davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

I went to my closest chase bank in XXXX NJ to report that there was transaction on my bank account that I did not recognize. This transaction was made for {$290.00} on XXXX XXXX XXXX. I talked to a representative there who told to first contact XXXX XXXXl and then if I could not resolve it, to call the bank in order to open a claim. I did just that. I called XXXX XXXXl and they promised me to refund the money. XXXX XXXX reported that some one named " XXXX XXXX '' had used my bank account and routing number to purchase an XXXX  through XXXX. XXXX confirmed the transaction. I waited about 2 weeks and no refund. I called Chase and I opened a claim. The bank assured me that they will block my account to prevent future events. They also returned the money XXXX while they were investigating. Chase told me that they will send me a letter that I was going to sign and return ( which I never received ). A few days later, the money was taken out of the account ( XXXX XXXX ) without notifying me of anything. 
I called the bank and they told me that they could not do anything about it because 60 days had already passed. But I was never told that when the claim was opened, 60 days already passed since the transaction and they opened the claim anyways and did not notify me that it was not going to proceed. I was told by XXXX the supervisor at Chase over the phone that people were there to open claims but they are not supposed to tell that it is not going to proceed because 60 have passed. 
I asked how they protect my personal information by authorizing a transaction without information that matched my account. THey had no answer for me. I was told that they could not do anything about it. 
Also because it was a High School account that I shared with my daughter there is a limit expenses of XXXX $ no more. So how did this transaction was approved. 
Chase bank does not have answers for me. 
XXXX always very hard to get to speak with someone and one someone answers the phone they says that the claims department is close. pls help XXXX XXXX XXXX account ending XXXX DOB XXXX
Consumer complaint received 2017-09-11
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: I.Q. DATA INTERNATIONAL, INC. (CA)

I got a call from I.Q Data International Inc on XX/XX/XXXX, they said I owe {$640.00} against XXXX XXXX XXXX. Since I never lived in any apartment with name XXXX XXXX XXXX I told them they are contacting the wrong person. 

I got a call again on XX/XX/XXXX and the representative stated that I owe money, else they will damage my credit. To understand the issue better I requested the representative to provide me with full details of debt and send me the details of debt with verification. She insisted I pay immediately with my credit card now or else she would damage my credit. When I mentioned I would pay only after verifying that I owe money and would not be sharing my credit card details to someone on phone to abuse. She mentioned that there is protection on your credit card and started to threaten me again saying " I am giving you one last chance, if you pay now we will not report it and damage your credit ''. To which I responded, I would not do that without validating my debt and hanged up the call.
Consumer complaint received 2017-09-11
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: EQUIFAX, INC. (NJ)

Equifax mishandled my personal information including name, social security number, address, birthdate, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by pushing the injured parties that they are responsible for to sign up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Consumer complaint received 2017-09-11
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: EQUIFAX, INC. (TX)

On XXXX XXXX, 2017, Equifax neglected to properly handle sensitive personal information and allowed a massive data breach that is impacting half of the citizens of the United States. I checked on their website http : //www.equifaxsecurity2017.com and it verified that my personal data was breached while attempting to take further advantage of their own malice for profit and sell me a service while declining my ability to participate in a class action lawsuit. They are taking no responsibility for their criminally irresponsible actions and I am forced to bear the consequences personally. They only offer 90 days of credit monitoring service, but my information is permanently leaked.
Consumer complaint received 2017-09-11
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: EQUIFAX, INC. (NY)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2017-09-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (OR)

I have previously disputed this information because I was paying the original creditor. I have no idea why I would end up in collections for this and never received any sort of notification. I think it is wrong that an account like this can even be reported to a credit bureau without the proper information being used. Unless this company is able to fully identify me as the owner of this account, I want it removed ASAP. I believe they have the wrong person because of what I previously stated and it is kind of weird because I still have electricity. So therefore, I must not be delinquent. I believe that my information was stolen in the XXXX  breach and someone is trying to use it against me. I want this company to stop trying to ruin my credit reports and delete all information.
Consumer complaint received 2017-09-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Data Corporation (VA)

