces these loans, even claiming the loans on its financial reports. However, in states where 160 % APR is legal, XXXX names itself as the lender in the loan contracts, but in states where such APR is illegal, XXXX instead names a Utah-state chartered bank as the purported lender and XXXX  as the loan servicer. Then, after the consumer has executed the loan, XXXX purchases 95 % of the loan from the bank and maintains it thereafter. It is alleged XXXX runs this rent-a-bank scheme to purposefully skirt state law, including in XXXX XXXX XXXX California where this complaint originates. This loan originated at {$900.00} dollars after 9 months of payments was charged off with a balance of {$1500.00} dollars XX/XX/XXXX. This information is being reported as an OPEN ACCOUNT with a LATE PAYMENT as of XX/XX/XXXX on XXXX account number XXXX Equifax and XXXX. The XXXX, D.C. Attorney Generals Office filed and later settled a lawsuit against XXXX for the same rent-a-bank scheme and that XXXX own SEC filings concede XXXX may be the true lender on these loans and that the loans may therefore be invalid. XXXX is in violation of Californias usury laws, unjust enrichment, and RICO violations and seeks declaratory relief. XXXX should be held accountable for its racketeering and illegal loans in California by requesting restitution, compensatory, treble, and punitive damages, injunctive relief, and a judicial determination that XXXX is the true lender on the loans, that California law governs these loans, and that the loan contracts, arbitration clauses, class waivers and jury waivers are all void and unenforceable. CFL violations by XXXX, including the CFLs anti-evasion provisions. One of such provisions is Section 22326 which applies to any person, who by any device, subterfuge, or pretense charges, contracts for, or receives greater interest, consideration, or charges than is authorized by this division for any loan. The other provision is Section 22324 which prohibits contract [ ing ] for or negotiat [ ing ] in this state for a loan to be made outside of the state for purpose of evading or avoiding California lending law.
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (FL)

US Bank offered a forebearance program during the pandemic. They told us after the pandemic we would be able to tack the payments onto the loan or modify the loan. Now they have told us they can not modify the loan due to our credit. They told us we are no longer protected from foreclosure. We have sent an appeal letter and notified the VA.
Consumer complaint received 2022-01-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Affirm Holdings, Inc (FL)

I have $ 10k in a savings account at Affirm. 
On XX/XX/2021 I saw a " confirm this is you '' email that was generated at XXXX. Since I didn't ask to be confirmed, I told Affirm about it the morning of XX/XX/XXXX. 
They responded at XXXX, " Hello XXXX XXXX Thank you for taking the time to speak with me regarding your claim. I apologize there may have been an unauthorized activity made in your name with Affirm. We take this very seriously and rest assured, I have already sent your information to the appropriate department to review your claim. I appreciate your patience and ask that you please allow 3-5 business days for the team to follow up on the email address you provided regarding the outcome of their investigation. If you need anything in the meantime, please do not hesitate to reach out. 

If you have any questions or concerns, contact us through the Affirm Help Center at affirm.com/help or call us at XXXX between the hours of XXXX XXXX XXXX XXXX XXXX CST seven days a week. 

Sincerely, XXXX XXXX. 
Affirm Help Center helpcenter.affirm.com ref : XXXX : ref '' Then I received an email on XX/XX/XXXX at XXXX, " Hello XXXX, Thank you for reaching out to Affirm. 

I see you were in contact with us regarding an unauthorized activity. I understand how concerning it would be to discover an unauthorized account may have been created with Affirm. I am more than happy to provide you with further assistance. 

Thank you for your patience as we investigated this matter on your behalf. We have placed restrictions on the Affirm account from obtaining any future loans. Rest assured, there were no existing loans on the account and there will be no impact to your credit. 

We apologize for any inconvenience this may have caused you. If you have any additional questions or concerns, please contact us through the Affirm Help Center at https : //affirm.com/help or call us at XXXX between the hours oXXXX XXXX XXXX XXXX XXXX XXXX CT, seven days a week. Thank you and have a wonderful day! 

Sincerely, XXXX XXXX. 
Affirm Help Center helpcenter.affirm.com ref : XXXX : ref '' I didn't hear from them again. On XX/XX/XXXX at XXXX I tried to sign in to my account and retrieve some of MY cash. 
I was denied entry and asked to call to confirm it is me. It said the account is frozen. 
I did call immediately. I verified with them that this is really me. I was told that they would get back to me in 3-5 business days. 
Meanwhile, I can not access my money. And I don't believe that I will hear from them.
Consumer complaint received 2022-08-09
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. (MS)

In accordance with the Fair Credit Reporting act DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report
Consumer complaint received 2022-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2022-06-27
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: ENCORE CAPITAL GROUP INC. (IL)

In accordance with the fair credit reporting act, Midland Credit Management has violated my rights. 15 U.S.C. 1681, Sec. 602A states I have a right to privacy. 

15 U.S.C 1681 Sec. 604A, Sec. 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-12-26
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (GA)

XXXX has been non-compliant with removing the unverified account WELLS FARGO HOME MOR Opened Date XX/XX/2011 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGO HOME MOR was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc. (MI)

I used sezzle to make a few purchases and paid it off never used it again. I go to get my student loans and it shows delinquent for over 40 days and oweing money I owe them no money and they wmail me back and say there system had a glitch and still havent fixed it and closed this account. I cant get my loan.
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (IL)

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


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (LA)

Ive been XXXX since XXXX I was released XXXX of XXXX and noticed when I went and tried to purchase a phone from XXXX XXXX XXXX XXXX that I dont know anything about
Consumer complaint received 2021-07-19
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. (FL)

I have attempted to order my credit reports and filing a dispute multiple times with Equifax using without any result. I have tried to update my information. I have spoken on the phone with reps and supervisors, still more than a year later, I am still having the same issue. It all started back in the beginning of 2020 till now.
Consumer complaint received 2021-07-19
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: EQUIFAX, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.