davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I had an account and I opened my daughters account, because she is & was under age. But recently she lost her wallet and some fraudulent active was going on. When she notice those transactions, she quickly reported her card lost. But after she did that, she use my account to transfer her work check into my account and withdrawal what was left of her paycheck with my debt card. I filed a police report after, I was told I could. Today I sat with the police and was able to access my online banking to file the report. I made a call to inform chase that I have filed a police report and filed a claim as I am suppose to as a victim of fraud, instead that there was no reason that she could give on why both of the accounts had to be closed, because they reserved the right to end a banking relationship anytime. And after getting hunged up on by that representative, she locked me out of my online banking. I am single with XXXX children and I knew my check was going to be deposited at XXXX, and they stated to me that I would still be able to see my account active, but locked me out? ..
Consumer complaint received 2019-07-12
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. (MO)

My identity has been compromised and I have sent in a police report months ago and these accounts should have been removed. I also have an letter of incarceration inwhich proves I'm not responsible for these accounts nor do I have any contract with any of the following companies and asking that these accounts be removed immediately. 

1 ) XXXX {$550.00} 2 ) XXXX XXXX {$690.00} 3 ) XXXX XXXX XXXX {$760.00} 4 ) XXXX XXXX XXXX {$950.00}
Consumer complaint received 2019-01-07
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: SYNCHRONY FINANCIAL (TN)

I utilized a XXXX XXXX XXXX XXXX Mastercard serviced by Synchrony Bank to pay for a {$85.00} charge for services at the XXXX XXXX XXXX. However, instead of just the one single charge, they have continued to bill my credit card to a total of {$3100.00}. I have written and talked to their dispute depart at Synchrony as well as the Fraud Solutions Department. By letters attached, they have indicated that they have resolved this matter and remove the charges as well as updated all applicable credit card departments, see attached letters. However, to date, they have not. I need assistance getting this resolved as calling the bank only puts me from one person to the other, all of whom do not know what the other is talking about or how to resolve this.
Consumer complaint received 2019-07-12
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: Capital Accounts, LLC (MO)

I'm being harrassed by companies that I do not have any contract with, nor are the accounts belong to me. I've experienced emotional distress fighting to gain my true identity back. These companies has been asked to submit a certified physical documentation of their Method of Verification but has failed to do so, therefore I'm demanding that these accounts are blocked from my credit files immediately. 

1 ] Capacctll {$940.00} 2 ] XXXX XXXX {$1000.00}
Consumer complaint received 2016-06-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (GA)

I have disputed the Ad Astra Recovery Services with XXXX and XXXX stated that they verified this information. I do n't understand how can they verify an account that do not belong to me. This account was open as a result of identity theft or they insert this account on my credit file. I need your assistance in getting this matter resolved.
Consumer complaint received 2018-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA (FL)

First National Bank of Omaha is continuing to report a debt that was placed on my XXXX report around XX/XX/2018 that is not a mine, rather a debt caused by identity thief. This company has ignored a police report, affidavit and a report from identitythief.gov which is recognized by other financial institutions and credit bureaus as a legal and substantial document. On XX/XX/2018, the company sent a response about holding me responsible, however, they followed up with another correspondence dated XX/XX/2018, stating they needed to do additional research, which they have failed to follow up any additional correspondence as well. Furthermore, First National Bank of Omaha has not supplied the legally requested disclosure of the application with my signature that was used to open this account, that they are legally required to disclose if asked, as well fully knowing under several laws/statues under the Fair Credit Act that if this proof can not be disclosed they have to remove any negative reporting information from my credit bureaus, in particular, XXXX   and any responsibility to the debt. Either they dont know the laws or neither care about following them, possibly dont have the document, or realize they have made an error ; however, they are legally required to produce and disclose this application/document with signature if requested. This financial institution has conducted itself in a somewhat Mafia-style Shake Down to get me to pay these monies that I do not owe to remove this fraudulent trade from my XXXX report, its been unbelievable. Please help!
Consumer complaint received 2018-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc (CO)

This is a debt form a bank account that I do not owe money on. I have contacted them about it years ago and its still on my credit report. The derogatory account is keeping my credit score low and keeping me from securing other needed credit lines.
Consumer complaint received 2019-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I submitted a claim to XXXX XXXX due to a problem I had with a flight and I had a insurance which I bought using their website. The XXXX XXXX costumer service team reviewed my claim but, I never received the refund and I been waiting a couple of days. So, since the period time frame passed I called my bank and I submitted a dispute about the refund. Bank of America provided the refund to me the next business day. However, after a couple of days I received a letter in the mail requesting proof of the emails or information stating that XXXX XXXX issued a refund. Nevertheless, I submitted all the emails and information they sent me stating that they were going to refund me partial of what I paid {$360.00}. On the other hand, after I submitted all the information and everything, Bank of America sent me a letter that the refund they gave me will be reversed to my bank account. This is ridiculous and unacceptable because I have proof of what XXXX XXXX sent me. Therefore, the solution I want is for Bank of America to delete the negative balance I have in a bank account closed since they didnt believe the documents I provided.
Consumer complaint received 2018-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (CA)

Went into Chase Bank my branch 3mos approx ago. 
Spoke to XXXX XXXX to find out interest on a Sapphire credit card. 
If it's too high I didn't want it. 
She said I have to apply to see. 
I did and she said it shows in the 12 % range and showed me the screen. 
Still seemed high as I have good credit but I accepted. 
When I received the card it showed 17.9 %!!!! I have been to the branch many times spoke with XXXX and Mgr. 
She agreed she said this.I got a call from Chase they said that's the way it's is.I said I need a call from her boss. 
Never got a call.I went back to the Bank mgr she said can't do anything.Is this right a bait & switch with customers????? Aren't times hard enough for the public??
Consumer complaint received 2018-10-25
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: JPMORGAN CHASE & CO. (FL)

since XXXX, these companies have been pulling my credit putting hard inquiries on my credit without my authorization. 

According to my most recent credit report, the companies are currently reporting to the three credit bureaus that I had applied for credit with their organizations. I do not recall granting them authorization to review my credit report. If so, they should provide signed documents signed by me where i authorized them to do so. 

Otherwise, they have to remove it as soon as possible. 

These inquiries have affected my credit dramatically. since XXXX, i've been sending dispute letters to them through the bureaus ; i've contacted them by phone, but still they haven't taken any action. 

These companies have requested a copy of my report without my consent. 

These are the following UNAUTHORIZED AND INACCURATE credit inquiries ( Validation is needed ASAP ) : XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX   TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Auto Financing Chase Bank Usa, N. A TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos. 

Chase Bank Usa, N. A TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos.
Consumer complaint received 2018-10-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (FL)

My bank paid my my mortgage payment twice I have contacted Citimortgag 5 times over the past 2 weeks I have 2 confirmation numbers XXXX XXXX they confirmed that hey did in fact receive payment twice BUT still needed my bank statement. My bank statement isn't even on line due to the fact it was this month. I sent them twice a screen shoot of my on line banking to prove it DID come out. NOW they are saying they never received this information when in fact they have confirmed they did. I spoke to XXXX operator ID XXXX and she said in their manual it is NOT required that they ask for MY bank statement. This is causing my bank account to be overdrawn and over draft fees because they keep telling me that this was going to be refunded to my account within 3-5 business days and it has been 2 week. I sent all this documentation on XX/XX/18 again on XX/XX/XXXX and AGAIN today XX/XX/XXXX.
Consumer complaint received 2018-10-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Account Control Technology, Inc. (OH)

I have a company that claims they have my student loans. the company calls all the time and tries to contact me through my family and co workers. they say they got my loan from navient and that they are to collect the debt. They had incorrect personal information about me and I dont feel comfortable talking with them.
Consumer complaint received 2019-01-07
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)

On 1XX/XX/2017 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2017. On XX/XX/2017 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Consumer complaint received 2019-07-12
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. (NC)

XXXX XXXX card I do not use one XX/XX/2016 identity theft XXXX XXXX XXXX card XX/XX/2016 Identity theft use XXXX XXXX card XX/XX/2016 theft use XXXX XXXX Theft use nonconsential Auto loan lease party has not asked me to use my identity or as a co - signer XXXX  XXXX XXXX Auto loan XXXX XXXX Auto loan or lease XXXX XXXX XXXX XXXX XXXX Auto loan or lease XXXX XXXX XXXX XXXX has not asked me to use my identity or as a co-signer Excessive, expensive and repeated use of my identity instead of own partys
Consumer complaint received 2018-10-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MD)

I received an email today from Wells Fargo thanking me for opening a business account. I did not open the account. I am concerned because I know that Wells Fargo has a history of doing this. I called and spoke to 2 people over 30 minutes and they could not help me. I was told they would refer this to the Business Case Management Team.
Consumer complaint received 2018-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I called Bank of America in XX/XX/2018 informing them I made a terrible mistake and had forgotten I had given my Son XXXX XXXX permission to take money from my bank accounts If I ever became seriously ill again. Frauds Department had already processed this claim as a fraud and gave money back to my account on this transaction. I told them several times in XXXX, last month, this was not a fraud and I had forgotten I gave my son permission. See my affidavit uploaded here., the bank said they would begin to reverse the claim and process it. On XX/XX/XXXX I got a letter uploaded here also, from some banking department saying the claims that my son has made an issue would not change in their decision. Regardless of my many calls to the bank in XXXX informing the bank I made a big mistake, that I had forgotten I had given my son permission for my banking matter when I was ill again. The bank did not reverse the claim and said the decision was final. How can this be? This is very wrong and their first decision was based on false information I had mistaken gave them to act on.. Now the bank is still pursuing my son for recovery of the funds when he has done no wrong. He was only doing what I told him to do. The bank needs to correct the error and reverse their decision. Iconfirmed many times in XXXX that this claim was an error filed by me. I never sent them in any paper work or affidavit either, until just now confirming here that this was not a fraud. My son was only obeying what I told him to do. 
I have drafted a notarized Affidavit today so there will be no more misunderstanding about the facts and circumstances in my banking matters and this claim which had a claim # XXXX. 
This affidavit clears my son of any wrong doing and is documented that I made a big mistake and forgot I had given my son permission to take money from my bank accounts.
Consumer complaint received 2018-10-26
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: SYNCHRONY FINANCIAL (MD)

I am writing in regards to the hard inquiry pull from Paypal Credit on XX/XX/2017. As previously stated I have no recollection of thi ever applying for this form of credit and have even spoken to members of your customer service team that can find no evidence of me applying for credit with PAYPAL. Recently I chose to dispute this hard inquiry however, it is obvious that the response received was generic as I have personally reached out to your customer service department who had no record me ever applying for any form of credit from paypal. I implore you to do adequate research into my claim as this response has not addressed my concern! Please provide information regarding when I would have applied for this credit as well as what medium was used. The call center representatives I spoke to highlighted that they were unable to send a credit removal letter to the credit bureau as they had no record of the transaction being done. I am concerned about this constant run around between you and the bureaus because as stated before I have no recollection of applying for this form of credit! Please address my concern. 

I future elaborate that failure to positively verify these accounts has hurt my ability to obtain credit and note that I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623.
Consumer complaint received 2018-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (TX)

I was approved for a Walmart credit card yesterday on XX/XX/2018 and they refuse to send out my credit card and told me that I have to go through another security verification and I just fax in my notarized documents and my id and they wanted me to do a phone number verification and I explain to them I only have one working number they said its not a good number and this credit card account is showing up on my credit reports as a active account and they refused to mail my card out to me
Consumer complaint received 2018-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (RI)

This is a NEW complaint with PayPal Credit. This company will not work with a consumer, or even reply. I wish to close out this account and under Hardship/Medical Hardship, of which both are available options, and denying, not addressing these concerns can be seen as discriminating to me, with credible XXXX. ( # XXXX XXXX XXXX XXXX ) ( phone # XXXX )
Consumer complaint received 2019-01-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA (IL)

When I took out the loan, I was told that I'd be able to reamortize the loan if I made a substantial payment on the loan. I made a substantial payment on the loan ( over 50 % of the principal ) and called to ask to have the loan reamortized, when I was told this was not possible.
Consumer complaint received 2018-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am a XXXX patient that is losing their XXXX therefore I needed to purchase a wig. On XX/XX/18, I purchased a wig from XXXX XXXX but the hair started coming out by the handful. After the XXXX XXXX XXXX ( XX/XX/18 ), I called the owner to provide another wig or refund. Later that week I found out the wig was over 2 year old and was damaged before selling it therefore I left the wig with the owner. This wig was presented to me as a New Wig that came with bangs but this wig did not come with bangs. The owner washed and cut the wig to disguise the damages to pass it off on me. I told the owner she should have fully disclose everything about the wig, I would been able to make informed decision. I immediately requested Capital One 360 stop the Debit Card purchase but it was still pending. They told me to call back when it had posted which made it more difficult to resolve. I attempted to resolve the issue by offering to wait for new wig, ask the owner to send the wig to add more hair but the owner still refused to make good on the purchase ( {$860.00} ). Capital One 360 provided provisional credit in the amount of {$860.00} and continued to investigate. On XX/XX/18, they denied the claim because the owner says purchases are final. I explained to Capital One 360 the owner has the wig and they were allowing her to keep the funds. If they had stop the debit card purchase once it posted the owner would have worked out a resolution. After 11 years as a loyal customer of Capital One 360, a decision was made to deny the disputed claim which overdrew my checking account in the amount {$860.00}. Capital One 360 Claims department refused to speak any further.
Consumer complaint received 2020-09-09
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: General Motors Financial Company, Inc. (MA)

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.