davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (FL)

The bank I am filing a complaint against is Chase Bank. 

I opened a checking account in early XXXX to setup and capitalize on a promo they had with new checking accounts. All of a sudden ALL my accounts were locked and I was unable to access any of them. I call to find out what happened and they told me it was flagged for fraud and they closed my checking account. I was fine with that, I can open one in person if I needed to. THE ISSUE is I can not access ANY of my accounts anymore cause of the fraud lock. I have called them MULTIPLE times over the last couple weeks and get transferred around multiple times waiting on hold for over 45 minutes each time. XXXX XXXX XXXX  XXXX. They need to hire more people or have other options of fixing this & at least tell me how. I've wasted countless hours on hold for these idiots till my cell phone dies or I just have to go cause I have a family to attend to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AR)

XXXX  loan was transferred to XXXX. According to stipulations of class action lawsuit against XXXX, XXXX should have cancelled my student aide debt and removed from credit report instead of transferring amount to XXXX! 

I qualify for loan forgiveness and removal of loan information from credit report due to the XXXX class action law suit settlement. I was pushed to forbearance for many years and was never properly counseled regarding income based repayment plans upon multiple calls to XXXX. A total of {$9000.00} plus of student loans should be forgiven and removed from my credit history due to XXXX 's predatory practices. " The 39 state attorneys general involved in the settlement said XXXX, formerly known as XXXX XXXX, steered struggling student loan borrowers into costly long-term forbearance plans instead of counseling them about the benefits of more affordable income-driven repayment plans. The interest that accrued because of XXXX practices was added to the borrowers loan balances, pushing borrowers further into debt. ''
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (NY)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.Equifax is governed by 15 USC 1681 , and they violated my rights numerous times. I demand the accounts under 15 USC 1681 listed below be removed. According to 15 USC 1681 ; I have the right to privacy and Idid not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
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. (IN)

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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX Networks : last XXXX of the account number # XXXX. On XX/XX/XXXX I XXXX XXXX about XXXX am called XXXX bank [ Phone Number XXXX ] talked to customer service representative XXXX XXXX and he advised me there was no account or account number ending in XXXX for the amount of {$3600.00} and a credit limit of {$1700.00}. So i couldnt provide you guys with a complete account number if there isnt an account that exist. XXXX XXXX also stated that everything was be recorded. So you guys will have record of that also. The account was supposedly opened on XX/XX/XXXX. According to XXXX XXXX XXXX ( XXXX ) they are suppose to modify accounts that isn't reporting correctly. XXXX XXXX XXXX section XXXX A. XXXX 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2022-01-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). Capital One Auto and Capital One is a inaccurate account on my credit file and is not mine.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. ()

I had to file a Consumer Proposal ( Orderly Payment of Debt ) under the bankruptcy act here in XXXX. When I did that, I found 5 credit cards opened fraudulently in my name. 2 from Chase Bank, 2 from XXXX, and 1 from XXXX totaling {$25000.00}. When I saw all that the Consumer Proposal was paying out ( from my credit report ), I realized that these were not mine- I never opened them, I never used them. I contact the banks immediately, asked for the application - I was ignored. I reported them to : https : //www.identitytheft.gov/ and have been following their program with the letter templates they provide- I was ignored. My Consumer Proposal paid them already. They don't care that I have paid {$25000.00} that I should not have had to. But they won't respond to me at all. I am the victim of a crime and no one seems to care. I don't know what to do. Identify Theft listed this as the next step.
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (NY)

The bank locks me out of my account for putting in proper login information and password. When there website continues to crash and not accept the login token because its not compatible with XXXX or XXXX. When you get sent the sms text the web browser crashes. Then I repeated this three times and the website kept crashing When thru the website reset process. It required me to login, put the account password, enter my social security number and then my debit card number and pin number. The website had all the correct information and i am still being locked out by the M and T Bank. 

When I called customer service. I got a rude male representative who was not willing to go thru the steps to unlock my account and demanded to have some sort of power control over me. By accusing me of things that where not true. Then he wanted me to acknowledge him in a power control way and when I repeated to him are you going to help me unlock my account or not her refused several times.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, 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. (OH)

On XX/XX/22 I received a notification from Experian that XXXX XXXX XXXX made a hard inquiry on my credit report. I Did not apply for credit, I did not authorize this inquiry nor do I have any reason for any company to be accessing my report. After some research online to try to find out who this company is, it seems they are a scam company and no proof found anywhere that a real company by this name exists. Attempted to call # listed on inquiry and doesnt work. XXXX  address and no business there. There are multiple reports online and at the XXXX where other people state they have had the same thing happen to them and have received calls trying to obtain information and money from them. I contacted Experian to have it removed and they refused but did add a fraud alert and froze my credit. Oddly/coincidentally, this same day I received about 6 calls for a person whom I do not know and is not me.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

XXXX  years ago my ex boyfriend cosigned on a Best Buy CBNA credit card for me. When we broke up he said he was going to close the account so I the account so I cut up the card.. Needless to say he never closed the account and hes using the card and it's affecting my credit and I can not seem to get my name off of this, I can't even talk to anyone at Best Buy credit without knowing the account number and my ex 's social security number and I have no way of reaching him Or the account number... Please help me if you can
Consumer complaint received 2022-09-02
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. (GA)

This is my several attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (GA)

Chase has failed to contact me to discuss the situation at hand and the documentation I have. Through the portal, I received a " pattern letter '' response without any basis on their denial of promotional benefits. 

