davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX at approximately XXXX, my boss received a phone call from the chase 1800 number claiming that there had been fraudulent activity completed through his Chase XXXX through XXXX. They claimed that money was sent, unauthorized to me. They then had him un-enroll and re-enroll with XXXX through the phone and then instructed him to three way call me. During the three way call, they reported the same fraudulent activity on my XXXX XXXX through XXXX to my last recipient I sent money to which was my step mother, XXXX XXXX. They went through the same process, un-enroll and re-enroll me on XXXX through the phone and had me three way her. While on the phone with her, they confirmed an unauthorized payment of {$100.00} and a second payment of {$1100.00} from my account to hers, which she confirmed she saw it pending, they had her un-enroll and re-enroll. Once she completed those steps, the call dropped and the scammer had left the line. Within minutes both amounts of money was drained from my account. XXXX had called her bank and cancelled her card and reported the fraudulent activity. I had also called chase and reported the fraudulent activity and they opened the claim. It has now been XXXX weeks, the claim has been denied and Chase refuses to reopen the claim and assist me with recouping the money, they deemed it as a loss and have instructed me to forget about it and move on. All the money has left my account, the {$100.00} transaction had made it to XXXX 's account however the {$1100.00} had not made it and is not accounted for. I'm at a dead end, XXXX can not assist me and Chase won't assist me in figuring out where this money went and how to get it back. Please help!
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (OR)

On Monday, XXXX XX/XX/2020, I applied for a US Bank Reserve Line of Credit. 
With the knowledge that my credit was reported with a XXXX balance, I hoped to get approved within a few days. However, the interactive voice system told me that I was denied credit, and a few days later, I got a letter explaining that the reason I was denied credit was because they were unable to verify my identity. 
I have spent a little over a year disputing with all three credit bureaus, as well as the previous creditors, to update my legal name on file.
Consumer complaint received 2020-06-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I deposited XXXX into a money market IRA account on XX/XX/2020. The funds show available to use today, but the bank is not allowing me to transfer any amount to my personal checking account because of a 11-day hold. This is an issue for me because the banks have been bailed out due to COVID-19 and I have not been able to be employed since the beginning of this pandemic. There was no effort by the branch manager to call XXXX XXXX to ensure things were in order for them to transfer my funds and this is extremely not helpful to my financial situation. 

I have been a hardworking tax-paying citizen and this is unfair and unacceptable. Is there any that you all can do to help my situation? 

Thank you.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 XXXX XXXX
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My long time credit score of appx. 800 to 820 dropped to approx.700.  The only thing I thought might have caused the huge drop was the mix up with my CapitalOne account ending in ... XXXX. I have another CapitalOne [ CO ] account ending in ... XXXX. 
To help matters of confusion I asked CO on XX/XX/XXXX if they could issue me one different  looking card, which I thought might help this XXXX-year-old gentleman. The lady on the phone refused. So a few days later on XX/XX/XXXX I cut up # XXXX card up, mailed them a final check # XXXX in the current balance due, {$24.00}, less {$2.00} in Loyalty Reward Points ; and asked CO to please close the account. Additionally, I returned a phone case that won`t fit my cell phone. I wonder if that caused some confusion. Meanwhile, I received a trailing bill from CO acct # XXXX in the amount of {$92.00} [ Previous Balance?? {$52.00}, More Late Fees {$39.00} & More Interest XXXXcents ] due XX/XX/XXXX. Out of disgust, I mailed them another check # XXXX on XX/XX/XXXX in the full amount due of {$92.00}. 
Can you please help me..restore my good credit?
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (GA)

I have a government issued XXXX  XXXX Prepaid card. I want to transfer the funds into my own bank account. On XX/XX/2020, I went to the Way2Go Card website and found no option to transfer funds from the account. On the paper that came from the XXXX XXXX, for funds transfer, it did state that I need to call the automated customer service at XXXX. The automated customer service had no options for funds transfer. I finally choose an option that would direct me to a customer service agent. After 45 minutes on hold, a customer service agent answered my call. I asked to make a funds transfer and was told the state of Georgia does not allow that. I thought this to be strange because I had already made a funds transfer several months ago. I asked him for clarification and he said they are working on it with the state and hung up. 
They do have a bill pay on their web site that is limited to {$750.00}. Not enough to pay my mortgage. 
I feel XXXX XXXX  is using my money for their interests, and preventing me the access to the funds to use as I see fit.
Consumer complaint received 2019-06-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP (MS)

