davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (NY)

On XX/XX/2022 someone used my debit card information to make a fraudulent purchase of {$530.00} from XXXX XXXX XXXX. I disputed it with my bank, Chime ( banking services by XXXX Bank XXXX and in a very quick turnaround they denied my claim. There was little to no time for any investigation to be had. I've called and pleaded with them to reopen the claim, but they tell me I need to bring new information to the table. I contacted XXXX XXXX XXXX myself and they've told me that they can not look up any transactions without a ticket number ( which I obviously do not have ). I've hit a dead end and have simply lost {$530.00}. 

I've never even heard of XXXX XXXX XXXX before this. I've never traveled to the XXXX XXXX. I have geolocation on my phone proving I've been in America all year. If a real investigation actually occurred, any sane person would realize I did not make this purchase.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MD)

On New Years Eve I lost my wallet and phone in my XXXX I took to XXXX XXXX at XXXX pm. I left the car and noticed my wallet and phone was not on my person. I kept calling Chase bank which is where I had my debit card from in my wallet with. And could not get in contact with someone until someone used {$2800.00} through transactions at a bar and dispersing {$500.00} from ATM using my pin code which they gave out. I submitted a claim on the XXXX of XXXX and was told not to file a police report. Now Chase has informed me the Charges are authorized because the chip on debit cards prevents all fraudulent transactions. I finally reached Chase at XXXX to cancel my debit card but it was already to late, the culprit already made their purchases with my debit card.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CL Holdings LLC (TN)

Seen an open balance on my XXXX XXXX account from Jefferson Financial. This was an account that I did not recognize and submitted a request for more information on what this collection was for and the only response that I received was that I owed the debit. I was never informed of who it what this was for. I still have no idea what this debit collection is for.
Consumer complaint received 2022-02-02
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. (GA)

There are many accounts on my credit file that either are not mine or placed there in error by the credit report agencies. I am not associated with the accounts and after a few attempts to correct this error I am now taking my complaint to the next level. There is a list of US DEPT ED, XXXX XXXX, XXXX XXXX XXXX XXXX amongst other accounts listed that I clearly stated are not mine. I have not once received any proof that I have the credit reporting agencies permission to furnish such information on my file per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I should not have to fight to get anything corrected or removed when the only validation of any account or accuracy comes directly from me per law.
Consumer complaint received 2022-02-02
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX by capital one is not reporting accurately. XXXX XXXX fico score does not update. XXXX XXXX will not delete the capital one accounts that are closed instead XXXX XXXX is reporting on XXXX XXXX and XXXX XXXX XXXX closed Capital One acconts as open. XXXX XXXX  will not delete duplicate accounts of Capital One XXXX XXXX does not report accurately on my credit profile to XXXX, XXXX and XXXX. XXXX XXXX only reports on my Capital One accounts. XXXX XXXX repair credit service does not do what it says it will do it appears to be bias to other accounts and does not consider accounts in good standing thus continuing to report on capital one closed accounts as open and curtails the score very low. Credit Score points never reaching ove 4 points but decreases monthly due to closed accounts being open. 
The total amount of debt XXXX XXXX is reporting is inaccurate. The credit usage is inaccurate. 
The XXXX XXXX shows average on for accounts paid on time this is unfair.
Consumer complaint received 2022-02-02
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: Dynamic Recovery Solutions, LLC (AL)

I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). XXXX XXXX  XXXX, XXXX, and XXXX  XXXX  are accounts opened by someone who stole my identity.
Consumer complaint received 2022-02-02
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. (GA)

I am submitting this compliant on my own. There is no third party involved with this complaint. I have sent numerous letters to Equifax, and XXXX informing them that I am a victim of identity theft. Someone opened an auto loan under my SSN. They also This item in my credit file are from unauthorized use of my social security number and card. I did not authorize this accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. I'm asking Equifax, and XXXX to Please have this information removed from my consumer report under 15 U.S.C. 1681c-2.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