I am very upset and frustrated by the lack of customer focus and their willingness to support and help me. The responses are swift but lack any basis and/or due diligence on their part. 

They are not taking any responsibility for the mis-information received. 

Please review the generic response as it failed to address my core issues and how their process created detrimental reliance.
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Report Act XXXX  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 cannont furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2016-09-15
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

My niece made a check out to me for a service my husband did for my sister at her home. I went to chase bank in XXXX, CA and they wanted to charge me {$8.00} to cash the check ... it is from their bank. What 's up with these people? I do n't understand, but I will be letting all my friends to be careful about doing business with them.
Consumer complaint received 2021-01-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation (FL)

A check was sent to Avant on XX/XX/XXXX to payoff loan. Avant- cashed the check in XX/XX/XXXX. They have not credited my account as of XX/XX/XXXX and refuse to track down check.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (GA)

I applied for a REFI with Amerisave back in XX/XX/XXXX. I have answered all the questions, provided all the information ask for, filled out all the forms, signed and sent them XXXX dollars of ernest money. The process just keeps dragging on with new excuses and asking for repeated forms to be signed. It is now XX/XX/XXXX and I have tried several times to get answers from them about updates on my progress and have gotten no response with information. Can you please help? Thanks
Consumer complaint received 2021-01-20
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. (DC)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ) showed up on my credit report in CHARGE OFF status. 

1. This account is fraudulent. 
2. I have never opened this account. 
3. I have never given given permission for someone to use my information to open this account. 
4. The credit reporting agencies have not removed this account from my records and restored my perfect credit, even though I have reported it. 
5. One agency had a current telephone number listed as XXXX which does not belong to me. 
6. I did a XXXX XXXX Search and someone has stolen my identity. 
7. Please see attachment.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: McKenzie Paul & Associates (TX)

I have made several requests to obtain debt repayment contracts from McKenzie Paul & Associates. They have not provided me with a SIGNED and dated contract between myself and McKenzie Paul & Associates. I have sent correspondence to this establishment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have since sent a response stating they can not substantiate the allegations of my dispute and to provide name, address, phone number, etc., for validation. This is a ruse to hold this account illegally to my credit profile. This company has all of my information because it is posted on my credit report. They still have not provided me with the documents I've requested.
Consumer complaint received 2021-01-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Revolut Technologies Inc. (CA)

Im restricted from using or closing my account. I have provided identify verification documents. My account has been in review for weeks and months. They wouldn't do anything. They wouldn't close my account or remove restrictions on my account. They violate many rules in their US operation. They say they are bound by XXXX  rules, and they don't care about US laws
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (CA)

On XX/XX/XXXX I called EdFinancial and asked for refund for my payments made during COVID which totaled to around {$1000.00}. After a 2 hour wait, they told me they could process it but I'd need to wait 150 days. I asked how that effect the forgiveness and was told that they have no idea and if I'd like, I can cancel the refund but they couldn't guarantee that my forgiveness would cover the correct loan amount. My husband also called his loan provider and was given only a 2 week turnaround, with the correct loan balance being shown already in his account. Edfinancial purposely makes things difficult for borrowers. They told me I can keep calling and asking for updates but why would I want to wait on hold for 2 hours to speak to someone with an attitude who clearly doesn't know what they're talking about. To ensure I don't have difficulty come time for applying for forgiveness, I would like EdFinancial to to reinstate my balance to reflect the balance that would be forgiven ( current balance + what would be refunded to me ). Other loan providers are doing it and doing it with better customer service a lot quicker. Edfinancial feels like a scam company.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I check my credit report and seen some unauthorized inquiries. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank held an settlement check of mine totaling to {$5200.00} and now has closed my account. Holding the funds for up to two years because they don't plan on returning the check to me nor the issuer, then releasing it to the state. At which point I'd have to file an unclaimed funds case! This should be illegal and stopped. Why can't they from the jump flag the check and not process it? They continued to process the check even though they flagged it and place a hold on the check the same day it was deposited. It cleared the next day but because they can't call the number of the business/the issuer because of some third-party verification system they have can't verify the issuer phone number as being a legal business, they put a restriction on my account. Now XXXX is just sitting there. They had me forward them my documents of me signing my settlement, email and going to the branch for 4 hours to show them paper work ( that they asked me to bring in ) to say its still not enough. Ive spoken with 24 different reps and they all say different things, one says XXXX ( the creator of the check ) can goto the chase branch and show two forms of id and a form showing he owns the business, that was a lie. I thought that Chase Bank was a Financial Institution with Integrity and Moral values but I find out very painfully that they Scamtheir customers.
Consumer complaint received 2018-12-16
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)

Someone used information to obtain XXXX XXXX XXXX   account # XXXX on XX/XX/XXXX, XXXX XXXX XXXX account XXXX on XX/XX/XXXX, XXXX XXXX account # XXXX on XX/XX/XXXX
Consumer complaint received 2016-07-07
Product: Credit card — 
Issue: Bankruptcy — 
Company: WELLS FARGO & COMPANY (OR)

In XX/XX/XXXX, I opened a XXXX Account. In XXXX XXXX, the balance left on this XXXX Account was included in a bankruptcy. I checked my credit today XXXX/XXXX/XXXX and found that XXXX or its credit reporting agency had adjusted the open date of the account from XX/XX/XXXX to XX/XX/XXXX so that the negative information could stay on my credit history. This information should have come off when the bankruptcy came off of my credit report in XXXX XXXX. 

The credit reporting agency is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX