davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

I am going thru a Family Hardship causing my house to fall into foreclosure. I decided to withdraw funds from my XXXX XXXX 401K Retirement plan to avoid to loose my roof. XXXX XXXX issued the tranfer via " ELECTRONIC FUNDS TRANSFER ( AFT ). XXXX   Issued tranfer on XX/XX/2019 by " electronic check number # XXXX for the amount of {$11000.00} ( Before taxes ) for the 2019. The Net amount to be deposited into my JP MORGAN DIRECT DEPOSIT ACCOUNT ENDING IN # XXXX WAS $ XXXXnet. ( after taxes ). On XX/XX/2019 started the transfer process. Approximately by XX/XX/2019 ( the 3rd business day the {$8200.00} funds were supposted to be in my direct deposit JP Morgan account ending in # XXXX. XXXX XXXX did an error by depositing the funds into a " INCORRECT CLOSED UNKNOWN ACCOUNT IN JP MORGAN ''. I opened a claim # XXXXwith JP MORGAN. I requested JP morgan to reverse the funds inmmediatly to XXXX, so they can issue a new check to send us asap. or to deposited the funds to my correct account ending # XXXX. JPMorgan said they cant reverse funds unless XXXX  send JPM a letter of Indemnity.  but XXXX dont do this letter. Its been 30 days that ChaseJPMorgan continue to keep our funds and not release them that causes us multiple overdraft charges, cancelling our car insurance, missed out deadline to pay our Mortgage to avoid foreclouse, didnt pay our car payment etc. On XX/XX/2019 I scalated this complaint to JP MORGAN ARIZONA COMPLAINT DEPARTMENT. because Chase JPM already closed the case without letting us know or without given us a solution or an answer. ( we didnt know ). I got a call from ARIZONA COMPLAINT DEPT week of XX/XX/2019 by XXXX XXXX with no solution but to wait. On XX/XX/2019 I decided to write an email to her boss Ms XXXX XXXX XXXX to scaled the my claim to have my voice heard. i send her via email, proof of bank statements with overdraft fees, proof of car isurance cancellation, crying out im loosing my roof etc. On XX/XX/XXXX, also XXXXXXXX XXXX  and i did a 3x way calling with XXXX XXXX and she said that this call was sccaled to her boss that due to this letter it was scaled to the executives Of chase Jp Morgan and i have to keep waiting. its been 30 days that JP MORGAN CHASE IS KEEPING MY FUNDS. all they have to do is to " reject the transaction " so XXXX XXXX can mail us a new check to us next day delivery. Chase dont want to realease the funds with no reason? Please help. im loosing my family roof ... .. 

Note : I contacted today againTODAY XX/XX/2019 with XXXX XXXX. They adviced me that on XX/XX/XXXX, XXXX  did a request to JPMORGAN to " Reverse the funds to be sent it to the appropiate account holder ( Me ) " attempt was " EFT REVERSAL WAS MADE '' IT WAS NOT SUCCESSFUL.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

I am filing this complaint to SYNCB/PPC for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (AL)

On XX/XX/XXXX, Navy Federal Credit Union received a credit report from XXXX. 

I was denied credit ( a new home mortgage ) based on 'Excessive obligations in relation to income ' and AMOUNT OWED ON ACCOUNTS IS TOO HIGH. 
This is not supported by the information on my credit report since all accounts have been paid in full since XXXX. 
My FICO score varies between 837 and 850 with all bureaus. 
I use only two credit cards and pay off the balances every month.

The only outstanding loan is my mortgage with Navy Federal with a balance of $ XXXX and monthly payments of apx {$1200.00}. 
XXXX will not allow me to dispute the incorrect Key Factors listed above that resulted in the denial of credit even though my account information does not support their denial reasons.
Consumer complaint received 2020-08-25
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: Experian Information Solutions Inc. (LA)

The 3 credit bureaus, XXXX, Experian, & XXXX are reporting accounts that were not authorized by me. I have submitted documentations per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove.
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

Please see my attached letter which fully describes and shows proof that I paid the loan off within 60 days of the loan being transfered to a different servicer. I was never late for 13+ years and the new servicer incorrectly inputted the loan 60 days delinquent but they had already been paid in full prior to the 60 days. As you know, by law, the new servicer must give you 60 days prior to reporting anything late and through a refinance, I had already paid them off. Please see the closing statements and facts that I have provided. I was never late. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Company name XXXX XXXX XXXX for the amount of XXXX as of XX/XX/XXXX company no longer in service and it still appears on my credit report, XXXX XXXX XXXX  closed as of XX/XX/XXXX this company does not serve people residing in the NY state area I also have reported capital one bank which is still appearing on my report I have no business with them and they were previously removed from my report and it is on my report once again XX/XX/XXXX
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/ after being Wells Fargo customer for over 20 years I applied for a business credit card as I recently incorporated my small business. 

