davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Two fraudulent wire transfers were executed on my checking account. The first one was on XX/XX/XXXX and the second one was done on the next day, XX/XX/XXXX. I called Chase Bank right away to report that I was the victim of a scam when I suspected that I was not speaking to a Chase Bank employee who had called me from a verifiable Chase number that I had stored in my contacts because I had used it before to inquire about credit card charges. When I called, one transaction for {$5800.00} was pending and a {$3000.00} was left in my account and I asked about the protection of the funds that were left realizing that someone had access to my account. I was then transferred to another person who speaks with fraud victims and again, I expressed my concern for the protection of the money left in the account which was {$3000.00} and she actually set a new username and password on my account and assured me that the account was protected. But the next day, XX/XX/XXXX, the second wire transaction was executed and it should not have been if the account had be frozen. I was notified of the second fraudulent transaction by Chase via email on XX/XX/XXXX. 
I was told by a supervisor that my account had been accessed by a another device other the one linked to my account and that this information was not entered into the research of the fraud transaction. 
I was told that the claim was denied because of a one-time passcode that was used. I did not use the code and the supervisor said that 2 codes would have been required for the 2 transfers but only one was used. I did not authorize these transactions. The money was stolen from me.

I have faxed an Appeal to Chase claims department on XX/XX/XXXX with attached receipts of XXXX XXXX service where I took my computer to have it serviced same day, XX/XX/XXXX and I also sent a copy of the email from Chase on XX/XX/XXXX notifying me of the second fraudulent transaction. I requested a response within 48 hours but have not received it. 
There is clear evidence that my account was accessed by another device. The second transaction should never have happened the next day. These funds were stolen. I called and reported right away which is what I am supposed to do. 
I am asking Chase Bank to do the morally and ethically right thing and fully return these funds to my account. I know it is within their scope to do so. This is a devastating loss that I can not endure.
Consumer complaint received 2024-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (OR)

On XX/XX/XXXX I called ALDOUS AND ASSOCIATES, PLLC about a debt regarding XXXX XXXX. On XX/XX/XXXX there was a newly posted debt from this company from XX/XX/XXXX for {$120.00}. I had directly paid {$120.00} to XXXX XXXX on XX/XX/XXXX, the same day it was posted on XXXX. The manager at XXXX XXXX had emailed both me and ALDOUS AND ASSOCIATES, PLLC stating the debt was paid and to remove it from their company. The debt was not owed to ALDOUS AND ASSOCIATES, PLLC anymore. Regardless of the debt I paid, the company does not have my legal name, address or email address. No contact was made to me about this debt and it had gone unpaid for 7 months because this company did not attempt to contact me. I spoke to a manager of this debt collection company and they said they would mark it as paid in full but would not remove it from my credit score. This debt belongs to XXXX XXXX, and I settled it with XXXX XXXX. ALDOUS AND ASSOCIATES, PLLC does not have the right to hold this debt on my account. The manger also refused to give me information regarding my identity and did not provide an email stating the debt or any other legal papers regarding this matter. He blatantly stated I dont think we did anything wrong and we will not do anything about it. He hung up the phone while I was speaking.
Consumer complaint received 2021-02-23
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: CAINE & WEINER COMPANY, INC. (VA)

I have an inquiry on my XXXX  credit report for Caine and Weiner from XX/XX/2019. I did not authorize this inquiry at all. I contacted XXXX  and was told to contact the company ( Caine and Weiner ) that made the inquiry to have it removed. I did reach out to Caine and Weiner and was told that they only placed a collection account on my report, not an inquiry. My XXXX report clearly shows an inquiry from this company on my report and I need help having it removed as it was never authorized. Thank you.
Consumer complaint received 2020-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Recovery Group (CA)

XXXX Is in my blocked call list, but somehow it transfers to voicemail. They call everyday with a recorded message, They are threatening legal action unless I respond, TODAY! They have been calling everyday for over 2 weeks. They say to call the above number and give the case number, but they don't supply the case number. I call but only get a voice mail.
Consumer complaint received 2020-05-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc. (TX)

The claim was denied by the insurance because it went to my secondary insurance first ( please see, page 3 of 7 part of the attached EOB ). 

XXXX XXXX  never billed the primary insurance ( please see the attached XXXX mail from primary insurance ). 

XXXX XXXX  needs to bill all three climes to my primary insurance, and it will be covered ( please see the attached insurance card of my primary insurance ). 

According to the attached e mail from the primary insurance, all other services pilled them, except for XXXX XXXX, which proves this claim is an error from XXXX XXXX. 


All the above information was provided to the collection agency within the appropriate time frame, but it was ignored for some reason. and they used abusive language during the last call and provided false information by claiming both health insurance was billed.
Consumer complaint received 2020-07-07
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: Bristlecone, Inc. (IL)

This item was opened fraudulently using my information on XX/XX/2019. The collection agency XXXX XXXX XXXX, has since contacted me profusely about this debt. I've since filed identity theft and disputed with the Collection agency itself sending a notarized letter and affidavit, yet the discrepancy remains on my credit report.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NV)

Our business used Chase Business services. Unfortunately, our business failed. But, in the interest of being good people, we decided to pay off all debts. Our credit card had a balance of XXXX XXXX. Our Checking had a balance of XXXX XXXX. So, the XXXX of us all chipped in {$850.00} each and paid off the credit card well before the interest was due. This was done, in person, at a Chase banking center. After all debts were paid and all accounts were closed, we got a bill another month later stating we owed {$46.00} in interest. 

