davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

To whom it may concern, On Sunday  XXXX   XXXX  I reported to Chase Bank that my card had been stolen and fraudulent transactions had occurred without my authorization. The transactions that were a result of my card and pin number being compromised are detailed below : ATM DEBIT  XXXX   XXXX   XXXX   XXXX  - {$500.00}  XXXX  POS DEBIT   XXXX   - {$850.00}  XXXX  POS DEBIT  XXXX  - {$850.00}  XXXX   POS DEBIT   XXXX  - {$28.00}  XXXX  ATM  DEBIT    XXXX   - {$42.00}  XXXX   POS DEBIT   XXXX  - {$58.00}  XXXX  The last authorized transaction I made was at an ATM withdrawal for {$100.00} at  XXXX  at  XXXX   XXXX   XXXX   XXXX . That was the last time I saw and used my card, from that point on I was unable to find my card. I woke up and found that my card was missing from my wallet, looked around some, then checked my account to see the balance. Once I saw that unauthorized transactions had occurred I called chase claims immediately.   When I called claims I was incredibly distraught and overwhelmed by my account having been compromised and drained of all funds. I provided information to Chase claims based on what I assumed had happened with the card. My card was lost and somehow the pin number was compromised without my consent or authorization, so I subsequently filed a police report with  XXXX  PD regarding the illegal activity.   Chase Bank denied the fraudulent claim based on the information I provided them the morning of finding out my card had been lost. They believe that I gave consent and authorization for these transactions by giving my pin number to someone and then that person then making every charge thereafter which I disputed the following morning as fraudulent, when in reality, I was with someone at the time of my last ATM withdrawal, but this does not dictate that this person was absolutely the one who somehow retrieved my pin and then made the following transactions as cited above. Chase denied my claim when under the circumstances I should have been protected against this case of fraud because I did not make or authorize any of these transactions, nor did I give away my pin number with consent for someone other than myself to make transactions on my behalf.  <P/>  Chase  claim # :  XXXX  Checking account # :  XXXX   XXXX   PD   Debit Card fraud c ase # :  XXXX   XXXX   PD  Lost Property case # :  XXXX
Consumer complaint received 2017-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BB&T CORPORATION (GA)

My wife and I stopped by BB & T located at XXXX XXXX XXXX, XXXX GA. The checking account is in my name, and as we are waiting for my wife 's permanent green card to arrive, the bank has not allowed us to place the checking account in both of our names or to open a joint checking account. I had two checks made out to my wife, one from XXXX and the other from a local hospital. The teller immediately refused to cash the checks because my wife 's name was not on the checking account ( we were in the drive through ). I explained why her name was not on the account, and he said he needed to look into the matter. I gave him my driver 's license, her driver 's license, and my debit card. After 20 minutes of checking he came back to tell me he could not cash another check I had given to him ( we had given three checks, the third was to me and my wife for a washer we sold as we were planning to move ). At this point we had been sitting in the drive through for 20 minutes, and our XXXX children under the age of XXXX were needing their naps. I walked into the bank to collect our IDs my debit card and checks ( none of which were cashed ). I asked to speak to a manager however the teller refused to let me speak with a manager. The teller 's name was XXXX, his shirt was untucked, and his overall attitude was very unprofessional. I left the bank, called and spoke with someone in the bank who identified herself as XXXX. XXXX told me that there was no manager in and that they were unsure when a manager would arrive, however someone would be in  touch with me later that day to discuss what happened. No one called. I have dealt with a great deal of unprofessionalism at BB & T the last 2 years, and have had to email them regarding their employees conduct, unwillingness to help, and general cluelessness. These interactions do no inspire much confidence in BB & T. Still, no one from this BB & T branch has reached out to me to discuss what occurred which is why I am filing a complaint. I need to add that I took all three checks to a BB & T close to my home later that afternoon, and the local branch manager cashed them all without any problem. He could not have been any nicer.
Consumer complaint received 2017-05-31
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (FL)

