davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/24 chase bank put a hold on my checking account because of 3 mobile deposits. Amounts were {$750.00}, {$1500.00}, and around {$980.00}. These deposits were printed checks from my sons horticultural company, Chase said that these accounts could not be found at issuing bank which is not true. They returned the deposits and put a hold on my account. On XX/XX/24 I was supposed to receive my direct deposit from my employer in amount of roughly {$3700.00}. After trying to figuddd out how to access my paycheck from the Chase account it was deposited into Chase said the account was going to close and k couldnt use any atm or other means of withdrawal funds. It is ridiculous.
Consumer complaint received 2023-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (OH)

I have contacted this collection agency several times, requesting the exact store, or whom ever that stated that I had this outstanding balance, trying to find out exactly where this fraudulent account was opened. I have requested a final bill and address to which this account was open from the collection. Agency itself stated that they did not know the exact company that this account was open through that the only thing that they can see that the account was opened back in XXXX and XXXX they initially told me that it was for a unpaid auto loan. I never had an unpaid auto loan in my life. They told me that they were going to send me out of packet. I never received it no information about this account at all.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (WV)

On XX/XX/XXXX XXXX I submitted a extended 7 year fraud alert request form to Chexsystems instructing them to change my fraud alert from an initial one year fraud alert to a 7 year Extended fraud alert I submitted the notarized form to Chexsystems and dropped it in the mail on XX/XX/year> they have had an entire month and they still have not changed my fraud alert into a VALIDATED extended 7 year fraud alert.
Consumer complaint received 2023-05-24
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (GA)

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.

has violated my rights.

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. In addition I have provided the companies with a copy of a notarized ftc identity theft report. all of my private information has been leaked to thousands on various online platforms and has been used to create account and control accounts that where already existing. 



XXXX XXXX with reported balance {$0.00} discover card with reported balance {$4300.00} XXXX with reported balance {$3600.00} discover bank with reported balance {$2100.00} XXXX XXXX with reported balance {$2000.00} XXXX  with reported balance {$980.00} XXXX XXXX with reported balance {$3200.00} XXXX XXXX  with reported balance {$0.00} XXXX with reported balance {$0.00} XXXX XXXX XXXX  with reported balance {$0.00} XXXX inquiry XX/XX/year> XXXX inquiry XXXX, XXXX, 2022 XXXX XXXX inquiry XX/XX/year> 2022
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

XX/XX/2022 I made an online purchase from Pottery Barn using my Capital One Pottery Barn card. They placed a hold for the purchase amount in the card, and the same day submitted a duplicate transaction which caused my account to overdraft. I immediately called into Capital One, who brought Pottery Barn  on the line. They explained this was a known issue within their system. I requested the order be canceled and the card closed as this seemed a suspect process. Both Capital One and Pottery Barn assured me the transaction and order were canceled and my card was closed with a XXXX balance. Towards the later part of XXXX I checked my online Capital One account and noticed there was a {$2500.00} charge from Pottery Barn on the closed account with no transaction data. I called Capitol One twice. The second call on XXXX XXXX they got Pottery Barn on the line yet again. Pottery XXXX said they had tried to reverse the charge but the transaction got returned by Capital One. They agreed to work on this issue over the weekend and call me on XXXX XXXX to confirm resolution. They never called me. On XXXX in the evening I called back into Capital One to register an official dispute. Capital One was reluctant to register my dispute because I could not recall what I had ordered in XXXX from Pottery Barn. I then requested that they submit as fraud, which they said would not work. Ultimately they agreed to open the dispute. 