Having 20 yr history with Wells Fargo and always have solud account history I applied for business credit card. Having great credit History solid income and XXXX in 800s I was denied. 
When I called I was not given a valid reason why I was denied. I never got a response to my credit card application. I had to call back several times
Consumer complaint received 2019-07-03
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: Experian Information Solutions Inc. (VA)

An online dispute was submitted to Experian on XX/XX/2019 regarding a 30 days late listed on my credit report for the month of XXXX. I disputed that XXXX 's payment was not 30 days late, but was indeed paid. Experian stated, after the investigation was complete on XX/XX/2019 and that it was reported accurate by the data furnisher. I also received an updated credit report on XX/XX/2019 showing the late payment ( attached ). 

Attached is proof that a {$1000.00} payment was made for the month of XXXX on XX/XX/XXXX to XXXX XXXX and was not late, along with the confirmation number furnished by XXXX XXXX. There was also the minimum payment paid on XX/XX/XXXX for {$50.00} shown as well, which shows that the XXXX payment was paid days early and was not 30 days late.
Consumer complaint received 2023-01-20
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. (NC)

This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

I was sent a letter from WF saying my account was negative for a bad check but like I told the reps I spoke to about this that I didn't cash or deposit any checks and wasn't going to pay for something j didn't do eventually WF just stopped reaching out or returning my calls and my account was closed
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (VA)

My accounts were always off and when I reported them to Wells Fargo it was always some kind of fee I was made to pay or the incorrection was on my end. I was charged fees from XXXX XXXX XXXX  which is what made me switch banks.
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My husband had a membership with XXXX and he canceled his membership and they charged his account XXXX and he called and got it refunded on XXXX the same day they charged him the XXXX so the payment was still processing at the time of refund being issued. I have confirmation number, called bank of america with an issue because the statement isn't coming up on our records at all, As if the transaction never happened .my husband mad as he can be called the bank and tried explaining it to them and they didn't want to hear it and they kept insisting that they was no transaction done by XXXX . Which is incorrect.
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (IL)

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 XXXX XXXX XXXX. 

Account number : XXXX, Account name : XXXX, reporting on Experian, XXXX, and XXXX has violated XXXX rights. 

Account number : XXXX Account name : XXXX XXXX XXXX  Experian and XXXX has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Experian has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Experian has violated my rights. Reporting twice! 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Experian has violated my rights. Reporting twice! 

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.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XX/XX/XXXX in the evening I began receiving emails that an account was being applied for through Bank of America. 

This was followed by a confirmation of a new account and several emails about changes in contact information. 

I noticed this around XXXX as I was going to bed. When I googled the phone number from the emails, I found a lot of reports of it being a scam and a couple of reports of it being legitimate. 

First thing in the morning on XX/XX/XXXX, I called Bank of America through a number I had searched myself and discovered that someone had opened an account in my name the previous night and that the account couldn't be immediately closed because the individual also made a XXXX transaction. 

Bank of America notified me that if there is activity on an account then they have to investigate before they can close it and it could take up to 90 days to get a decision on whether it was opened without my knowledge ( which it was ). 

On the XXXX of this month, someone charged {$450.00} to my XXXX Bank XXXX XXXX card. I reported the fraud and it is being investigated. I didn't report this because I thought someone had just found my login credentials. However, now I am worried that these are related. 

