davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (CA)

On Wednesday, XX/XX/XXXX, at around XXXX PST I entered the Chase Bank at the address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX 

For some context, I have been banking with Chase since at least XXXX, and Im a person of XXXX on the XXXX XXXX. The incident Im complaining about is the second time something of this nature has happened to me since Ive moved to XXXX XXXX about a month ago. 

Just before walking in on XX/XX/XXXX, I could see the security guard through the glass doors eyeing me intensely. I was with my partner, and she had noticed the same. As soon as I had entered, this security guard approached me and was clearly suspicious of me. 

He stepped in front of me, as to block me from proceeding to the tellers, and asked me what I was there for. Shocked, I mentioned that I was there to withdraw cash. He insisted I use the ATM machines at the front of the bank. I complied. 

Shortly after trying to withdraw cash from the ATM machine, which was challenging to use, I noticed a white woman enter the bank. The security guard was very friendly and hospitable with her, in contrast how I was treated. 

As it was now clear to me that I was being discriminated against, I asked the security guard if I could see the tellers to help me withdraw the cash as using the ATM was too much of a challenge. I voiced my concern that this was the second time Ive now been treated poorly and with such suspicion in their bank. I was then allowed to see the tellers and resume withdrawing cash. 

I intended to call and follow up with this particular Chase Bank immediately after the incident, however, my partner and I have been beyond busy with preparing for a trip internationally. Therefore, I did not have any time to follow up and write a complaint letter to Chase Bank. In addition, being on the XXXX XXXX, I require the accommodation of additional time with my communications, and have been acting as promptly as I possibly can to complain to Chase Bank. I had left written complaints on their XXXX page and on XXXX, and have not since heard any response to those. 

Dealing with the discrimination, intimidation, and aggression from the security guard was highly stressful to me and was not justifiable. I am requesting a formal apology from this bank, and corrective action be taken towards the security guard who worked at that time and date at that bank.
Consumer complaint received 2020-11-03
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. (NM)

There is 2 XXXX  accounts that are showing on my credit report as paid and charged off and still reporting each month as a charge off and dropping my credit score monthly. These were included in a Bankruptcy that was done in XXXX. I spoke with a rep in XX/XX/XXXX and XX/XX/XXXX. I was told that the information would be updated and fixed. These have yet to be updated.
Consumer complaint received 2020-11-03
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. (MS)

MY INFORMATION WAS STOLEN AND ACCOUNTS OPENED IN MY NAME I HAVE ASK THESE COMPANYS TO REMOVE THESE ACCOUNTS THEY HAVE YET TO REMOVE THEM
Consumer complaint received 2024-08-30
Product: Credit reporting 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. (FL)

On XX/XX/year> I receive an alert stating I had applied for a line of credit through XXXX  XXXX bank I didnt apply for any credit this is fraudulent I reached out to Experian and also XXXX XXXXXXXX bank. This attempt to get credit is fraudulent. I did not authorize this inquiry
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : DEPTEDXXXX - XXXX DEPTEDXXXX - XXXX DEPTEDXXXX - XXXX DEPTEDXXXX - XXXX
Consumer complaint received 2020-11-03
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: Experian Information Solutions Inc. (NM)

I've submitted certified letters and documentations to the XXXX XXXX XXXX and the 3 major credit bureaus. I paid the 2 accounts and was told they would delete. Theses 2 accounts were charged off XX/XX/2018 and the creditor is reporting that I have 27 charge offs on my account. I was told by XXXX XXXX XXXX that I needed to send a letter to them to ask them to " delete my Consumer dispute '' and they would be able to fix. I sent letters and have not received a response. I've disputed them. XXXX and Experian show Paid and 27 charge offs, XXXX show no payment history. I've received numerous letters from XXXX XXXX XXXX stating they don't know what I am disputing. This is very conflicting with what answers I get. I am following everything the bureaus are asking as well as XXXX XXXX XXXX.
Consumer complaint received 2020-11-03
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 disputed a collection with Experian regarding ( XXXX XXXX XXXX ) several times. I even sent them documents directly from XXXX and they still updated the info. Every time I ask how they are able to update it, they just say the company stated that the debt is valid. The problem is I'm not disputing whether or not the debt is valid, I'm stating that failure to send the Rights to Cure before repo and the Notice of Sale post repo was a violation of my consumer rights.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (NM)

There is 2 CONNS accounts that are showing on my credit report as paid and charged off and still reporting each month as a charge off and dropping my credit score monthly. These were included in a Bankruptcy that was done in XXXX. I spoke with a rep in XX/XX/XXXX and XX/XX/XXXX. I was told that the information would be updated and fixed. These have yet to be updated.
Consumer complaint received 2020-11-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (TX)

My car was repossessed on XXXX of 2019 and I never received the Rights to Cure before repo nor The Notice of Sale post repo. This is a violation of he FCRA. I contacted Santander several times and they informed me that it was sent to the wrong address. I asked what address was on file and they gave me the correct one. I also asked them why they sent such important documents to incorrect address if the correct address was on file, and the rep stated she didn't know. The credit bureaus keep verifying the debt and updating Santander on my report. It is not the debt that i'm disputing, it is their business practice which violated my consumer rights.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 USC 1681.

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - BALANCE {$420.00} Account Name : XXXX XXXX XXXX XXXX XXXX - BALANCE {$3600.00} Account Name : XXXX/DOFED # XXXX - BALANCE {$2000.00} Account Name : XXXXDOFED # XXXX - BALANCE {$3500.00} Account Name : XXXX/DOFED # XXXX - BALANCE {$2000.00} Account Name : XXXX/DOFED # XXXX - BALANCE {$2000.00} Unauthorized inquiries 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-11-03
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. (NJ)

On XX/XX/20, I submitted a complaint to the identity theft.gov/consumer regarding the inaccurate information on my credit report. This has been the result of identity theft and has caused XXXX XXXX and turmoil for my family and myself. I would like this to be removed within 7 days from my credit report.
Consumer complaint received 2020-11-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

The bureaus not following the laws. They have not provided me with any of my investigation results nor have any changes made.. I have sent out several letters in regards to disputing matters upon my credit concerns.. Please help with assisting me with getting these matters resolved as soon as possible..
Consumer complaint received 2020-11-02
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. (CA)

These are not my accounts that I have inquired about. I have given my name by I.D . and it's not showing correctly on my credit which I think opened these accounts in my name. Please remove them.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I paid my bill in full on they have overcharged me in interest and fees. They refused to remove a 34.00 interest charge from my account. I paid my bill in full. They took away my rewards and my account has always been in good standing. I would like Bank of America to remove this fee from my account. They are going to report my account negative because I refuse to pay for this overcharge in fees.
Consumer complaint received 2020-11-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ARS National Services, Inc. (CA)

I filed a complaint on here a few weeks ago ARS NATIONAL SERVICES Inc and also had the CFPB send a copy to the original creditor XXXX XXXX XXXX XXXX. Ive gotten a response from chase stating they they are not the appropriate company to address this issue. In the letter frome ARS NATIONAL SERVICES Inc which was attached states the Chase is there CLIENT. Also ARS NATIONAL SERVICES Inc use lawsuit as a fear tatic and is perceived as a threat. In a response ARS STATES they have no control over the account which is funny why are you contacting me saying your is client chase and chase states its not there problem. Both ARS NATIONAL SERVICES Inc and XXXX XXXX XXXX XXXX  responses conflict with one another and is a direct violation of my rights using fear tactics and not one company addressed the situation. Lastly ARS NATIONAL SERVICES Inc said for me to contact them to discuss more info but how if you dont own the debt as stated.
Consumer complaint received 2020-11-03
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. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/2020 I purchased an item through lay-way from XXXX XXXX  on this date I made a payment of {$100.00}. Prior to the payment I made another payment completing the amount for the Merchandise which was on XX/XX/2020 in an amount of {$1100.00}. XXXX  XXXX  refunded me the total amount of {$1200.00} to my account on XX/XX/2020. My card had a hold on it due to the amount of money being refunded back to the card to verify if I made that purchase. When the hold was lifted I noticed the amount wasn't added to my card. I called to verify about the amount. Representative explained to me that the money was sent back to the merchant on XX/XX/2020 as adjustment debit, due the fact the card only had a limit of {$1000.00} for returns. I've followed up with both merchant an TD paycard services to resolve the issue of my money but I haven't been able to get a answer as to where my money is at.
Consumer complaint received 2020-11-03
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. (CA)

I XXXX XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated this account nor do I have a contract with your company ( XXXX, XXXX ). This item is fraudulent and needs to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.
Consumer complaint received 2020-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cuzco Capital Investment Management, LLC (TX)

I was texted by a phone number XXXX. I returned the call, there was an auto attendant that announced that there was pending matter in the office of XXXX XXXX with a representative of XXXX XXXX. I held for an operative. I received XXXX XXXX. I asked a few questions about who XXXX XXXX XXXX was. He reported that they were a, and claims processing agent for XXXX XXXX. He had my birthdate and my last four of the social security number. He was agitated that I was asking questions. He finally explained that he was calling for XXXX XXXX and there was an unpaid debt. I acknowledged that I had a previous account with XXXX XXXX with a XXXX Card. I explained that this was paid and that periodically there were debt collectors that called and tried to re-collect it again. I asked if he was a contractor or had he purchased a debt to collect. He said that they were a skip tracer engaged to learn if there was a case of action against me, which I take to be legal action and is a threat. 
I said that I was uncertain if this was a scam. He was incensed that I would think this and said that he made 400 calls a day and that everyone claimed it was a scam! I said that I didn't believe he could make 400 calls per day. He got angrier and said that most were hang ups, and went on to say that he had tried 4 numbers for me today. ( To clarify, I had received a previous text and call last week from I believe the same company, and they had reached my wife and my ex wife via text message. When I spoke to that representative, he hung up when I mentioned that I needed to know everything about him and the company to file a complaint with the FTC. ) I said that he was annoying my family and friends by making these calls on a paid debt. He was incensed again and said that I was combative and didn't want to cooperate so that he was going to recommend that they take action against me. 

I consider this to be combative and unusually aggressive. I have paid the debt, and I am not interested in sending proof, which verifies my personal information. I am not certain if these are these are scammers, or if they obtain this information and think that they can call unsuspecting individuals that don't know which debts they have paid, and get a few dollars out of them. I am not certain that they are a legitimate company, and if they are, they use aggressive and threatening tactics, even if there is no debt. 

The number that I received the text from today, XX/XX/2020 was XXXX. The previous call was from XXXX. 

Please reach out to this company and admonish them to follow the rules and not attempt to intimidate or threaten people. I am certain that if there ever is any legal action that it would be dismissed as there is not basis.
Consumer complaint received 2020-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

On or around XX/XX/XXXX I opened my online banking app with Bank of America upon opening the app i was immediately kicked out with a message that security had closed my account when i called Bank of America i was told my account was closed due to a business decision and was given no other information i had 3 deposits from lost wage program pandemic and employment that was deposited into one of my checking account at that time i asked about withdrawing that money as that was exempt money i was told that i would not be allowed to withdraw it and i would be melded check in 7 to 10 days business days if the funds were not allocated for overdrafts these or other charges i called again to Bank of America and was told by 2 different agents that i could go down and retrieve my funds at XXXX XXXX. in the morning to with draw. When i called to verify that i would be able to do this i was told once again i would not be able to access the funds nor would they be able to give me any information on the XXXX or the closure of the account. This is the only way I have to pay my bills I am on pandemic unemployment which is being taken by Bank of America and not return to me I'm getting addicted losing my car and I'm not able to get my medication out at the pharmacy all I want is a resolution I want my {$910.00} which is the amount that was deposited from the lost wage program and pandemic unemployment. This caused my line of credits, store credits, XXXX, XXXX returns.
Consumer complaint received 2020-11-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

On XX/XX/XXXX I filed a claim with my insurance company a pine tree had fallen on my home. The total claim was {$33000.00} worth of damage. Insurance company cut a check to me and my mortgage company XXXX. Thinking we would get a check for the whole amount back from XXXX to start my repairs. XXXX required documents from each contractor to be submitted, W-9, contractors waiver of lien, each contractors quote signed by both me as the homeowner but the contractor as well and a copy of the adjusters quote. I turned everything in as required. I finally on XX/XX/21 my first check was cut to fix my roof portion made out to me and the contractor. Once the roof was completed I had to get inspection. Ok completed. Now trying to get more money from them after back and forth XX/XX/21 another check was cut for my fence repair again made out to me and my contractor. Ok done. Here I am again 3 months after my initial claim and still can't get the rest of the money to fix the repairs to my home or any excess. I can understand protecting their investment with the roof of the house but nothing else is mortgaged the remainder of the money needs to be returned to me. I can't even fix my home. We pay for insurance for a reason we shouldn't be held hostiage from our money to make the repairs needed.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Equifax Credit Reporting Agency XXXX. XXXX  XXXX XXXX, Georgia XXXX XXXX : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 



USDOE/XXXX  {$46000.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) {$810.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$1000.00}