davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I was sued by investment retrievers for a debt that was not mine but was not able to afford a laywer so I lost. They have been attempting to collect the debt owed by a judgment. They have enforced it by seizing my property. The problem I have is there threats I know legally they can do this but I dont think they can tell me things like Ill have your CA state XXXX   lic. Revoked and youll be calling me back begging to pay your debt. They are very rude on the phone and have threatened my livelihood of me and my family. They have many times said they were going to do things to me that later on I find out they cant do. I just think its a shame that they have a judgment against me and they have to resort to theses tactics. Im a XXXX veteran with an XXXX XXXX and this is too much. I know they are enforcing a debt owed legally but can they really threating me with things they cant do and threaten me and my families livelihood.
Consumer complaint received 2018-05-03
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

Back in XX/XX/XXXX and XX/XX/XXXX I have attempted to communicate with Fifth Third Bank in regards to an inquiry made towards my XXXX credit report that was not authorized by me. I have advised Fifth Third several of times to send documentation that I authorized with my signature. This is a violation per FCRA regulations and if Fifth Third refuses to cooperate in this matter, I will have no other option but to file civil suit against this institution.
Consumer complaint received 2018-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I used XXXX within my Chase QuickPay app to pay to an email address of one of my contractors. When I sent the the payment, it was not received in the intended account that belongs to my contractor, but in some other account. When I then received a request from the same contractor with the same email account, the money did arrive at the correct account. Thus I had two transactions, one for {$130.00} that went to the wrong account and one of {$130.00} that went to the right account. I filed a claim with Chase, but they denied it because I initiated the transfer. When I tried to dispute it, I got the run around with their customer service.
Consumer complaint received 2018-08-16
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. (OH)

On XX/XX/XXXX. I received an update from XXXX XXXX that my transuion score had dropped a new " comment '' had been added to my account. When I logged on, I noted that my credit card opened in XX/XX/XXXX and in good standing had a note that stated it had been investigated and found to be reporting correctly. I had not requested this account to be investigated, it was perfect. I reached out immediately to Trans Union and spent over 25 min on the phone with them. The representative advised he would delete the comment and it would be updated in 48 hours. I never received any update, so I reached out again on XX/XX/XXXX and got another representative. She advised she could not find that account, I then asked for a supervisor and he was very rude to me and advised that I had probably asked for the wrong thing, however the item had been completely deleted. I was blown away. I asked if they could fix it since it was an error. He advised no we can't, we can take away but not add anything, well, you added the comment on an account that was not supposed to be investigated, then you deleted my account and its my problem. the supervisor advised that I would have to reach out to the bank card company and ask them to resend it over. I asked if I could have another supervisor and he said of course, he put me in cue and no one ever came after holding over 20 minutes I had to go. I then reached out to my credit card company and was advised ma'am, we have never had that request, the bureau should take care of that ... so here I am ...
Consumer complaint received 2023-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

On XX/XX/ i received a phone call from credit collection services located at XXXX XXXX XXXX XXXX, Ma XXXX, Phone number ( XXXX ) XXXX, Account # XXXX, this credit collection services, has violated the Fair debt collection Practices Act, by refusing to provide me with any information about this so called debt that they kept reporting to all three credit agencies, the information was not provided in a initial notice and sent as the initial notice as the initial communication to me or within five days of their first communication with me nor was it mailed or electronically to me. i am in the State Of Florida, so i sent the collection services an Validation Letter to provide the listing and the information for the debt, they received my letter on XX/XX/XXXXXXXX XXXX XXXXXXXX this collection service refuse to provide the required information within 30 Days, and refuse to provide letter stating that they will not be inquiring and reporting on my credit, this collection services has violated this act, and now they have refused to answer or give the proper documentation, the tracking for the letter that was sent to then was signed for by them. USPS tracking number XXXX please check this.
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (IL)

I checked my credit report today and noticed that on XX/XX/2017, a collection was placed on my credit cable company XXXX. 

I currently have active service with XXXX and have never defaulted on my account. I was contacted about a year ago about having multiple services in my name including services in other states and different parts of town. 

Apparently my identity and likeness has been used to secure services in other locations.
Consumer complaint received 2018-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Used Atm for a withdrawal of {$400.00} ( 4 ) {$100.00} currency Bill 's but received ( 2 ) {$100.00} currency bills and ( 2 ) {$5.00} currency bills. Held up to camera and went straight into the bank to recover correct amount. They have me a temporary credit of {$190.00} but 2 weeks later took it back.
Consumer complaint received 2018-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

Today ( XX/XX/2018 ) I called chase bank in regards to mine and my husbands joint account. Our debit cards were declining and my husband was not able to access his bank information through his phone. They informed me that our account had been restricted and that they decided to end their relationship with my husband. No reason given, in fact we were told they did not need/have to disclose that information. Were supposed to call them back tomorrow when the banks are open so they can approve or not approve the branch to release our funds to us. My husband is in the military and this is not our idea of customer/military care!
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC. (LA)

This debt collection agency is abusive and verbally aggressive. They will not cease their endless tactics if trying to collect a debt which they have not validated. This company AFNI, appears on my XXXX report and they refuse to remove it, validate it or cease calling.
Consumer complaint received 2020-10-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (TX)

Pursuant to complaint Number XXXX filed with the CFPB to which Wells Fargo responded that they need more time to provide a more thorough response ... I am attaching this complaint and response as well as a letter received by myself from Wells Fargo Bank dated XX/XX/2020 stating the same that Wells Fargo Bank needs more time which is reasonable ... I ask Wells Fargo to look into ways their policies and practices can be deceptive to bank account holders as well as serious mistakes made as evidenced by my own awful experiences with Wells Fargo Bank ...
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX will not answer the phone or will not route it. 

