davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

My wallet was stolen on Saturday XX/XX/13. The theif had my ID and debit card and made an illegal withdrawl at my bank at XXXX hours. They went to a teller at Chase Bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX The teller gave them XXXX XXXX  from my checking account. There were internal safeguards that were supposed to alert Chase Bank if someone took over XXXXXXXX XXXX out of an account. None of those notifications worked. Chances are, the theif looks nothing like me and they did not check the ID picture carefully. The signature did not match at all. How did the theif get my bank account number or pin? Was this an inside job from this branch or another one? I have gotten know answers so far. 
The bank is working on reimbursing me. Meanwhile, this has cost me time, money, and frustration. There is a police investigation that is going nowhere. Had Chase caught this, we could have caught the criminal and returned all my wallet. Also, Chase would not close my accounts for a day and a half becuase they did not have a photo-ID of me. This opened my accounts up to further fradulent withdrawls.
Consumer complaint received 2019-05-13
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: General Motors Financial Company, Inc. (MI)

Initial transaction started on XX/XX/2018 and completed on XX/XX/2018, We strongly believe the entire transaction was misleading, untruthful and we believe to be fraudulent. Believe we are being unfairly charged on our monthly car premium. Also, upon completion of the paperwork, we were allowed to drive the  vehicle off of the dealership lot without having any car insurance coverage for that vehicle. We have not received any response from anyone from the dealership or GM Financial.
Consumer complaint received 2023-07-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OH)

I didn't realize Wells Fargo had gotten in trouble for their 're-entry program '. I documented all of this awhile back. They foreclosed on my home after numerous attempts of me trying to pay them. I can upload the document ; it is too much to type here. In short I was in their 're-entry ' program and no matter what documents I gave, they kept asking for new documents and new documents until the original set of documents became 'stale '. They kept this up, all the while refusing to accept payments in a purposeful effort to take my house. I hear they are STILL doing this to people as well. I also had a car loan with them before all of this. I had bought the car to do XXXX so I could maintain the income to pay the house. I was approved at first by XXXX but then through some mistake on their part I was not allowed to drive for XXXX. I begged WF to roll over the XXXX? I needed to buy the car outright into the XXXX XXXX? equity I had in the house. They not only refused but laughed at me. Repo 'd the car. Then later tried to take the house. Then after all was said and done they waited 10 years to 'write off ' the supposed loss on the car which very recently went on my credit, and cost me my government security clearance I needed for my job.
Consumer complaint received 2020-04-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

BANK RESPONSE IS FRAUDULENT, UNETHICAL AND DECEPTIVE. 

I walked into the bank at approximately XXXX : XXXX XXXX, i presented all my information with a withdrawal slip, I have withdrawn from this branch before and the teller recognized me. Upon search, they came back and informed me i could not withdraw my money and stated they didn't not have a reason other than what was seen in the computer, ie the bank had refused to give me my money in retaliation to my complaints. I also received a phone call from the Chase bank later that week acknowledging this situation and stating they would get to the bottom of it. 
In the prior response of XX/XX/2020 by chase has falsified the facts and stated they were not able to find this situation even after agreeing that it happened. 
As i have earlier stated Chase bank doesn't respect the CFPB since or this process as it has deemed useless and can state any falsification to close the complaint. 
I intend to expose this unjust and retaliation behavior, this is a breach of contract and trust by the bank.
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (FL)

Chase has reported to credit reporting agencies that the business credit account with them was " charged off '' while the card were paid as agreed and Chase refuses to recognize that they were not able to accept payments remitted because it was illegal to so do after the credit bureaus INCORRECTLY reported a bankruptcy filing.
Consumer complaint received 2023-07-24
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. (IN)

I have tried several times to resolve these fraudulent accounts. 
The investigation into these fraud accounts was not properly conducted according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. 

Also, they have violated my rights even more with continuous reporting these fraud accounts to my credit file. 

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. These are fraud accounts. 
The Credit bureaus stated my account was properly investigated but how is that possible with no accuracies? 

They are also violating the law at this point, according to 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

EXPERIAN fails to remove the XXXX account. EXPERIAN reports that XXXX is the owner of this account. EXPERIAN reports incorrectly that this account is currently LATE. EXPERIAN reports incorrectly that this account is currently REVOLVING. EXPERIAN reports incorrectly this account 's date of first delinquency. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2023-07-24
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-24
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX Balance Owed : {$210.00} ; XXXX XXXXXXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX Balance Owed : {$7100.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MA)

I already filed a complaint with the CFPB, which was responded to by XXXX. The complaint number is XXXX. 

The company did not apply the law properly. 
I request to be provided with the IRS statute and exact Code of Federal Regulation title and section that states that where a mistaken transaction has occurred that XXXX may not cancel or reverse a transaction and must report it to the IRS. 

Recommend this be sent to legal dept as the law is not being applied properly.
Consumer complaint received 2016-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

For starters this is not my debt I never was present or signed any paper work and I have provided this information to XXXX XXXX and they continue their aggressive collection practices XXXX XXXX, Purchase this debt from XXXX / XXXX in 2011 they deleted after 7 years of no activity, so XXXX has by law no right to continue to report XXXX XXXX and Experian are in violation of the fair credit act
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

I received a cashiers check from a seemingly legitimate buyer of my guitar which I had online for sale. The cashiers check was written for {$1600.00} over the asking price. The buyer ( apparently elderly, XXXX XXXX said his son accidentally wrote the check for the guitar and the moving fee ( apparently XXXX was moving ). 

I e-deposited the cashiers check ( {$3500.00} ) to my Chase checking account on XX/XX/2023. 

I did XXXX the excess money ( {$1600.00} ) to the mover. 

Shortly after that, I came to my senses and suspected this may be a scam. 

I contacted XXXX and Chase immediately. I actually contacted Chase at least 3x on XX/XX/XXXX and XX/XX/XXXX. I explained my concern. The first rep told me that as soon as the XXXX transaction shows up on my Chase account, I can call them to have them reverse it, before XXXX the next day. The next day, in the XXXX, I saw that the XXXX transaction appeared as pending in my Chase account. The cashiers check cleared at that point.

I called Chase again - two different reps assured me that the cashiers check was cleared, and XXXX of the Chase reps assured me that that meant it was legitimate and that the funds have been transferred from the bank on the check ( XXXX XXXX XXXX XXXX ) to my account. I explained that I was still in the window of time to reverse the XXXX transaction, but the Chase rep conveyed to me that the cashiers check was legitimate. I even contacted XXXX XXXX XXXX XXXX to see if they could help verify the check- they said they dont do that unless youre a business inquiring. 

I have spent countless hours contacting ( or trying to contact ) XXXX, XXXX, local police department ( XXXX XXXX, IL, with whom I filed a report ), FBI online site, FTC, Illinois attorney general office, US Postal Service investigation division, and other resources. I essentially have been told that there is no way they will catch the perpetrator ( they dont have the resources to investigate or whatever ). 

I have been a client of Chase for at least XXXX decades and have been in good standing. For this reason and for because the Chase reps provided me assurance that the cashiers check was legitimate, during a window of time that I could have reversed the XXXX transaction, I asked that they please credit my account with the {$1600.00}. They just provided me with a boilerplate, generic response and to ask XXXX to help me. XXXX says that Chase and law enforcement should help me. They all just pass the buck to XXXX another, like a hot potato.
Consumer complaint received 2023-08-15
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: ERC (IL)

CFPB Writeup : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts :, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On or about XXXX XXXX, 2023 my checking account with Chase Bank was unexpectedly closed without any alerts or warnings. My account is also connected to my son 's chase XX/XX/XXXXaccount. My son 's name is XXXX XXXX, XXXX We both went to a chase branch to get some answers on why our accounts were closed. The representative and the manager at the branch told us that they did not know why my account and my son 's XX/XX/XXXXaccounts were closed. They stated that it was not hacked. This is a very difficult painful, frustrating situation to myself and my son. My son is in the process of attending college and he needed to purchase some items with his chase XX/XX/XXXXcard, but when he went to use the card, the account was CLOSED. I have direct deposit for my pay and I also use this account for my E-Z pass and other matters. 

How can Chase just dump someone's account without notice. This has caused substantial injury to myself and my son and we are totally upset and angry that this happened Also be advised that I never received any letters in the mail regarding closing our accounts.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (WV)

