davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX my XXXX accounts were compromised. They gained access to all of my stored passwords which included my bank account credentials. They used these credentials to gain access to my online account to make purchases totaling just under {$80.00}. These were caught by Chase as fraudulent and my debit card was then deactivated. I spoke with Chase and explained the situation. Within the week, on XX/XX/XXXX they had refunded the full amount to the account. On XX/XX/XXXX, the funds were taken from the account by Chase as they discovered the charges were made from my personal card, using my phone registered with the bank mobile application. I explained to them that these transactions were fraudulent again and they claimed that I had made these purchases since it was coming from my phone and my account. I explained that my accounts were compromised and anyone could have had access to these accounts. I also explained that the location, XXXX and XXXX, was listed as last login points from when my accounts were compromised and the people responsible for compromising my accounts were making purchases on XXXX   websites.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (TX)

Was contacted today by Chase and told due to a random review selection they were reducing my credit limit from {$6300.00} to {$1000.00} after I sold an asset and liquidated the balance to insure I had the line open and available.
Consumer complaint received 2020-03-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (FL)

CRIMINAL INTENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Under penalties of perjury above names and JPMorgan claims they have an original promissory note and mortgage signed by me to them which is a fabrication and false, lies. I never have signed any documents with them. 
For over 12 years they've called and harass me threaten me 2 and 3 times a day over 3000 phone calls. 
See Frivolous, Malicious, Wrongful lawsuits : 2019-012876-CA-01, 2015-003933-CA-01,2013-035740-CA-01,2008-058441-CA-01,2008-047293-CA-01. 
We suffer from XXXX XXXX now, XXXX XXXX XXXX, this is all over the internet as delinquents. 
All I did was get a VISA credit disclosure from Washington Mutual which was terminated in XX/XX/2008. see  enclosed. 
Please HELP Help. We are retired and can't cope with this anymore PLEASE HELP ME ...
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WASHINGTON FEDERAL BANK (OR)

The financial institution is XXXX. 
In XX/XX/2021, the institution decided to no longer provide printed bank statements on accounts, deferring to online statements only. No notification of this change was provided to their customers, at least in a way that was completely transparent. A footnote on the back side of a statement is not reasonable, nor allowing a customer to know they need to take action to change this from being the way the account is being handled. 

At the same time, whether new policy or not, this institution has a policy of charging an " inactivity fee '' of {$5.00} if said account has not had a customer initiated transaction in 6 months. This policy is also not advertised openly. 

So, without any kind of notification to the account holder, this financial institution can drain an account for " inactivity '' effectively seizing the account holder 's funds at a rate of {$60.00} per annum. 

This needs to be resolved by instituting policy that either : 1. Requires a financial institution to treat " inactivity charges '' on an account as " activity '' that then requires the institution to send a printed statement to the account holder, and if there is a " inactivity period '' timer that is being used, the activity of taking an inactivity charge needs to restart that timer.

2. Prevent financial institutions from instituting " inactivity charges '' on accounts entirely.

3. If an account holder elects to have printed hardcopy statements delivered by US mail, that institution can not change that setting on the account without explicitly getting the account holder 's written approval.

This is an exploitive financial institution policy because : 1. This is very likely to most effect elderly citizens as they are less internet savy and may have accounts that they are holding ( like savings accounts ) which they use infrequently to keep their savings.

2. This policy is effecting other customers, such as non-profit XXXX educational institutions which have been prevented from having activity due to the pandemic requiring them to be shut down for externded periods. 
3. Taking fees ( transactions ) from an account without treating those transactions as " activity '' is deceptive and underhanded banking practice.

Simply put, the point of having a banking institution have your bank account is to keep your money " safe ''. If the financial institution is able to take your money without notification and persist on doing so on a monthly basis is not safe for the financial institution consumer.
Consumer complaint received 2016-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MD)

My mortgage was traded to Freedom Mortgage, XXXX 2015. Per line XXXX of my XXXX, I have a front foot assessment payment that is applied to my escrow. After multiple calls to Freedom Mortgage over a period of 6 months, Freedom Mortgage has advised me that they will only pay this assessment for this year and will not pay the assessment in future years. This is a breach of my closing contract. I never signed any documents allowing Freedom Mortgage to change the terms of my escrow contract. I have also requested documentation from Freedom Mortgage stating that they will no longer honor my escrow agreement. They have advised me that they will not send me any documentation stating that they will not pay the annual assessment.
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

I uploaded to Equifax a copy of a Lien Release Notice - Lien Recorded in Error signed by a California XXXX XXXX XXXX representative and a copy of the same release that was filed. This document is the only document that is provided by the CA XXXX. Equifax is insisting that I need to show them a Lien WITHDRAWAL Notice, even though the Lien Release Notice I provided to Equifax clearly shows that the lien was filed in error ( which means that the lien should not appear on my credit report ). Equifax is insisting on a document that the CA XXXX will not provide. This makes absolutely no sense and means that, even though anyone reading the Lien Release Notice would conclude that the lien should not appear on my credit report, this lien will continue to show as " Released '' and negatively impact my credit score. Also, when I spoke with XXXX Equifax representatives, they told me that no one had read the evidence I had uploaded, which means that Equifax 's review process is nothing close to reasonable.
Consumer complaint received 2016-02-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC. (OH)

Roughly 3 yrs ago i dated a woman that wrecked her vehicle. The nice person i am, co-signed for her to get a loan on a new vehicle. Within a month we had split up and she had stopped making payments on the loan. Eventually the vehicle was repossessed and we both now have a bad mark on out credit score. Some months later i contacted this Exeter finance company to try to find out what i need to do to take care of this issue. They were very rude and would not work with me at all on settling. The only thing they told me i could do was pay the loan off in full. Now i am trying to get a house loan and this Exeter finance company is keeping me from getting the loan i need. I contacted Exeter the other day ( about 3 yrs from the initial loan ) to once again try to find out what i need to do to resolve this issue and again they were very uncooperative. They would not give me any information on this loan saying it was a security issue because i was not the primary on the loan and i did not know the woman 's personal information even though i am still on the loan. I tried to explain to them that i have not had contact with this woman in years and have no way to get the information they require. They would not help me in any way and told me to hire an attorney. Now i am contacting the CFPB for help with this matter.
Consumer complaint received 2019-12-16
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 ask XXXX to validate debt and send me copies of contract or something that have my signature on it. They came back and said account verified with nothing to show me. I have no knowledge of this account XXXX XXXX XXXX with a bill of XXXX and XXXX, please remove this account from my reports.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is to follow up any response from you after XXXX days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as erroneous and incorrect information. Please conduct another investigation to the information and send me the notification that the disputed item has been updated. 

XXXX XXXX XXXX XXXXXXXX Late Date XX/XX/20
Consumer complaint received 2022-11-08
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: ALLIANT CREDIT UNION (IL)

my credit report has been reporting multiple inquiries that I have not authorized nor have knowledge. In XX/XX/2021, I purchased a vehicle form a dealership, but I already had a pre Approval from my credit union " Illinois XXXX XXXX XXXX. While giving my information to the dealership I noticed my credit was ran multiple times for potential lenders that I did not authorize and it is still negatively affecting my credit report to this day. To remedy this situation, I contacted XXXX and notified that these inquiries were not authorized and should be removed due to the negative affect on my personal credit score and report, for potential lending.
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Stage Funding (NC)

XXXX states I owe today, {$1600.00} after I was approved for deferment onXX/XX/XXXXin the amount of {$970.00}. I am currently today behind 3 months owing {$1000.00} which I just paid {$710.00} towards that amount. Speaking with rep today, he informed me that the additional {$680.00} are misc fees from my previous services ( XXXX, XXXX ) between the years of XXXX. My complaint is when my loan was transferred in XX/XX/ these fees were never disclosed. When I received this deferment in XXXX non of these fees existed, were not on my billing statements nor disclosed in any manor. Now I have almost {$700.00} in unexplainable additional fees from other servicers per the XXXX customer Service representative. I believe XXXX is attempting to collect money not owed to them. If I received a deferment in XXXX all fees should ha e been disclosed. 
And finally they are reporting to the credit bureau Im always 30 days late because of these additional fees. Illegal.
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

in the year of XXXX Mr cooper reached out to me and asked if I was impacted by pandemic I said yes, they advised me that I can go into a forbearance and the payments would go to back of the loan and payments would resume, in XX/XX/XXXX my forbearance expired, to my surprise my loans weren't placed to the back of loan but were all due upfront, they advised me to apply for a loan modification. I applied for a loan modification in XX/XX/XXXX, I was denied for a loan modification 2 weeks later which would have been the end of XX/XX/XXXX, the reason provided was income NPV. I appealed my denial per the instructions and advised the lender my finance situation improved. I sent over updated financial information on XX/XX/XXXX. I was denied on XX/XX/XXXX, which is less than 1 week of submission, citing Income NPV, I looked at the income which was not at all the income I sent over to the lender, hence the lender didn't use my correct income. and my application was not reviewed as it should per their letter and website it takes 30 days to review a loan modification. I didn't received a dedicated loan specialist per their agreement, I wasn't provided with the NPV calculation per the California home protection act, they have blocked the ability for me to receive government help to pay past due amounts, they haven't returned any of my calls or replied to my faxes. I appealed their 2nd denial on XX/XX/XXXX, and again on XX/XX/XXXX. I haven't received any calls of acknowledgement from this place, I am afraid they are plotting to steal my house due to my age I am XXXX XXXX XXXX
Consumer complaint received 2015-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ATG Credit, LLC (CA)

They are trying to force me to post date checks and use a debit cards on my account knowing that I do not have the money. They keep saying I am refusing to pay when I am not I said I am willing to pay with a money order or XXXX XXXX money with XXXXXXXXpayments before they refused the XXXX and wanted XXXX or higher. They hang up on me saying I am refusing to pay when I am not.
Consumer complaint received 2020-03-05
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money monthly. They have the wrong information. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen before. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$130.00} XXXX XXXX {$98.00} XXXX XXXX XXXX {$840.00} XXXX  XXXX XXXX {$140.00} XXXX  XXXX {$99.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX XXXX {$610.00} XXXX  XXXX {$1100.00}
Consumer complaint received 2020-03-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (SC)

I mailed AArgon a letter asking them to validate this debt but instead, they sent me all of my medical history. I did not give this company authorization to have personal medical history. My rights have definitely been violated. What happened to HIPPA??? i want this deleted from all credit reports
Consumer complaint received 2020-03-05
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. (CT)

Equifax, XXXX and XXXX are reporting g incorrect information on my credit report regarding XXXX XXXX XXXX XXXXXXXX this debt is being report as a charge off and late when it was discharged in my Bankruptcy Chapter XXXX
Consumer complaint received 2016-02-18
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA (CO)

This company has called me repeatedly and I believe has put my phone number on call lists of various marketers and vendors so that I get many recorded messages trying to sell me something. I have applied for a total and complete discharge regarding my brothers student loan and his severe XXXX has not been taken into account at all. I requested an audience or to speak with the client for mediation on the debt and they said no the client will not speak with me. My father paid {$150.00} every month for several months resulting in about {$8000.00} paid and the balance of the loan was not affected much and now that I have not been able to afford to pay it, the balance is greater than the original balance. They offered to settle for {$12000.00} within three days of the request, and said I could pay {$100.00} a month with {$30.00} going to the principal and {$70.00} going to pay interest. I said that does n't help me get out of debt and they made no effort to help me. Thank you for any help you can lend me.
Consumer complaint received 2016-12-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MI)