They sent me out an information form and didn't respond to my request to show that the student loan WAS PAID off and the student loan said GOOD STANDING. 

There are many remarks online about getting a number to actually contact XXXX. 

They try to sell me stuff EVERY DAY, but can't take the time to delete this loan, and in good standing.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-10-09
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: JPMORGAN CHASE & CO. (CA)

There is a Chase Mastercard account reporting on XXXX and XXXX  that is not mine. I was not liable on this account and was only an authorized user. I've tried to contact Chase and they were unable to locate this account.
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (KY)

Synchrony/JCP lowered my available credit without any knowledge to me or consent by me. I have been a cardholder over 8 years. I have never had a late payment. They did not call, email, or mail a letter pertaining. They have no idea what my scenario is as to why i have not used my card. Were they aware that the store in my town closed and that prior to closing it was a disaster to go to making it not worth my whole. Were they aware that i am an essential worker working all thru covid with little free time to be able to shop in another town or even online? Basically, they do not care about me as a consumer, and because of that, they have annihilated my credit score by 46 points ; this is detrimental to my credit, and i am in the process of refinancing my home. Because of this and my what-was beautiful credit score of  well over XXXX, i can not do so now.
Consumer complaint received 2020-09-14
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: JPMORGAN CHASE & CO. (TN)

My chase credit card was stolen on XX/XX/2020 and used in person ( actual physical chip ) at XXXX near my house to purchase two prepaid visa gift cards. The transaction was not flagged as suspicious despite this not being a typical charge I would make, my card not being signed on the back, and a tall white male using the card whilst I am a female. It is my belief that the card was returned to my possession so as not to alert me that it had been stolen. This tactic worked, because I was none the wiser and used the card several times after this fraudulent transaction. I noticed the charge on my mobile banking app a few days later, and immediately called Chase to report it. I thought at the time, that it had been hacked. They refunded the amount and I thought the case was closed. About one month later, the charge was re-billed. I contacted chase card services and was told that an investigation revealed that it was not fraudulent. I then contacted the merchant through which the charge was made, and they pulled video footage from the date and time the purchase was made. A person who is not me was clearly seen making this transaction. I called the police at that time and made a formal report claiming that my card was used without my consent by this person. I then told the police that I suspected it was a local man with which I had gone to high school with and had known criminal history. The detective assigned to the case informed me that he shared my suspicions and that this person would be charged with theft and identity theft. Chase card services has been nothing but rude and ruthless in their denials of my fraud claims, ultimately ruling five times that this credit card transaction was NOT fraudulent and I am responsible for it.
Consumer complaint received 2018-08-16
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)

THIS IS MY SECOND TIME CONTACTING YOU ALL REGARDING THIS ISSUE. Incorrect and inaccurate information is being furnished on my credit report. I do not owe XXXX XXXX nor do I have an outstanding balance with them. see attachment as proof of inaccurate information
Consumer complaint received 2020-09-14
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. (CA)

I applied for a XXXX  credit card a few weeks ago and today XX/XX/20 I received a letter in the mail stating that the reason I was not approved for the credit card is because there are accounts in negative standing appearing on my credit. I didn't know what accounts they were referring to as I looked through my credit report and I saw two accounts that are not mine. The account names are XXXX XXXX XXXX and XXXX XXXX XXXX. Neither of those accounts belong to me ; I did not open them and I did not give anyone permission to open them in my name. I do not have any type of written or verbal contract with those companies nor did I benefit anything as a result of those accounts being open in my name such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I have already filed a complaint with the Consumer Financial Protection Bureau as well as a police report.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (PA)

