davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I received a check for a larger than normal amount and went to the local Chase bank branch to speak with a banker on the best way to deposit it. Since CD interest rates are so low, it was agreed that I would open a new savings account. I also upgraded my checking accounts based on his recommendation. 

A few days later, the check cleared and I created XXXX bill pay items to send out. A few days after that, my primary checking account went negative and the savings account was also negative. XXXX XXXX had marked the check as fraudulent. I got a new check from the company that was pre-cleared by XXXX XXXX and returned again to Chase. 

After a few phone calls, I was told only the savings account would be closed and that I could open a new one to deposit this new check. I also brought along work checks to deposit into my existing checking account. 

Chase then froze and closed all my accounts. I 've been banking with them for XXXX years, since 2010 and have never had a problem with deposits. They said they would issue a check after the accounts were closed. This leaves me with no checking account and almost 15 days of waiting time to get access to my existing funds that were in my checking accounts, not counting the deposit. 

Why did the banker not warn me that this could happen? Why was my account flagged?
Consumer complaint received 2023-01-26
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: Lockhart, Morris & Montgomery Inc. (GA)

I received a copy of my credit reports from XXXX XXXX, XXXX and XXXX. after reviewing all three credit reports ; there is a collection from LockHart Morris & MO for the amount of {$680.00}. LockHart Morris & MO does not have the legal authorization to collect this debt from XXXX XXXX this debt is not validated. I request a complete validation of this collection. they have violated the HIPPA LAW.
Consumer complaint received 2017-08-24
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. (MO)

after disputing the following debts with XXXX 4 times and Equifax and XXXX 3 times they have came back as saying verified but have shown no proof of how this debt was verified there are strict requirements how debt must be verified. The Fair Reporting Act ( FCRA ) requires the Credit Bureaus ( Equifax, XXXX & XXXX ) to have PHYSICAL COPIES in THIER files of  documentation to support each account being reported. NOT THE CREDITOR, THE BUREAU Under the FCRA, Credit Reporting Agencies ( XXXX, XXXX & Equifax ) must provide a copy of the verifiable original creditor documentation if it is requested properly by the consumer since Equifax, XXXX & XXXX can not provide proof of verification to me in the form of a physical contract document per written request to do so- the account is classified as " UNVERIFIED '' and under the FCRA- all UNVERIFIED accounts MUST BE DELETED. The FCRA reqires that all Credit Reporting Agencies or " CRA 's '' VERIFY ALL INFORMATION received from creditors BEFORE this information is added to my credit file. Proper verification According to case law the CRA/Bureau must have copies of the ORIGINAL SIGNED APPLICATION in THEIR FILES! FAIR CREDIT REPORTING ACT. by providing all of this information, there is no question that i am the one making the written request. i request that XXXX XXXX XXXX And XXXX XXXX XXXX be removed from my credit reports.
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CT)

On XXXX XXXX, 2016 my ex-wife used my daughter 's Amazon account that had my credit card attached to it to purchase shoes. A short while after receiving the shoes she returned them to the Amazon Marketplace vendor upon which they issued a refund. We have obtained emails from Amazon Marketplace that confirm both the receipt of the returned shoes and the refund. However, to this day Chase/XXXX are declining to issue the refund to my account. They keep claiming that I need to provide proof of return which I have done multiple times by sending them the email from Amazon. I have had a number of phone calls, emails and as last step XXXX fax with Chase about this issue since late last year. However, the issue remains unsettled.
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: EQUIFAX, INC. (NY)

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c. 1681 section 602 A. states i have the right to privacy. 


15 u.s.c. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without instructions 15 u.s.c. 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any otheradverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shall not furnish any informationrelating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-26
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. (GA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance with the Fair Credit Reporting act The following account XXXX  Account # XXXX, has violated my rights : 1. XXXX XXXX, balance of {$510.00}, date opened XX/XX/XXXX ( would correspond ) 2. XXXX XXXX, balance of {$0.00}, charged off, date opened XX/XX/XXXX ( would correspond ) 3. XXXX XXXX, Balance of {$3100.00} date opened XXXX  ( Wouldn't correspond ) 4. XXXX XXXX, Balance of {$550.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 5. XXXX XXXX, Balance of {$300.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 6. XXXX XXXX, Balance of {$4200.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 7. XXXX XXXX, Balance of {$4300.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 8. XXXX XXXX XXXX XXXX  Balance of {$1100.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 9. XXXX XXXX XXXX XXXX Balance of {$860.00}, date opened XXXX   ( Wouldn't Correspond ) 10. XXXXXXXX XXXX Balance of {$3300.00} date opened XXXX  ( Wouldn't correspond ) 11. XXXX, Balance of {$280.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 12. XXXX XXXX , Balance of {$2700.00} date opened XXXX  ( Wouldn't correspond ) 13. XXXX XXXX, Balance of {$2200.00}, date opened XX/XX/XXXX 14. XXXX XXXX XXXX ( XXXX ), Balance of {$630.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 15. XXXX XXXX XXXX XXXX XXXX ) for ( XXXX XXXX ), Balance of {$520.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 16. XXXX XXXX XXXXXXXX XXXX  ( XXXX ), Balance of {$240.00} date opened XX/XX/XXXX ( Wouldn't correspond ) 17. XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), Balance of {$920.00} date opened XX/XX/XXXX ( Wouldn't Correspond ). 
18. XXXX XXXX, Balance of {$1000.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 19. XXXX XXXX, Balance of {$7500.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ). 
20. XXXX XXXX XXXX, Balance of {$1400.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 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 2017-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

