davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2021, I had initiated an online bank transfer from Chase Bank ( Savings account ) to XXXX Online Bank for the amount of {$15000.00}. My fianc and i had just created a joint savings account through XXXX bank and had linked both his bank ( XXXX XXXX XXXX ) and my bank ( Chase ) through HIS profile. 

After two business days, the {$15000.00} had been pulled out of the Chase savings account, but ended up being rejected by XXXX ( rejected transfer ). I got an email from XXXX saying so and to call Chase about this issue. I wanted to find out the reason for the issue, so after a call to XXXX, they said that even though we had a joint account, we still needed to have our own SEPARATE online profiles. Our account was temporarily suspended ( security purposes ) until we created the new profile. I created a new profile for myself and the suspension was lifted and I then was able to link my Chase Savings account successfully. However, the {$15000.00} that was pulled out of my Chase account initially was still never returned to me. The money was neither in XXXX or Chase. 

XXXX bank said that since they rejected the transfer, they had pushed the funds back to Chase ( sender ). 
When we called Chase, their claims department said they can not do anything and should contact XXXX ( recipient ). 

After going back and forth between calling these banks, we decided to put both banks on a conference call ( XX/XX/XXXX ). The account manager ( XXXX ) from XXXX bank asked Chase to use an ACH return code : XXXX to do a manual recall of the funds to the appropriate account, and after explaining that the transfer was rejected, Chase said that this situation does not fit ANY of the scenarios they had in the system. Chase apparently had never been through this situation so did not know how to respond, and they could NOT do a manual XXXX recall. After staying on the phone for over two hours and being transferred to numerous departments, Chase again said that XXXX ( being the recipient ) must do something on their end. The manager at XXXX said that she would escalate this situation to upper management. On XX/XX/XXXX, she called me and basically said the same thing I've been hearing for a month : " unfortunately, there is nothing on our end that we can do and you need to resolve this with Chase bank. Tell them to issue an XXXX recall. '' -I went to a Chase branch in person multiple times and told them about the problem i was having and they had me fill out an ACH claim form. A week later i had received a letter from XXXX stating that the situation was resolved and no further action was needed, even though nothing had been done. 

It has been over a month now and I would like to escalate this situation as far as I can in order to get my money back into my account.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance to The Fair Credit Reporting Act this creditor XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX TX XXXX Phone Number : XXXX XXXX has violated my rights under 15 USC 1681, section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 ; A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose!

I never gave this creditor permission either verbal or in writing!
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I lost my debit card last being used at a bar in XXXX XXXX XXXX called XXXX XXXX morning of XXXX of XXXX On XX/XX/XXXX XXXX XXXX suspects XXXX Americans XXXX NOTE : I'm XXXX  ) walked into XXXX XXXX and used my card as credit debit at the AZ XXXX machine ( scratchers ). Then proceeded to another XXXX XXXX down the road and hit that AZ lottery machine9 Scratchers ). After that they went a XXXX much north and used it there as well for AZ scratchers. I know they were scratchers because the locations provided me the AZ receipts of them and indicated what they were and what games were played. These XXXX criminals took me for {$2300.00} total. Now I have been with bank of America for over 19 years of a loyal customer service with no previous history of anything or ANY issues. When i called and filed a claim i quickly realized bank of America was NOT going to do anything and denied my claim. Bank of America has made me do everything including file police report which I did and send them surveillance footage with the criminals which I did and also provide the AZ lottery receipts. Police report number XXXX with the XXXX police dept. was submitted upon Bank of Americas request or lack of doing anything i should say so I did it ALL and provided them a packet with all the information with certified mail. It was received and quickly looked at my claim and it was closed ( not paid status ). This is terrible service to a customer who has been loyal for 19 years with a checking with direct deposit a savings account and 2 credit card accounts. They have been rude and unhelpful from day 1.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (PA)

I already reached out to the credit bureaus and to SANTANDER CONSUMER USA for the account number XXXX and notify them of their error posting for this account. and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, and physical firsthand documentation of the payment history but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

debt company agreed to remove from credit report once paid in full. Debt paid, but company still reporting debt. Please remove debt per agreement. I have a whole new walmart card. if walmart approved me for a new credit card why are you reporting an old account, that XXXX agreed to remove once paid.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Date : XX/XX/2023 There were over XXXX fraudulent purchases back to back on my account totaling {$1400.00}. I opened a complaint with Bank of America and they denied the claim stating it was a chip on chip ( physically impossible ). They provided no documentation proving this and allowed all charges to go through and drain my account. Ive provided them everything they have requested and have gotten noting but vague responses and the run around. I attempted over and over to resolve this with them with no success.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

{$1800.00} XXXX XXXX bill on my report is wrong and misreported I disputed this account seems to be opened on XXXX XXXX by me But thats not belong to me and I disputed this indicating I used to lose my wallet and the account was removed from my report and the account status was closed Now two weeks ago same XXXX XXXX company trying to report this account and even though the status of account is closed trying to REPORT UNDER OPEN ACCOUNTS which prevents my credit score raise I need this account removed from my report immediately and my credit score must be restored cause lost 26 points just because of this misreporting Thax for your help XXXX XXXX
Consumer complaint received 2021-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MO)

On XX/XX/2021 I was scammed out of XXXX through Zelle from a individual I met on XXXX. I was led to believe I would receive merchandise for payment but never received it and the individual cut off contact. I reached out to the person with no response. 

On XX/XX/2021 I was scammed out of XXXX through Zelle from a individual I met on XXXX. I was led to believe I would receive merchandise for payment but never received it. I tried to reach out to the person with no response. I contacted Zelle but didn't receive any help. 

On XX/XX/2021 I accidentally sent XXXX to a individual through XXXX XXXX. I contacted the individual for a refund. They haven't responded. I reached out to XXXX XXXX support team with no response.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX has closed the account on their end and is discontinuing any further pursuance due to possible HIPPA violations. As neither Transunion nor XXXX  can produce a medical release signed by me the accounts need to be deleted immediately.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-04-06
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 (NY)

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605  B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2020-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2020 I received a alert from XXXX and XXXX XXXX. The alert stated that Capital One/ Cabelas bank made a inquiry by checking my XXXX credit file a hard inquiry. I never made this attempt for this account. I called to the company Capital one and they explained to me that I would have to report to credit bureau. Credit bureau told me this is fraud and to file through FTC.gov which brings me here.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (OH)

During year of 2022 month of XXXX my credit line was increased to {$12000.00} after maintaining a excellent credit history since fiscal year XXXX on credit card acct # XXXX. My payment history has always been excellent and without late payments. During the month of XX/XX/XXXX American Express Credit Card Co without reason decreased my credit line to the amount of {$5500.00} which at that time increased my credit utilization very high. Then again on XX/XX/XXXX they decreased my credit line again to {$3300.00} which at that time almost gave me 100 % card utilization which in both cases had a negative heavy impact on my credit profile which has caused extreme stress and emotional distress. 
The same sequence of events was done with XXXX Amex credit card acct # XXXX which in XXXX XXXX had a credit line of {$2500.00} then was increased to {$3300.00} in XXXX XXXX. After excellent payment history AMEX Credit card company decreased the credit line of this card to {$300.00} on XX/XX/XXXX which again impacted my credit score very severely causing more high credit utilization of almost 100 %. Both these occurrences caused extreme stress and emotional distress, higher interest rates on future loans, reduced access to credit, and a damaged credit profile.
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

I was sued in small claims court for a debt repaid to the original creditor, who seems to have failed to notify any debt collector or have it properly stored. 

The company sent a small claims summons to a house I do not live at by certified mail which was delivered even though USPS has been notified to forward mail to my existing address. 

the amount they claim I owe is also far larger than I truly did owe ( about {$500.00} more ). 

But by USPS not forwarding the letter I will have not had enough time from actually receiving it ( my parents forwarded it but failed to bring it to USPS and just put it with other letter that USPS didnt properly forward ) so I will automatically lose the case in a state I do not live in ( so I cant show up even if I wanted to ) This creditor has
Consumer complaint received 2020-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020 set my auto loan payment on automatic loan payment program for which it took effect on XX/XX/2020. In addition to the primary payment {$100.00} was put toward the principle payment. I called XXXX XXXX XXXX XXXX department to find out why the money was not taken out as scheduled on XX/XX/XXXX. The first customer service person stated that I did not have this program in place when I did. Once the customer service went on the website along with me, the person realized that there was an error with the system. I was told that I had to pay an additional XXXX which I did. 
Then from XX/XX/XXXX to XX/XX/XXXX the " system '' of the XXXX XXXX XXXX XXXX XXXX did not know how to apply the principle as stated, then on XX/XX/XXXX I received an alert from F.I.C.O. credit reporting for late payment. I had to go into a branch to find out that the department changed Complaint executives without notifying me plus they physically reported my payment late when it was not late due to their system error. XXXX XXXX ( Acct # XXXX ) stated that they corrected their error on the same day but it will may take longer than thirty days. I have supporting documentation of the errors made on my payment history. The whole experience is depressing when a person has a excellent payment history. 
I had a perfect payment history manual and automatize until the system made the error.
Consumer complaint received 2021-04-06
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. (MI)

transunion is reporting that I have late payments for my XXXX card. I contacted XXXX and the are stating that my account is in good standing and has been with NO reflection of late payments. I have tried over and over and finally have nowhere else to turn for help.
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under National Credit Systems. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a XXXX validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Thaxton Investment Corporation (TX)

**Complaint Summary for XXXX XXXX XXXX **Personal Information : ** - **Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. Do not extend credit without first contacting me personally and verifying all application information. This victim alert will be maintained for seven years, beginning XX/XX/XXXX. 

# # # **Violations and Companies Involved** XXXX. XXXX XXXX XXXX XXXX **Violation : ** Inaccurate reporting of three late payments on a closed auto loan account that do not reflect the actual payment history.

- **Company 's Role : ** Responsible for providing accurate account information to credit bureaus ; the inaccurate reporting negatively impacts the consumer 's credit score. 

XXXX. XXXX XXXX - **Violation : ** Inaccurate reporting of 23 potentially negative months on a closed note loan account, including multiple charge-offs that misrepresent the payment history. 
- **Company 's Role : ** As the creditor, XXXX XXXX is required to accurately report account status and payment history to credit bureaus. 

XXXX. XXXX - **Violation : ** Inaccurate reporting of 45 potentially negative months on a closed charge card account, indicating a charge-off status that does not reflect the payment history. 
- **Company 's Role : ** Responsible for reporting accurate information regarding account status and payment history. 

# # # **Legal Violations : ** 1. **15 USC 6802 ( Gramm-Leach-Bliley Act ) ** - Violated by selling or reporting personal information without consumer consent.

2. **15 USC 1681i ( Fair Credit Reporting Act ) ** - Violated by failing to conduct a reasonable investigation into disputed information and failing to correct inaccuracies.

3. **15 USC 1681a ( Definitions ) ** - Violated by reporting without consent, misrepresenting what constitutes a consumer report.

4. **15 USC 1681b ( Permissible Purposes of Consumer Reports ) ** - Violated by obtaining and selling credit report information without permissible purposes or consumer consent.

5. **15 USC 1681c ( Exclusions from Consumer Reports ) ** - Violated by including unverifiable or outdated information that should have been excluded.

6. **15 USC 1681e ( Compliance Procedures ) ** - Violated by failing to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports.

**Involved Credit Reporting Agencies : ** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These agencies may have sold, purchased XXXX and reported personal information without consent and failed to adhere to proper verification procedures, leading to inaccurate reporting.