davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX of 2022. I deposited a check in the amount of {$500.00} from the XXXX XXXX. This is the second check that I have deposited into this Chase account from the XXXX XXXX. Immediately after the check clears and having to wait 14 to 21 business days, I received a notification that my account had been frozen and it Chase will be closing my account and they no longer wish to do business with me. They proceeded to close my account however never issued my check for the remaining {$500.00} it still sits within the account. I close the account and the funds are still there and all I keep getting is runaround about a verification. Im getting very frustrated please help Ive tried on many occasions to resolve this with Chase and they simply told me that they will hold it for the maximum allowed years and send it to the state comptroller when its necessary thats ridiculous. I finally received a statement from Chase and noticed it on XX/XX/XXXX. It states that Chase cut a check for the remaining {$500.00} in his holding it is this even legal
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Medical Data Systems, Inc. (SC)

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX # # # # # XXXX XXXX Medical Data Systems both violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the NO SURPRISE ACT, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX is placing extra accounts on my credit report and reporting a accounts that are not validated with notarized documents. I have requested notarized copy of information and these accounts are no legit. However, they refuse to do so and the credit agencies are reporting this information, so both will be suited. By the attorney that sued XXXX for XXXX XXXX dollars. This case was win in Oregon! Since the credit agencies want to support information that is not true and even when you have shared documentation with them. 

I have retain a attorney at this point and would like the all documents support this debt, so they name can be introduced into the LAW SUIT. Credit Act states I have the right to know the following : 1. Who was involved in this investigation names, telephones numbers, of each person involved in the procedure.

2. Provide dates and times for the investigation 3. A description of the procedure used to determine this accuracy. 

XXXX is already in deep legal issues when it come to this account as XXXX and XXXX have created acts of forgery.
Consumer complaint received 2019-07-01
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)

Experian is reporting a duplicate collection in the amount of {$140.00} for the XXXX XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This incorrect reporting is harming my credit score and is a violation of the Fair Credit Reporting Act. Please remove this line item from my credit report.
Consumer complaint received 2019-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc. (AZ)

According to the National Consumer Assistance Plan, credit reporting agencies are supposed to only report collection accounts that were created via a contract. I do not have a contract with the collections company that is trying to collect collect a debt from me. I mailed them the template collections letter that this website provides, and the section from the NCAP that specifically states that credit reporting agencies shall not allow collection furnishers to report debt that did not arise from a contract. Please refer to pages 11-12 of  the NCAP because it corroborates the policy set in place that I am talking about. Thank you!
Consumer complaint received 2019-09-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION (NY)

We are attending court tomorrow ( XX/XX/19 ) on a order to show cause. Wilmington Bank vs. XXXX XXXX. XXXX County Court House, XXXX. Wilmington Bank is claiming that they bought a note of my property from XXXX XXXX XXXX. Wilmington Bank filed a foreclosure proceeding. To my recollection the loan on the property was paid off years ago.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MA)

When I received my XXXX statement from Chase for Visa ending in XXXX I noticed 9 fraudulent charges dated XX/XX/XXXX and XX/XX/XXXX totaling {$410.00}. Eight of these charges were to XXXX XXXX and one was to XXXX seller repay. 
I contacted Chase to report the fraudulent charges. My credit card was canceled to stop further use, I was issued a new card with a new account number and the fraudulent charges were removed from my account. 
I then received a letter from the Fraud Department dated XX/XX/XXXX stating that after an investigation into the unauthorized charges they had determined that the charges were not fraudulent and were being added back to my account. The reason given for each of the 9 charges was You received benefit from this transaction. 
After receipt of this letter I telephoned the Fraud Department and spoke to XXXX insisting that the charges were, in fact, fraudulent. I was told that a second investigation would be launched and XXXX assured me that he would call me the following week. XXXX did not, as far as I can tell, ever try to contact me. 
I then received a letter dated XX/XX/XXXX from XXXX, Sr. Specialist II, stating that the second investigation confirms the previous findings that the transaction is valid. 
I am appealing this decision. 
I have filed a police report. 
I am filing a complaint with the Consumer Financial Protection Bureau. 
I would like my account closed immediately as I no longer wish to do business with Chase.
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear Sir/Madam, In summary, I have disputed a charge on my credit card, placed by a vendor in Italy ( XXXX XXXX XXXX ) which charge me XXXX EURO. I disputed the charge with Capital One immediately, but the dispute was denied due to forged documentation the merchant had submitted. He submitted the following : - A credit card authorization for my Capital One credit card that I had never seen or signed, but the merchant forged my signature on the credit card authorization - a forged and completely made up invoice for services and charges that was never ordered, delivered or received - added my XXXX XXXX credit card number to a document that I had signed previously for the return of rental cars, however that credit card was added AFTER I had signed the document. He claimed that the security deposit was charged this credit card, even though there is no record of that and in addition, the merchant previously claimed that he does not at all accept XXXX XXXX ( all documented in the email thread with the merchant ) Furthermore, the merchant also claimed that I had personally visited his agency in XXXX, which I never did since all bookings with the company went via XXXX XXXX XXXX XXXX in XXXX, via email Any charged I had with XXXX XXXX XXXX in XXXX and or XXXX XXXX XXXX XXXX in XXXX were paid in full per below : Total Rental Charge : XXXX EURO ( see enclosed contract ) Paid : XXXX EURO with XXXX XXXX ( statement attached ) Paid : XXXX EURO with Visa Card ( XXXX XXXX XXXX statement attached ) At the time of the actual services in this case a luxury car rental for 2 cars, a XXXX EURO deposit was placed on my credit card, to be fully refunded upon return of the cars. Both cars were returned in perfect condition and the refund was due : Deposit 1 : XXXX EURO placed on XXXX XXXX - this was actually refunded Deposit 2 : XXXX EURO placed on Capital One credit card. This was never refunded, but rather charged in full with the forged documents provided by the merchant to the credit card company.

This is fraud by every legal definition. However, Capital One has not considered all the detailed documentation I had submitted, from credit card statements, rental contract with XXXX XXXX XXXX XXXX, entire email threads with these companies and even XXXX XXXX with the merchant XXXX XXXX directly.

Capital One has left me to fight this out with a clearly criminal merchant, rather than resolving the dispute on my behalf as their customer.

In addition, I had almost weekly call with Capital One 's Dispute Call Center, yet every time I spoke to a different agent and every time the instruction was different, anywhere from having to submit more information to do nothing and wait since the dipute is coming my way anyway.

I greatly appreciate your help and assistance in this matter.

Best regards and thank you, XXXX XXXX
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Amsher Collection Services, Inc. (NY)

Disputed Account : AMSHER COLLECTION SERVICES, Account Number XXXX I noticed an unrecognized account on my credit report while doing a cursory review of this years credit reports on XX/XX/XXXX. The collection company above has an erroneous debt associated with my account in the amount of {$150.00}, from XX/XX/XXXX. I do not know what the source of this debt is. I can tell you that I XXXX XXXX XXXX just shortly before XX/XX/XXXX and requested an XXXX deferment of my federal student loans from my loan provider, XXXX, that month. That deferment request was granted and my account on their website does not show any missed payments or any need for a payment until XX/XX/XXXX.
Consumer complaint received 2022-12-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NJ)

My mom was contacted by someone pretending to be a XXXX XXXX XXXXXXXX on XX/XX/XXXX. He said she was involved in a XXXX XXXX XXXX  and she needed to send then money to clear her name. Over the course of a month she began transferring them money via wire with the first one dating XXXX for XXXX, the next XXXX for XXXX, the next XX/XX/XXXX for XXXX and the last amount XX/XX/XXXX for XXXX. They said they were going to transfer the money back but have cease all comtact.
Consumer complaint received 2022-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (TX)

The account was made under my identity without me knowing around XXXX. The account was closed by the person who opened the account in the first place around XXXX, without paying them the last billing amount. I did not authorize any of these actions at all and would like this to be resolved. I know the person who is responsible and would be willing to give their phone number and address
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (AZ)

In XX/XX/2022, I paid off my credit card balance with Comenity Bank, however, they have refused to update my credit reports with the {$0.00} balance. Instead, the reports all still show a balance owed on the account. I have requested that Comenity Bank update the credit report balance, but they have been non-compliant. The canned response is that " Because of a recent system upgrade, we have chosen not to report account updates to credit bureaus at this time ... '', but that they " expect to provide an update to the credit reporting agencies within XXXX billing cycles. '' It's been XXXX months and they still haven't updated their reporting.
Consumer complaint received 2018-12-28
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: Experian Information Solutions Inc. (TX)

Hello, I have 2 Complaints regarding the problems that i'm recently facing with the 2 reputed credit bureau 's XXXX and Experian but this specific complaint is directed towards Experian.

I was planning to buy a car recently and finance it through a bank/ credit union so i reached out to the respective financial institutions to apply for a auto loan and they did a hard inquiry on my credit report through Experian but they were not able to see anything ( this happened twice with 2 different credit unions ) but when i tried to check my Experian credit score on XXXX and XXXX i was able to see the credit scores from 2 bureaus ( Experian and XXXX ) perfectly fine so i tried to reach out to Experian customer support almost 30 times from the past 10 days so check why i was able to see my credit report while others were not able to, and there was no clear response from their side and all the representatives who spoke to me said that they were able to access my credit report but when i asked them why other people were not able to access anything when they ran a hard inquiry on me they were not able to answer anything So i humbly request you to help me with this situation because i won't have a good future in this country if no one gives me a loan just because of this reporting problem with a credit bureau so i request you to assist me in solving this problem as soon as possible.