Hi my name is XXXX XXXX XXXX I've been working on a stock market for 2 years a little over 2 years and when the pandemic was getting everybody scared to death we were told to stay in our homes and work became a thing of the past a new virus was killing our world after surviving it and during surviving it I became bored of XXXX  and food so I wanted to I guess make a living so I hit this I tried to stock market and I never looked back but to get my money my earnings from Big banks that stole My money and other people cover up their tracks and make fake reports and stuff but just the system is always good there's a lot of people probably going to go to jail behind us I really feel bad
Consumer complaint received 2022-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc (CA)

The company Best Service can not provide evidence that there is a wet signature of mine on the account that they are reporting as a collection. XXXX and XXXX are not reporting this as a collection. Only XXXX has this reported as such. This debt was never mine and the Best Service Company did not provide me any info on the validity of the debt.
Consumer complaint received 2022-02-02
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. (NY)

Experian failed to provide consumer with proper method of verification of XXXX allege XXXX late payments. On XX/XX/XXXX and XX/XX/XXXX Experian sent consumer an E-Oscar response claiming to have verified this dispute but failed to provide me with documentation they received from XXXX verifying the dispute. If no documentation was provided to Experian from XXXX that means that Experian verified this dispute by mere hearsay which is in violation of multiple FCRA violations.
Consumer complaint received 2022-02-02
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (TX)

I need to report any negative report that XXXX XXXX XXXX might have provided to my credit also i was Getting BBVA erased from my credit with late payment when they force placed on my trucking during my time
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

The Citi Bank credit card in question was closed and paid in full with XXXX balance as of XX/XX/2022. No other activity had occurred from me. The card keep auto attempting to chard a payment to my Check account with XXXX  XXXX XXXX. My Bank representative filed a fraud complaint and it stopped until recently. 

They contacted me that I have an outstanding balance because they credited my check account by {$150.00}. They did not credit my back account nd there has been XXXX activity. 

I have call 5 different representatives over the phone and explained there is no active account and any claims for charges are fraudulent. 

They will not stop and I need you to avail your assistance. 

I have a letter from the XXXX XXXXXXXX XXXX representative who can verify that their claims are false and no activity from Citi Card with my checking account has accured since the account was closed XX/XX/2022.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I purchased XXXX air tickets with XXXX XXXX using my Chase Bank Sapphire Reserve Card that includes insurance for trip cancellation protection. 
Due to a XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX. On XX/XX/XXXX I submitted a trip cancellation claim with Chase Bank XXXX XXXX services via their e-claims on line. Claim # XXXX and their address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has not paid the claim and continues to ask for the same documentation that I have already submitted several times. Specifically, credit card statements showing my loss of a cancellation fee of {$300.00} XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX cancellation policy. I have complied and submitted these documents more than once. Now, the claims administrator is asking for me to submit them again and a specific charge from XXXX XXXX to my card. The claims XXXX knows very well that the cancellation fees are deducted from the price I already paid for the airfare and the airlines do not send a separate bill for a cancellation fee. The XXXX XXXX has been attempting to make it impossible for me to receive compensation. Researching XXXX XXXX on line shows a terrible rating with hundreds of complaints like mine as they try to wear down the complainant to give up.
Consumer complaint received 2023-01-18
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. (CO)

In XXXX of XXXX I sent a letter to Experian to investigate and update XXXX accounts that are reporting inaccurately. 

They responded in XX/XX/2023- stating that the XXXX accounts have been " updated ''. 

I received my credit report and they did nothing to correct or update the accounts. 

First off, these XXXX accounts Have NEVER been late, they are student loan accounts which have been in deferment so it's impossible that they were late. 

They are reporting on all three accounts a payment status of " XXXX was past due 180 days or more ''. Which this is completely an FCRA VIOLATION because a payment status is to reflect the CURRENT PAYMENT STATUS which is " PAID AS AGREED ''. 