My  Auto Lease  payment was due on   X/XX/2017    . I made my payment early on   X/XX/2017     in the amount of {$560.00}. I used the link when I log into my  GM Financial  account, selected payment options for Credit Card, clicked on the link for  XXXX   XXXX    XXXX   XXXX  . When I click on the link from there website It ask me to enter the Bill Payer, I entered  GM Financial a nd a drop down came up to sele ct GM   Financial Leasing  or  GM Financial (  I have a lease ). I enter in my account number  XXXX , continue to enter my payment amount {$560.00} and  XXXX   XXXX  confirms the payment and I paid same day service  2-4  hours.  <P/> After I get my payment conformation via  XXXX   XXXX   XXXX  numbe r M  oney Transfer Control Number  [ MTCN ] is :  XXXX   AUTH CODE  : Conformation #  XXXX  I contacted  GM Financial  several times asking them if they received my payment, I keep being told no payment received. On  XXXX  I finally spoke with a Supervisor name  XXXX  on  XXXX / XXXX /  XXXX   and I did  a 3  way call with  GM Financial  and  XXXX   XXXX . The  XXXX   XXXX  representative verified with Supervisor at  GM Financial  that my payment was accepted with  GM Financial  on  XXXX / XXXX /  XXXX  , so now its up to  GM Financial  to apply my payment to my account. The supervisor said he would send this info over to their payment processing department so my payment can be applied to my account.  <P/> Today   XXXX     I check my online account and I still see payment has still not posted. I contacted an online chat rep with  GM Financial, an d the chant rep said the payment still not received. And they will expedite a request with their payment processing department.  <P/> At this point this is taking too long to apply my payment to my account, my Credit card has a posted charge deducted for the payment and  XXXX   XXXX  has confirmed the payment on same date   XX/XX/2017     and  GM Financial  has confirmed the payment and still they have not applied my payment to my account, causing me account delinquency.  <P/> I am requesting that my payment be applied to my account effective immediately dated   XX/XX/2017    , and report my account with all  3  credit bureau s ( Paid on Time, Never Late )
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Over the past two weeks I have contacted : XXXX XXXX ( a Capitol One service ), Capitol One, and XXXX ( who provides the service information to Capitol One ).
This complaint concerns XXXX XXXX reporting, the failure of Capitol One to address the complaints, and XXXX for failing to provide the correct information in a timely and reasonable manner.
I have eight reported accounts : XXXX XXXX - balance is XXXX but record shows {$290.00} - INCORRECT XXXX XXXX - balance is XXXX but report shows {$8.00} - INCORRECT XXXX - account amount is incorrectly reported ( too high ) - INCORRECT XXXX ( XXXX ) - account amount incorrectly reported ( too high ) - INCORRECT Capitol One - two accounts with XXXX balance reported correctly XXXX - XXXX balance reported correctly Student loan account - XXXX student loan account balance off by several hundred dollars - INCORRECT Additionally I have 12 Alerts showing from an XXXX account which should not be reported as they are deleted accounts! XXXX provided the information dutifully and XXXX  fails to act on the deletion.
I am aware accounts may have a delayed reporting in the industry. I am aware of the date when each of my accounts report. I contacted each creditor to affirm when they reported account information. HOWEVER the incorrect totals have been consistently reported as incorrect, as noted above, for a number of months.
In another CFPB complaint I have addressed the payment history as incorrect. It should be 99 % instead of 89 %.
I believe this is may be a generalized problem as it appears to be a code issue. I could be wrong about this however. These problems began a few months back. None of the three businesses had an interest in notifying their IT folk about a possible glitch, or, it just might be a really sloppy service.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On  XXXX   XXXX , i received a credit alert saying I have a 30 day lateness with  XXXX . I immediately called them to let them know there must be some type of error because i set up auto pay with them. I was told today that there was a glitch in their system and that my auto pay was never processed. Now, I do n't have any other lateness 's on my credit report. I take pride in having Excellent credit and this error is causing me not to get approved for my mortgage loan. Can you please correct this lateness as it was a glitch on their part and not mines. I 'm looking forward to move my fam ily into our 1st Brand new home. Thank you in advance!
Consumer complaint received 2017-07-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Equitable Acceptance Corp (PA)

Hi I am writing because I was contacted by a company that claimed they helped people with high student loans. The account person told me she would get my loan lowered to XXXX a month. She asked me to sign document and asked me to say my husband was a homemaker. After all that I was transferred to a " verifier '' who told me starting in XX/XX/XXXX I would be paying Mentor/equitable trust XXXX a month. I questioned the charge and said I was never told that and did not agree to this. At this point I knew something was wrong. I Stated I did n't agree hung up and called my loan service ER. They explained to me this was a scam to get XXXX a month and everything this company was supposedly going to do can be done for free. I sent email immediately saying I do n't want this ... Sure enough they have called me multiple times a day threatening me saying I signed a legal contract.
Consumer complaint received 2017-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion customer service has fail to remove the below unauthorized inquiries that are reporting on my Transunion Credit report, and I would like to file a complaint against Transunion to immediately remove these inquiries. XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

T rans Union  did not adequately respond the to complaint referenced below. The complaint should remain open pending a thorough reinvestigation and proper adjudication.  <P/>  Trans Union  continues to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : ( 1 )  XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  Status : Docket #  XXXX , DISMISSED. ( 2 )  XXXX   XXXX    XXXX   VA  XXXX   XXXX    XXXX    XXXX   XXXX , VA  XXXX  Status : Docket #  XXXX , DISMISSED.  Trans Union  continues to list the dismissed bankruptcy on my credit file.  Trans Union ' s policy is to keep reporting bankruptcies that are filed, dismissed or adjudicated fo r ten ye ars. However, the Fair Credit Reporting Act mentions nothing in  Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from, " date of adjudication '' or d ate of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed  may  never have actually been adjudicated. Therefore,  Trans Union  has no right to maintain information which the government has deemed nonexistent. Pursua nt to Section 1681 ( a )   ( 5 ) o f the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. This action does not require an investigation ; I would appreciate your response within  14 calen dar days from receipt of this letter.
Consumer complaint received 2017-07-14
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. (ME)