The merchandise ordered fraudulently through XXXX XXXX  was shipped under my husband 's name to the following address : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX.
Consumer complaint received 2020-08-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (SD)

On XX/XX/2020 I contacted Nissan Finance to buyout my lease. They told me I had to contact that dealership. I contacted them the same day, the Finance Manager told me to come in later in the week. I went in on XX/XX/XXXX to discover that my account was blocked and they couldn't " ground '' the vehicle into their dealership. I called Nissan Finance 12 times in the course of this and left messages with supervisors and nobody would call me back. Finally I heard back on XX/XX/XXXX that they got it " grounded '' and to come in and sign the paperwork. I went in and they told me I owe {$10000.00} to buy out the vehicle. This number is incorrect because on top of the lease payments I made and in the course of the lease term I made an extra {$14000.00}, so that when my lease was up I would have it paid off. I showed the Asst Sales Manager my Payment History on my account at Nissan Finance after I logged in and showed him. He agreed it should be paid off and the {$10000.00} was not the correct amount. He then made more phone calls to which nobody has been a help. Now here it is, XX/XX/XXXX and I'm still not able to receive my title from Nissan because they didn't apply all my payments to my account accurately at the time it was blocked ( for whatever reason. Still not sure why it was ever blocked ). Since I don't have my title to my car I'm unable to get the South Dakota license plates to the state that I moved to a few months ago. XXXX County Treasurer wants a copy of the title before I can get my SD Plates, and since Nissan has no idea what they are doing I'm unable to get my Title. I called Nissan Finance again today and left messages and nobody calls me back. I've emailed Nissan and nobody returns my emails. Customer Service is unable to help me and tell me it needs to be escalated to a supervisor and they drop me to the supervisor 's voicemail.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

6 accounts were opened under my name by one of your managers in the PA locations. ( XXXX XXXX XXXX  ) Done without my knowledge..district manager involved..district manager took care of issues but I was never credited all the fees I had to pay out of pocket in order to rectify dispute! Promised I would be reimbursed.
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (OH)

I have disputed a debt from National Credit Systems and sent them correspondence on XX/XX/, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXXXXXX XXXX stating the amount owed and correspondence from XXXX XXXX wherein XXXX XXXX XXXX filed a claim on my behalf which was paid. 

This debt has been listed on my credit report for several months, causing my credit score to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the FTC.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (WI)

I once had a checking account with Wells fargo and it was closed due to charges that was not authorized. They would look into it they just closed the account. I have tried to open a new one but have been denied. I do have my savings account but no checking account.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

in accordance with the fair credit reporting act. the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX 15u.s.c. 1681 section 602 a states i have the right to privacy 15 u.s.c. 1681 section 204a section 2 also state a consumer reporting agency can not furnish an account with my written instructions 15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumers report containing any of the following items of information any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information related to a consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2023-01-20
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. (NJ)

I have an account with XXXX capital that is not reporting on my Equifax credit report that should be reporting. There are XXXX accounts XXXX reporting XXXX and XXXX that is supposed to be reporting XXXX. The XXXX account is currently not reporting in Equifax only but is reporting on the other CRAs I will provide the account number below for the account that is not reporting but should be I have tried to fix this on both ends I was given a. Letter from credit strong the furnishers of the account to help the situation XXXX XXXX XXXX XXXX XXXX  should be reporting on my credit report
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

On Friday XX/XX/2020 I tried to temporarily lift a credit freeze from my Experian report. The website would not let me access this. I spent approximately two hours online and on the phone trying to get help for this. Online would not let me enter the website to do this. The customer service number is just an automated computer. It would not give me a person to talk to, and then it hung up on me. I looked up a phone number on the " XXXX XXXX XXXX XXXX  '' website. I finally got a person to talk to me. They said they were getting me a free membership so that I could sign into the website. I gave them all the information they asked for. Call center was in the XXXX and I had a hard time understanding the person. He said I would get an email in 5 to 10 minutes giving me access to the site and allowing me to select a password. I never got an email. On Saturday I went to the website again and put in my username. I got a screen that said I had to call a telephone number. When you call that number you get a computer who will not give you to a person and then hangs up on you. It is now Sunday and I have been given the runaround for 3 days now. Isn't it illegal to prevent me from accessing my security freeze?
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Three accounts are showing the incorrect status & account balance after contacting the credit bureau. 

XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2020-08-25
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: Experian Information Solutions Inc. (TX)

I noticed inaccurate negative items reporting on my credit. I disputed the errors with all three Credit Bureaus. XXXX and XXXX XXXX removed them. However, Experian continue to send me a stall letter stating that they received a Suspicious Request. I responded and sent them everything they need to identify me, but they failed to respond to my disputes. I am being denied credit due to errors being reported by Experian. This is unlawful and I need help dealing with this matter. It has been over 120 days and They still refuse to respond to any of my disputes