I am the co-borrower ( as XXXX, not XXXX ) on this loan with my now ex-husband. We 've been divorced for 2 years, however on XX/XX/XXXX, One Main Financial allowed him to do an " Adjustment of Terms '' on this loan, extending the term of the loan to XX/XX/XXXX, 5 years longer than the maturity date of the original loan that I agreed to, without my signature or even my consent.
Consumer complaint received 2022-03-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

after sending the last {$4100.00} of a scam that I was unaware the banker didn't warn me that this was a possibility of a scam since I was sending a lot of money in a short period of time. after I find that it was a scam I ask the bank to recover my money but no results in my favor were given. XXXX, I'm asking for help.
Consumer complaint received 2022-11-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (SC)

I have tried to reach out to Ally Bank, I reached out to someone from Ally Bank with the name of XXXX, no last name was given title Executive Customer Relations, and I have not received the satisfaction that I deserve. Now I am turning this Attention to XXXX XXXX XXXX of Ally Financial Concerning the purchase at XXXX XXXX on XX/XX/2022. I am bringing to your attention about a concern which is Urgent and time Sensitive. It's the matter of account XXXX. And the contract which was given to me to sign which is unlawful, and a violation of my human rights as a Consumer. When I really sat down and looked over this contract, I notice so many illegalities. First of all, I was never given the opportunity to go over this contract also the customer representative never went over this contract with me, and they violated my unknowing knowledge. I asked them can I take the contract home I was told no, I also asked If I decided not to want the car can I bring it back the answer again was no, being eager for transportation I signed the contract, But I kept looking over the contract and i notice so many illegalities. There is no such of a matter that once you signed a contract you are bind to it especially if the dealership did not explicitly explain the calculation of finance charges as well as other unknowing charges. Truth and lending u.s code 1601. 
Now Because I refuse for ally to further take advantage of me with this illegal contract I am being threaten with repossession of my property, this is not about wanting something for nothing, XXXX XXXX XXXX you and I know that the moment I step into that car dealership with my signature and social security # which is also against the law, that car was paid for also its the matter of the promissory note I sent to you on XX/XX/2022 which you didn't accept but yet never sent it back. Another payment. I am asking you to deal with this situation Immediately and to stop action on repossessing my property.
Consumer complaint received 2022-11-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CarMax, Inc. (GA)

Credit is defined by 15 USC 1602 ( e ), as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer, 15 USC 1602 ( h ), and creditor, 15 USC 1602 ( f ), I issued my credit card over the phone to a CarMax Auto FinanceXXXX  XXXX representative XXXX XX/XX/2022, a consumer credit transaction was completed and CarMax denied credit. The denial by CarMax Auto FinanceXXXX XXXX XXXX XXXX my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 ).
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (CA)

I did a balance transfer from Wells Fargo to XXXX XXXX for a total of {$5800.00}. The transaction was concluded on XX/XX/2022, with XXXX XXXX showing the balance I owed them as of that date. 
But, Wells Fargo still shows that I owe them the {$5800.00}, and their representative says it will take 1 to 3 days to post... BUT, they acknowledge that transaction took place because they already adjusted my available credit, but they will NOT let me use it, as the actual balance amount was NOT updated.

So, Wells Fargo has DELIBERATELY programmed their a system to DELAY adjusting the credit balance so they can continue to charge interest on the {$5800.00} even though they have that money.

This is yet another example of why Wells Fargo should be sanctioned and fined for continuing their criminal behavior, over and over, and over again.
Consumer complaint received 2020-03-05
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. (MI)

I have a charged-off account with XXXX XXXX XXXX XXXX -XXXX  XXXX. They are reporting incorrect information that is affecting my credit score. The account is charged-off ( since XX/XX/2018 ), and the last reported activity happened in XX/XX/2018. However, EVERY month since XX/XX/2018 to present XXXX XXXX reports me as being 90 days late to Equifax. How can they report me 90 days late on an account that is charged off?