davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: JPMORGAN CHASE & CO. (NY)

Chase issued XXXX balance transfer checks on two of my Chase issued credit Cards. I deposited the Chase issued check, account had enough credit available, and Chase returned their own check causing my checking account to be overdrawn. First attempt via the call enter was useless. Next step was a visit to the local branch. I spoke with a CSR they called both Chases credit card center and the deposit checking team to be told the checks need to be negotiated inside the branch and the CRS had to call the credit card division to obtain an approval code. Nothing ion the material provided by Chase spoke of these requirements. 

Since the check was with Chase processing and they could not use the original check to issue the approval code I used another check on a separate Chase credit card account to deposit. The CSR obtained the approval code wrote on the face of the check and deposited it. The next day that check was also returned by Chase continuing the overdraft on my account in the amount of {$5500.00}! Back to the same branch I went for a second time to try and resolve the issue. The CSR looked at my account and said the funds would be available in the next 24-48 hours. Today I received a text message from Chase that my account was overdrawn. The same CSR that assisted me the first time I went to0 the branch assisted me again today. Only after being persistent, did he get to a Credit Card supervisor who said Chase DID NOT issue me any checks on the one credit card when clearly, I has the letter and additional check in my possession and the second check that was returned was issued to the account that they claim never had checks issued on it. Only due to my insisting to speak with the credit card supervisor did she tell me that Chase was having a SYSTEMIC internal issue with the convenience checks it issued and all of them are being returned. They never had the presence of mind to let their STAFF ON THE FRONT LINES AT THE BRANCJED KNBOW OF THIS ISUUE! 

Now they stated they will credit back any NSF items I paid electronically but my Mortgage and other bills will be reported to the credit reporting agencies as delinquent. 

Chase stated this is a SYSTEMIC issue and therefore more consumers will be facing the same issues I did. In addition, the branch personnel have no idea how to resolve these issues as Chase corporate operations never advised the branched is the issues. Most likely to avoid the issue being made public. There must be some form of administrative action including assessing Civil Money Penalties against Chase and also have Chase issue a public notice that any overdrafts were due to their internal system errors to the public. 

I can be reached at XXXX or XXXX to discuss this matter further. I pray the CFPC will take swift action on this matter. 

XXXX, XXXX XXXX
Consumer complaint received 2015-04-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Debts are in a current Chapter XXXX. According to court documents, almost all of our credit card accounts were sold to Portfolio Recovery Associates ( " PRA '' ) .We are in our XXXX yr of Chapter XXXX, and all of sudden we are getting phone calls to our home and to cell phones from them. We do not answer them, but are able to locate the numbers as PRA or associates of PRA. I have sent them an email with our Chapter XXXX account number requesting they stop calling, but asking for an answer to my email, so that I know it was received. Have heard nothing so far. I do believe they are in violation of the stay granted by Chapter XXXX and are also in violation of FDCPA by calling my cell phone. They also need to research their bundles of debt they buy to see how many are in Chapter XXXX.
Consumer complaint received 2016-02-17
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CNG FINANCIAL CORPORATION (CA)

This payday company has been calling and sending emails to my sister, XXXX, despite of repeated information that my sister had a XXXX. 

They threatened to : 1. File information relating to your bad debt with a credit reporting agency, which could result in your inability to conduct business with other short-term lenders, write checks to retailers or merchants, or open checking accounts with banks. 

2. Refer or sell your past due account to a third party collection agency. Be advised, the third party who obtains your account, may in turn, undertake further collection efforts against your, including such legal action as may be permitted by law.
Consumer complaint received 2016-02-20
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Around 18 months ago, I took out a " direct deposit '' from my Bank of America credit card that carried a XXXX % deposit fee and 0 % APR for 18 months. The promotional period ended XXXX/XXXX/2016. I made minimum payments for 18 months and after receiving my XXXX/XXXX/2016 bill, I scheduled a payment in full for XXXX/XXXX/2016, which was within the payment period of due date XXXX/XXXX/2016. Prior to XXXX/XXXX/2016, I contacted Bank of America to inquire when my promotional interest rate was ending. I was not told by the XXXX that I would have to pay my balance in full by XXXX/XXXX/2016 to avoid any interest charges. On XXXX/XXXX/2016, I received my Bank of America statement reflecting a {$100.00} interest charge. When I called Bank of America to contest the fee, I was told that I should have known that I needed to pay in full by XXXX/XXXX/2016 because that is the date the promotional APR ends. I believe that this is a deceptive tactic, because at no point did Bank of America make it clear that I would have to make a full payment on or before XXXX/XXXX/2016 to avoid interest charges. Whenever I use a credit card, I avoid interest as long as I pay the balance in full before the due date. It made sense for no interest to accrue between by statement date of XXXX/XXXX/2016 and my next statement of XXXX/XXXX/2016 as long as I paid the balance in full. This deceptive practice has resulted in a steep interest charge that is unfair and predatory. I do not think I should have to pay this charge.
Consumer complaint received 2015-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