I have one more doubt apart from this, the name on my Social Security Card ( XXXX XXXX XXXX XXXX ) is different from the name on my Credit Card ( XXXX XXXX ) which i generally use so i'm suspecting if the difference in name would cause some problem, please give me further insights in this issue as well.

Will be waiting for your Response.

Thank you, XXXX
Consumer complaint received 2018-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OK)

I read that you successfully sued Ocwen Mortgage yet they are still using the same tactics. My loan was sold over and over during the housing crash of XX/XX/2008. I can not remember the name of the company that sold out and gave my loan to Ocwen. The previous company and Ocwen, will not stop these late fees from being on my account. Now they no longer will allow me to pay my mortgage payment without charging me because they put that I owe {$2000.00} in fees due to them never allowing me to change date my loan payment which was originated with another mortgage company. I have been charged at least {$7.00} a month for years to make a payment! Ridiculous. They will not modify the date. My husband was seriously injured in XX/XX/2010 and is now XXXX   XXXX. I could not make the payment on the 1st of each month, I had to wait until I got paid at the end of the month and so they added even more late fees. You can not win for losing with this company. Everything you sued them for they are still doing. I did not get any compensation or letter from Ocwen about the lawsuit with your company. I do not understand how they are allowed to do what they do to consumers because it is so criminal and appalling. Due to my husband 's injury it ruined our credit and I can not find another company to service the loan, unfortunately.
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I requested a free credit report on XX/XX/2018. Have not received as of XX/XX/XXXX. I called Equifax on XX/XX/XXXX and spoke with 4 people over about 75 minutes. My question was simple - what is the status of my request for a copy of the report.

All I got as the run around and long times on hold. They asked for some type of confirmation number, outstanding balance on specific credit accounts, minimum payment on specific credit accounts, etc. I repeatedly told them I did not have the information available and that I was not asking about any information in my file. I told them I did not understand how they were protecting my information by refusing to tell me the status of my request.
Consumer complaint received 2018-12-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (NC)

I was contacted by Williams and Fudge Inc about a debt that I owed to XXXX University. I was told that I could settle the debt of XXXX for half XXXX. I made a payment of 2000.00 on XX/XX/XXXX and it was processed on the XX/XX/XXXX. I made the additional payment of XXXX on the XX/XX/XXXX and it was processed on the XX/XX/XXXX. I was told that I would receive a written statement that my account had been settled. Today on XX/XX/XXXX I was told that the second payment of XXXX was not received and it was returned and I would have to pay it again. I reached out to the bank the card was from and they provided me with documentation showing that they still had the payment and it was not returned. When I spoke with the company the person I spoke with did not give me any reliable information, she told me that she saw I spoke with a person and made the payment for the remaining balance but it was not there and she didn't tell me who to speak with or explain to me how or what happened. The only thing she told me was I would have to pay the additional amount for it to be settled. I have attached the account balance showing the XXXX I paid from there site, the XXXX payment from my bank when it was made and when it was posted, along with the original email when the settlement was established.
Consumer complaint received 2018-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NC)

A few days ago, a collection agency named XXXX XXXX XXXX reported a {$4800.00} collection account on my credit report. I have not idea what this is, and never received a notice of my right to dispute, prior to the account being reported on my credit file. THis is a violation of my rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2019-09-03
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: EQUIFAX, INC. (KY)

A company is reporting that I owe them for service, however I did not request their services. 
Equifax removed this item. 
The company sold this bogus account to a collection company. 
Now Equifax has not removed. 
I did not request or receive their services!
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Hi there is a long list of Student loan debt, Ive no knowledge of these debts that was intent to do fraud, Misrepresentation of giving a false,, misleading accounts. I need thes accounts verified with my signature of these fraudulent debts
Consumer complaint received 2019-09-03
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. (TX)

I contacted Experian via mail in regards to some errors of unverified information on my credit report and I asked them to verify the accounts because by law they are not suppose to report things they can't verify. I have tried to get this information from them for months now and they keep sending me back papers documenting " accounts remains '' without any type of proof or explanation. I have been a victim of identity theft and the other credit bureaus have removed these accounts but Experian continues to report incorrect information. They are even reporting duplicate accounts just to get money Experian is committing fraud acts and its ruining my life.The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate account against the law ) XXXX  XXXX XXXX XXXX  XXXX XXXX ( duplicate account against the law XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (MN)

I have requested that synchrony bank close my account months ago and on numerous occasions. I've even gone to the extent of explaining that I need the account closed immediately and a verification letter stating that the account is closed so that I can be awarded Vet and SSI benefits. Everytime I speak with one of their representatives they have some excuse or they tell me my checks are in the mail and then they never come. I have verified my address and other info way too many times to count. They have been not only dishonest but unethical in cancelling my requests, sending multiple notices stating that my address has been updated instead of my refund check and cancellation letter. They have even went as far as changing the phone number and address on my online account and locking it so that I don't have any access to get to my funds and transfer them out of the account. I am fed up with their lies and dishonest and my next step is to seek out legal action. What they are doing is unethical and illegal.