Considering they sent me a response stating they were going to update all three accounts and it is completely wrong information being reported, THIS NEEDS TO BE UPDATED TO PAID AS AGREED IMMEDIATELY. 

If this is not changed, I will be forced to exercise my legal rights for their blatant disregard for XXXX XXXX. 

Ive attached the credit reports with the payment status highlighted for your reference, my initial letter requesting the update, and their response showing they said they updated them
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (LA)

Now I have submitted three times to have my credit report corrected thus far XXXX XXXX and XXXX have cleared the Data Furnishers unauthorized on my credit report. On XX/XX/XXXX, the bureaus stated that they did not know who was reporting the Public records Case # XXXX. I sent this information to the FTC was sent on XX/XX/XXXX, but lost my complaint in the mail room - tracking # XXXX. On XX/XX/XXXX, I submitted a complaint with CFPB in which I was unable to access my account. After numerous calls and with verbal verification XXXX was removing the unauthorized bankruptcy. I was to receive the letter from CFPB as of XX/XX/XXXX, I still do not have the letter. I was informed by the CFPB that the letter has been sent and that they can still see letter from XXXX agreeing to remove the unauthorized Data Furnishers. XXXX and Equifax have stated they needed proof of my identity which is 100 % false. I was told by the CFPB today XX/XX/XXXX, that I needed to resubmit my claim for XXXX and Equifax to remove the unauthorized bankruptcy. 

Complaints XXXX XXXX, XXXX XXXX XXXX Equifax XXXX Public Records Caselaw Supreme Court Ruling XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Violations 5 USC 552a Violations 31 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration 42.56.070 ( 8 ) Attached is proof of my submissions to XXXX and Equifax. I am not including XXXX because they have removed the Data Furnishes.
Consumer complaint received 2022-02-02
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. (CA)

Last year I discovered a false account with XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have transferred the money to savings account. I have cancelled all my bills and wasnt expecting a charge. They paid XXXX and charged me overdraft fee. I contacted the bank and they stated that it is correct and my back up account wasnt connected to the checking and I got charged a fee. It states on the company policy that as of XX/XX/XXXX they are eliminating insufficient funds fee. They didnt eliminate one for their loyal customer and try to charge you any fee possible. Please take a look at this company.
Consumer complaint received 2016-08-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AE)

In 2010 I filed for Chapter XXXX bankruptcy in the U.S. Bankruptcy Court of Nebraska which was approved XX/XX/2010. At the time the largest debt was a mortgage which was held by Bank of America at the time of the bankruptcy ( previously the loan was owned by Countrywide Mortgage. This was a refinanced mortgage from an XXXX loan that we used to initially purchase the home. At the time of the bankruptcy I was going through XXXX for the XXXX. After the bankruptcy was approved my wife and I have tried everything imaginable to give the home back to the bank with zero success. We returned the keys to the bank, cleaned the house- moved out. We hired an attorney to try to conduct a short sale on the house, which the bank made so difficult it was impossible to short sell the house to repay the bank as much as possible. About two years later while I was XXXX at XXXX, TX I was contacted by a representative from BOA who tried to get me to rework the loan despite the fact that the mortgage was discharged in bankruptcy. I tried to explain to him that there was no loan to " rework '' because it was discharged in bankruptcy. He became very belligerent and I calmly explained to him that his behavior was n't permitted per the paperwork I received from the Bankruptcy court. He calmed down and claimed that he would do some more research after I gave him the bankruptcy case number and other info concerning the bankruptcy. Several months after that time my wife and I began receiving statements from BOA claiming that they were paying lawn care ( which we have learned has not been taking place according to our prior neighbors who claim that the city has been mowing the grass ) and homeowner 's insurance on the property and reflected an outstanding balance. Then BOA sued my wife and I in a foreclosure case in County Court. Finally we sought the assistance of a Legal Assistance Attorney with the JAG office here in XXXX where we are now stationed. We tried to settle this case by offering to execute a Deed in Lieu of Foreclosure which was sent to the attorney representing BOA. She submitted the settlement offer to BOA who refused the settlement offer because they claimed incorrectly that there was a HUD lien from the original mortgage that Bank of America ( or the predecessor Countrywide ) did not have cleared when they assumed the loan.
Consumer complaint received 2022-02-02
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: TD BANK US HOLDING COMPANY (CA)

Target Bank card was fraudulently established in my name. Target claim I took ownership when I called submitting my name social And other personal items of verification to my identity. I inquired about the fraudulent activity that has established I presented documentation immediately filed an FTC report as with bringing them the documentation of the police report. 

In turn theyve also sold the debt off to a XXXX XXXX XXXX XXXX. This collection company also has been harassing me through USPS Mail of the same fraudulent debt. 

I spoke to a XXXX ( Target Fraud Dept ) on XXXX XXXX stating he was going to make this an utmost priority to update and remove. 

I spoke to a XXXX  ( Target Fraud ) on XX/XX/XXXX who advised me that Target Would be able to remove an update with the CRAs upon receipt of me faxing over the FTC report. I complied in doing so nothing was updated nor removed. 

On XX/XX/XXXX I spoke to an ( Target Fraud Resolution Specialist XXXX ). XXXX stated that a form called 1099-C had been submitted to the credit bureau and this debt was being updated with that form for removal. I then requested to have this document since this is a crucial piece of evidence to obtain since it to had to be submitted to the IRS. He mentioned that he had to get this information and it would take a couple of days for him to get back to me I never heard back from him. 

I followed up and spoke to a ( Fraud Target-XXXX  Fraud Resolution Specialist ) On XX/XX/XXXX approximately XXXX to XXXX PM she started in with documentation of this fraudulent account and calls that were made inquiring and stated that all the calls were coming from my phone number I begged differ and I told her Im not quite sure as to what she was insinuating however this account was established on fraudulent pretenses. 

She left a voicemail at XXXX PM the same day stating that she needed me to follow up she would be sending documentations in for me to fill out paperwork for fraud. 

I returned her call where she also confirmed that she wanted to send documentation and have me fill out paperwork and return. 

Im traumatized enough I am not submitting my personal identification Social Security my whereabouts to this company I have submitted the proper documentation that target person told me to submit and now they are requesting me to upload more information and to my Social Security number. This here has prevented me from Housing its also defined my character as they have sought after me for this debt as well as sold this debt that was fraudulent to a collector who is now hounding me for the same debt.
Consumer complaint received 2022-02-02
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: Affirm Holdings, Inc (NY)

I have unauthorized debt on my credit report from Affirm. I am only XXXX XXXX XXXX someone is opening lending accounts in my name without my consent and its affecting my credit drastically
Consumer complaint received 2023-01-18
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: JPMORGAN CHASE & CO. (FL)

{$170.00} XX/XX/2022 at XXXX ( country ) I was flying from XXXX ( XXXX ) to XXXX ( XXXX ) I purchased a ticket using XXXX XXXX that included 1 free baggage. 
While checking in XXXX representatives demanded that I'd pay for the baggage that I already paid for. I had only 1 piece of baggage. They held me hostage. Either you pay or you will not fly. Being in foreign country and felt a XXXX and being blackmailed I had no choice to pay. When I came back I opened a dispute with Chase Bank ( Credit Card services ). I was told that because I signed and paid, they can not do anything. When I asked if they did any investigation as I have a proof of paying for the baggage, they told me that if I signed ( even being blackmailed and felt XXXX ), I must pay. I asked what if they had a XXXX to my head. Chase CC services told me that I still would need to pay. 

I believe Chase CC Service must conduct investigation to confirm that I already paid for the baggage and credit me back. That's OUTRAGEOUS what they told me.