davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I tried to open a checking account with Chase in mid XXXX. I tried to make transfers into the account throughout late XXXX and XXXX, but my transfers repeatedly were rejected. It was to the point where I was going to get charged a fee for not having an account balance despite REPEATEDLY trying to make valid transfers. I went into the branch, called Chase XX/XX/23 and XX/XX/23, XX/XX/23, so many times on different numbers. I was told by a chase representative that it was simply NOT possible to make external transfers into chase ( false ), which lead to me asking them to eventually close my account. At the time that I asked them to close my account, my balance was XXXX, so I thought, no problems. However, 3 weeks after this call, the account is STILL not closed, and my transfers are going through. So then I have $ XXXX in the account and it is openappears account is not being closed after all. On XX/XX/23, 3 weeks after my last call to Chase, suddenly the account disappears from the website, it is closed, and it says the XXXX is withdrawn. I go into the bank and work with the banker, they call the closings line, who says they have NO idea why the account a ) didn't close when I originally went through, b ) then stayed open and MULTIPLE {$1000.00} transfers went through, c ) then closed arbitrarily 3 weeks later with no notice and d ) where exactly the {$2000.00} has gone. They can not even tell me whether they have mailed me a check and if so where to ( I informed them I do not have residence at my mailing address and CAN NOT receive a check there ). This is absurd behavior by a bank that I literally pay to have a card open on. I feel that Chase stole {$2000.00} from me simply by " not knowing '' what they were doing and having no knowledge of how their own internal banking processes worked. Additionally, while my account was held open for 3 weeks after I made the call, Chase allowed my transfers but did not make my funds available for WEEKS- which I am pretty sure is illegal, without a reasonable hold reason they should not be able to simply hold my funds for that many business days. I have been trying to resolve this issue with Chase for a month and a half at this point and have seen NO resolution.
Consumer complaint received 2019-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (KY)

XX/XX/2018 its saying I opened an account under I C System not even sure what that is, however. Its showing here on my credit report {$420.00} is pst due but I havent opened anything my identity was stolen. Ive contacted them and tried to tell them. They deleted it then added it back.
Consumer complaint received 2023-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

Shell Point mortgage servicing is servicing my mortgage. I wish to pay it off 5 years early. However, they refuse to give me the correct payoff as per the contract. And expect me to pay all interest for entirety of loan no matter when I paid off. This was a 30 year Fixed rate mortgage with no prepayment penalties. They are basically telling me to XXXX them. Which will cost me more than XXXX they are trying to steal from me. I believe this is extortion and should be investigated
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NY)

Good day, I had XXXX XXXX XXXX XXXX  at my home for more than 6 years. The system was plagued with issues, from blank panel screens to no images being captured despite persons entering and leaving my home and yard space. It became untenable during the pandemic when we were mostly shopping online. I had my delivered parcels stolen regularly and I had no proof of them being removed, despite the fact that I have a XXXX XXXX XXXX  that covers my front yard and part of my neighbors on both sides. Each time I complained to XXXX customer service they would read from their script and tell me to ( 1 ) shut down all power to my home from the main panel ( I have to go outside to the main electrical panel to do this ) ( 2 ) They would tell me to go outside to the door bell and give me instructions to press and report the lighting colors on the door bell to them ( 3 ) They would required me to get a screw driver and instrut me on how to remove the panel cover and perform the instructions that they would provide over the phone from their script. 
I am not a yong person and I am not inclined in these areas or skills. I became frustrated with these tasks and they gave me the option of paying for a technician to come to my home to perform these repair work. Problems usually return within days or a few weeks. 
In XXXX of XXXX, one morning I wok up and my property that faces the doorbell camera was removed from my premises and there were no images captured by that camera for days including that morning, I was livid. I spent 45 minutes on the phone on XX/XX/ until I got a representative. I told her that I wanted to cancel the security service that they provide at my home, effective immediately. They told me it could not be done that way, I have to send a written letter requesting cancellation and wait thirty days for their cancellation process. They text me their email information with instruction for cancelling the service. I came home from work and did as I was told. 
I never received an email or letter from them in respose to my request. On XX/XX/, my husband and I obtain securty service from XXXX, which has been providing effective monitoring service to our home. XXXX has been billing me continuosly even after my cancellation request and the 30 day they told me that they needed. Their useless equiptment has been sittin in a box at my house since it was remove from my walls by XXXX on XX/XX/. Please have the cancel these bills and do all that is need to clear the negative reporting from my credit report. 
Thank you in advance for your review and assistance in the resolution of this matter. 
Regards. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-07-25
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I, XXXX XXXX and natural person, was denied credit by CAPITAL ONE when I applied for auto financing, who is in possession/control of a legal person ( XXXX XXXX XXXX of whom I am the Executor of the Estate/Trust of XXXX XXXX XXXX XXXX through a XXXX presented form the Treasury with a EIN with credits/funds exceeding $ XXXX in which credits are taken from every time my social is used. I am co-signing/the co-signer for the legal person ( XXXX XXXX ) when Im entering into any consumer credit transaction/consumer transaction.. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( Regulation B ) which is codified in 15 U.S.C 1691 ( a ) ( c ) and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611, while denying me extension of my OWN credit. They also alined themselves with the dealer in trying to make me put down a down payment when its a consumer credit transaction and thats breaking the law 15 U.S.C 1605, 15 U.S.C 1611. A creditor shall not refuse to grant a individual account to a credit worthy applicant for ANY prohibited basis 12 CFR 1002.7 ( a ).

