davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (PA)

XX/XX/2020 XXXX I got a email from Huntington Bank stating that my Business Bank account was on hold due to a check I deposited ( {$5400.00} ). I called customer service and I was told that I needed to come in a branch with XXXX XXXX my Uncle I deposited the check for ( He endorsed the check that I deposited properly ). Myself and XXXX XXXX both went to Huntington Bank XXXX XXXX XXXX, XXXX, PA XXXX to clear up the issue and take my account and all my funds off hold. Banking staff refused to accept XXXX XXXX XXXX poof of ID to show no fraud is happening. Staff also refused to take the holds off my account and release my funds that was available previous to deposited check for XXXX XXXX. Huntington Bank staff ( XXXX ) couldn't show me a legal reason to place a hold on my account and available funds. I did not violate XXXX XXXX Banking policies and procedures and they are illegally holding my money! Staff ( XXXX ) did not provide me with any Banking Policy nor Procedure that proves the holds on my bank account is rightful. Covid-19 is still a struggle for my and family this hold is causing me to fall behind in bills and at risk of losing everything I have left. Huntington Bank is causing great harm to my business and family during this current pandemic.
Consumer complaint received 2021-07-03
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Original creditor : XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX  Original creditor : XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXXXXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX -Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 




FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-11-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc. (CT)

Please reference existing complaint CFPB # XXXX submitted on XX/XX/2022 regarding this issue. 
Tesla has not responded to my complaint nor has it stopped demanding unjustified late fees. This complaint is regarding what appears to be retaliation and harassment for filing the CFPB complaint.

1. Tesla has begun texting me repeatedly, claiming that my account is past due when they are well aware that I have made a complaint regarding unjustified late fees and they have not resolved that complaint or even responded to it. I have received 8 such texts, and some emails, since XX/XX/2022. 
2. Tesla no longer mails me paper bills, and sends me emails that my invoice is " available on my Tesla app. '' I received such an email today and attempted to access the invoice on my Tesla app account as instructed. when I logged into the account and accessed the " financing '' tab where the invoices were previously shown as links to pdf files, the financing tab would not open and showed an error message telling me to try again. After several unsuccessful attempts, the " financing '' tab has now disappeared from the application when I open and log into my account. I no longer have a way to access my lease invoice, payment history, or account documents. 
I request that Tesla be ordered to provide me with timely copies of the invoices, payment history, and other lease document either by email, mail, or through a working application. i also request the relief for my original complaint including removing unreasonable late charges and accepting and processing mailed payments by check in a prompt manner.
Consumer complaint received 2020-06-24
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. (TX)

I have unknown information on my credit report I am reporting that there is inaccurate information on my credit I was not aware of i recently pulled my report and I found that I had XXXX name spellings and various addresses with inverted information numerically and many other errors or co panics that I have never done business with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX   XXXX XXXX APT XXXX, XXXX, XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, T XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Companies XXXX  XXXX XXXX XXXX XXXX was a co sign inaccurate account amounts XXXX   XXXX XXXX XXXX XXXX XXXX XXXX IS MY PERSONAL XXXX INFORMATION XXXX XXXX XXXX XXXX I GAVE NEVER DONE INQUIRIES WITH THESE COMPINES XXXX   XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-23
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. (TX)

XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXDispute ftc violation
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NJ)

XXXX XXXX I logged into my Chase account and scheduled funds transfer of XXXX  USD I got message this is being reviewed and then below email message came to my XXXX acc From Account Ending in XXXX Transaction Number : XXXX Dear Customer : We canceled your wire transfer request as part of our security review. 

If we have not spoken with you about this, please call us at XXXX and enter option 3 to prevent further restrictions on your account. 

Sincerely, XXXX XXXX XXXX Banking I am currently stuck in XXXX due to Pandemic and no fly restriction from my company but when I call the given number mentioned in mail - it goes to automatic robotic instructions with endless waiting time When I re login to my account I got a message We locked your account to protect it from suspicious activity. 

