davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CA)

Since I purchased my vehicle through dealer financing, I had found that I could not get through the online services to pay my bill. 
I managed to get ahold of someone on XX/XX/XXXX and pay my balance in full. They walked me through setting up autopay and I was verbally told that the account was up to date and was fully paid. I had been misled and the autopay had not been set up. 

In XXXX I received a notice stating that repossession had been initiated on my vehicle. When I attempted to log on to see what the problem was I found that I could not and I had received no correspondence from them. It was not until I talked to a debt collector that I found out that Chase had frozen my online account, actively preventing me from paying my bill. I paid my bill in full to the collector that they gave me a number to call and pay over the phone. 

Despite having the means and willingness to pay my loan on time, Chase actively pushed policies preventing me from paying my loan and attempted to reposess my vehicle.
Consumer complaint received 2022-05-06
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: EQUIFAX, INC. (NV)

I noticed unauthorized inquiries appearing in my credit report. They are : 1. XXXX XXXX  on XX/XX/XXXX 2. XXXX XXXX XXXX on XX/XX/XXXX 3XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX 4, XXXX XXXX on XX/XX/XXXX 5. XXXX XXXX on XX/XX/XXXX 6. XXXX XXXX XXXX on XX/XX/XXXX XXXX
Consumer complaint received 2022-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

This complaint follows complaint XXXX. As previously detailed, I attempted to withdraw {$200.00} from my checking account at Chase Bank on XXXX XXXX in XXXX XXXX XXXX. Chase 's response to my former complaint is problematic, because it entirely leaves out that Chase has a policy of allowing customers to withdraw up to {$100.00} without identification. After declining my transaction, none of the tellers or the manager offered to allow me to take out {$100.00} without identification, if, in fact, they say my identification was expired, and they can't process it due to federal law. Apparently, federal law allows them to make up their own policy to withdraw up to {$100.00} without identification. Chase 's response is entirely insufficient and withholds information about this policy to CFPB. There is zero reason to not allow me to withdraw at least {$100.00} according to their own policy. Chase withheld my money without any reason, declined my transaction, and the employees, including the manager, exhibited outlandish unprofessionalism. I want to know why I was not allowed to withdraw {$100.00}.
Consumer complaint received 2015-07-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CITIBANK, N.A. (TX)

My husband and his relatives ( people who use to live in my address ) received several calls from the following number : XXXX. A woman on the phone, did not identify herself said that police officers are on their way to my job to arrest me. She made several phone calls to my son, my husband 's children. She said the call is for Zales jewelers from account in 1997.
Consumer complaint received 2022-05-06
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)

I recently received a copy of my consumers report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (IA)

XX/XX/XXXX an unauthorized transfer from my checking account to my credit card happened. I believed i canceled this transaction on XXXX. This is the second transaction that moved between accounts. I contacted the bank stating this was unauthorized and needed to be reversed. 

the bank did not allow me to access the funds until XX/XX/XXXX. I spoke with multiple representatives in person and over the phone. I do not think i was properly verified or properly transferred. 

The bankers stated they have no record of previous interactions and i had to follow up to remedy the situation.
Consumer complaint received 2022-08-23
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 sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-05-06
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be CORRECTED immediately : XXXX
Consumer complaint received 2022-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (MI)

Ive asked several times why Ive one got an interest rate so high ( 20.99 % ) when my credit score during the loan origination was ABOVE 620. They are taking around 80 % of my monthly payment of {$330.00} and applying it to interest. Every time I ask they either A. Hang up on me, B. Give me a line of XXXX, C. Tell me they have the right to do as they please because its their money, or D. Tell me theyll get back to me and NEVER do. To give you an idea Ive been paying on this loan since XXXX of 2018 with a beginning balance of {$13000.00} and according to them I still have to pay these crooks over {$9000.00}!! By time Im done paying this loan off I will have paid over {$24000.00} for a car that wasnt even worth the {$13000.00} I financed it for!
Consumer complaint received 2022-06-09
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. (FL)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as i did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your EARLIEST CONNIVENCE. I actually have security freeze on my accounts. which should have alerted me prior to my credit being ran. I did not receive any alert or notifications that my credit was being ran for these accounts which is very disturbing. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as i am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's identity Theft Affidavit in regard to this incident. Please investigate these matters and remove these inquiries.
Consumer complaint received 2022-05-06
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: EQUIFAX, INC. (CA)

The following are fraudulent inquires that need to be removed : XXXX ( XXXX ), XXXX  XXXX  ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ).
Consumer complaint received 2022-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

Hello! I am complaining about SYNCB TJX CO PLCC. I have been making payments to TJ Max rewards. Two of my payments were rejected because of insufficient funds. I reported my debt card stolen at the time. As of yesterday XX/XX/XXXX I saw on credit karma that synchrony closed my account without my permission. I called XX/XX/XXXX XXXX and the lady told me that they closed my account because I had two payments rejected. She told me that even if I was to pay credit card that they could not reopen my account and that if I was interested in getting another card with them that Id have to start the process over, but I would still have access to my closed account with the balance {$460.00} to pay off. I called XXXX XXXX and filed a dispute.
Consumer complaint received 2022-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (WA)

Summary : Ally XXXX  is erroneously charging us for property taxes that are not assessed by XXXX XXXX. Repeated discussions with their people, and referrals to their Escrow department to double check, have been ineffective. With this mistake in place Ally Mortgage is raising our monthly escrow payment by nearly $ XXXX, which we will not pay and they have been unable to correct. 

Our home property taxes to XXXX XXXX, WA are {$8900.00} annually, payable by XXXX installments, XXXX in XXXX and XXXX in XXXX each year. 

We received an Annual Escrow Account Disclosure Statement from Ally Mortgage, dated XX/XX/XXXX. This statement indicates that XXXX separate disbursements were made from our escrow account in XX/XX/XXXX, XXXX for {$4400.00} and a second one for {$3500.00}. Both payments were described as being " XXXX. XXXX  '' payments. The {$4400.00} payment is the proper amount owed, a XXXX XXXX treasurer statement dated XX/XX/XXXX showed that {$4400.00} was received and credited to our account, and NO further taxes were due by us until XX/XX/XXXX. 

The {$3500.00} amount that Ally disbursed from our escrow account. is NOT ours to pay. XXXX XXXX treasurer did NOT receive a payment of {$3500.00} for our account. I have spoken with them about it and they verified they did not receive that. 

On XX/XX/XXXX at XXXX PST I called Ally Mortgage at XXXX. I explained the situation to the customer representative and she said that the Escrow department would research this and send me an updated statement. 

I did receive an updated statement and it still indicated this bogus {$3500.00} charge. 

On XX/XX/XXXX at XXXX PST I again called Ally Customer Service and spoke to a gentleman about this issue. I asked him who this bogus payment of {$8500.00} was paid to and he said it was paid to XXXX XXXX. XXXX XXXX denies that they received a payment in this amount for our account. After several minutes of wrangling he said he would personally look into this and call me back. 

As of XX/XX/XXXX I have received no further response from Ally bank and have decided to file this complaint. 

Until this is resolved I have canceled our AutoPay to Ally XXXX. Payments will be made by a mailed check that will continue principal, interest and escrow payments made before this error was introduced.
Consumer complaint received 2017-01-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I signed up for a new checking account with Citibank while they were offering a {$400.00} bonus. I met all the requirements for the promotion and I was told it could take up to 90 days after I met the requirement to receive my bonus. It has been more than 90 days since I met the requirement and I have not received the bonus. Three phone calls and one email chat with Citibank and they tell me I have met the requirements and I should have received the bonus but I will need to wait until the back office is able to review the information.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ENCORE CAPITAL GROUP INC. (TX)

My ex wife, signed my name to a credit card as a co owner. I never knew, until I got a letter from her bank, this was in 2008 I showed it wasn't my signature, and thought that was it, she filed bankruptcy on it, and now 16 years later I'm, having my pay garnishment, I filed a police report. 
I have a wife now who is XXXX. And I only work
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (FL)

I contacted XXXX  about CITI on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about this fraudulent account that's reporting on my credit report. XXXX XXXX never provided me with any documentation proving that this account is mine. I also provided an FTC Report and sent several certified letters.
Consumer complaint received 2015-05-11
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (KS)

We paid our re-financed mortgage off almost a year ago, got a letter of pay off and was told we would get a lien release mailed. No lien release has happened. CitiMortgage tells us when we call, that the account has closed. We need our lien release!
Consumer complaint received 2016-09-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (LA)

I opened a Citigold bank account with Citibank XX/XX/XXXX with promo code XXXX, which promised XXXX XXXX XXXX miles after {$1000.00} in debit card purchases and 2 months of bill pay. I confirmed the promotion was attached to my account, and on XX/XX/XXXX received a letter from Citibank confirming that I have satisfied the requirements of the promotion. The letter stated that I should receive my miles by my XX/XX/XXXX statement cycle. I still have not received the miles as promised.
Consumer complaint received 2022-05-06
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. (MI)

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. Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights including Equifax. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-30
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. (FL)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 )
Consumer complaint received 2022-10-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Supreme Lending (AZ)

On XX/XX/2022 I sent a email to Supreme Lending loan servicing, in regards to escrow shortage. I asked for 24 months to pay off shortage. I was told that the 24 months was granted but it would only lower my payment by XXXX dollars. So I decided to look into my account online and notice that my taxes did not match what I actually had receive from the state of Arizona. So I look up the tax records for the past 5 years and email them to Supreme Lending. I also email my XXXXXXXX XXXX tax bill, because their numbers were wrong also. Due to all of the mistakes that Supreme Lending is making it is and has cost me more money. I decided to pay off shortage and have escrow account removed. My first attempt to pay off shortage was XX/XX/2022, I paid what they said I owed. So I sent another email on XX/XX/2022 asking to remove shortage. On XX/XX/2022, I received a response saying, I do not meet XXXX and Escrow balance is $ XXXX. So I called and paid the XXXX and verbally asked to have escrow removed. I have researched this and found that I do not have a HPML loan. So why are Supreme Lending trying to force those rules on me? And even under those rules my true LTV is under 80 % .I even sent the page in my closing disclosure that says I can remove escrow. I add some screen shots of my online account, when you look at year to date Information in the screen shot, you can see that it says I paid XXXX in taxes but my taxes are not that high. My taxes are XXXX. I feel that it is in my own best interest to pay my taxes and insurance.
Consumer complaint received 2022-05-06
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)

XXXX XXXX is reporting an alleged late payment that they have not verified by tangible/visible proof! 


in accordance with the fair credit reporting act XXXX XXXX  acc # XXXX violated my rights 15 u.s.c. 1681 section 602 a states i have the rights to privacy. : it also states a consumer reporting agency can not furnish an account without my written consent or instruction!

last but nor least according to 15 usc 6802, NO FINANCIAL INSTITUTION IS ALLOWED TO SHARE MY PURDNENT INFORMATION WITH A THIRD PARTY!
Consumer complaint received 2022-05-06
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. (MD)

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

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

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

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions
Consumer complaint received 2022-05-06
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. (GA)

In accordance with the fair credit reporting act XXXX  the following accounts/ inquiries have violated my rights. 

# XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 ( a ) states that I have a right to privacy 15 U.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 2022-08-23
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: Experian Information Solutions Inc. (TN)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-05-05
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. 
15 usc 1681 section 602 states I have a right to privacy.

15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Texas Guaranteed (SC)

Trellis company is reporting and trying to collect a debt that is 13 years old. This is a personal student loan issued to Colorado  XXXX College in XX/XX/2007. The XXXX is XX/XX/2007. I called Trellis to discuss the account. I also replied via email to a letter that I received from them in the mail demanding them to cease and desist on the collection and reporting of this account. Per the FCRA the statute of limitations has passed on this account. Trellis has been illegally re-aging this account.