davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MI)

I had a Business Credit Account with Chase under Business name " XXXX XXXX XXXX XXXX XXXX ''. I recently changed my business name to " XXXX XXXX XXXX XXXX '' and requested Chase updated their Records and issue me a New Credit Card. I uploaded all the required documents to Chase and Chase changed my Business Name on my Credit Card and mailed me a New Card. I also activated the new Card. I login to my account online and I see Chase has not changed the Business Name on my Account. I sent 2 request to ask them to change the Business Name on my Account Online and in their records. I have call 4 times, only to be hung up on, transferred to several different departments. No one wants to do their job. Horrible customer service at this point. Chase refuses to update my Business Name on my Account and I have already sent them the required documents from the State of Michigan showing proof of the name change.
Consumer complaint received 2024-07-03
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc. (IL)

Multiple accounts including the irs, prepaid bank cards, loans, etc have been opened in my name. Ive been XXXX  since XX/XX/year>. And XXXX
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (MI)

During the XXXX Pandemic I did not take one dollar of unemployment or PPP funding XXXX The account in question has been on my credit report longer than legally required. In addition, I should have never had any late payments showing during the XXXX timeline. Since this account is paid in full, I respectfully request as a professional courtesy the deletion of the account permanently. 
XXXX XXXX
Consumer complaint received 2024-07-03
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

XX/XX/year> Unauthorized wire transfer of {$25000.00} from my XXXX ( XXXX ) & my savings acct at Wellsfargo to XXXX XXXXXXXX XXXX XXXXXX/XX/year> We notified Wellsfargo that evening that this was not authorized XX/XX/year> Wellsfargo provided case No. & stated our funds were pending & safe XX/XX/year> As advised by Wellsfargo, XXXX & I met in person at Wellsfargo Bank in XXXX, XXXX to continue reporting this & secure our banking accounts for further fraudulant activity. We closed all our accounts & secured new accounts XX/XX/year> XXXX & myself met in person with XXXX XXXXXXXX XXXX to report this unauthorized wire transfer from one of their clients XX/XX/year> XXXX & myself received Wellsfargo letter of refusal to reimburse our savings account funds of {$25000.00}. Subject : Resolution of online wire inquiry for Savings Acct. 
XX/XX/year> XXXX & I filed a police report as advised by Wellsfargo Bank in XXXX. We filed that report in person at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Hand carried bank statement to the Sheriff 's Dept as requested by the Officer XX/XX/year> XXXX XXXX myself filed dispute letter to Wellsfargo to recover unauthorized funds of {$25000.00} XX/XX/year> Received denial letter from Wellsfargo to reimburse our funds
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-07-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/year>, I called Bank of America ( BoA ) to close a savings ( XXXX ) and checking account ( XXXX ). The checking account is the reasons for this correspondence. In this endeavor I was told by a BoA rep over the phone that I could avoid the XXXX maintenance charge on the checking account by direct depositing XXXX into this checking account monthly. I specifically asked if it was a total XXXX for the entire month and they replied yes. I asked the question again to clarify and confirm, I was told yes again. 
BoA has been deducting XXXX out of my account because they say it needs to be a one time deposit of at least XXXX. This fraudulent banking and lending practice resembling a hook and reel tactic of sharing wrongful and inaccurate information can not be accepted. 
I request XXXX require the phone call on XX/XX/XXXX be audited and reviewed to resolve this matter and resolute to not charging my account XXXX because I have been direct depositing a cumulative of XXXX from the point of call. 

Ive had to make phone calls after XX/XX/year> for them to correct this fee. XX/XX/XXXX XXXX and XX/XX/XXXX XXXXXXXX XXXX  and on XX/XX/XXXX to where I was denied a credit for this fee.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (GA)

I recently I looked at a copy of my credit report anad noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX- BRIDGECREST XXXX XXXX- BRIDGCREST XXXX- BRIDGECREST
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (NJ)

I attended a Wyndam resort presentation in XXXX XXXX, they used my personal information to apply for a credit card without my authority. I specifically told them that I did not want there rewards credit card. I was specifically said that I did not want to apply nor did I want it. I received a credit card in the mail today, it says that is was applied the same day of my attendance at the presentation.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CL Holdings LLC (CA)

I was a victim of Identify Theft back in XXXX. I found out when I received bills from XXXX, XXXX XXXX XXXX, and XXXX. I filed a police report immediately. I also found out fraudster opened a fake credit account with XXXX, XXXX, and XXXX. My information was leaked through credit bureau data hack. Phone companies made it hard to reach human representative to report and close fraudulent account, even though account was easily made without proper check. Credit bureaus also make it difficult to reach a human representative. I had to fight and spent lots of time and energy. Eventually, I was able to get back my credit bureau accounts. No companies provided compensation for wasting my time and putting me under stress and hardship. XXXX sent fraudulent account to debt collectors and XXXX allows debt XXXX to instantly add collection account to my credit report, even with victim statement. All 3 credit bureaus even have police report on file but still allow collection claim for fraudulent XXXX account. While I need to wait 30 days for an investigation. This fraudulent XXXX account keeps getting passed to new debt collectors and I always need dispute and waste my time. After account is removed, XXXX doesn't restore my credit score to before collection account was on my report. Leaving me to suffer and rebuild my credit score.
Consumer complaint received 2024-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Tried to make mortgage payment XXXX through SPS portal I could not remit mortgage payment. Requested SPS to amortize my escrow shortage over XXXX  months they have refused to work with me. Don't want my home mortgage status to be in pre-foreclosure because of mortgage servicer not servicing my mortgage-by-mortgage requirements. I have experienced this issue before with SPS several months ago.
Consumer complaint received 2024-06-30
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Technologies, Inc. (FL)

