davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

3rd Complaint regarding this matter! 
On XX/XX/18, I had my bank send a wire transfer to The XXXX XXXX, XXXX, TX, at the request of a friend of mine. She gave me the account number of a person she knew at the business who was to handle the transfer for her since she would be out of the country when the wire was transferred. The person whose account the transfer went to, is holding the funds in the XXXX XXXX account, and will not release it. He has held it for over 3 months. It is {$53000.00}. I am the owner of these funds, not the person at The XXXX XXXX. Chase Bank has investigated twice at your request, but say they can't release the money to me unless my bank issues a recall. My bank has issued numerous complaints, but Chase never releases my funds. This is a huge amount of money, and it belongs to me. Chase needs to release the funds when my bank issues a recall, yet they never do. The person at the XXXX XXXX is holding funds that he knows does not belong to him. Chase needs to release my funds me to resolve this matter. They need to have SOMEONE who can release my funds to do so. This is going into a new year now, and I am still out my funds. I no longer want the friend who told me where to wire the money to receive the funds. Please if Chase can not release the money to me being fully aware of the situation, how do you suggest I move my complaint further? I am not satisfied with their lack of interest in solving my problem with them. All they have told me to do is have my bank issue a recall. My bank is hesitant to continue issuing recalls when nothing is done by Chase to solve this problem. The person holding the funds is being fraudulent because he knows he is not the intended recipient. Chase case # XXXX. Beneficiary account # XXXX XXXX The XXXX  XXXXl XXXX XXXX XXXX XXXX, XXXX TX XXXX Should be refunded to : XXXX at XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2018-12-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (GA)

Regions Bank Institution is charging me overdraft and non-sufficient funds fees ; I have paid Regions Bank Monies with regards to the personal line of Credit to bring that Account to XXXX Monies owed. 

Regions Bank unlawful practices are unfortunate. This will be the second unlawful fees reporting I have from filed. 

I have documented files to upload ;
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I purchased the car in XXXX at a purchase price of less than $ 10K. XXXX repossessed the car in XXXX and reported to the credit bureaus that I owe a balance of more than $ 10K. The car was auctioned off in XXXX. There is no way that I owe over $ 10K on a car that I had for 5 years and the purchase price was under $ 10K. XXXX needs to provide the signed loan documentation with the purchase and interest agreement. The balance reported to the credit bureaus is inflated. The documentation provided to the Consumer Financial Protection Bureau is a computer print out and does not prove the amount owed coincides with the loan documents I signed. XXXX also sent email payment confirmations to my email address that was a link to their site but I am unable to access payment receipts because my access to the account was removed.
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (NY)

on XX/XX/2021 my checking account balance was low so I transferred money from my saving to my checking account to cover purchases. After I made the transfer i made a few purchases. Usually, when I transfer money it becomes available right away or at some point the same day. This time they didn't make my found available until the next day after my purchases were posted to my account causing me to overdraft 3 times and refusing to reverse the fees.
Consumer complaint received 2018-12-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP (NJ)

I recevie a letter in the mail that was written on XXXX from a debt collector name, Pressler, FELT & WARSHAW, L.L.P. ( AKA ) XXXX XXXX. Of a debt that I do not own. For months, I been asking them to send me documents with my information on it and a signature on the paperwork and the refuse to send it. They was just sending me a bill with my name on it. I recevie a letter stating that if " Failure to comply with this information subpoena may result in your arrest and incarceration. 
The amount they said was owe was XXXX, the paperwork date this bill on, XXXX XXXX. 
Under the law Of the ( FDCPA SECTION 807 ) its a fine of XXXX
Consumer complaint received 2023-07-09
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. (PA)

In accordance with the Fair Credit Reporting Act DPT EDXXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-12-31
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. (GA)

XXXX {$470.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) No contract Exist ... grave errorfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

I have had several calls and mail correspondence about credit cards from XXXX, Best Buy, Home Depot, XXXX, XXXX XXXX, XXXX, and XXXX. XXXX and Best buy have been approved despite me not ever having talked with the company. I'd like to end all credit cards taken out in my name in the past month.
Consumer complaint received 2019-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have been dealing with this company for years and they have yet to accurately verify this account that does not belong to me. I have two open credit cards with the company they claim I have a collection with that were both opened after the alleged collection took place. Surely if this was my account the bank wouldnt have overlooked that twice! 
PORTFOLIO RECOVERY must herein provide to me a True and Certified Original copy of the Complete audit trail under penalties of Perjury of alleged account with their company, pursuant to 15 USC 1692.g of FDCPA. Furthermore, in order for PORTFOLIO RECOVERY to validate the debt please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with BASEL 3 accord and U.N.C.I.T.R.A.L. conventions. I would also need a certified copy of the original contract with my wet ink signature between me and PORTFOLIO RECOVERY, proving that PORTFOLIO RECOVERY is holder in due course of the original debt contract as well as certified original copy of your Tax Registration Certificate. If they can not provide this information I demand that they remove/delete negative account from ALL three credit bureaus as well as stop with any further harassment.
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Jon Barry and Associates, Inc. (GA)

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an inaccurate entry listings of {$950.00} & {$1000.00}.

I challenge the accuracy, compliance and reportability of these listings. ( Can not collect debts twice ) There is no contract, no valid claim ... accounts were settled with original creditor ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any  documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

I have had several calls and mail correspondence about credit cards from XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and Chase. XXXX and XXXX XXXX have been approved despite me not ever having talked with the company. I'd like to end all credit cards taken out in my name in the past month.
Consumer complaint received 2019-06-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC. (OH)

Exeter Finance didnt provide any proof of said claim. Exeter stated they reviewed the calls. They even stated the extended. They didnt say it was applied.

Exeter Finance is using stall tactics to attemp to reprocess the vehicle during the pending situation.

Ive taken steps to prevent that from happening.

Until matter is formally handled
Consumer complaint received 2018-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY (SC)

Im an XXXX XXXX owner and did received a fraudulent email which was pretend to be XXXX but what a scam. 
I did submit all information such as social security number, current address, maiden name date of birth, and full name. 
Also a credit card information, number and security number, although I did contact my bank and block credit card.
Consumer complaint received 2018-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TX)

This is the third card XXXX has tried to open in my name. I have filed complaints for their attempt to open a XXXX XXXX and a XXXX  XXXX in my name. Each complaint asked XXXX NOT to attempt to open any card, account or financial service in my name. It's obvious they are ignoring these complaints. See the attached scan ( XXXX XXXX - XXXX XXXX XXXX ).
Consumer complaint received 2018-12-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (CA)

I have a GM FINACIAL ACCOUNT, the loan for XXXX XXXX XXXX, XXXX NUMBER XXXX, the ACCOUNT NUMBER IS XXXX, I did open this account and I paid in in full, but GM FINANCIAL reported me to XXXX credit bureau that on XX/XX/XXXX, I had one late payment, which I always pay on time, plus they had the improper address to send me the bill, and second they had my wrong account number, this company never send me any documents to tell me that I was late, the phone number for GM FINANCIAL IS XXXX ( XXXX ) XXXX.please contact GM FINANCIAL and have them correct the mistake that I was never late, Please contact me if you have any questions at my cellular number ( XXXX ) XXXX.
Consumer complaint received 2018-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (FL)

Diversified reported me for a debt that is not mine and reported me at an address that is not mine. They refuse to remove it. I only found out about this because my credit score went from XXXX to XXXX. The fraud account is for {$320.00}. They are willing to cost me money over their fraud because now my score is low. I was never contacted in anyway about this.
Consumer complaint received 2018-12-30
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: LEXISNEXIS (IN)

LEXISNEXIS says that a public record is verified and sold their incorrect information to other credit reporting agencies and refuse to delete the incorrect information. At which I have documentation that I sent LexisNexis on XX/XX/2018, for a deletion of said incorrect information. LexisNexis refused ft follow the letter of the law.
Consumer complaint received 2018-12-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (CA)

I responded to a brochure describing a checking account that once opened would give you a {$200.00} bonus once you initiated direct deposit of social security benefits if received within 60 days after opening. I opened one XX/XX/XXXX and that same day redirected my soc sec direct deposit from XXXX XXXX to this bank BBVA Compass. However it will not occur until XX/XX/XXXX missing the 60 day cutoff due to soc sec inability to do things fast enough. 
I tried to get an answer from BBVA about whether I could still get the bonus considering these circumstances but they will not commit to it.
Consumer complaint received 2018-10-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC. (NY)

I have a stock account with Robinhood. I contacted the business on XX/XX/18 to withdraw my funds as I am experiencing an economic undue hardship and have a financial emergency. I explained to XXXX the situation and they were supposed to cut me a check for the money I had avail in my account. That was over 10 days ago and the money is still sitting in my account. I have reached out to them on several occasions explaining I need my money ASAP and they will not respond or send me my money. The last time I spoke with a rep was XXXX XXXX on XX/XX/18 who verified all my info to have a check cut and the money is still sitting in my account with robinhood. They refuse to disburse my money to me. I am getting charged penalties due to Robinhoods fraud of keeping money of mine that they refuse to send to me.This is securities FRAUD and they are stealing my money. I need a check in the mail overnighted. It has been over a week and they refuse to acknowledge my request.
Consumer complaint received 2018-10-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