Every other credit card that the XXXX of us has ever had has never charged us interest in this way. They say it's standard. Well, if this is their standard, I recommend not doing business with them.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX I used my Bank of America, XXXX XXXXXXXX XXXX card to make a purchase at XXXX for {$520.00}. On XX/XX/year>, in the next credit card billing period, I returned the item back to XXXX and received an immediate credit back to my XXXX XXXX XXXX XXXX However, even though the remaining balance on my XXXX XXXX XXXX XXXX only {$6.00} ( for a new purchase ), on the due date of the account, Bank of America XXXX XXXX full {$520.00} balance as was due from the previous month 's statement balance, even though the {$520.00} credit from XXXX had been credited back to my account XXXX DAYS prior to BOA taking the {$520.00} out of my account! 

I called BOA to complain and the XXXX XXXX told me it looked to me like I had gone online and paid the bill. I assured her that I had NOT gone online and paid the bill, that I was set up on auto-pay and that BOA went in and took the money, even though there had been a {$520.00} credit issued to the account XXXX days prior to the payment due date, which was the amount of the prior month 's statement balance. The XXXX XXXX told me, " Well, if you are set up on auto-pay, the bank is going to take whatever the amount of your prior month 's statement was, out of your bank account whether there were any account credits during the current month or not. '' I told her I literally have XXXX other credit cards, most of which are with XXXX, XXXX, and XXXX, and ALL of them take out the prior month 's balance on the due date, MINUS any statement credits I received in the current month up until the date of the auto-pay. The XXXX XXXX simply told me, " I don't make the policy. '' Now BOA has {$510.00} of my money, which they have no right to!
Consumer complaint received 2016-12-21
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (DC)

I have been trying to track down my student loan debt with navient once it moved from under XXXX. Due to awful communication and customer service from Navient, the debt then was moved to collections under General Revenue Corporation. They had an old address that I have not lived at for over 3 1/2 years and were sending letters to that old address which were of course not forwarded anymore. So, they started calling everyone and anyone they felt was associated with me. They had my phone number and email correct just the wrong mailing address. I find it harassing and professionally embarrassing that they were calling people who I do n't even know that they had marked as " possible associate '' on their call list. They finally called collegue over at the White House, at the EOP, how mortifying! He emailed me today about it and I resolved the issue with General Revenue Corporation. I am going through my security clearance renewal and have an upstanding reputation in my Federeal community and this is just, very very unnerving. I feel that General Revenue Corporation overstepped all boundries in acceptable methods of contact, calling people I do n't even know and collegues I rarely see. My current address is easy to find online and via DMV and public records. I went through this very long list of people that GRC had on my file as " possible contacts '' and did n't even know some of them! Creditors should not me randomly calling people who may not even know you or who may only be professional colleagues to try and contact you regarding debt. It is inappropriate and harassing behavior that can also lead to negative professional ramifications. 
I 'm happy to provide a dozen contacts as long as creditors like General Revenue Corporation do n't make up a random list on their own using whatever random methods and call professional colleagues at the White House. Especially when they can find my current address easily as a matter of public record.
Consumer complaint received 2020-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NY)