My XXXX  from XXXX has been getting deposited on Relia card since XX/XX/XXXX. I had no problems using the card until XX/XX/XXXX. Relia card locked my account and asked me to fax documents proving my identity. I faxed all the documents they asked for except my XXXX tax return. The reason that was not faxed was because it was done online as just a non working tax return. This complaint is very urgent due to the fact that i have no money to live. I am about to be evicted due to relia card not allowing me to access my money. I have tried to get XXXX to deposit my money into my checking account but they keep putting my money on this Relia card which has unlawfully locked my money. They have a horrible customer service. Please i do not want to have to pay for a lawyer to allow me to access my own funds. At this point i feel they are stealing my money. There is no fraud i couldnt remember my password to sign into their mobile app so i tried over three times amd they locked it. Like i said this is very urgent i get this fixed. I have called their customer service everyday to try and get this resolved. Please let me access my money from XXXX. That relia card is a horrible pre paid card i just want what is rightfully mine.
Consumer complaint received 2018-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On or about XX/XX/XXXX Wells Fargo made a loan with my wife and I in the amount of {$680000.00} - the loan was a predatory loan as well as a non-principal interest only loan. After several request and with legal assistance - I was able to get a loan modification. However I receive a Step - Rate Loan Modification. This type of loan is designed for the borrower to fail. Because the interest rate continues to adjust and the principal never reduces allowing the borrower to create equity in the home. The step rate mortgage is primarily targeted toward XXXX XXXX  Borrowers. I eventually sued Wells Fargo Home Mortgage for violation of the Homeowners Bill of Rights on or around XX/XX/XXXX. And we settled. 

The settlement agreement included the reentry of the loan modification process and review. I had until XX/XX/XXXX to get all requested documents into Wells Fargo. All documents for review was submitted and received on XX/XX/XXXX. On XX/XX/XXXX - a Trustee Sales Date was posted on my home and primary residence. The Notice of Trustee Sale was delivered to my Neighbor. And I believe this was done deliberately to embarrass me and my family. Also I did not receive a Certified Copy that requires a Signature to receive the Notice of Trustee Sale. This is a violation of the Home Owners Bill of Rights. Wells Fargo Violated the Stipulated Agreement made from the lawsuit Settlement - to allow me to seek mortgage assistance by submitting a RMA Package and my financials to be review for mortgage assistance. Instead they decided to move forward with the process to foreclosure on my primary residence - by egregious over zealously attempting to embarrass me and my family.

Wells Fargo is a Predatory Lending and Banking Institution. And their predatory lending practices hurt XXXX XXXX the most. Why? Because - XXXX XXXX are targeted the most toward Predatory Lending and Red Lining. 

I am a XXXX XXXX  Service Connected XXXX Veteran - Branch of Service ( XXXX ). And I did not ask nor did I deserve to receive a loan that is designed for the borrower to fail. Wells Fargo Step Rate Mortgage Loan Modification is a Predatory Loan. And, Wells Fargo Home Mortgage - XXXX XXXX - Customers receive Predatory Loans the most.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2020-09-14
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. (TX)

THESE ACCOUNTS LISTED ARE NOT MY ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THESE ACCOUNTS WAS OPEN UP FRAUDULENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

SUMMARY : 1 ) XXXX XXXX XXXX XXXX continues to ignore and report accurate reporting on my credit files at XXXX, Equifax and XXXX. Over 45 days have passed since they have received the insurance check and the balance was mostly paid off. 

2 ) XXXX XXXX XXXX XXXX Refuses to acknowledge there was a payment arrangement made in XX/XX/XXXX causing them to refuse to acknowledge this information to a gap lender, who said they reopen the investigation from the crash and potentially pay off the gap or {$900.00} and some dollars needed. 

CAUSES : 1 ) in early XX/XX/XXXX, a payment arrangement was made with XXXX to catch up the missed payments 2 ) on XX/XX/XXXX, the vehicle was in an accident and was totalled 3 )  XX/XX/XXXX, XXXX XXXX pays XXXX over {$16000.00} towards the {$17000.00} balance. 
4 ) In later XX/XX/XXXX, the Gap insurance company closes the file with no payment a ) I called to argue with them and was told I could get a partial refund on the premiums b ) I was informed they closed the case because XXXX informed them there was no arrangements made on the late payments. ( AUDIO RECORDINGS EXIST. I was also informed that if XXXX would acknowledge to the GAP insurance company that an arrangement was made, they would reopen the file and potentially pay the " GAP '' 5 ) XXXX  total loss department was called again and XXXX argued that no such arrangement was made and he refused to look into it. 
6 ) XXXX  total loss department call involves XXXX. She acknowledge that a call was placed in early XX/XX/XXXX with the collections department, but couldn't confirm what the conversation was about. 
7 ) XXXX more conversations were held with XXXX about the Credit reflecting that the balance reporting still shows $ XXXX+. I demanded to have XXXX properly update the information on several occasions 8 ) More calls were placed to other department to XXXX XXXX XXXX XXXX about them inaccurately reporting on my credit files. Was told there was nothing they could do about it. 
9 ) XX/XX/XXXX, the credit files are still in violation of US code 15, 1681 and are being inaccurately reported, despite the fact XXXX received payment for the vehicle. 

Considering that XXXX XXXX has a history of lying, steeling and cheating people out of money, I wouldn't put it past them to treat my circumstance no differently ; whereas, they practice an operation that has shown to be illegal. I guess they think they are exempt from following the rules and the LAW. 

I want them to confirm with the GAP insurance company that an arrangement was made so that the balance can be paid in full, as well as to get their butts moving and fix my credit report immediately! ( 45 days have past and they still haven't followed the letter of the law ). 


CONTACT : XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX