davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXXThe furthest I got with the XXXX branch of Chase Bank XXXX XXXX CA, is illegal unauthorized with draw from my first checking account of {$15.00} that was received by the representative and bogus withdrawals from non-ATMs I did not access, credit the account and then reversed it in which my statement now shows a negative balance, overdraw. I initially went into the bank to complain about the illegal activity of numerous hidden accounts on my XXXX chip my Chase ATM statements showed numerous last four digits of accounts of Seperate receipts ( 2 ) on or about XX/XX/, I went to the original branch where I opened the first account relayed this issue and it was suggested to reopen a new checking account and transfer the remainder funds that was direct deposit from SSA, social security administration. In which I complied, it sounded like a solution since my first checking account was compromised. The next day I went back to the branch, XXXX XXXX XXXX, XXXX XXXX, CA. and transfered approx. {$500.00} to savings. There was a balance of approx. {$400.00} of savings previously I the account when I opened up the savings. 
On XX/XX/ I went to the bank to withdraw {$100.00} and had an error balance of {$300.00} remaining when the savings account should have been balanced at around {$900.00}. 
I spoke with the representative the manager at the XXXX XXXX branch and the claims dept. And claims supervisor over the phone all which was of no help and in fact asked me to leave although I am a consumer and it is their duty to rectify financial affairs if in error and regard complaints. My suspicion besides the mismanagement and theft in funds but Non- ATM fees accounted for in my account and skimming XXXX dollar or two or more each time a transaction is made. The only ATM I went to is an ATM in XXXX XXXX XXXX XXXX, transportation located at XXXX XXXX XXXX, I noticed on my statement that there was another similar address one other time. I asked for a full investigation of video surveillance, pin input pattern, forgery in which XXXX XXXX branch denied. 

I would like All Chase Entities and financial institutions closed down until further investigation
Consumer complaint received 2019-07-30
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)

I have contacted XXXX over 21 times and I realize they have had huge breaches of data as well needlessly to say. My credit has tons of double inquiries and the strange address of where I have never lived. I gave them sufficient evidence and contacted XXXX XXXX XXXX twice to their corporate headquarters to please remove their XXXX, then the XXXX and still no resolution. 
Furthermore, regarding Trans Union, their beyond repairing after thirty five years of doing business with. I paid with auto pay to XXXX XXXX and the insurance company took too much out of my XXXX account after I canceled. They sent me a check for XXXX as well. They caused three over draft fees with my bank, but XXXX waived all of them. I sent Trans Union via certified mail sufficient evidence four times plus regular and they vehemently denied receiving it. I diligently called them as well which shows a strong commitment. 

I am exhausted of hearing people from other countries not caring at all. It's obvious and then they transfer me to start all over again. Trans Union does the exact same thing. I will file separately for this. My credit should be stellar. I have five inquiries for XXXX XXXX XXXX alone. Who the XXXX can't see that the picture is blurred. Enough with people who just don't care. 
Lastly, I sent this XXXX XXXX collection company the same documents and called but since I had to call the department of insurance over them raising my premiums constantly they retaliated against me. XXXX XXXX honest truth. 

Look, I have no reason to lie, I am dealing with the same XXXX XXXX that XXXX XXXX had and I don't have the time to waste and XXXX people. My time is extremely of value. So, calling Trans Union a hundred times really made me livid. I am following up with their headquarters as most importantly they blocked my online access. 

I thank you very much, no really! I mean I thank you for extremely for existence and some justification, otherwise this stuff would never end! It's garbage. 

Respectfully, XXXX XXXX
Consumer complaint received 2020-09-22
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: SYNCHRONY FINANCIAL (MA)

Good Morning! Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of  FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-22
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. (AL)

I LOOKED AT MY CREDIT REPORT AND I AM IN DISBLIEF AT HOW MANY FRAUDULENT ACCOUNTS ARE ON MY CREDIT PROFIEL. SOMEONE HAS MY INFORMATION AND THEY ARE FRAUDULENTLY USING MY INFO WITHOUT MY PERMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX acct number XXXX states that I owe them {$1300.00} I dont know what this is please have them remove it.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Although I do not owe this balance, I have reached out to the company to pay the balance because it is reporting negatively on my credit reports. No one will respond. I have now been able to download my paystubs that show the account was actually overpaid by a few dollars. I have faxed this information to the company but no response so far and it has been several months.
Consumer complaint received 2019-07-30
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. (CA)

On receview of my credit report, I noticed unfamiliar companies requesting copies of my credit report. 
These companies are : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX Equifax Mortgage   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

Paypal sent an overdue balance to XXXX XXXX XXXX. I have not used paypal in so long that i can not even remember login information. I never received a bill or any overdue notice of any kind? I never used paypal for any purchases only to send and receive a payment to and from a co-worker last year. I had a XXXX balance and have not used paypal since? Trying to call them is impossible. now this collection agency is threating action on a debt that I have no knowledge or information on. I need to know about this purchase so I can dispute the charge and see who is fraudulently using the account. Thank-you.
Consumer complaint received 2020-10-08
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. (NY)

I XXXX XXXX have no other recourse but to see if an act of kindness can be ascertained through the Consumer Financial Protection Bureau. During the year 2019 I was traveling to my original country on business and family matters, and my wife was in charge of family business, which included paying my bills on time. However, as a mother of XXXX children she lost focus. My statements with XXXX XXXX XXXX XXXX XXXX were not attended to properly, and therefore my perfect credit history was tarnished. I therefore request this member of the credit reporting agency system to give an honest review of my payment history and the removal of my late payments of XX/XX/2019 and XX/XX/2019. I am not disputing the current rating, but I am asking for an honest review and to be given every consideration for the negative payment removal. 
XXXX XXXX
Consumer complaint received 2019-07-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

One XX/XX/2019 I was sent a check from an Insurance company. I had been in Contact with XXXX XXXX ( if that was his real name ) I was issued a check for {$2100.00}. I was asked to deposited it into my account ( I had Bank of America at the time ) Which I did via my mobile device. Later I notice their was a spot on the back of the check that states " please check if it is a mobile deposit '' which I never marked, those making my deposit invalid. Bank of America still cleared the check the next day. I have never had Check that large clear so fast. I had left the country so I did not have time to ask why. Late that day I was asked to use XXXX  which is promoted through the Bank of America Mobile App to transfer the money. Not thinking anything of it and I did not want to get in trouble for depositing a check for that amount I did. XXXX to XXXX ( XXXX ) who has an account with XXXX XXXX. He was suppose to be the tech to place the decal on my car. They claimed to not receive the money and ask me to send another XXXX. I told them know I sent the money and I wanted to wait to see what would happen with the " missing '' XXXX. I still had some money left over from the initial deposit so they asked me to send another {$500.00} through XXXX again to a XXXX account. Once again In my mind it wasn't my money so I did not want to get in trouble for fraud. The Money was in my account for 4 Business Days. On the 4th Business Day The XXXX check bounced and now I was severely overdrawn. When I got back in the country I called Bank of America, the department I needed was not open until Monday. I called first the first thing Monday morning on XX/XX/19. Bank of America passed me around to 4 departments before I got to the correct person. They were able to see the transfers and what banks they went through. They opened a claim and told me it would take 10 business days. I waited patiently. I called back the they said they could not get the funds back and the claim was closed.

1. Bank of America is promoting the use of XXXX but you are not offered any protection from fraud.

2.Bank of America accepted the deposit of a fraudulent check that was not properly filled out.

3. Bank of America provided no help, just closed claim. Said I can file a police report
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In XXXX and XXXX of XXXX, I experienced technical difficulties with XXXX XXXX processing my credit card payments for my accounts through the app. For some reason the system would not take payments but after attempting to process the payments more than 3x, the system was reflecting that a payment was not due. I had to pay the late charges but I was advised back in XXXX of XXXX that the payments would not be reflected to the credit bureaus as late. Once I received notification that the late payments had indeed posted, I immediately sent notice to XXXX XXXX to have these erroneous late payments removed. I never received any correspondence back from XXXX XXXX.
Consumer complaint received 2019-07-30
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. (IL)

XXXX ; XXXX  and Transunion are reporting incorrectly ( 30 ) plus days late on the XXXX XXXX partial account numbers XXXX. ( Please see pages 3, 4, 5, 6, and 7 of the attached credit report. ) These accounts are reporting the ownership status as joint. These accounts do not belong to me. I have attached documents of the relevant paragraphs from our divorce decree pertaining to the ownership of the mortgages which clearly show ownership of the properties as the responsibility of my ex-husband. Please see Paragraph 18 ( a ) and 18 ( b ) Allocation Martial Properties XXXX  XXXX  and XXXX XXXX stating 100 % ownership of these properties is allocated to my ex-husband wherein he is solely responsible for the mortgages and other debts and liabilities associated with these properties and he shall indemnify myself ( XXXX ) with regard to same. This incorrect reporting of these accounts is harming my credit score and these line items need to be removed from my credit report.
Consumer complaint received 2020-09-22
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. (MN)

The following information listed on my XXXX and Experian credit report is fraudulent, unauthorized and not my accounts, credit inquiries or payment history : XXXXXXXX XXXX XXXX, {$140.00}, XX/XX/2020. Credit Inquiries : XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX, XX/XX/2020. Payment History : XXXX XXXXXXXX XXXX payment history is fraudulent.
Consumer complaint received 2019-07-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: QC HOLDINGS INC (IL)

I initially took out a loan with XXXX XXXX ( QC Financial Services Inc. ) for {$400.00} on XX/XX/2019. On XX/XX/19, I called the business to request a payoff amount, as I wanted to pay off the loan. The person on the phone quoted to me the amount of {$340.00}. I then made arrangements to pay that amount by phone. As they had stated to me that they do not mail out receipts, I considered our business done.