I'm trying to get proof from my bank that thay paid the school taxes I called up my local tax office on XX/XX/XXXX to ask them if its paid in thay told me no, So I paid it from my bank account than I'm calling up my bank from my mortgage to ask them way isn't it paid im paying in every month for the escrow so they told me they sent out a check so im calling back the tax office ask them if they get the check so they told me they get it on XX/XX/XXXX in they sent it back to the bank Now im trying to get back the money from the bank and thay not answering me So please can you help me with that
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I mobile deposited a check I received from the dealer as a reimbursement for dmv fees regarding the purchase of my truck. The check sat through a  XXXX day hold and was credited to the account, they took out what I was overdrafted and a balance of {$810.00} was left out of {$870.00}. That same day my accounts online/mobile access was blocked. I immediately called and asked why the block was put on my account, when I was then told that my account was under an initial review by the back office team and I would receive something in the mail. I was told it would be 4 days and theyd have it done on XX/XX/XXXX. On XX/XX/XXXX I called again to see what was going on and because I still had not received any written correspondence in the mail in regards to the availability of my funds or the reason my account was blocked. I was told there was nothing that the representative could do for me and theyd note the account of my call but that they had to get in contact with the back office. On XX/XX/XXXX I called again because I had not heard nor received anything about my account or availability of funds. The representative I talked to told me that my account was still under review and they would note my account. On XX/XX/XXXX I called again and was told that my account was still under review and that my deposited check is being returned, when I asked for more information I was told that was all they had and theyd note the account and Id receive written correspondence about it. On XX/XX/XXXX I called again and brought to there attention Federal Law, XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX & XXXX & XXXX regarding the expedited return of checks and notice of returned checks, because the check was still in my available purchasing power but being withheld from me. I also brought to there attention in the XXXX Edge Account Agreement subpart G Availability Section [ i ] [ XXXX ] [ XXXX ] [ XXXX ], XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ i ] [ XXXX ] [ XXXX ], which proves the check has not been returned because it wouldnt be in my account under available purchasing power. They continue to keep the block on my account and refuse to release the funds to me, still as of today my balance shows {$810.00}. I asked for a complete source of receipt today XX/XX/XXXX showing the returned check, which they refused to provide me with. I brought to there attention Federal Law, Regulation CC Subpart B-AVAILABILITY OF FUNDS AND DISCLOSURE OF FUNDS AVAILABILITY POLICIES Sections XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I continue to get nowhere by having verbal correspondence with them and they continue to violate my rights under federal law as well as their own account agreement.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Free XXXX XXXX XXXX  order telephone number ( XXXX ) should have a record of my call to order my free credit report from all three agencies on XX/XX/XXXX. Although XXXX  and XXXX  did send me my credit reports with that date, TransUnion did not. Instead of sending me my free annual credit report in compliance with federal law, TransUnion sent me a letter dated XX/XX/XXXX ; that falsely claims that their records show that they have already provided me my free credit report within the past year. My records and the XXXX, telephone number records show that my last order for a TransUnion credit report was on XX/XX/XXXX ; and they sent me my free annual credit report printed on XX/XX/XXXX. XXXX promised to mail me my credit report during my phone call to TransUnion 's telephone number at XXXX XXXX XXXX XXXX to resolve this issue with the company on XX/XX/XXXX. Unfortunately, TransUnion never sent me my free annual credit report. If TransUnion claims that my access to their credit report was made through the internet, please have them permanently shut off internet access to identity thieves who fraudulently order my free annual credit report. Please force TransUnion to immediately send me my free annual credit report in compliance with federal law. 

Please also issue a rule that credit agencies may not claim to have already sent a free annual credit report if the Free XXXX XXXX XXXX order telephone number ( XXXX ) shows an order date more than one year old. Perhaps credit agencies send the letter falsely claiming to have already provided a free report to fraudulently charge consumers money for a credit report in violation of federal law that says it should be free.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MA)

My student signature private loans through Navient were not deferred in XX/XX/2016 when I returned to college as a full time student without an income. I contacted Navient and was told that I would continue to receive late fees every month if I did not pay my loans. Navient told me there was no way to defer that particular loan or any options to reduce my payments. I have had perfect credit up until this recent issue.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

The XXXX XXXX XXXX on my credit report is reporting to Experian that it is a Mortgage. That is not correct. This account is simply an installment loan. Due to this reporting, I am having trouble getting an actual mortgage through XXXX XXXX and XXXX XXXX. Please contact XXXX XXXX and have them change this account to an XXXX XXXX. Attached is the Promissory Note that shows this is NOT a mortgage
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I requested validation of this alleged debt 5 times already. I have never received anything .Attached is a copy of my most recent request. 
Only Santander bank answered be in a ridiculous way, telling me that they dont understand what I want.
Consumer complaint received 2020-07-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Aldridge PIte Haan, LLP (WA)

On XX/XX/XXXX, Mr. XXXX XXXX, XXXX No. XXXX and Alridge Pite Haan, PLLP filed a lawsuit against me for the old debt that has already been closed or charged off in XX/XX/XXXX regarding the XXXX XXXX Credit Card with XXXX XXXX XXXX  XXXX or XXXX XXXX  XXXX XXXX XXXX. This is illegal for Mr. XXXX to pursue for this old debt that already discharged off or closed account. I received the summons on XX/XX/XXXX for this lawsuit. It is also illegal for Mr. XXXX and the District Court of XXXX County to serve the Summons openly and Mr. XXXX ( XXXX male in his XXXX ) has no rights to see my private information regarding this lawsuit. The summons supposed to serve to me with the seal envelope. This is illegal conduct on their part. Therefore, I am asking the CFPB to investigate this discrimination. I am being protected by the Consumer Protection Act.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2022-10-05
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-09-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (FL)

Jefferson Capital Systems , LLC has used obscene and belligerent language requesting to collect a debt ; that they have shown no evidentiary documents I have a contract with the said company. Jefferson Capital Systems , LLC are in violation of 15 USC 1692.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase took over First Republic Bank. They are now converting my old accounts with First Republic Bank to JP Morgan Chase. They have set the default account type and fee structure on all of my accounts to the highest fee option available to them even though my accounts do not qualify. 
I called multiple times. I mostly got robots. Once I did reach someone one they told me the decision was based on " many factors '' but they could not tell me what factors. 

I believe JP Morgan Chase is doing this intentionally to trick all transferred accounts to incur unjustified fees. 

They sent multiple packages ( XXXX ) of pages of information that is dense, confusing and incomplete. I carefully reviewed all pages and I can not find out why they have chosen to set all of my accounts to the highest fee option possible even though none of my accounts qualify. This is a scam!