davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
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. (TX)

I went online to purchase a bedset ( comforter set & pillow cases ) shower curtain, bathroom rugs, toilet cover etc. The bathroom set was {$84.00} and the bedroom set was {$120.00}. The purchase was placed around XXXX XXXX. I actually sent a email on XX/XX/XXXX trying to get an update on my order. They responded with a link to track my order which i could not track my order with. Tried to call the retailer by phone which i got no reponse. So waited to give it more time. Tried calling other times again no response. I finally reached out to Chase to report as fraud and they said they will investigate. I sent them the all the info i had. Then they responded with info saying that the order was placed in XX/XX/XXXX when clearly I have paperwork showing i reached out to the customer in XX/XX/XXXX to get a update. The customer must have gotten things mixed up. I reached out to the customer again in XX/XX/XXXX to let them know to keep the product and just give me a refund, its been entirely too long. So they sent me another tracking number to track the product. Ive also called XXXX XXXX to track the product and was told that number dont exist on three different ocaisions. The back and forth went on between me and chase for over 8 months. I talked to a chase manager and told her the situation. She agreed that i should have never been charged and the case should have never been closed with out a resolution. She then told me she would take care of it. But once she transferred me to the next person for the next steps everything just seemed to have been forgotten about. When i called back i was told to submit my findings which i did with a letter. I did that twice and still no resolution. None of their tracking numbers were valid and Chase still dropped the ball. I was told that I only had a certain amount of time. I dont understand why there is a certain amount of time when there is fraud being committed. Is that why people get away with fraud cause they know its only going to last a certain time and then they walk away with money? Till this day XX/XX/XXXX I still have not received any product and Chase will not review the case. I have been a customer of Chase for a very long time and dont understand how this was just overlooked.
Consumer complaint received 2019-09-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC (CA)

On XXXX XXXX at XXXX XXXX California time I made contact with Prestige Financial Services Administration Mr.XXXX XXXX, Mr.XXXX XXXX and XXXX XXXX in regards reducing my interest rate under 17 % and my Auto Loan under {$440.00} to {$330.00} a month. 
I can make affordable payments of {$330.00} only as my Financial Hardship has  arise and the cost of living in California doesn't make it easy. 
I tried selling my XXXX XXXX XXXX XXXX that I purchase in XXXX, Texas in XXXX for {$22000.00}, but the value has decreased and Prestige Financial Services wants the whole balance amount of {$18000.00} paid. 
Vehicle is in excellent as I put lots of money to repair mechanical issues, when I purchase on XX/XX/XXXX at XXXX XXXX XXXX in Texas. 
Nobody in the State of California and America will not buy this vehicle from me for {$18000.00}, it only has XXXX miles and well maintained by me as I do n't drive that much. 
I just turned XXXX years old. 
If Prestige Administration will not reduce my payments to {$300.00} to {$330.00} a month and lower my interest of 17 %. 
I will give the vehicle back to Prestige. 
I am XXXX XXXX and Retired. 
I can only make payments of {$300.00} to {$330.00} a month. My Financial Hardship is Permanently just like my XXXX XXXX. 
There is a payment due on auto loan on XXXX XXXX for {$440.00} in which I am not able to pay, but I can pay {$330.00}. 

This is a very Urgent Matters!
Consumer complaint received 2022-01-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On Monday XX/XX/XXXX I submitted a bank to bank wire transaction in the amount of {$10000.00}. The bank transfer was from Huntington Bank XXXX XXXX XXXX XXXX. On Tuesday XX/XX/XXXX I received an email from Huntington stating that my authorization for wire transfers had been suspended with no further explanation. I then called Huntington customer service and was told that in order for the transaction to go through, i would need to show verification that i am the owner of the XXXX account. I then went into my local branch that same day ( XXXX XXXX ) and provided the documents requested. Upon verification i was told that it would take till the next morning ( XX/XX/XXXX ) to complete the verification-I was also told that my transfer was being cancelled and the money would be returned to my Huntington account and i would have to put the transaction through again. The promise was that my money would be in my account by end of day Wednesday or Thursday ( XXXX ) morning. As of today, Thursday XX/XX/XXXX my money has still not been released back into my account. So i called again this morning to get an explanation as to why i still do not have my money on the date that was promised. I was then told that the transaction is still being processed and the transfer was never cancelled. So I am being lied to about when i will receive my money, i am being lied to about the status of the transaction, and i have been given no explanation as to why i am being given the wrong information. I understand that as of now i am still within a reasonable amount of time for the bank to process a transaction, however, i am now being told as of this afternoon ( XX/XX/XXXX ) that my money will not be released until approximately Tuesday. This is a major issue as i have bills to pay and no money to pay it with. I am going to incur late fees due to this and if that happens i explained to the bank that i will be filing a lawsuit in small claims court to have them pay for the overdraft/ late payment fees should i incur any due the Huntingtons failure to properly communicate with me. For my money to be released next tuesday ( XX/XX/XXXX ) is beyond reason and is not acceptable. THAT IS MY MONEY, NOT THE BANKS. They are talking to me as if its their money to do with as they please and im about at the end of my patience.
Consumer complaint received 2024-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (PA)

Enerbank is reporting me 90 days late. XXXX and XXXX XXXX is not available so how is this accurate? XXXX is not due yet so how are they reporting me late for XXXX. This is not correct
Consumer complaint received 2019-09-05
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. (NY)

As of the past week or so I have been getting letters from XXXX XXXX saying I tried to open up some account from there which I never did. This 100 % fraud and were not authorized by me. 

Actions I took was t called XXXX XXXX  directly and under the fair credit act for them to show me something I signed that would give them permission to look up my file. They had refused to show me any proof and sent me letters saying about applications I have no idea about. I even called there fraud department and explained I had not applied for anything from there bank. I would like this removed from my XXXX and equafix file as there was never any inquiry made by me to XXXX XXXX. 
. 
You guys can feel free to call me to further discuss. I'd be more than happy to answer questions. Like I had said earlier when I asked them to show me proof they were very rude on customer service and were like you did this over and over when I had assured them I did it and had no clue as to what they were talking about. I would just like this deleted from my file as it was not done by me. 

The date of the inquiry I am looking to have removed I believe Is dated XX/XX/19 as it has not yet appeared on my XXXX XXXX. But from there letters that seems to be the date which was clearly fraud.
Consumer complaint received 2020-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (CA)

I had received mail from XXXX stating I needed to pay this balance, I advised I never bought anything using this service for this large amount. XXXX refused to help, stating they saw no error, I advised it was not an error, weather identification theft, still no help and now they are trying to collect this through a collection agency called ACI, I also have tried getting help from them, and still no help, they keep referring to XXXX
Consumer complaint received 2022-09-21
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Deposited {$15000.00} tax free check [ from a Workers Compensation claim settlement with XXXX XXXX ] into the Bank of America on XXXX. ACCT Number XXXX XXXX. The slip and receipt says Hold code C. Total deposit that day was {$15000.00}. Hold code C, XXXX, XXXX available XXXX at XXXX XXXX. Since then my account began at {$14000.00} not the deposited {$15000.00}. 
I also withdrew {$8000.00} at a later date, and have all the money in its original slip and it is only {$7500.00} not {$8000.00} as listed on the receipt. They used a machine to count out the money. Probably programmed it to dispense XXXX instead of a XXXX. This is fraud.
Consumer complaint received 2022-09-21
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. (NC)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX  ( Original Creditor : MXXXX XXXX  XXXX Balance : {$530.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$160.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Back in Early XXXX I got approved for a credit card by Capital One, their XXXX XXXX. However around late XXXX, early XXXX of that same year they closed my credit card without any notification or explanation. That was the first incident, the second incident happened this year XXXX, I applied for a XXXX XXXX XXXX and was approved for it around late XXXX, early XXXX, even made the {$49.00} deposit that was required. I received the card in the mail and activated it. I even called to verify and the e representative told me it was active. Come to find out it was never activated and it was closed again, without any explanation from their representative, Ive tried in multiple occasions to get an answer and I just get passed around. I have yet to receive my {$49.00} refund as well.
Consumer complaint received 2020-08-11
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. (TX)

Experian is reporting a late pay on my XXXX  XXXX XXXX credit that over 7 years old and will not remove it from my history. This occurred in XXXX of XX/XX/XXXX.
Consumer complaint received 2022-09-21
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. (NC)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00}, XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$530.00}, XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$160.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

As shown in the attachments, Capital One materials tell customers the following about cash advances : -- - Q : How do I get a cash advance on my credit card? 

A : At ATM : - Ensure PLUS logo is displayed- Have PIN ready & follow instructions displayed At a Bank : A - Ensure Visa/Mastercard logo is displayed - Provide card & proper identification to teller AND " With each cash advance, we charge a front-end fee, or service charge, that posts to your account the day of the transaction. Be sure to review your account terms for details. '' -- - I paid my credit union {$2500.00} total online -- not with a teller, not at a XXXX XXXX XXXX, and not using a PIN. The {$2500.00} was two separate transactions, one for {$2400.00} and another for {$5.00}. 

Still, I wasn't sure if Capital One would charge me the cash advance fee for these transactions, so I logged in online and saw the transactions categorized as " other services. '' There was no coding indicating they were cash advances. Although Capital One says they charge a front-end fee that " posts to your account the day of the transaction, '' that didn't happen in my case either. Instead those fees posted after the transaction date, further obscuring the fact that Capital One treated the charges as cash advances. On the phone, a Capital One agent told me that it takes awhile for coding to come through from the merchant, information that is at odds with posting front-end fees the " day of the transaction. '' When I got my monthly statement I got a rude surprise that Capital One did treat the transactions as cash advances and had started charging interest immediately. Based on the information above ( included as attachments ), Capital One didn't follow its own policies about cash advances -- for example, I didn't conduct the transactions in a branch, provide my card or identification to a teller, or use a PIN. No front-end fees were posted to my account on the " day of the transaction. '' Note as well that many of my previous transactions with Capital One are categorized as " Other Services '' but none of those incurred cash advance fees and interest. 

I also had horrendous customer service experiences.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Volvo Car Financial Services U.S., LLC (NY)

Both XXXX and XXXX are IGNORING my letter for more than A YEAR! when I ask them to VERIFY and VALIDATE an OLD account with an ALLEGED LATE PAYMENT that was verified as NOT TRUE with the creditor XXXX  XXXX. the LAST VERIFIED date on the credit report still shows XX/XX/XXXX!!! or XXXX!!! 
I've attached copies of the latest letters that were IGNORED by BOTH! 
Also, I requested information from the original creditor VOLVO about the charge off and never got anything from them
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CO)

IC System Correspondence XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Re : Account on XXXX & XXXX credit reports in dispute Creditor Contact Details : IC Systems Balance Reported : {$1500.00} Most recent file identification number from XXXX XXXX XXXX Account Number from XXXX XXXX Since XX/XX/19 I have written proof of IC Systems refusing to remove this inaccurate information or stop trying to collect on the alleged debt as they stated they had proof I owed anything to IC Systems. I also requested IC Systems contract as I know this company purchased that debt that's already been written off and was attempted collect it from me illegitimately. I have not now, nor have I ever done business with IC Systems thus no contract has ever been provided. For them to mark this inaccuracy and lie about investigating it and refusing to remove it is willful noncompliance with the FCRA laws. I have already reached an agreement with the XXXX XXXX XXXX XXXX and their roles in allowing you to furnish this information without my written consent against my continued efforts to remove them from my account. I demand that IC Systems not only remove this from my report but I also demand that IC Systems pay me what is owed to me according to the law. I have actual damages, there are {$1000.00} violations attached to each time it was reported. Each month is a separate violation, and I am giving this company one opportunity to cure this situation, or we shall allow a federal judge to look at all these deceptive forms & calls that have been presented to me over the past years in support of your wrongdoing. It all stems from the false misrepresentation of IC Systems on my consumer report. I am due justice and you owe me Civil Liability for every month it reported on my consumer report. I am willing to settle for {$20000.00} and you will not have to pay attorney fees or we can add my consumer lawyer to this situation and under the FCRA you will pay him as a result. Your choice. I have dealt with this harassment for long enough. For far too long my character has been defamed by comments left by IC Systems on my report against my efforts to resolve the situation outside of FEDERAL court. I expect a settlement offer within 10 days of this notice or further legal action will be initiated. I have enclosed two pieces of evidence that prove just how long I have been fighting and the type of response and willful non-compliance I was getting from IC Systems in response to my disputes with each XXXX XXXX XXXX, credit reporting agencies. 
Regards, XXXX XXXX
Consumer complaint received 2022-09-21
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: U.S. BANCORP (MI)

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i. Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : ELAN FINANCI  Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

Equifax is really % 100 fraud illegal Credit Reporting agency who blocked my credit report without my permission and not letting creditors checked my credit report. I optout to receipt credit card offers by mail but this fraud Equifax credit bureau opt in me to not receive any credit card offers in mail and locked my credit report also. This week I requested my credit card company to increase my credit limit but they said that because Equifax locked my credit report so they was unable to check my credit report and unable to give decision to me that they can increase my card credit limit or not. 

XXXX  or XXXX  didn't locked my credit report but this fraud Equifax Bureau locked my credit report themselves. In XXXX of 2017, Equifax announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories. The settlement includes up to {$420.00} XXXX to help people affected by the data breach. 

After that also they did this again and without my permission, they locked my credit file and opt in. So I request CFPB to do something with Equifax so my credit report gon na be unlocked or I can receive credit offers by mail also. 

Thank You, XXXX XXXX