My mortgage Co. Is S.P.S. ( Select Portfolio Services ). They were hired by XXXX about 8 months ago, when XXXX was our mortgage holder. But S.P.S. Became our mortgage holder in the middle of a modification negotiation. XXXX, they upped my payments from 600 to over 900 a month. Then after the trial payments of XXXX a month for 4 months, the payments were supposed to go down. But they did not. I signed a three year forgiveness contract. After S.P.S. upped our payments XXXX in less than4 months. I had an attorney read my paperwork, they advised me that my paperwork was very miss leading. I would have to pay back 63,000 dollars at the end of my loan. This is not what we agreed on. I have been dragged from XXXX bad mortgage Co. to another, to another, and yet to another. I am in need of some help with this matter. And they keep saying they will mail me papers to see if I qualify for a reduced payment. But they still havent mailed me any paper work, even after XXXX times of them saying they have. Striat faced liars.
Consumer complaint received 2016-12-05
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Ad Astra Recovery Services Inc (TX)

These XXXX individuals contacted me with deceptive collection practices claiming that I had an outstanding debt that they were taking me to court or filing in court. The first time I advised the individual to give me his contact information and to only correspond via court documents within the confines of the Code of Civil Procedure. Another contacted me about a year later stating the same thing. I have received no court documents and they violated the State of Texas XXXX by sending Electronic data as they sent these emails. Data that had nothing to do with me or my email account. They attempted to breach into my account and load it with emails from XXXX dating websites and I begin receiving emails from places that I never signed up to receive documents for.
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have repeatedly disputed the derogatory items with Transunion. XXXX and XXXX have removed the fraudulent items that I disputed upon verifying that they were fraudulent debts and not mine. however Transunion refuses to assist and help me in removing these items, leaving me no choice but to write a complaint. Transunion needs to remove the items from my credit report because they have been proven to not belong to me.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (MA)

I've been getting alerts for new account inquiries from XXXX via the SSN protection program. I do not recognize these activities and have contacted XXXX for additional details. I was advise to file a fraud report with the credit bureau for further protection
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (AZ)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-12-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AmeriCollect (FL)

AMERICOLLECT XXXX ACCOUNT NUMBERs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX XXXX XXXX XXXX XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-01-19
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. (MD)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were 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. 
XXXX XXXX  ( Original Creditor : SPRINT ) XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY (NC)

We have Wells Fargo banking accounts. A banker was promoting Wells Fargo 's Visa card by saying if we apply a card and pay our cell phone bills once a cell phone is damaged or lost we will get a replacement with no question to be asked and indeed he got his own cell phone replaced. We applied a card and always pay cell phone bills by the card. Our daughter 's iphone got damaged and we took it to an XXXX. The XXXX replaced the damaged XXXX by a new XXXX, and we paid some {$300.00}. We filed card benefit claim by supplementing the XXXX receipt. The Wells Fargo benefit office found the excuses of not honoring this claim. 1st they said, we needed manufacturer 's cost estimate. Well, I called by explaining XXXX already replaced the damaged iphone. A representative acknowledged it as making a sense. Then no response for a long time until I called again. This time I was told I needed to get diagnoses. The damaged phone got replaced on XXXX XXXX! and already got replaced by then.
Consumer complaint received 2017-01-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (FL)

I discovered that I was a victim of identity theft when TD Bank sent me a congratulations letter for opening an account with them. I do not bank with TD Bank nor have I ever banked with them in any manner. I promptly notified TD Bank of the theft and completed a series of letters through the Federal Trade Commission ID theft reporting system. TD bank acknowledged this theft over the phone with me and said they were working immediately to stop/close and reconcile the matter. Now, about 1 month later, I am STILL getting bank statements from TD Bank indicating " my account '' is still open and in existence. I need this matter reconciled completely and all matters closed/cancelled with TD Bank please. I did not apply for any account and/or services with TD Bank and this is 100 % Identity Theft/Fraud.
Consumer complaint received 2023-01-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I made previous complaints to Portfolio Recovery Associates , LLC to cease and desist all attempts and communications of reporting to the CRA ' s about an alleged debt. They never sent proof of a signed contract with my signature with them about the alleged debt and I wouldn't be paying it either. They don't have the right or a license to try to collect an alleged debt in the state of Arkansas. Send me proof you have the right and license. According tot he XXXX  consumer access website you don't have a license in Arkansas. By continuing to tor report negative information and defaming my character i will seek damages of {$5000.00} in small claims court if not removed from my XXXX reports immediately.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ARVEST BANK GROUP, INC. (FL)

Someone opened a checking account with Arvest Bank using my information. The person apparently tweaked my name. Instead of using XXXX XXXX , the person used XXXX XXXX to open the account. Fortunately, I received a letter from the bank confirming a request for overdraft coverage for account ending with XXXX. The letter is addressed to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I called Arvest Bank and I was informed that they had already determined that the account was fraudulent and they closed it.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2023-01-19
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. (PA)

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. Also, This is not my home address. I never lived here nor received emails here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-19
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)

On XX/XX/XXXX, I submitted a request to block the account on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$0.00}
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

On XX/XX/XXXX my debit card number was somehow stolen on a brand new card I had just opened. The merchant it was stolen by was known as XXXX and they took out {$320.00} to pay for a previous membership subscription that I no longer used nor did I have that service attached to this card, because it was a brand new card. I contacted Instacash ( the app is known as Moneylion ) as soon as i saw this and demanded that they tell me HOW they got the card number that I did not give them myself, they refused to give me this information. I then contacted Chime 2 days later on XXXX XXXX and started a dispute to get my money back. They gave me a provisional credit of {$320.00} until they could determine an outcome of their investigation. On XX/XX/XXXX, they took the provisional credit back and told me that no error was found even though I clearly stated that my card number was stolen as I did not provide this information to the merchant that was debited from my account. This is insane how can they just take my card number and my money & my bank say theres no issue? I want my money back.