Now I am stuck outside XXXX and unable to withdraw my own funds that I need urgently here Please help Thanks XXXX XXXX My XXXX # XXXX XXXX My XXXX # XXXX - I m unable to use this here in XXXX
Consumer complaint received 2021-07-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (IN)

I have no memory of incurring this debt. Likewise, I never received any correspondence from the original creditor or debt collection agency stating that I owed the debt. Also, the debt was in two parts. I do not recall making one single debt with this company net alone two separate debts. I'm not saying the debt is not valid, but it does not appear valid because I never knew I had this debt until it showed up on my credit report without any prior notice. I have a XXXX credit score and I take pride in paying my debts and bills on time and in full. So if I had knowledge of this debt I would have never allowed it to go unpaid.
Consumer complaint received 2020-06-24
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)

MY INFORMATION WAS STOLEN AND USED WITHOUT MY CONSENT SOMEONE OPEN A MORTGAGE IN MY NAME, CELL PHONE AND RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX XXXX. On XXXX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-03-07
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: SANTANDER HOLDINGS USA, INC. (MD)

According to the FCRA 15 USC 1681 section 604 A section 2 : prohibits the reporting of any experiences and or transactions between XXXX XXXXXXXX and XXXX XXXX the law states that this type of information is excluded from my consumer report and can not be reported to any Consumer Reporting Agency. I would like the aforementioned information to be deleted pursuant to the law mentioned in the above sentence all late payments, and or the account, the Item that is being marked as late and being furnished to a consumer reporting agency. The law is clearly to come into compliance regarding this Account information.
Consumer complaint received 2021-07-03
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. (TX)

On XX/XX/XXXX, I saw that Chase had an offer online for a new Chase Sapphire Credit card. This card normally has a {$95.00} annual fee. I called Chase on XX/XX/XXXX to see when I would need to pay this fee. I was told on the phone that this fee would be payable upon renewal after the first year and that I would not need to pay the {$95.00} fee for the first year. 

Given this information, I signed up for the Chase Sapphire Credit card on XX/XX/XXXX. On XX/XX/XXXX upon receipt of the card, I was immediately charged the {$95.00} annual fee. I called Chase on XX/XX/XXXX to inquire about this fee and to recall my XX/XX/XXXX conversation. I was told that I was given the wrong information and that the customer service representative that spoke to me on XX/XX/XXXX would receive additional coaching, but that the {$95.00} fee would not be waived. I was told that upon cancellation of the card there would still be an outstanding credit inquiry which would hurt my credit score since the card was approved. I cancelled the card. 

I was given incorrect information on XX/XX/XXXX which led me to sign up for this card. Then I was told that I would have to pay a fee or suffer the consequence of a reduced credit score upon cancellation. This is misleading and speaks to Chase 's unwillingness and irresponsibility to address its own mistakes. I hope something can be done about this.
Consumer complaint received 2020-11-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Williams & Fudge, Inc (AZ)

This company called my cell at dinner time asking if i knew how to contact a random person. They did not introduce themselves as the company they were calling from nor did they say that it was an attempt to collect a debt. They said the calls were recorded and asked if if I was myself and I responded yes. I was asked to give them my name again and then he immediately asked for a phone number so that they could reach this other person. When i tried asking who he was he did not want to give me any details about the company or why he was calling. I called back several times to try and get a different agent on the phone to find out more, as it seemed like a scam, but each time the call connected to the same guy. When i called again to ask how he could have possibly gotten my information, the guy says it was public information that I was married to this person. I have never been married in my life. I told them to stop calling people who did not offer their contact information to avoid this creepy situation and he says he can call anybody he wants to. He also stated he had 2 other ladies to call with my same name to try to track down this other person. Unfortunately, wont know thats the reason until its too late Im sure. The technique of collecting peoples information from other people in order to collect a debt does not seem moral.
Consumer complaint received 2023-03-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (SC)

Today ( XX/XX/XXXX ) myself, as well as every person who has ever lived in my house ( 5 people, 4 of which no longer live here ) received a call from a hidden number from someone claiming to be XXXX with the XXXX Division stating they are in route to serve me with court documents requiring my signature. They reference a case number XXXX and a phone number XXXX to contact for questions or rescheduling. She continues to say that failure to respond will result in failure to appear in court. my entire family is concerned so I call the number only to find out from a XXXX XXXX that its a " lawfirm '' that are trying to recover XXXX plus for a debt that dates back to XXXX. He claimed the original creditor was HSBC, which is odd to me, since I have never had an account with HSBC. Without me telling him anything, he gave me my full legal name, my wife 's name, my address and the last 4 of my social. Then continued to inform me that they are taking me to court to put a lien against my home and to report it on my credit. SC has a statue of limitation on consumer debt of 3 years, and only allows up-to one year to file suit. So I feel like all of this is both illegal and immoral. They contacted my entire family! I don't owe any one anything, so this has got to be a scam, or debt collection at its worst. No one ever showed up to serve me papers by the way...
Consumer complaint received 2021-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I deposited a check into my checking account with chase bank. It was upload thur the mobile app. It cleared and the bank put a hold on the check. I ask why was it on hold and I was told. Its a possibility it could be fraud or a bad image or the check was altered. So chase told me that the check will come back as fraud and once it do they will close my account. I told them that check is not fraud. I wait the 7 days and the check did clear. So they told me if it do clear no matter what there still closing my account. They also told me they will release the funds in the form of a check and mail it to me. And still close the account. I havent yet receive the check. Still waiting for it to come in the mail. My concern is why is my account being closed if the check has cleared. I never had any issues with my account. And chase isnt it giving me any explanation to why. This will effect my banking history. Please Help me with this matter. Im not being treat fairly
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MD)