I have had an exceptional payment history for at least 10 months now after a bankruptcy last year. No missed payments, paid a loan off and picked up another small one to continue to help build my credit. My credit score dropped by 20 points last month for no reason whatsoever. I have called and tried to get them to explain and they told me they couldnt because they were not qualified to do it. I am under the impression that they are trying to get a little retribution because I sent them a couple of letters, emails, and made some phone calls to try and make them do their job or we would be meeting on the inside of a XXXX XXXX XXXX to let a judge figure it out and they are making an attempt to retaliate against me for it. I made a point to tell them that I am very serious about my credit file now that I have went through a bankruptcy to get a clean slate. Apparently they think I am joking. I missed 2 payments on a car loan in XXXX and XXXX of XXXX but since I havent missed a payment on anything and my credit score has been going down regularly over the last several months. I have had to contact them 5 or 6 times over the course of the last year to try to get information corrected and investigated and they have literally done nothing. They are always wanting to tell me they are reporting what is being reported to them but I am calling my creditors and they are giving me the dates of every time they report to the credit companies but the credit companies will go three or four months sometimes without updating my file with the information that my creditors are giving me and only after I call and complain or dispute are they forced to do their job and at times they still do not do it. I think they should be thoroughly investigate and criminal complaints need to filed against them I will be more than happy to put my signature to them. I have had quite enough of their garbage and they have been warned by me personally several times. I would appreciate anything the CFPB could do to help me in this matter. We will be visiting court if this can not be resolved through this body but I am doing my due diligence to try and get things taking care of before the papers go out. Thank you.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I used the atm at chase bank, I have an account with them, this is the second time my money has been taken from the atm I deposited roughly XXXX dollars tte first time. The second time I deposited XXXX dollars roughly and no one in the bank helped me, I have asked that this claim be escalated because I am depositing the money because I have bills to pay now I will be late on them and receive late charges all because the atm stole my money. I asked that the atm overages be checked and all they did was tell me to call the number, I asked to speak with a XXXX and they said there was none. The atm gave me a receipt with the sequence number on it and nothing to do with my deposit.
Consumer complaint received 2023-08-14
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: BARCLAYS BANK DELAWARE (FL)

I am writing to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report from your organization on XX/XX/2023 and noticed a credit inquiry that I did not authorize. 

If you find that the inquiry is valid, please send me proof along with a description of your investigation procedures
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

My mortgage servicing company, Select Portfolio Servicing, received my payment on XXXX XXXX, 2016 electronically from my bank. Funds were applied to my conventional mortgage on XXXX XXXX, 2016 XXXX day after electronic receipt, although they were applied incorrectly. The payment submitted was {$28000.00}, of which {$3200.00} was for the regular payment and the remainder for principal reduction ; for this it was noted as " other payment '' on their web site, the only option available. The payment applied was {$3200.00} for the scheduled payment and {$5000.00} in principal reduction ; the remaining {$20000.00} was noted in the payment since it was a single electronic payment but the amount does not show in the accounting of the mortgage. In particular, the mortgage principal shows a reduction of {$5000.00} only. Several calls have been made, with the most recent saying it will take XXXX5 business days to apply this ; unfortunately, this is contrary to Federal law requiring payments be applied on the day received. Their mishandling has incurred extra interest charges since the principal was not reduced. Additionally, they changed the next payment date, apparently with a policy to pay up to two months ahead with extra payments instead of applying to principal ; this was not provided in any documents or truth in lending, and results in the customer paying higher interest for the loan which is disturbing when Select Portfolio Servicing , Inc. already maintains an escrow account with has more than a months payment in it.
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

The company in question ( DiTech, formally Green Tree ) not only calls and harasses me on my home phone ... but they call my cell phone, the corporate office for my place of employment and leaves harassing messages on the main voice mailbox, leaves messages on my personal line at work, has left more than a dozen messages on the business line for my brother in laws business, left messages at my mother in laws house, and my husbands uncle and cousins ' houses.
Consumer complaint received 2023-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I received services from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ca XXXX, ( XXXX ) XXXX ). They sent me a check for my remaining unused balance of {$320.00}, mailed on XX/XX/. I did not receive this check, when I inquired, they notified me that the check had been cashed fraudulently by other individual. 

I received a 2nd due payment from them by mail/check for {$130.00} on XX/XX/, which I cashed to my bank XXXX. 

The payor bank is Wells Fargo. I do have their routing number ( XXXX ) /account number ( XXXX ) from the second check that I received by mail. They informed me the check number was # XXXX. As far as I know, they have not submitted an investigation and will not tell me the bank who cashed the check ( depository bank ). 

They have instructed me to notify my postmaster, and I have submitted a service request with the United States Postal Inspection Service ( USPIS ) regarding mail theft.
Consumer complaint received 2015-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (MS)

On lease form the amount owed is exaggerated. The lease that procollect provided for payment was altered. Lease time whited out. Did not sign the copy that the company whitened out. Have copy to show the original plus the copy provided by the collection agency.