davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

Hello and thanks for your time. 

My wife and I do our banking with Chase, and three accounts had unauthorized ACH withdrawals by a fraudulent company by the name of XXXX XXXX. 

On XX/XX/XXXX, they withdrew {$3800.00} from our XXXX XXXX  son 's savings account. 

On XX/XX/XXXX, they withdrew {$8900.00} from our savings account, and another {$18000.00} from our checking account. 

We have never done business with nor interacted with XXXX XXXX, and we did not authorize any withdrawals from our son 's saving account, nor our checking or savings accounts. 

Research showed that this company does not exist, their phone number rings with no answer, their po box is false, and their physical address is in a shared office space that is not aware of their existence.

There are at least two other families in our community who have had the same thing occur ( unauthorized withdrawals by XXXX XXXX ) but with different banking partners. 

After learning of the transactions on XX/XX/XXXX, we immediately contacted the fraud department at Chase. We asked them to deny the charges, as they were still pending. We were told that the pending transactions would not go through, that they would be blocked. However, the charges did go through. 

On our XX/XX/XXXX phone call with Chase, they failed to assist in a satisfactory manner. We had to escalate our call to management, who also provided very little guidance. The following day, we went to our local branch, and a bank rep helped us by providing the necessary affidavits to sign ( attesting that we did not authorize the withdrawals ), and helped to close the affected accounts and open new accounts. Chase also provided a credit to my son 's savings account, but not to our checking/savings accounts. 

We also filed a police report with our local police department. 

This morning, Sunday, XX/XX/XXXX, we received a notification from Chase stating the following : " Thank you for contacting us about the transaction ( s ) on your account. Here 's what you should know : As we discussed and agreed, no action will be taken. 
This inquiry is now resolved. '' We had neither discussed nor agreed that " no action '' would be taken. Chase has apparently resolved the inquiry, and somehow decided that huge overdrafts of tens of thousands of dollars was acceptable, despite the fact that we called to let them know we did not authorize the charges, and that XXXX were debiting money directly from two different savings accounts, in addition to our checking account.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NC)

XXXX Mortgage company had reported me to all credit bureaus as FORECLOSURE HAD STARTED -- -absolutely complete lie!! I had reached out to Consumer financial protection agency to get XXXX to own up to their errors, which they did and finally XXXX sent me a letter to inform me that XXXX would contact all credit bureau agencies to repair the damage. XXXX will not accept the letter from XXXX they want an " electronic deletion from XXXX directly ''. XXXX is not entertaining my request and told me they already sent the letter and that 's enough. I do not feel I am being treated fairly from EXPERIAN! XXXX account needs to be PERMANENTLY removed from my credit reports as well as the HARMFUL " foreclosure '' remark needs to be removed from all XXXX credit agencies : XXXX, XXXX AND EXPERIAN!!! I have monitor systems on all these accounts and the foreclosure is still being reported!! 
Thank you!
Consumer complaint received 2022-07-20
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-03-04
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: ABSOLUTE CREDIT  LLC (SC)

On XX/XX/2020 I sent a 3rd party debt validation letter to Absolute Credit, LLC requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$440.00} which is a fraudulent charge. By law pursuant to 15 U.S.C section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Absolute Credit, LLC has failed to validate this alleged debt within the ( 30 ) day allotted time frame pursuant to 15 U.S.C section 1692g. They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C section 1681b.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MO)

I am a sole proprietorship in XXXX House XXXX services. I was approved through the XXXX for a loan in the amount of XXXX. A loan i have to payback and have interest on. My account that was a personal account through chase bank, which i notified them about the deposit. It was direct deposited in the account XX/XX/XXXX or XXXX i have no access to the account for the exact date. My purse was stolen from a hotel and charges were made that i did not authorize and i was debited back the money around XXXX $ over XX/XX/2022 XX/XX/2022. I had some issues getting my bank card, I had moved out of the address they sent the card. I could not update the address because it took 30 days for there system to update. I was in between homes at the time so i was staying in hotels. I had to get withdraws from the branches in XXXX XXXX. I guess this gave them reason to close my account XX/XX/2022 I was told a cashiers check would be mailed to corrected address. It was but it was only for XXXX it was XXXX short. 
I was told to bring in documents. I took in tax returns, loan agreements, denial letters, written receipts. None of these were acceptable. in fact on XX/XX/2022 i went into branch to upload one last document, i was told they had none of my documents in there data bank. its now XX/XX/2022. I can not get a account no where and im at my wits end with this i need my money. how is this ok
Consumer complaint received 2022-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

Hello, My federal student loans were recently transferred to MOHELA. The problem I am having with my new student loan servicer is ( 1 ) they do not return my emails and ( 2 ) they have not updated my number of payments from XXXX to XXXX although I have submitted my documents verifying my employment with an approved public service institution over a month ago. All someone has to do is take XXXX minute to review this form and then update my account and no one has done this. 

Not updating my account in a timely manner could force me to make payments unjustifiably. Also, I do not understand why no one at MOHELA has yet to respond to my emails that I sent nearly two months ago when it says you will hear back from them within 5 - 7 days?

Please help resolve these two issues I am having with this new federal loan servicer, MOHELA. 

Thank you very much. 

Best wishes, XXXX XXXX, XXXX.
Consumer complaint received 2022-02-28
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. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XXXX XX/XX/2021 with follow ups disputes each month for 7 months and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TN)

I had disabled autopay for a time and paid manually. I restarted autopay two months ago only to get an alert that I was charged a fee last month. I re-enabled autopay and set up a payment before calling in and having the fee reversed. Today I got another fee notification and logged to find that autopay was disabled. I made a payment and called in again, they refused to reverse the late fee and claimed that autopay has not been re-enabled since the first time it was disabled.
Consumer complaint received 2019-12-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Risecredit, LLC (CA)

RISE/XXXX initiated a loan with me in XX/XX/2018.The loan interest rate exceeds 150 per cent APR. 
The CALIFORNIA SUPREME COURT RULED IN XXXX OF 2018 that this loan 's interest rate was " unconscionable '' violates California 's UCL ; Bus.and Professions Code 22302.The court ruled that this lenders unconscionable interest rate along with other behavior displayed by Rise made the loan UNENFORCEABLE. 
AN UNENFORCEABLE LOAN CAN NOT BE DISPLAYED ON A CREDIT REPORT AS THAT DISPLAY IS '' AN ATTEMPT TO COLLECT A DEBT '' .THIS LOAN, IF NOT DELETED BY ALL CREDIT BUREAUS CAN SUBJECT BOTH BUREAUS AND THE FURNISHER TO CIVIL DAMAGES IN CA SUPERIOR COURT SHOULD SUIT BE BROUGHT BY ME.
Consumer complaint received 2017-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

On XXXX/XXXX/XXXX I sent a letter to the creditor asking them to validate the debt as well as remove the debt if the information was reporting inaccurately. I 've received no feedback from this company. I did receive a notification from XXXX XXXX and XXXX  that the debt was being reported as a collection. I have NO KNOWLEDGE of this debt at all.
Consumer complaint received 2016-05-12
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: AMERICAN EXPRESS COMPANY (CA)

I AM REPORTING UNAUTHORIZED TRANSACTIONS MADE BY AMERICAN EXPRESS IN MY BUSINESS ACCOUNT. AMERICAN EXPRESS ASSESSED MY ACCOUNT TO MAKE CREDIT CARD SETTLEMENTS AND COLLECTIONS TOTALING {$23000.00} DURING XX/XX/XXXX-XX/XX/2016. THESE TRANSACTIONS WERE MADE BY A MERCHANT FOR GOODS USING AMX. THERE IS ABSOLUTELY NO REASON MY BANK ACCOUNT ROUTING NUMBER SHOULD HAVE BEEN ATTACHED TO THE XXXX TRANSACTIONS PROCESSED BY AMX. I WAS NOT INFORMED OF THESE ERRORS AND AM VERY UNSETTLED THAT MY ACCOUNT HAS BEEN COMPROMISED. THIS SITUATION HAS NOT BEEN COMPLETELY RECTIFIED AND I AM WORRIED ABOUT ANY CONSEQUENCES WITHE IRS REGARDING THE {$23.00}, OOO.
Consumer complaint received 2022-11-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NY)

IC System reported a missed payment on a debt I didnt know existed, after finding out I am a XXXX  XXXX  recipient and they could not get money judgement. IC System asked me to file police report, but police said stall tactic by XXXX and XXXX. XXXX has never sided with person over corporation and they did not address complaint
Consumer complaint received 2022-07-20
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MN)

In XXXX I approached Wells Fargo to refinance my variable mortgage originated in XXXX at which time they refused to finance the entire amt in one conventional and required a down payment plus a 2nd loan for 10 % ( approx $ XXXX ) which they presented with a nearly 12 % APR. I read the information and was told that it was a principal/interest loan but did NOT realize it was an interest DAILY loan. I was told that as long as payments were made the payments would apply toward principal & interest, more the former as time went on and 15 years the balance would be a balloon payment due ( XX/XX/XXXX ). They just recently informed me that I would now be required to payoff nearly $ XXXX after paying them double the origination amount after 15 years of on time payments and I don't have that balloon payment. I contacted them regarding my hardship and requested any program that they would have in place due to the predatory nature of this loan and a settlement payoff amount of set value and they declined. Fact remains, Wells Fargo originated this loan during the height of their predatory lending practices and did so to take advantage & now I'm the one paying the price. They need to be held accountable. I should NOT be stuck with having to pay MORE. They knew what they were doing & I should not be further penalized for their criminal practice in XXXX
Consumer complaint received 2022-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2022, I had a charge on my XXXX  card for {$160.00} @ XXXX XXXX hotel, I called the credit card company stating I did not revived any services from this hotel when I arrived at this property it was unsafe & the room was rigged with unauthorized surveillance equipment illegal I said Im not staying at this property but the the property still charged my account. I complained to my credit card company which closed that credit card account & reissued a new card to me & they said the problem was resolved & I would be getting my refund immediately if not by the end of the billing cycle which was XX/XX/2022. Never received my credit on my account
Consumer complaint received 2022-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NJ)

A payment was made in full of {$6900.00} for balance on card on XX/XX/XXXX by my XXXX company ( XXXX ) to pay off my debt and received by Barclays on and processed on XX/XX/XXXX and to this date it has not been dropped from my account. I inquire about this issue several times and was informed on XXXX XXXX that they did not have payment and an investigation would start and it would take 30 days. However I received a dated XX/XX/XXXX indicating that it would take another 45 days for investigation. In the mean time I have been incurring fees and interest. I have documents to indicate receipt of amount and letter from Barclays of further investigation.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Navient Solutions, LLC. (HI)

I have a student affiliated loan that is governed by Navient. I understand that Navient is either going through a huge class action lawsuit and or it is or has completed the class action lawsuit. I was contacted several times by representatives informing me and assuring me to go into a forbearance status so that they could offer me steps to have my loan removed and or reduced. During the conversations which took place in XXXX, XXXX and in XXXX, I continued to make payments but was always sidetracked into the amounts and the possibilities of having my loans reduced and or removed. While trying to focus and manage these loan conditions, some payments were either missed and or fraudulently reported to the three credit bureaus. Currently I am on a forbearance again and I have to contact a representative to provide certain information to Navient so that they can lower my payments. I believe that I am a victim of fraud and corruption with this company.
Consumer complaint received 2022-10-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VERITAS FUNDING, LLC (CA)

XXXX XXXX XXXX Current Legal Name : XXXX XXXX XXXX XXXX ID : XXXX Location ( s ) : XXXX, AZ XXXX Represents : Veritas Funding , LLC XXXX  XXXX ) Sending fake document requesting call in and then asks for ssn. 

Fake VA XXXX XXXX  belonging to homeowner
Consumer complaint received 2021-11-26
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$200.00}
Consumer complaint received 2022-11-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

This dealership keeps switching up their contracts every Time I get approved for a loan. I did business with them twice and the last time they kept my money and told me being back the vehicle 3 weeks later. That is yo-yo financing- spot delivery these companies mest my whole credit im losing points on the daily because of these people
Consumer complaint received 2019-12-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (CA)

I started receiving gratuitous contacts ( 4 unsolicited, and 7 additional after asking to cease communication ) within 24 hours from National Small Loan regarding a loan I did not apply for, and funding of said loan. Each contact requests additional information, the team refuses to stop contacting and to delete my information without me providing significant amounts of PII via unsecured email.
Consumer complaint received 2022-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (VA)

XX/XX/XXXX My spouse contacted Chase about return of her misdirected bill pay payment of {$1800.00} to Chase.com. It was intended for our mortgage company - not Chase. Our balance owed to Chase was {$50.00} or so and was paid separately.

Repeated calls to Chase- with long wait times often more than 30 minutes- yielded conflicting and unhelpful replies about correcting the repayment. Including that our bank XXXX XXXX needed to send documents to Chase to facilitate the correction which Chase reps said were received on XX/XX/XXXX. 

XX/XX/XXXX Chase advised an electronic refund payment would be made to our checking account at XXXX XXXX within 3 to 5 business days. 

XX/XX/XXXX Having received no payment, we called Chase again. Rep, XXXX XXXX told us that payment would be sent to XXXX XXXX by XXXX. that day. 

XX/XX/XXXX According to XXXX, payment was still not received. We called Chase. The rep advised that the bank had no detailed record of our calls, including that payment was due to be sent by XX/XX/XXXX, even though other reps assured us that a record was being logged. This rep said we might receive email notice within 72 hours about a means to facilitate a " good faith refund '' by electronic transfer. If no email is received, a paper check would be sent to our residential address within 10 days. 

The rep added that this step indicated a failure with Chase 's error correction process and noted that we were filing a complaint with Chase for same. 

In addition, our bank, XXXX, was not supportive in working to correct the error despite promises to work with us and Chase. 

At this point, Chase will have wrongfully had our money for more that 30 days. We find this unconscionable as this far exceeds any balance otherwise owed to Chase. They have no right to the payment. It was a mistake. They are at best incompetent in resolving this and worse negligent maybe even willfully so.
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. (PA)

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$11000.00}