I am writing to bring to your attention a series of hard inquiries on my credit report that are not associated with any open accounts. Below are the details of these inquiries : CREDIT TECHNOLOGIES IN Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX I have not authorized these inquiries, nor do I have any open accounts or ongoing business with these companies. I request that these inquiries be investigated and removed from my credit report as they negatively impact my credit score. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-07-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (MI)

I am unaware of the debt reported on my credit report. i did not the opportunity to dispute this debt nor did i receive proper notification. if you believe i received proper notification can please provide the certified mail with the receipt with my name on it saying i received it.
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My account with CAPITAL ONE AUTO FINANCE - XXXX was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. CAPITAL ONE AUTO FINANCE - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OK)

This company is report damaging inaccurate collection information on my credit report. I ask this company to provide me with original contract with my signature stating that I owed this debt. This company is reporting past due amount and late payment which is also damaging my credit monthly. I have also disputed this account via XXXX which was verified accurately. I have asked XXXX to provide with original contract and signature and the method of verification which they have failed to do as well. I just want it to be fair by removing this damaging account off my credit report
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Propel, Inc. (GA)

I receive a portion of my paycheck through this banking institution. The deposit was scheduled for XX/XX/XXXX, but I never received it. On XX/XX/XXXX at XXXX XXXX, a message was posted in the app stating that all errors had been identified, and that any remaining customers who had not received their deposit would be emailed with next steps within 24-48 hours. As of XXXX, that timeframe has passed and I still have not received any communication. 

I have attempted to contact the bank multiple times. When calling their office, I either encountered no available agents or was stuck in a loop of automated responses, unable to reach anyone. I also sent an email and received the following response : " Thank you for reaching out. We're unable to respond to this email. If you have received an email from one of our agents, please reply back to that email. '' I have not received any emails from an agent to reply to. 

This issue is particularly urgent as it is the beginning of the month and all of my bills are due. The lack of response and resolution is causing significant financial stress and inconvenience.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (SC)

Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$640.00} Dear XXXX, After reviewing my consumer report, I have some concerns about the validity of your reporting. 

This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). 

I am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. 

Request is hereby made that Jefferson Capital Systems , LLC and XXXX provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. 

Accordingly, please provide me with a complete accounting of the alleged debt Jefferson Capital Systems , LLC claims I owe within XXXX ( XXXX ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to Jefferson Capital Systems , LLC for the alleged debt obligation which is the subject matter of this dispute. 

An itemized breakdown of what Jefferson Capital Systems , LLC claims the payment is owed for. 

Explain and provide me with the method utilized to calculate the amount in dispute. 

Provide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount Jefferson Capital Systems , LLC I owe. 

Identify the current owner of the alleged debt. 

Identify and accurately describe any third-party costs for which Jefferson Capital Systems , LLC is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. 

Provide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the consumer report. 

Provide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account. 

Provide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. 

Provide a statement showing the relationship Jefferson Capital Systems , LLC has with XXXX, and advise how XXXX XXXX XXXX and XXXX gained access to my private personal data without my exclusive written consent. 

Dated : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00}
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Received a response from XXXX over at credit acceptance corporation from my regarding of validation issues and I ask for her to truly verify what she is stating she states that everything was reporting accurate and everything has been accurate from start to finish. Everything has been true and there was never no lies or mistakes being reported onto my credit report to harm my credit rating or well being .. so I ask for her to show me and provide evidence on what she stated since I did but she could not. 

So for the account and its reporting I ask for her to fully provide evidence of what she stated From Names, balances, accounts status, active history, transactions history, last payment dates, statute of limitations times for the state of MI, and also the statement made that the account was open and never was closed also I ask her to provide all evidence that her and the company she works for which is credit acceptance corporation still is and was complying with all applicable federal and state of mi laws. 

I provided all evidence on my end and communications showing her responses from her company and the reporting from them and the bureaus for her to prove to me everything is 100 % true. Back up your statements
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the Capital One account ( Account Number : XXXX ). The report lists a balance of {$330.00}, a credit limit of {$300.00}, a balance updated XX/XX/XXXX, 110 % credit usage, a $ 25 monthly payment, an account opened on XX/XX/XXXX, last payment date of XX/XX/XXXX, highest balance {$470.00}, status open, and responsibility individual. The payment history also shows XXXX late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CT)

I deposited a check through the banks mobile app on XX/XX/year>. Come XX/XX/XXXX I was given an email that my deposit is on hold. I called the customer service number and was told there is no specific reason as to why my check is on hold. I go to the bank the same day to see if I can get an answer. They called a couple of numbers and could not get an answer as well. They call the XXXX number that is provided on the check to verify. They were told nothing is wrong with the check. They still couldnt verify even after the bank calls the XXXX number.The bank calls another department and the answer they gave was that the name of the company is not on the check. I tell my boss this information and he tells me that it makes no sense because thats the same check they issue everyone. I leave the bank with no valid explanation as to why my funds are on hold.
Consumer complaint received 2024-06-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

I received an Amex eGift Card in the mail. I clicked the link to validate and print the card, which loads on XXXX XXXX XXXXXXXX XXXX XXXX and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (GA)

Your company never had my lawful permission to report any experiences or transactions to my consumer report. You did not provide me with XXXX notices required by the FCRA and XXXX XXXX XXXX XXXX. By LAW I was supposed to receive XXXX notice that you may ( not required ) report to my consumer report and another notice giving me the opportunity to sign my signature if I was ok with you reporting to my consumer report. I never received any of these notices from you therefore you must cease and desist reporting to my consumer report until I receive those notices and opt to out notices to sign.