You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by CAPITAL ONE due to the response I received. 
CAPITAL ONE is in violation of 15 U.S.C1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) 15 U.S.C 1602 ( l ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of CAPITAL ONE 15 U.S.C 1602 ( p ).
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I have a Chase Sapphire Reserved Credit Card through Chase Bank and my Chase Ultimate Rewards points were stolen from me. 

On XX/XX/2019, there was an unauthorized withdrawal of ~90,000 Chase Ultimate Rewards points from my account that was transferred over to an unknown XXXX XXXX account based out of New York that did not belong to me. I opened a fraud claim in early XXXX with Chase and they've investigated into this issue. 

Chase was able to identify that the fraudulent transaction had occurred over the phone. The fraudulent party was able to spoof my phone number and bypass through Chase 's identity verification process to perform a manual withdrawal of my reward points and have them converted to cash and deposited into the XXXX savings account mentioned above. Although Chase had agreed that this is a fraudulent transaction, there has been an internal decision to ignore the claim. They are unwilling to resolve the dispute and return my points. 

I was then told that there was an internal review my account and an internal decision has been made for Chase to end their relationship with me as of XX/XX/2019 and because of that, this fraud claim will not be resolved. Chase is unwilling to take responsibility and help resolve a fraudulent transaction that took place prior to this decision to end the relationship. I've been a client of Chase for over 14 years - I have no issues with the company 's decision to end their relationship with me ; however, I should be entitled to the rewards points back that I've earned through the program that were fraudulently taken from me. 

I've spoken to several personal bankers, Private Client bankers and even a branch manager about my case ( XXXX XXXX and XXXX XXXX branches ). They've been assisting me with escalating this situation ; however, Chase corporate will not take responsibility to resolve the claim. 

My identity has been clearly compromised and Chase has failed to protect its consumers from fraud. I'm very disappointed in the decision and am looking to escalate this further to bring light to this matter and protect other consumers that may have gone through this similar event.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have received several inquires from Bank of America without my authorization. 
They have open accounts on my behalf which I never request. I contacted the bank on XX/XX/XXXX after receiving a credit card on the mail that I never request, for this they did a credit inquiry on XX/XX/XXXX. After this incident I check my credit report and they have been unauthorized inquiries from bank of American since XXXX. I have never request nothing from this bank I am not even a costumer. Today XX/XX/XXXX again my bank notify me that on XX/XX/XXXX there was another inquiry on my credit from Bank of American, again this was not me. I contacted the bank again and they told me I am probably a victim of identity theft. I told them I have only received unauthorized inquiries from their bank and no one else. Please help
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The judge issued orders in my divorce decree XXXX XXXX XX/XX/XXXX date of court entry that my ex was ordered to pay XXXX ( XXXX ) off on XX/XX/XXXX, date of the home sale with those funds. It was left delinquent 90 days into XXXX and is on my bureau reports. I attempted to contact XXXX myself and they assured me that my name was not on this account, however that was all they could tell me, so how was this then reported as my delinquency? I sent complaints to all three bureaus full of documentation. They never responded and never removed it. XXXX sent a copy of my report with the XXXX account entered twice, once correctly and never replied to removing the incorrect one. They have her new address on my report in XXXX, her family home in XXXX XXXX and other homes I've never lived in. They also don't list three paid off homes, another in XXXX, TX, 10 cars, 50 credit cards, or student loans for three degrees.This false information is causing rejections and inquiry alerts that continue to mount as she continues to do whatever my ex is doing. 
I also sent XXXX a certified letter-to XXXX XXXX at the NY Corporate office asking why the XXXX account is closed. I lost XXXX in bonus XXXX money with the loss of this card. The tracking number is XXXX XXXX sent on XX/XX/XXXX. I received no answer and no {$500.00} in earned money. Their people applied my payments from a checking account they entered incorrectly-one digit off and charged me XXXX per error, and I paid it immediately on the telephone with my acct number in hand-no problem. THEY WERE ADVANCE PAYMENTS. I went to their XXXX XXXX location and no one would help me. I want my money that I deserve, My bureau shows never late and I never receive If it was investigated it would have been repaired! 
I am a highly educated man of means and I demand they repair their errors.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I've been grappling with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (SC)

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX Balance : {$300.00}
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I go on my credit report and see there is no debt to speak of whatsoever. My total debt is only XXXX account for a little over {$500.00} that I didn't even make. I disputed this but I feel if it dropped off my score would probably go down instead of up. This score is holding me back from being able to achieve any kind of a new vehicle or a home! Because of this I can't build good credit at all. When I apply for credit they even hold that against me. I feel someone with XXXX debt should have a great score and mine just keeps going down! This is a very unjust process and needs to be reviewed and corrected! Someone has to see my point of view is correct and help me so that I am given the opportunities to move up in my finances.
Consumer complaint received 2019-05-21
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. (GA)

Hello I was told that I can reach out to you all regarding a few items on my credit that is not mine. I went to refinance my loan and yes I was approved but with a high interest rate. I went over my credit with my loan officer and there are items on my credit that are not mine. I have the FTC also and I've filed a report with the police. I'm doing this on my own behalf. XXXX, XXXX and XXXX.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I cancelled my Bank of America credit card. They sent me a new one I didn't ask for. 
I never activated the card they sent, charges appeared on the card I DID NOT ACTIVATE B of A cancelled the charges and said they would cancel the card. But the account is still open and contacting them is incredibly difficult. I DO NOT WANT THIS CARD OR ANY OTHER B OF A PRODUCT. I want them out of my life.