Income tax Fraud since XX/XX/XXXX in the amount of {>= $1,000,000} ( employment history began in XX/XX/XXXX ) for payroll shortages, lack of timely raises, non-receipt of benefits, excess social security and medicare taken from payroll, excess state and federal taxes taken from yearly tax returns. Stolen identity. Personal information has been used to create fraudulent documents to commit forgery with several banking institutions. No documents or requested checks have been received from Telecheck dispute that was mailed on XX/XX/XXXX. Therefore, I would like to sue Telecheck in the amount of XXXX XXXX for concealing fraud with the Virginia Department of Unclaimed Property, total {>= $1,000,000}. Internal Revenue Service 843 Valuation form for XXXX and XXXX XXXX for Income Tax Fraud on behalf of XXXX XXXX and XXXX XXXX XXXX in the amount of {>= $1,000,000} will leave a remaining liability of {>= $1,000,000} that I am requesting is deposited in my XXXX XXXX XXXX checking account that was opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX : //www.uscourts.gov/services-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is no grantee or trustee for properties that were reported to the US GAO. XXXX XXXX does not have the authority to reverse any banking transactions. 
Share price with XXXX is {$130.00}, .1 adjustment for XX/XX/XXXX Dividend Reporting Tax preparation of XXXX ( corporation, adjustment not to be used for defrauding the government on Bureau of Insurance fraud ) and XXXX XXXX XXXX XXXX who are clients that are under debt collection with the Internal Revenue Service. 
Document Preparation Fee of {$110000.00}. I have prepared 5 documents that have been used for financial preparation with banking institutions and budgeting with the City of XXXX, total document preparation fee of {$550000.00} for XXXX XXXX XXXX XXXX XXXX XXXX. Denied participation fee of {$560000.00} that has been sent to the Internal Revenue Service dated XX/XX/XXXX is only to be used at my consent for account maintenance for clients not for personal use. Unpaid property taxes effective XX/XX/XXXX ( not to be used for defrauding the government dispute or songwriting dispute for XXXX XXXX due to funding already being received from XXXX XXXX ). Please have the City of XXXX Deed/Land Records and XXXX XXXX XXXX update the Virginia Land Cover Sheet to XXXX XXXX as the owner. The property is not under shares with XXXX XXXX XXXX XXXX the property is being claimed under forgery proceeds and Income Tax Fraud.
Consumer complaint received 2017-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (MS)

Pro Collect XXXX/XXXX/XXXX XXXX XXXX XXXX Apartments These apartments are falsely accusing me of XXXX when I moved nothing was owed an the apartment was clean. I have received calls from pro collect with rude services trying to make me pay a debt I do n't not owe
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

shopping around to buy newer car XX/XX/XXXX and XX/XX/XXXX and brought one. shopping around in XX/XX/XXXXand XX/XX/XXXXfor a newer car for my daughter and co-signed for one. .every time credit was credit for better rates i got one hard hit inquiry so i have around 20 hard hit inquiry on my credit report. according to cfpb for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as one inquiry. your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry,
Consumer complaint received 2017-09-11
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. (ND)

I 'm a victim of identity theft and been a victim of identity theft for 11 years. I have fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX
Consumer complaint received 2017-09-11
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I am a citizen and resident of XXXX, but between XX/XX/XXXXand XXXX I was employed by XXXX XXXX XXXX and lived in California. Through my employer, I had a XXXX managed through XXXX. When in XXXX I was about to move to XXXX, I wanted to consolidate my accounts in one institution, and I chose Bank of America ( BofA ), which is where my checking and credit-card accounts were. ( If I remember correctly, I spoke about this to XXXX XXXX ( XXXX ) XXXX at BofA, at the BofA branch on XXXX XXXX XXXX in XXXX XXXX, CA ). I was very clear about my residency and citizenship status. Nonetheless, it was suggested that I rollover the XXXX to an IRA with Bank of America, and so I did, sometime in the spring or summer of XXXX. 

At some point later, BofA had XXXX XXXX manage the account. I was informed of this, but I had no say in the matter. 

Then last week, I received a letter from XXXX XXXX stating that they will no longer be the custodian of the account, and that it will be liquidated 30 days after XX/XX/XXXX. On the phone, they explained that this is since I am not a US resident, a fact that was known to them when BofA had me open the account 11 years earlier, and throughout those 11 years. Making some more calls, it turns out that no financial institution is willing to be the custodian of the account, since apparently they I am not a US resident. Thus it seems that BofA behaved either with negligence or fraudulently when they had me open an account in a way that may not have been legal. 

Thus, my retirement account will be closed without my consent, and I will be forced to be responsible for the tax, early withdrawl penalty, and any other costs. 