I reached out to both   XXXX   and   XXXX   to make them aware of unauthorized inquiries on my credit report. They were unwilling to assist me in getting these erroneous inquiries removed, so I am reaching out to you to help. There are also accounts that are not mine that are showing that need to be removed. The inquiries are :   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   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    <P/> The following are inquiries from  XXXX  that are not authorized by me :   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 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (MD)

Discover Bank, NA continues to report this debt as being active and new to my credit report which stops me from attaining new credit and causes me harm and distress. I have contacted Discover where they claimed they will remove the account from my credit report and will do so however after about 30 days will show up again. <P/>Because of their derogatory reporting it has been very difficult to get my life in order. One representative informed me that sometimes it is just our job to make sure your life is n't easy because you do n't get to get the easy route when some of us have it hard. Discover is reporting to XXXX  This issue with Discover has been going on for several years and the great hardship it has caused including extra lengthly investigations into my background checks for the renewal of my clearance has not been easy and very stressful. <P/>As one of their employees informed me we do not exactly care, because it does not afect us in the slightest bit. According to the system the call may be recorded for quality and training purposes, however I do not know if it tuly were.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

Equifax continually blocks me from obtaining disclosure of my consumer file also known as " file disclosure ''. XXXX XXXX 2017, I discovered Equifax was blocking me from purchasing my consumer disclosure file. XXXX, Equifax repeatedly declined my requests for my file disclosure when I called Equifaxs automated system XXXX. Equifax stated I am sorry ; our records indicate we recently completed an investigation of your credit file and sent you an updated copy. We are unable to send you an additional copy at this time. Alarmingly on XXXX, the numeric portion of my current address was changed without my request. Alarmingly, on XXXX, I had not yet mailed my one and only dispute received by Equifax on XXXX XXXX 2017 via certified mail # XXXX XXXX XXXX XXXX XXXX. <P/><P/>Evidently, someone other than me, made an unauthorized dispute in my consumer file prior to XXXX XXXX 2017 and I never received results of the alleged completed investigation from Equifax. I suspect I am a victim of fraud. Furthermore, I suspect that my consumer file has been mixed with someone elses information. Note that Equifax continuous failure or refusal to provide me disclosure of my consumer file serves to further expose me to fraud/identity theft and harm. <P/><P/>Further to my dispute of addresses received by Equifax via certified mail # XXXX XXXX XXXX XXXX XXXX , I received Equifax file dated XXXX containing results of reinvestigation. However, Equifax did not provide me a consumer report, which is a clear violation of the FCRA. <P/><P/>On XXXX XXXX 2017 and XXXX XXXX 2017 I sent Equifax, XXXX XXXX XXXX, XXXX, GA XXXX via overnight express mail, correspondence with money orders # XXXX and # XXXX payable to EQUIFAX for the express purpose of providing me disclosure of all information in my consumer file under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g. I never received the requested file disclosure or response. <P/>On XXXX XXXX 2017, I opened a case # XXXX against Equifax with Better Business Bureau ( BBB ) to complain about Equifax failure or refusal to provide me my requested consumer file disclosure. I never received the requested file disclosure or response from Equifax. <P/><P/>Subsequently, I learned that my money orders # XXXX and # XXXX were cashed. However, I dont yet know who cashed the money orders.
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (IL)

XXXX installed my cable services on XXXX XXXX, 2015. Initially they were suppose to install service on an earlier date, however no one showed up for the installation even though I was expecting someone to arrive. Due to this initial issue, my installation fees were waived and rescheduled for XXXX XXXX, XXXX. After having XXXX service, I was not satisfied so I called to cancel within the 30 day quarentee. When I called on XXXX XXXX, 2015, a XXXX representative told me the system was down and they would make sure it was entered when the system was up and running. XXXX has record of this cancellation call and all of the above information. Someone however did not enter in my call to cancel until after the 30 days and this is where the charges are coming from. I returned all equipment and did everything I was suppose to do, however this is an ongoing issue for 2 years now. I have spoken with numerous representatives that have told me that I do not owe any money. I feel like I am being bullied by this company.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 1. XXXX XXXX : This account I have never done business with this company error please delete. 2.XXXX : This account has inaccurate info 629 violation please delete. 3. XXXX XXXX : This is inaccurate in information no validation errors please delete. 4.XXXX : This is not a valid account error. I do not recognize this company no proof of claim information please delete