after disputing the following debts with XXXX 4 times and XXXX and TransUnion 3 times they have came back as saying verified but have shown no proof of how this debt was verified there are strict requirements how debt must be verified. The Fair Reporting Act ( FCRA ) requires the Credit Bureaus ( XXXX, XXXX & TransUnion ) to have PHYSICAL COPIES in THIER files of  documentation to support each account being reported. NOT THE CREDITOR, THE BUREAU Under the FCRA, Credit Reporting Agencies ( XXXX, TransUnion & XXXX ) must provide a copy of the verifiable original creditor documentation if it is requested properly by the consumer since XXXX, TransUnion & XXXX can not provide proof of verification to me in the form of a physical contract document per written request to do so- the account is classified as " UNVERIFIED '' and under the FCRA- all UNVERIFIED accounts MUST BE DELETED. The FCRA reqires that all Credit Reporting Agencies or " CRA 's '' VERIFY ALL INFORMATION received from creditors BEFORE this information is added to my credit file. Proper verification According to case law the CRA/Bureau must have copies of the ORIGINAL SIGNED APPLICATION in THEIR FILES! FAIR CREDIT REPORTING ACT. by providing all of this information, there is no question that i am the one making the written request. i request that XXXX XXXX XXXX And XXXX XXXX XXXX be removed from my credit reports.
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I received a letter in XXXX explaining my escrow was going to be short and my monthly payment would be increasing as a result. Then I received a letter saying I was going to have force placed insurance purchased on my behalf because of insufficient coverage. I have been trying to figure out what is going on with so so many phone calls to my mortgage company. Almost every call gets me a different explanation with little to no help to actually resolve the situation. I have been told I was being charged for a force placed flood insurance policy, that I have two different homeowners insurance policies being billed by the same company, that I do not have sufficient coverage, and that the master insurance policy for my hoa can not be applied to my account because of the property type being labeled as a single family home when it is actually a townhouse. I have spent hours and hours on hold, explaining the situation, re explaining the situation, and asking for support to have this addressed so my mortgage payment could be accurate. 

To. No. Avail. I am exhausted. I am angry. My time is being wasted. I am not being respected. 

Everyone on the customer service line politely tells me that after any changes are made I will be reimbursed for overpayment. At this point, I have not been able to correct the first error in the escrow account ( two different policies with the same insurance company being factored into escrow, when only one policy actually exists ) which has already increased my mortgage by almost $ XXXX/month as of XX/XX/2023. Now they are additionally threatening to increase my mortgage even more due to force placed insurance that I do not need. I have little confidence in their ability to accurately address these issues due to my experience thus far.
Consumer complaint received 2023-02-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA (TX)

XXXX Kia has given me a copy of my contract that is not signed by me which in the contract on the signature pages, it states that this contract is VOID if its missing two signatures, so there for there should not be an active loan nor contract. I have attached a copy of this contract that should have never been financed by the bank nor should i have paid any car notes and my " downpayment '' in cash which also violates the LEGAL LAW of 15 USC 1662 ( 2 ) which states no down payment can be advertised in the extension of consumer credit.

Also, the finance charge and contract violates the LEGAL LAW OF 15 U.S. Code 1605 - Determination of finance charge which states that the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) This is dealership fraud plus violation of my rights, credit profile and more
Consumer complaint received 2017-02-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

I cosigned my daughter 's student loan from XXXX ( now Navient ) almost 9 years ago. The understanding was that once she made 24 payments on time and was working and had established good credit, I, as the cosigner, could be released. Two years after she made 24 monthly on time payments, we attempted to get a release to no avail. Navient had changed the due date of her loan without advising her and that became the reason that they would not release me as cosigner. Fast forward several years ... My daughter is a XXXX for XXXX and makes 3 times what I, as a XXXX and XXXX, make. As a XXXX, it is common practice in XXXX to have the XXXX use their own credit cards for entertainment and travel, then get reimbursed by the company. Although we sent all of the appropriate documentation to Navient, they refuse to consider my daughter 's situation as an XXXX who gets reimbursed at the end of every month for the expenses relative to doing business. They have continually refused to release me as cosigner no matter what. I would like an investigation into how many people they have released as cosigners and I would like a financial person to review my daughter 's situation. Their customer service people are rude and nasty, unhelpful, and the company is completely shady. When it was XXXX, they were much easier to deal with. It is also notable that my daughter has paid more than the monthly required amount and they still will find a way to deny the request for cosigner release. Please review and look into this. Thank you.
Consumer complaint received 2017-08-23
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. (PA)