On XX/XX/2019, I received a phone call from XXXX XXXX requesting a payment. I was shocked, and stated so, because I had been given the impression that my loan was paid off. I informed the caller that I had paid the loan off in XX/XX/XXXX. I asked them why I would have paid the amount that I had paid if I did not intend to pay the loan off. They constantly repeated that there is no way of knowing why I paid the amount of {$340.00}. During the course of my phone calls with staff and the manager, no one with the company admitted to any mistake or took any responsibility. The attitude of staff and the manager was not helpful at all. After several phone calls, I was told that I still owed {$130.00}, and that the amount would increase if I did not pay the amount THAT DAY, which I did.

So in essence, my payoff amount was initially misquoted by a company employee ( which is bad enough ), but that employee 's mistake has also cost me an additional {$57.00} in interest and fees.
Consumer complaint received 2019-07-31
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. (NY)

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-07-29
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: EQUIFAX, INC. (VA)

XXXX Date opened : XX/XX/XXXX XXXX Date opened : XX/XX/XXXX {$330.00} I pulled my credit report and noticed I have 2 accounts in collections reporting with no account name, address, or phone number. How can this information be verified without proper documentation? I sent a letter to Equifax letting them know and requesting it to be removed immediately and it has been over a month with no communication from them. This kind of information is tarnishing my name and making my credit account look really bad to other potential creditors. I attached a screenshot of the reporting so you can have a visual of what I am seeing.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IA)

Approximately 2-3 weeks ago : Attempted to access Equifax account to insure flexibility in changing the freeze status of my account. Could not access. After an hour on hold, finally reached a representative who proceeded to ask security questions to verify my identity. One or more of the questions concerned accounts that had been closed for several years, so I, obviously, could not answer. So account access was not granted. I was instructed to request a credit report via mail and contact them upon receipt. 
Today : Called back. On hold for 30 minutes again. Hold recording said I could press the one button and be called back. Did so and was immediately disconnected. Called back. On hold for 20 minutes. Was then connected to a representative. Spoke with broken English. Very difficult to understand. Was asked four questions from my credit report which I had directly in front of me. Somehow, I failed. After some discussion, I was given a second chance to obtain access to my own credit account. 
Was able to provide the information to her satisfaction and was told that I had properly identified myself. With representative still on line, attempted to sign in to account and was rejected. She said to wait 24 hours and try again.

My confidence level of account entry in 24 hours is very close to zero. I would like to appeal to the  powers that be to intervene with this company and insure that the customer base is serviced properly.
Consumer complaint received 2019-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

XXXX loan company went under and my loan was picked up by XXXX and assigned a loan number. I pay thru my bank monthly and on the XXXX  of the month or the first bank day of the month.. I then received a letter from Loancare about my loan with out any other information and I gather assigned a new loan number. I paid my XX/XX/2019 bill to the first number and the same for my XX/XX/2019 bill only to receive notice that I hadn't paid at all. a call was made to XXXX and I found out that my loan was being handle by their other company Loancare. with this call I was told that all was straightened out and that they would report an error to the credit reporting companies. on Saturday I received a package from Loancare saying that my loan was in foreclosure and for me to fill out a certain form they sent me. I made a call to them asking to talk to a supervisor about this and was told they couldn't get one right away but I would be called back within an hour and I haven't been.
Consumer complaint received 2019-07-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. ()

I previously submitted complaint XXXX which CFPB closed following receipt of Chase Bank 's response. Chase committed in their response that : " ... Our current online account opening application will not allow our Chase Private Client ( CPC ) to open CD accounts online. We are performing a system upgrade on XX/XX/XXXX that will allow our CPC customers to open CD accounts online. You may proceed with opening your CD account after this date. ". 

XX/XX/XXXX is long gone and I, as a CPC, have tried multiple times to open a CD account online - with NO success. The situation is the same as before. Chase Bank is falsely advertising and has provided both the CFPB and their customer with false information. Given that I am unable to go to a branch and can only open a CD online, every day that passes that I am unable to invest my seven figure amount that's in the Chase savings account - is a financial loss to me - and, of course, allows Chase to get away with not having to pay interest! They have a vested interested that the funds will remain in a zero percent interest savings account! Why is CFPB allowing Chase to get away with this? If CPC customers aren't still able to open accounts online ( though as of XX/XX/XXXX Chase claimed we were supposed to be able to do so ), why does CFPB still allow them to advertise this option on the Bank 's online website? Totally outrageous and CFPB is enabling this!