J.P. Morgan Chase is marketing a " My Chase Plan '' on their Chase credit card accounts as a way to pay off purchases over time with " no interest. '' However, if you calculate the monthly fees they assess on each payment, the actual interest rate of their financial plans is between 22.37-22.91 % over 6-18 months periods, on my account, which has a 22.99 % purchase APR. The " no interest '' payment plan is being deceptively marketed to consumers as a more efficient way to finance larger purchases, but clearly provides little to no actual savings, and commits cardholders to a significantly larger minimum payment than they otherwise would be required to make each billing cycle had they simply made a purchase. https : XXXX
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MO)

I went on the website from the letter to review the account. 

I was offered XXXX choices : XXXX. Pay the balance in full in XXXX payment today. 
XXXX. Pay the balance in full in XXXX payment in 30 days XXXX. Settle the account with the below offers *Pay off this account with XXXX payments of {$850.00}. This represents approximately a 55 % discount. TOTAL OF OFFER IS MORE THAN BALANCE DUE. BALANCE DUE IS XXXX, AMOUNT REQUESTED IS XXXX ( claiming to be a 55 % discount ) which is a XXXX increase, not decrease. 
*Pay off this account with XXXX payments of {$150.00}. This represents approximately a 50 % discount. Total offer is {$940.00} *Pay off this account with XXXX payments of {$150.00}. Total offer is balance in full.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

Used STORE CARD from SYNCHRONY BANK. This bank operates in cooperation with XXXX. After receiving a store card, XXXXSynchrony has changed default payment to the store card without notifying me. This caused accidental use of their store card ( whil I was thinking I'm using my DEBET CARD ). 

On top of that several items which I purchased from XXXX were finansed by Synchrony Bank. Those items were later rerurned to XXXX for number of reasons. Despite XXXX has shown iterm refunded on my purchase list, SYNCHRONY BANK kept charing me fees to pay off the items. They also added 25 % of intrest rates which in turn caused huge debt. 

I tried to access transaction information from the beginning of using my store card but only last 6 months were available. After contacting SYNCHRONY BANK I requested all transactions in either electronic or printed form. So far have not received any information. They have sent me some email which require some information I do not have. 

I also requested SYCHRONY BANK to contact XXXX and clarify all illegal transactions and fees. I filed two separate complains for both companies to Better Business Bureau. 

After discovering this fraud I immediately cancelled all services from SYNCHRONY BANK and cancelled my card. 



Copy of this message will also be sent to appropriate government agencies for reviewing.
Consumer complaint received 2020-06-23
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2021-08-29
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: EQUIFAX, INC. (TX)

I did not authorize these inquiries on my account. Please see that following : XXXX XXXX, Inquiry Date XXXX XXXX  XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX  XXXX, Inquiry Date XXXX XXXX  XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX These were reported to XXXX, XXXX  and Equifax. I have not gotten information back regarding my complaints. These items are still on my credit reports. 

Due to the inaccurate information reported by these companies, my credit has been severely damaged. I am requesting that this information be investigated and the findings corrected and or removed from my file.
Consumer complaint received 2019-09-27
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. (FL)

Equifax and XXXX are reporting incorrectly ( 120 ) days late on XXXX - partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 8-11 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2019-03-21
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: EQUIFAX, INC. (VA)

hello my name is XXXX XXXX iam sending this complaint out today on equifax todaybecause they are trying to take over some poeople life with false reporting on my credit report ... the other credit beruas remove all inquries off my report but they cant i have 48 hard inquires on my report but they want me to call every single company on my report on my own i did not put them on my credit report or tell any body they could run my credit its aginst the law to treat somebody creit like this i mean 40 hard inquires i just got off the phone with them they saying its nothing they can do i siad that a lie how can u let frauds put hard inquires on my credit plz i need help now its like a waist of time keep calling equifax i dont have the time to right down all 48 company names or accounts down it should not be on my credit the first place now they want my ssn bith ceritfireld and bill with my addresss on it WHY they need that it a scam the goverment needs to step up to these guys