( I should say that I kept two addresses with BofA : my address in XXXX, and the address of a friend in California who was helping to collect my mail. You can see both addresses in the attached screenshot from the BofA web page. Over the years BofA sent me many account reports to the address in XXXX, so they knew all along that that was where I was living. )
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis (FL)

I would like for the credit bureaus to remove all fraud alerts on my credit profile unless I call or send in any letters saying so. I am tired of being embarrass when I apply for new credit. It is ridiculous to always be denied and not instantl approved of credit because my fraud alerts. Please remove them now within 24 hours of receiving message. Also please remove any address, names, social securities. I also want to permanently opt out of any marketing advertising and please do n't sell any of my information to any creditors or any companies or you will face consequences in court against me. Remove any employer information that is on my credit report. Please send me a newly revised credit report from all 4 credit bureaus with updated information. I did n't give any consent for any inquiries on my credit report. Show me your verification process and how these inquiries were placed on my credit report? It 's so much XXXX that goes on with in credit and you guys try Remove them as well, all inquiries please XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX. Please prove your verification process please send me information on how you verify information please. I need step by step. I have filed complaints online and certified mail to FTC, XXXX County Courthouse, BBB, an Affidavit that will be sent over to you.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX XXXX Innovis
Consumer complaint received 2017-09-11
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: JPMORGAN CHASE & CO. (GA)

AN UNKNOWN 30 DAY LATE IS REPORTING ON MY CREDIT REPORT IN ERROR FOR THE MONTH OF XXXX  2017.
Consumer complaint received 2017-09-11
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: EQUIFAX, INC. (TX)

Equifax lost a number of people 's personal information including mine. However it 's difficult to be sure my data has been affected, as their site for checking the status seems to return inconsistent results for the same data. Additionally, they have offered 1 year of a credit monitoring service, which is terrible for consumers for two big reasons.
1 ) One year is not nearly enough for a breach that loses all personal information 2 ) At one point, there was information seeming to indicate consumers could n't sue.
Consumer complaint received 2017-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

When Is a No Interest Balance Transfer Actually Not a No Interest Balance Transfer.
I have had a Chase credit card since XX/XX/XXXX. In XX/XX/XXXX I applied for and was approved a 0 % balance transfer of XXXX. Since that time I have made payments of at least {$200.00} over the amount of any purchases I made for the month, with the balance being applied to the promotional portion of the account which has been decreased each month by the amount I have paid over the monthly purchases. But I am being charged interest each month because, according to the Chase customer service people I contacted on XX/XX/XXXX, there is a balance on the account, which is the supposedly no interest portion. So it appears to me that Chase is actually charging interest on a supposedly no interest balance transfer. To me this has the appearance of a deceptive business practice.
Consumer complaint received 2017-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

XX/XX/XXXX - I called Navient, the student loan holder of my loans, to make a payment and allocate a majority of the payment towards one of the two consolidated loans I hold with the company. The representative I spoke to informed me that I was not allowed to allocate payment, and that what you pay, and how it 's preset, is how it 's supposed to be set up, and that I can not change or request to change that. 

XX/XX/XXXX- After reviewing the XXXX Dept. of Justice lawsuit of Navient, I learned that my previous interaction with Navient, and what I was told about allocation, was incorrect. I called to have this rectified, and at first, asked if I could ungroup my loans as stated on their website here : https : //www.navient.comXXXX First, the representative told me that I can not ungroup my loans unless I un-enrolled in online billing. I said, " Fine, please un-enroll me in online billing. '' After I submitted that request, the representative then told me that I, in fact, can not ungroup my loans because they are consolidated. So, my first request was unfulfilled, and I was led to take an unnecessary action ( un-enrolling in online billing ) that literally accomplished nothing. 

Second, I asked again if I was allowed to allocate my payments towards the exact loans that I want. The representative told me that I was allowed to do that - rendering the information I received in XXXX as incorrect - but with a caveat, that I need to call, make a payment over the phone with a representative, and then ask for it to be allocated the way I want it to. 

After this interaction, I asked the representative to note my account, and to note that I was filing a complaint with CFPB for the incorrect information I had for the last 5 months. I 'm also filing this complaint because I find this company to be untrustworthy and purposely giving misleading information to consumers in order to maximize their profits. 

Please investigate.
Consumer complaint received 2017-09-11
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Texas Guaranteed (CA)

I have been paying an amount that exceeds my required payment with the expectation that the excess payment wouild go against the loan principal to work toward lowering that. The company refuses to apply my excess payment in this manner insisting that the law says that excess payments must go to collection costs first. This serves to increase the amount I must pay in total since the loan would basically restart after I pay offf the XXXX outrageous ) collection costs.
Consumer complaint received 2017-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Payments are posted to my account, but the credit card company puts a 10 day hold on my ACH payment even though it has cleared my bank. They are using my payment money and not paying me interest on it. There is no disclosure about this unethical practice on the credit card web site, or on my statement ; so I have to go on line to the credit card web site and see if my payment has increased my available credit. 

Since there is no notice issued, I have assumed my payment has been posted and cleared, I have charged more expenses and had, at one point exceeded my credit limit. My charges were being declined when I was traveling out of town.
Consumer complaint received 2017-09-11
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: EQUIFAX, INC. (MI)

On XXXX XXXX, 2017 I personally found out that my identity may have been compromised. Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.