davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-29
Product: Credit 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. (MA)

I made a transaction at a rental car company for a XXXX rental for XXXX $ when visiting XXXX XXXX XXXX XXXX, 2023, Later that day I was not satisfied with the service because the car condition was not as promised and there was an insane mileage estimation ( and later I realized it's more like a scam ) in the contract so I returned the vehicle on the XXXX. The company used the signature policy as an excuse and refused to refund. 

I called Chase Customer Services on the XXXX  and submitted a dispute. It took them 2-3 months to investigate the dispute with the same excuse ( signature ) and told me that they thought the charge was valid. I think it's really absurd since the merchant intentionally cheated on me in the first place and my signature shouldn't be used as proof to refuse the refund and Chase Bank should know that very well. I tried to reopen the dispute by sending a letter, but they didn't respond anything until I called again. They told me they saw the request/letter but couldn't process it due to a lack of a handwritten signature, not just a printed version. But they never call or email or mail me anything to notify me of this issue. The laziness is really astonishing. After submitting the letter with a handwritten signature, Chase remains the same result within only 10 days. I suspect they didn't make any further investigation but just repeating themself. I called once again and sent a mail to reopen the dispute claim for the second time to the po box of the Chase Customer Department in XXXX, Ohio. After a short time, they still gave me the same resolution without any meaningful explanation rather than routine replies. 

The other unprofessional action is that I submitted a dispute first under the category of 'not satisfied with the service '. But soon i realized the nature of this transaction is more like a fraud/scam. But Chase Bank refused to change the dispute type and made me insist on this claim by repeatedly submitting the reopen request. During the process, they even use the excuse that the claim was posted a while ago to persuade me to give up on the dispute request so they can hide the slack in their work. 

So far, I haven't heard anything from them and this claim has been opened and reopened for more than 4 months since XX/XX/XXXX. The statues on the mobile app or website for dispute tracking are always duplicated and not updated on time. 

There must be something wrong in their organizational structure and Standard protocols that makes " disputing such obvious case '' difficult and torturing.
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (TX)

NAVY FEDERAL CREDIT UNION is reporting an account as a charge off on my credit report. They have not provided a 1099 to support their claim. If they have already received funds for this account via insurance, then this is subrogation.

Further, I never received all disclosures or was informed clearly and conspicuously of my rights pursuant to 15 usc 6802 It was never explained to me that reporting this account to my credit was consensual. I was never told that NAVY FEDERAL CREDIT UNION would traffic, transfer or sell my information to breach-prone companies where my information would be compromised which violates The Protection of Non-public Information laws.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Prosper Marketplace, Inc. (FL)

XXXX is a company I do not recognize. This company is reported on my credit as a hard inquiry. I would like them removed please. 

XXXX XXXX, This company is reported on my credit as a hard inquiry. I would like them removed please. 

XXXX  XXXX is a company I do not recognize. This company is reported on my credit as a hard inquiry. I would like them removed please. 

XXXX XXXX, This company is reported on my credit as a hard inquiry. I would like them removed please.
Consumer complaint received 2022-08-27
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: ENOVA INTERNATIONAL, INC. (FL)

All hard inquiries were not approved by me. Were not authorized by me. There are multiple hard inquiries on my credit that I did not approve. I have not applied for nor have I requested any type of credit card, loan, anything having to do with my credit or Social Security card. I found out that a car dealership decided to run my credit multiple times when I already had a lender approved and specifically asked to use the same lender that I have been working with for three years and making payments to her three years. When it was time to renew my lease the dealership without my knowledge ran my credit multiple times and I still ended up with the same lender. Per my request. The dealership acknowledged that I did not authorize them to do such and stated to file a complaint with the consumer finance department as they were unable to remove the heart inquiry themselves. I did try to resolve this with the dealership and they were unable to remove the hard increase. This is affecting my credit score greatly. I have been working very diligently to approve my credit and refuse to allow anyone to run my credit or social for any reason!
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (GA)

Hello, I am writing this complaint to let proper staff be aware that I have been charged overdraft fees for every transaction that have been made. I am currently enrolled in the Oops program but fees are still being charged. Also, when funds are available on the account, I use them but days later the account shows it wasnt. If this can be resolve, email, or dial by phone XXXX
Consumer complaint received 2024-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/year>, I got a text message from Bank of America saying that an Inmate is deducting money out of my account. I went online and saw that money had been deducted from my account. I immediately contacted the number that was texted to me. The Bank of America agent had me go through a series of steps to revise the money that was deducted from my account, and move money from one account to another. That way, my accounts were cleared from getting accessed again. I was reassured that the money would be redistributed back into those accounts. After I completed all the steps that the agent instructed me to do, I started to realize, this may not be a Bank of America agent. I immediately hung up the phone, called Bank of America and filed a scam claim. I was reassured that even if they couldn't recover my money immediately, that I would get it back after they do their investigation and contact the bank that got my money. 
I called Bank of America every couple weeks to get an update on the status of the investigation. I was told by every agent that it was looking good because the bank ( XXXXXXXX XXXX ) hasn't been able to recover the funds, which means it's seen as a fraud and I'll get my money back in 90 day or up to 6 month. 
I got a letter in the mail ( dated on XX/XX/XXXX ) that my claim was denied. I spoke with two Bank of America XXXX ( XXXX XXXX XXXX XXXX  and XXXX ID # XXXX ) that the reason I am not getting my money back is because XXXXXXXX XXXXk won't give them the money back. 
How can I dispute this closure of my claim? 
The scammers has access to my bank account even before they contacted me. I was scammed out of my money because the scammers pretended to be Bank of America agents. 