On XX/XX/2018, I called Navient and tried to get a better/lower payment for my student loans because my family and I have been struggling to pay all our bills. One of the reps said that the only option for me was to lower my interest rate and get my bill down from {$410.00} a month to {$310.00}. I told her that was still too steep for me, having listed all my expenses and so forth. She called in a manager to ask if we could do anything further. The manager was very rude! She told me that if it was up to her, she would not have given me any assistance or even reduce my bill in the first place! However, since the rep had already given me the offer of {$310.00}, I could choose to accept or deny it. She was very rude, short and distasteful. I am totally disappointed with the company and this individual. I hope no one ever has to be subjected to this type of treatment.
Consumer complaint received 2018-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (NC)

On XX/XX/XXXX I check my credit and was informed that that SOUTHWEST CREDIT SYS XXXX XXXX XXXX, XXXX, XXXX  XXXX was on my credit report. I didnt know where it came from and i wasn't made aware of it previous. I wasn't given NY NOTICE OF THIS COLLECTION. this HAS COST ME MY HOME DUE TO I WAS IN THE MIDST OF CLOSING WHEN IT WAS ADDED ON MY CREDIT REPORT. I HAVE CALLED AND SPOKE WITH MULTIPLE REPS AND HAVE SINCE FOUND OUT THAT THEY ARE COLLECTING ON A DEBT FROM XX/XX/XXXX AND XX/XX/XXXX. FIRST I INFORMED THEM THAT THIS IS NOT MY DEBT DUE TO IVE HAD IDENTITY THEFT AND HAVE SENT THEM BOTH OF MY POLICE REPORTS SHOWING FROM XX/XX/XXXX AND XX/XX/XXXX THAT I HAD IDENTITY THEFT. i HAVE ALSO SENT THE INFORMATION TO CHARTER COMMUNICATION WHO IS SUPPOSED TO BE THE ORIGINAL OWNER OF THE DEBT. I WANT THIS REMOVED OFF MY CREDIT IMMEDIATELY. i WOULD LIKE AN APOLOGY DUE TO I DON'T OWN MY HOME BECAUSE OF THEM. I WANT THEM TO STOP COLLECTING ON THIS GHOST /IDENTITY THEFT ACCOUNT IMMEDIATELY BEFORE I BRING A LAWYER INTO IT. IN XX/XX/XXXX I WAS LIVING IN XXXX XXXX AT MY MOTHER AND FATHERS HOME. I DIDN'T EBEN OWN MY OWN PLACE YET AND THEN IN XX/XX/XXXX I LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX SINCE XX/XX/XXXX-XX/XX/XXXX. THE ADDRESS THEY HAVE ON FILE I NEVER LIVED AT THOSE LOCATIONS
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (NH)

An XXXX XXXX American Express card was attempted opened in my name. I received a denial from American Express as I had placed a freeze on my credit files. I did not apply for nor did I solicit credit. I called the number provided at XXXX and referenced # XXXX. I have since added a fraud alert to my credit files.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have disputed the late payment status reported on the accountXXXX XXXX XXXX XXXX and XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im in the process of getting a new car
Consumer complaint received 2018-10-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It has come to my attention that as a result of a dispute with XXXX and XXXX my credit report has been smeared. On XX/XX/2018 I notified the banks that I dispute all charges related to credit cards issued by the aforementioned banks. 

I explained that the accounts were not opened by me and my personal information was compromised. I never had possession of these cards and I never authorized anyone to open or use these accounts. 

The aforementioned banks gave no consideration to my statements and facts described in multiple letters dated from XX/XX/2018 to the present and rejected my claims. 

I continue to dispute all charges of these accounts. I request the immediate restoration of my credit report to reflect my excellent history of accountability and responsibility in all my financial transactions either it is credit cards, auto loan or rent payments.
Consumer complaint received 2018-12-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Flagstar Bank, National Association (NY)

In XXXX of 2018 I called my bank requesting a cancellation of my debit card due to unauthorized charges by a merchant i cancelled services with. The bank, in their response, asked me to go into my nearest branch and cancel the card and request a new card ( which would take about 7 days ). I went into my local branch to make the change and was told the card was cancelled and that a new card would be sent. In XXXX I was again received unauthorized charges to my card by the same merchant ; I then contacted my bank and alerted them to the problem and they claimed the teller never cancelled the old card and that it was still opened, even at that moment. The bank then told me that they were cancelling the card and that they would open an investigation on the merchant. I explained that at this point the issue was not with the merchant, but with them for not executing the cancellation, and that i wanted my money back. They complied and reversed the charges, then sent a letter confirming their actions. I just went into my account and saw, that again, they reversed the money originally taken out of my account, siding with the merchant, even though it was their error of not cancelling the card. I requested to speak to a manager or someone with higher authority to deal with this issue, yet they are sending me in circles without any resolve.