This was consumer fraud on the part of Pottery Barn and their card vendor Capital One. They admitted during multiple calls that the double charge was a known system issue.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 


In Accordance with the Fair Credit Reporting act My name, address and work is incorrect on my credit file. 

and it has violated my rights. 

correction of ( name ) should be : XXXX XXXX XXXX corrections of ( Date Of Birth ) XXXX correction of ( Social Security # ) : XXXX correction of address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correction of Employer should be : XXXX XXXX 15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX a XXXX XXXX XXXX was released to XXXX XXXX XXXX ( my son ) with the co-sign of XXXX XXXX XXXX. On XX/XX/XXXX the date of repossession was implemented. No opportunity to get the vehicle back was given. No reduction of balance was given after new resale of vehicle. Have asked for reduction of balance due to re-sale no agreement was given. {$13000.00} is the remaining balance.
Consumer complaint received 2024-08-05
Product: Credit 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: BARCLAYS BANK DELAWARE (IN)

On XX/XX/2021, a charge was made to my account with Barclays, XXXX XXXX XXXX XXXX, for {$10000.00}. This was double the amount that I approved for the charge of {$5100.00}. I immediately contacted the vendor over the phone and online. When the charge did not get corrected, I had no choice but to dispute the charge with the credit card company. I immediately provided all of the necessary information, including all of the correspondence with the vendor about the charge. This transaction was done online, so I did not have a receipt such as would be provided in a store face to face transaction. I did provide the credit card company with the original online transaction amount and everything indicating the correct amount to be charged, and did this all within the appropriate timeframe. I received little to no response from Barclays, the credit card company, as well as no request for additional information. In desperation, I did an online CHAT in which I asked for the government regulatory agency for the credit card program and was told it was the XXXX  ( XXXX XXXX XXXX ) and the FDIC. I have this chat in writing as I printed it off. I pursued these options to no avail as obviously they are incorrect and I was misled. This amount of {$5100.00} that I was overcharged is significant to me, and I feel because of my trouble and the extreme XXXX  this has caused me, Barclays should refund me the entire amount of {$10000.00} as settlement. I realize the date of this complaint being over 2 years since their denial of cooperation may seem a long period, but as I said Barclays sent me down rabbit holes for the complaint process, I am assuming intentionally to avoid responsibility for their misdeeds. I have attached both the CHAT that I had with Barclays where I was directed to contacted both the XXXX  and FDIC as regulatory agencies, and also the letter ( the only letter ) sent to me about my dispute, in which Barclays chooses not to investigate my issue in any way.
Consumer complaint received 2023-01-10
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this XXXX  XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) maXXXX be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 

XXXX XXXX XXXX
Consumer complaint received 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The account ( s ) XXXX along with the creditors name : XXXX XXXXXXXX XXXX and/or XXXX XXXX XXXX XXXX are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and I would request you to revise the report after due diligence. I have XXXX have always had XXXX ( Government Insurance XXXX and have never had a charge to my credit regarding an ER visit, so there is no reason this charge ever reached my credit at all. 
I request you to clear my credit report as soon as possible to help me continue business. 
I am attaching the required documents [ payment receipts, payment records, and other associated documents ] with this letter so that you can verify the details and support my position. 
Please look into this matter and do the needful as soon as possible. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2024-04-16
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)

THIS IS THE XXXX  TIMES REQUESTING THIS FRAUD ACCOUNT DELETE FROM MY CREDIT REPORT BY LAW. 


THIS XXXX BANK CHARGED-OFF ACCOUNT WITH A BALANCE OF {$1300.00} IS FRAUD AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

I NEVER OPENED THIS FRAUD ACCOUNT AND NEVER LIVED AT THIS ADDRESS ON FILE FOR THIS CARD. 

DELETE THIS INACCURATE FRAUD COLLECTION CHARGED-OFF FROM MY CREDIT REPORT.
Consumer complaint received 2023-05-23
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. (NY)

Hello good afternoon, I had an auto loan with XXXX XXXX XXXX in XXXX which has been satisfied in full, unfortunately the account is continuing to show up on my Equifax report as charge off. I satisfied the debt of the charge off in full and would like this account removed from my XXXX report as it is impacting my credit score negatively. I have attached the XXXX debt cancellation form which confirmed the taxes I paid on this debt and a remittance from the lender confirming payment that was remitted to the account/debt. The supporting documents clearly state I have no obligation to the account therefore I kindly request this account to be removed from my XXXX credit report as it is negatively impacting my score. Thank you.
Consumer complaint received 2024-08-01
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I was quoted a rate based on having the loan deferred. I was very clear that I wanted the ability to make payments during the deferred period. I was told that I could do this. I was then told that I could get a lower rate XXXX of if I had my daughter open an account. When I went to sign the promissory note I didnt see the discount of the rate and the lending officer said that I wouldnt see the rate reduced until I set up for automatic payments. I then said I would sign up for auto payments and make a small payment to get the XXXX off. He said auto payments were not an option with the deferred option. I asked why he said my daughter had to open the bank account then. He stated there is XXXX off for opening the account and XXXX for auto deduction. I have received neither discount. If I am eligible to make payment during the deferred period I should be allowed to to auto deduct and get the discount. This has been a horrible experience for my daughter first loan. I have not been able to have anyone call my to make the adjustments
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

Experian offers only XXXX issues for contacting them via phone or web : Fraud or Freeze. After trying to access my XXXX I have been locked out. They do not accept my password for reasons unknown to me. Note : My XXXX is frozen by me which is ok. I want to get in and correct the password issue and there is NO option to get tech support. Are you aware of this issue?? And can you contact them to fix/allow a way to correct password issues? Thank you.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I check my check report and some school called XXXX XXXX charged me {$4100.00}. This is the second time someone has Fraudulently use my information to attend the school. I have told them numerous times I have my degree. I do not need to attend the school for XXXX XXXX. I have filed a police report. Also, when this occurred, I was in the hospital for XXXX XXXX getting a XXXX  so the furthest from my mind was attending college, I checked my bank account and saw fraudulent charges and the bank reversed them.
Consumer complaint received 2024-06-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC. (CO)

Dear Sir or Madam, Earlier this year I applied for the Colorado Property Tax Deferral Program. This is available for senior citizens who meet certain requirements. I was approved for the program, which means the State of Colorado paid my XXXX property taxes due in XXXX. The amount was just over {$6200.00}. They file a lien on my property and the amount has to be paid back when the property is sold. 

Since my mortgage servicer, Citizens Bank, had already paid the first installment back in XXXX, the County where I reside, refunded {$3100.00} to them through a company named XXXX, which manages tax payments on behalf of mortgage companies. This happened on XX/XX/XXXX. 

I have called Citizens on three occasions in the past 30 days to inquire about this situation and have been told that they will do an escrow analysis to lower my payment and also possibly issue a refund of the overpayment. However, they have not yet resolved the issue and I was told again today to call back next week as they need to 'escalate ' the matter. 

I am a senior citizen with several medical conditions and applied for this deferral program because we are trying to reduce our expenses as best we can. 

Another issue I have with Citizens is that their online portal does not show any escrow information ( it used to several years ago ). I have brought this to their attention on multiple occasions and they just keep sending me to their IT department, who in turn proceed to do nothing. 

I ask the CFPB to reach out on my behalf to request that this issue be resolved and that they provide accurate escrow accounting in their online portal, like they used to. 

Thank you in advance for your assistance in this matter. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc. (VA)

I am still trying to get a 1099 - c from sst/XXXX XXXX and I can't get one and I also have submitted previously a request for arbitration I am afforded that luxury according to the account disclosure the last one I sent I called them and ask what was the status of my request and I was told that they weren't going to do anything about my request because I didn't file it correctly and I am sending a copy of my request that I sent to systems services technology. This is the fourth or fifth complaint that I ha XXXX lodged against systems services technology in the last year and NOTHING has been done about it and now something has to be done about this company they are not above the law.
Consumer complaint received 2024-07-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I applied for the credit card listed here : https : //www.capitalone.com/help-center/contact-us/ I was approved and met all requirements stated in the fine print, which include spending {$500.00} in the first three months of account opening, applying through the link on the offer page, keeping the offer page open while applying, and not having received a promotional sign up offer in the past 48 months. 

On approximately XX/XX/year>, I contacted Capital One via their customer service phone number to inquire about the status of my signup bonus. I spoke to a representative. They informed me someone would call me back within a few days. Two weeks passed with no call back. 

Today, XX/XX/year>, I called again and spoke to both a representative and supervisor, who both informed me that my account was not eligible for the offer, despite the fact I met all the terms stated in the fine print of the offer. They refused to honor the offer. That is why I'm filing this complaint.