I have asked Bank of America to provide documented communication between me and the agents over the course of the claim, and I was told they would not provide the documented communications. Is that legal?
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (FL)

I have sent our multiple letters to each Credit bureaus about reporting Inaccurate information on my consumer report to other companies without my consent or authorization ( Identity Theft ). Due to each bureau reporting this has caused me to be denied for the necessaries I need to live such as a home, car, credit cards, business lines of credit etc. As the consumer I am not Injuries by the actions that have been taken by the bureaus. This has caused me a MAJOR hardship, the damages and losses have been tremendously over whelming. I have called and sent out letters by mail, as well as filing multiple disputes multiple times Since XX/XX/XXXX up until today XX/XX/XXXX. The bureaus have not responded back and the in accurate information is still being constantly reported. I have bee receiving letters in the mail from third party debt collectors saying that I owe them. I never set up an account with. 
EXPERIAN, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXR, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX..
Consumer complaint received 2022-08-12
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. (TX)

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 XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collection Specialists, Inc. (NJ)

On XX/XX/XXXX received a statement from XXXX XXXX 's office- XXXX XXXX Interventions for a procedure he performed. Bill was {$500.00} On XX/XX/XXXX I spoke to XXXX in the billing office. She told me the office would be accepting the payment already received from my insurance and that I was not responsible for the charge. 

On XX/XX/XXXX I receive a letter from Healthcare Collection Specialists ( HCS ) saying I owe {$1200.00}. 

On XX/XX/XXXX I respond via certified mail to inform the company that I had spoke to the office in XXXX and was told the matter was resolved. In addition I had no bills indication how the amount went from {$500.00} to now {$1200.00} so as far as I was concerned this was not my debt ( Copies attached for your reference ). As of today, XX/XX/XXXX, I have received no response form HCS. 

This morning I received an alert that a negative comment was placed on my XXXX credit report ; which I am disputing.
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a Bank of America credit card with XXXX XXXX XXXX XXXX logo, I believe VISA. 
I never applied for this. 
Bank of America was called and said they see this application was made and will delete it and for me to destroy the card. 
Which I did. 
How can this happen when my XXXX Credit Reporting company has been frozen, by me, for the last few years? 

Thanks for the assistance, good weekend. 

XXXX XXXX XXXX
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (FL)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I, XXXX XXXX XXXX received the XXXX XXXX loan back in XXXX of XXXX for the amount of {$19000.00}. The funds were disbursed in my Capital One business bank checking account. I have used that money but by XXXX of XXXX Capital One froze my account. I called customer care at that time asking for the reason behind this. I was told by a few different customer service representatives through the phone very different answers. The one answer that stood out the most was that they were not allowed to discuss that over the phone. Also they would always say that they will get back to me. I have even asked that they provide me a letter in writing stating why my checking account was frozen but the phone representatives refused. Between then and now I never received an email, letter or a phone call regarding my frozen bank account by Capital One. I have about {$4500.00} in that account and need to retrieve that money. This money was given to me by the federal government because of the financial losses my business has and continues to experience due to the CV19 lockdown. I find it insulting that my ability to access my funds were frozen by Capital One bank. It is even more disrespectful that they are not giving me a good reason. I kindly ask that I be assisted in retrieving my money back from Capital One bank as soon as possible. Thanks.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (MI)

I have contacted XXXX, XXXX and Innovis to request that any Security Freeze be lifted from my credit reports immediately. A month later XXXX XXXX  requested copies of my scores for a credit card account and I was advised that they are unable to pull my scores due to a security freeze. 
I need assistance as I am being given conflicting information.
Consumer complaint received 2022-08-01
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 endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent listed below. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX A XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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. (NY)

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 XXXXtransunion has me at a score around XXXX. 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 year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (GA)

I purchased my home on XX/XX/XXXX with XXXXXXXX XXXX ; property located at XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX filed a security deed with XXXX XXXX XXXX XXXX of XXXX XXXX, Georgia stating with my name on it stating that I took out a loan in the amount of {$130000.00}. My name was forged on the security deed and I did not borrow money from XXXX XXXX  XXXX of Georgia. My name is not on the Loan Repayment Agreement and I did not sign any mortgage documents pertaining to the above referenced loan. 

Fay Servicing started servicing the loan in XXXX of XXXX and is using the fraudulent security deed to foreclose on my property. Fay servicing also has placed the debt on my credit report. I have reached out to Fay Servicing to resolve this issue several times to no avail. I've attached a copy of the above mentioned security deed, loan repayment agreement ( proving that I am not on the loan ) and an affidavit I filed with the XXXX XXXX XXXX XXXX of XXXX XXXX, Georgia stating under oath that I did not sign the security deed.
Consumer complaint received 2022-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Keystone Credit Services LLC (PA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-10-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC (NC)

This is regards to Spire recovery solutions. I have asked him for a debt validation letter on different occasions each time Im told that they dont send out letters. They just told me over the phone about my debt. Then with communication they have reached out to all of my in-laws called multiple times a day left voicemails in which the women on the phone basically called me a liar stating that they have not called multiple times a day. However my in-laws have voicemails and have called me stating that this company has called looking for me and where I live and information about me. Also called my number multiple times a day I have repeatedly told them to not call anybody but myself in regards to anything that they believe I owe. It has not stopped. I want it all communication through Mail which they have not done they continue to call and text me.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.