I asked the company to send me a letter to verify my debt and that this was not a scam. I was told if i did not start making payments that i would be sued. I simply want a letter to verify that they control my debt instead of me just giving them my social and/or money.
Consumer complaint received 2020-06-26
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. (WA)

Experian is incorrectly reporting that I am ( 90 ) days late on the XXXX/XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-06-24
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. (CA)

Through out the duration of my loan I made two payments, one approximately on the XX/XX/XXXX and one on the XX/XX/XXXX. In XX/XX/XXXX I began receiving calls from XXXX XXXX XXXX stating that they had not received any of my payments. I explained to them on serveral occasions that I submitted payments. I also requested they document our conversations. In XX/XX/XXXX I noticed they began reporting late payments which was inaccurate. I called them and advised them and still no resolution. I faxed proof of payments and still no resolution. I then reported a discrepancy with the credit bureaus and they declined responsibility after I submitted proof from my back. I called them to question the dispute and they stated they have a section called care team that dealt with the disputes but I was not able to speak to them regarding my dispute. They failed to assume responsibility and have impacted my credit after I have tried to contact them via fax and submitted the proof.
Consumer complaint received 2019-06-06
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: EQUIFAX, INC. (NC)

I have contacted Equifax and XXXX  in reference to accounts : Dept of Ed/XXXX   XXXX ; Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX  XXXX ; Dept of Ed/XXXX XXXX ; Dept of Ed/XXXX XXXX. I contested the accuracy of the furnisher 's reporting of the payment history which both companies responded to my dispute that the accounts were being accurately reported. How are these accounts being " accurately reported '' when they have the payment status for XXXX listed as " OK '' but the following month XXXX is listed as 90 Days late. How can they report a 90 day late payment status without first reporting 30 and 60 day late payments. These erroneous accounts should immediately be deleted from my consumer report.
Consumer complaint received 2023-07-28
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. (GA)

I have paid this account as agreed and the company/credit reporting agency has reported the account as closed instead of paid as agreed and it has negatively impacted my credit score and report which is not doing right by me as the consumer who fulfilled this high dollar commitment.
Consumer complaint received 2020-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (MA)

I currently have a bank account with Simple a subsidiary of BBVA USA. My partner and I are buying a house, and need to move funds into escrow, {$48000.00}. In speaking to Simple customers service I was told multiple times that if I submitted the request for a cashier 's check it would go out the same day or the following day ( a Saturday XXXX when I called in the morning to submit the request. 

Following my phone call, Simple messaged me several hours later saying my request would not be handled until the following Tuesday, in direct contradiction to previous statements and then refused to let me speak to a manager or lodge a formal complaint. In a follow up phone I repeatedly asked to speak to a manager and was told that they could only transfer me to another agent because their managers don't take calls. Further, when I inquired about being transferred directly to BBVA who operates the account I was told that wasn't possible and so there would be multiple delays.

Given Simple is wholly owned by BBVA, and in fact the representative admitted that in order to process my transaction they called BBVA but refused to provide actual numbers or contact information for a real account representative. As someone who has multiple hundreds of thousands of dollars invested with this bank I was shocked to learn I essentially have no way to actually talk to a financial representative and not a customer service agent.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 XXXX XXXX
Consumer complaint received 2023-07-18
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. (NJ)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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
Consumer complaint received 2020-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Myself and my husband turned in two leased vehicles into XXXX XXXX of XXXX on XX/XX/2020 and leased two new vehicles. Unfortunately, the process has been anything but smooth for us. We negotiated online and over the phone for vehicles that were not available when they arrived at the dealership. We were told that the General Manager who negotiated the deal with them no longer worked at the dealership and we were forced to select different vehicles. We specifically gave authorization for the dealership to run one credit inquiry for the purpose of the lease, but three hard inquiries were made two on XX/XX/XXXX and another on XX/XX/XXXX ( two weeks after we drove off and finalized our lease deal ). After leasing the new cars, the dealership called to inform us that they filled out the paperwork incorrectly and needed us to sign new paperwork. At the request of the dealership, we arrived at the dealership to sign new paperwork on XX/XX/XXXX, but were told the paperwork was not yet done correctly and were sent home. 

On XX/XX/XXXX, a representative from the dealership arrived at our home to have us sign new paperwork which was dated XX/XX/XXXX. ( Our original lease date ). 

Then on XX/XX/2020, XXXX contacts us seeking payment for the old leases that had been turned in since the dealership never effectuated the payoff of these leases as negotiated in the deal. Repeatedly, throughout this process, I spoke with several people about the additional unauthorized hard credit inquiries that had been run and was promised again and again that the dealership would rectify the issue with the credit bureaus. I spoke with XXXX, the General Manager, XXXX from finance and ultimately XXXX XXXX who was assigned to resolve the issue after I contacted corporate about the slew of issues he was facing at this dealership. 

Still, to date, no one has corrected the issue with the credit bureaus and our credit remains negatively impacted. Moreover, XXXX XXXX offered us a check for {$1300.00} as compensation for our troubles throughout this process, but when I asked for a copy of the release I was required to sign so that I could have counsel review same, she suddenly advised she could no longer assist me and advised that I should have my attorney contact The VP. 

My attorney sent two letters to the VP letting him know they violated the Fair Credit Reporting Act and he has refused to respond.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX Please delete these fraudulent accounts ASAP.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MI)

After getting no where with my auto insurance company I have decided to seek action with the consumer finance. My auto insurance apparently issued a check payable to me AND the repair shop. The check specifically states the word and. Come to find out the repair shop deposited the check without me knowing and with one signature and the bank ( Chase bank ) deposited the check in the excess amount of {$14000.00}. The bank acknowledged it was fraudulent and not allowable but was not willing to remedy the situation. I need help with this and demand the bank to fix this. The check needed to be endorsed by myself and the shop. I have a copy of the check for needed evidence. I need help.
Consumer complaint received 2023-07-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: FIRST HORIZON BANK (FL)

I opened a CD with First Horizon Bank on XX/XX/XXXX and deposited {$10000.00}. It had a period of XXXX months. 

First Horizon automatically renewed my CD without telling me last month, XX/XX/XXXX. They gave me a low interest rate of 0.03 %. 

They say that if I withdraw now, I have to pay an early withdrawal penalty. I think this is unfair, since they didn't tell me they were going to renew the CD or give me a choice.
Consumer complaint received 2023-07-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (IN)

Had a Citibank " Citicard '' with a {$200.00} secured credit limit opened the account with them on XX/XX/XXXX. Covid-19 hit and I lost my employment and was un-able to make the payments on the account. Last payment to them was made in XX/XX/XXXX. Now they claim I ran a total up to {$780.00} in charges/fees on a card with a {$200.00} limit, and subtracted my {$200.00} deposit made, which has left me with a suspiciously high amount of {$580.00} due. I contacted Citi multiple times in the last year to try and resolve this matter, and in return asked that they remove the account or atleast send me a verification letter in writing, that they had agreed to the amount of {$280.00} in XXXX of XXXX. Never recieved any letter from them and they proceeded to sell the debt to XXXX XXXX XXXX ( which is directly related to Citi ), in XXXX of XXXX. I called Citi once again asking to negotiate a settlement with them and they sent me to XXXX XXXX, which I came to an agreement on settling for {$200.00}, and in return they would remove the account entirely from my report/or would at minimum report the account with a {$0.00} balance due and satisfied and no longer obligated. I settled with them on XX/XX/XXXX and was finally given an emailed settlement letter on the XXXX of XXXX. They also mailed a physical copy which I recieved on the XXXX of XXXX. I have disputed this multiple times with them and they refuse to honor their part of the settlement agreement and its effecting my score substantially while Im trying to get a mortgage. I have disputed on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX They have failed to uphold the agreement and do as they said they would. I have settlement letters and recorded phone calls with them as well.