Experian, XXXX and XXXX are all reporting a fraudulent account on my credit report. Account # : XXXX for {$16000.00} opened XX/XX/XXXX. I received a letter from XXXX XXXX on XX/XX/XXXX that I needed to pay a Direct Parent Plus Loan for {$16000.00} ; Account # : XXXX. ( XXXX was not one of the options listed above for a loan holder choice ) I immediately called them to find out what this was about. They told me I opened a student loan in my name only for my daughter XXXX XXXX and that I was responsible for this loan and it was in my name and my name only! I believe my ex-wife ( divorced in XX/XX/XXXX ) used my social security number without my permission to open this account. This account is fraudulent and I will not be held responsible! I did not sign any documentation or approve this loan to be opened in my name. My ex-wife 's name is XXXX XXXX XXXX phone number XXXX and lives in XXXX, GA. I reside in the state of Pennsylvania and had no knowledge of this loan.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NJ)

Applied for BJs card back in the end of XXXX of XXXX. The rate was supposed to be XXXX or XXXX based on creditworthiness. 
My credit is over 750 so I assumed I was getting the XXXX. 
In XXXX I noticed the difference on my statement and checked the ppwk that I got when applied showing that the interest wasn't even close. Tried contacting them by phone. They stated that that was old rates I told her that they were just updates in XXXX according to the documentation. She told me to email the documents on their website. So I attempted many times it kept kicking me out. I called again about a month later and she replied the site might have been down. XX/XX/XXXX sent email with proff of documents. XX/XX/XXXX they replied that basically to just call customer service, which I did. Spent 1.25 hrs on the phone getting passed back and fourth. Next, I got a letter from XXXX XXXX XXXX  that they are taking over my account. Hope I gave you enough information. Thanks for your help
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2016-06-03
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Platinum Holdings Group, LLC (VA)

I have previously contacted the company Worldwide Asset Recovery about calling my place of employment and then speaking to my co-workers about my personal financial issues. The Rep. contacted me and then threatened me. he called my place of employment and told a co-worker that he was sending a sheriff to my home. Sometime after that I was contacted by a Rep. XXXX XXXX XXXX who initially refrained from calling my place of employment but then he began the same practice. I was verbally warned by my employer about incoming phone calls. The I received an automated Robotic styled phone call that said I was in a lot of trouble and XXXX help my soul. I researched the number XXXX and found out it was from XXXX XXXX Calling center. I also found out there 's other complaints about the same type phone call from that number. I also have in my person an email laying out threats.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian maintains that a collections account with XXXX XXXX XXXX XXXX was verified as accurate. I demand to know the method of verification used to verify this account pursuant to fcra XXXX.
Consumer complaint received 2017-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX, Transunion and XXXX are all reporting a fraudulent account on my credit report. Account # : XXXX for {$16000.00} opened XX/XX/XXXX. I received a letter from XXXX XXXX on XX/XX/XXXX that I needed to pay a Direct Parent Plus Loan for {$16000.00} ; Account # : XXXX. ( XXXX was not one of the options listed above for a loan holder choice ) I immediately called them to find out what this was about. They told me I opened a student loan in my name only for my daughter XXXX XXXX and that I was responsible for this loan and it was in my name and my name only! I believe my ex-wife ( divorced in XX/XX/XXXX ) used my social security number without my permission to open this account. This account is fraudulent and I will not be held responsible! I did not sign any documentation or approve this loan to be opened in my name. My ex-wife 's name is XXXX XXXX XXXX phone number XXXX and lives in XXXX, GA. I reside in the state of Pennsylvania and had no knowledge of this loan.
Consumer complaint received 2016-05-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Pinnacle Credit Services, LLC (TN)

First off, these people are contacting me for something that is n't mine. XXXX cell phone bill. I have XXXX of them on my credit report. They are not mine. I have challenged them and filed complaints. How can a person open XXXX accounts with XXXX in a year?? I do not know if someone opened these up in my name or if this is some kind of paperwork error, but these are not mine. I tried to explain that to the man that called me and he laughed at me, said it was n't his problem. He asked me how I intended to pay bill. I told him I was n't going to pay this because this is n't mine and it 's being disputed. He then told me they could take me to court and have it taken out of my paycheck. he called me XXXX, and refused to let me speak to a supervisor. Then the following day I received 17 calls from them. I thought it was illegal to call more than twice? I 'm so sick of this. These accounts are not mine!