davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (WV)

Today, XX/XX/year>, I received numerous calls from a man who said he was with Chase bank. Here are the various phone numbers he called from : XXXX, XXXX, XXXX, XXXX the first XXXX calls were identified as " Chase XXXX XXXX ''. The man said his name was XXXX XXXX and he was calling from Chase because someone in XXXX, XXXX had applied for credit card on XXXX, XXXX  for {$10000.00}. They were ready to approve it but they noticed i was located in XXXX, He knew my Social Security number, name, phone number and city and state of residence. When i said I had not applied, he said he would decline the application. He then gave me a case ID number of XXXX and said he was transferring me to the CFPB. A man answered and stated his name was XXXX XXXX with the CFPB and he would get this straightened out. He talked in circles about how federal law protected senior citizens from high interest rates being charged by bank. He said the banks were in violation of federal law and they had shared my SSN on the public domain and that's how somebody had applied for credit in my name. He said he would fix it for me and my XXXX would again be private but first he had to cancel all my credit cards. At that point, I knew it was fraudulent, so I hung up. The man supposedly from Chase called again and started the whole conversation again .... denying having called before and then screamed that he would just approve the cc application. I called the CFPB to see if that man was an employee and if the case ID was legit ... NO..Neither was legit. I called Chase to see if any pending cc applications existed ... .NO. I checked the credit bureaus to see if a credit report had been pulled on XX/XX/XXXX. No .... nothing showed up on any of the XXXX bureaus.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I have identified inquiries, collections, and accounts on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which is Breach of privacy. No consent is identity theft. INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please see attachments for proof of identity, and identity theft report with police case reference.
Consumer complaint received 2024-07-14
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have been trying to no avail to close my Kohl 's credit card. I'm facing long wait times whenever I attempt to call someone, and store associates direct me to the number on the back of the card. I no longer wish to have. Kohl 's credit card and want the account closed immediately. Please assist.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CO)

I am a Wells Fargo customer and have been since 2007. During this period of time, they exercised the practice of paying the most expensive transaction prior to transactions of lower amounts, regardless of the order in which those transactions occurred ( i.e., at XXXX {$5.00}, XXXX {$10.00}, XXXX {$100.00}, XXXX {$200.00}, the {$200.00} was paid first, then the {$100.00}, and so on ). This resulted in countless unnecessary overdraft fees and damage to my credit score. 

I was made aware of the class action lawsuit against Wells Fargo for such practices noted above. As I was a victim of their fraudulent practices and negativity impacted monetarily, I would like to enter the class action. 

Thank you, XXXX XXXX
Consumer complaint received 2024-07-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

Someone other than me added a XXXX XXXX on XX/XX/year>. I don't have XXXX XXXX and no one from there has contacted me about a past due account. XXXX  sent this to Collections with Transworld Systems Inc. I noticed that my credit score dropped from XXXX XXXX XXXX XXXX and this is how I found out about this identity theft.
Consumer complaint received 2024-07-09
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (PA)

I have had this very high interest loan and just can't seem to get it paid down. They have the title to my car but it doesn't even come close to the payoff amount. Onemain is the company. Every time they recommended a new loan they added a bunch of fees and I have never been able to pay down the note.
Consumer complaint received 2024-07-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC (NV)

Contacted Credit Management Company by phone on XX/XX/XXXX, they advised me this will ruin my credit if I do not pay in full and their company will sue me for additional money on this account. I requested debt validation without any communication since from Credit Management Company. My medicaid paid every medical bill I had outstanding and this debt is not valid. They can not double collect on one account, however, they have failed to validate the account, threatened me and acted upon their threat.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

On XX/XX/XXXX, XXXX had taken XXXX out of my account for a subscription that I attempted to cancel beforehand. I then contacted citizens bank because XXXX typically refuses refunds ( XXXX admit, I didnt ask for a refund on this particular purchase. I went by past experiences ). Citizens did refund me that money but then, today ( XX/XX/XXXX ) they suddenly took said XXXX back. I check my XXXX XXXX and that subscription is still canceled ( it was a yearly XXXX ; and XXXX not saying I wanted the subscription but I XXXX that if they took their money back, they wouldve given me the subscription back ) which means that XXXX being charged and not offered a service whatsoever. I just want my XXXX back.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Team Recovery Inc. (OH)

Thank you for your previous response ; however, per consumer.ftc.gov, collections agencies must stop trying to collect debt until written verification of the debt is required. In this case, you have not provided written verification ( itemized statement I requested ) that the debt you're reporting to my credit profile is truly mine. The debt you claim is mine, was advised to be medical debt, and in this case, you have been unable to provide me written verification that the debt is truly mine, as obtaining this information, per my previous request, that was not fulfilled, as the representative stated it would be over the phone, of being given an itemized statement, would be providing you, an unauthorized third party, medical information that is not able to be obtained. So, either HIPAA is violated, or you are unable to verify the debts are mine. 

Again, thank you for your previous response. I look forward to rectifying this issue in a timely manner.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

On Saturday XX/XX/XXXX. I walked into a Chase Branch with my mom who received a legal settlement check from her attorney whom Ive known for over 10 years. The amount was {$30000.00}. My mom and I presented our identification to the Bank representative and witnessed us both sign the check which was deposited into my savings account. The purpose of us doing this in person was to make sure the Bank would know everything is legit. The check was also from a Chase account. The Bank rep gave us a receipt saying it would clear on Wednesday XX/XX/XXXX. 

However that did not happen. I contacted Chase and they also verified it would be cleared that day. On XX/XX/XXXX my online profile was restricted due to what they said was a fraud alert when I spoke to customer service. They said they needed verify my identity which seemed weird but okay no problem. Representative said it would be resolved in 24 hours and everything would be okay. Later that day I started to receive emails saying my accounts were restricted and to contact customer service immediately to get it resolved. I called and all they could tell me is my accounts are restricted and chase is closing my accounts in 10 business with no reason provided. 

They said they needed to speak with my mom to verify she was okay with me depositing the check which she did. I found that to be odd because we did this deposit in person at a branch with a bank representative. This has created a very negative experience for me and has impacted both my mom and I financially as we were planning to use some of those funds to help me pay past due rent to my landlord because I was out of work for 6 months and now working again. Ive tried to get this issue resolved with my no help and as a result I may lose my apartment because of Chase. I worked at Chase for 12 years from XXXX until XXXX so I am very disappointed this has happened to me and I am sure countless others. Chase seems to have gotten too big to care about its customers anymore and only focused on Shareholders and stock price valuation. This is not how you treat your customers and this policy needs to be seriously changed.
Consumer complaint received 2024-05-22
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 my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (VA)

Repeatedly, I have requested, in writing and electronically, both my XXXX and XXXX credit reports directly via XXXX Mail as well as online via the XXXX website and been denied access to my own reports. I have already contacted XXXX and XXXX to place a freeze on my credit files due to extensive identity theft and fraudulent activity discovered previously on my XXXX, XXXX, XXXX and several other credit reports. I called XXXX directly via telephone and spoke directly with their identity XXXX department and XXXX the situation in detail and that the issue with any conflicting personal information in verifying my identity is likely due to the fact that I am a victim of ongoing identity theft. The representative who informed me that they were having difficulty confirming my identity previously had instructed me to upload sensitive personal identification documents to XXXX in real time, which I did and that person confirmed that they were able to successfully verify my identity and would manually override the system defect and mail me a copy of my XXXX and XXXX credit reports. I uploaded both sides of my drivers license, social security card, a bank statement and my most recent electric bill. XXXX days later, I received yet another letter from XXXX stating that my identity could not be verified and my report requests were denied. XXXX months have elapsed and still nothing has been sent to me since that telephone call.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (VA)

Repeatedly, I have requested, in writing and electronically, both my LexisNexis and XXXX credit reports directly via XXXX Mail as well as online via the LexisNexis website and been denied access to my own reports. I have already contacted LexisNexis and XXXX to place a freeze on my credit files due to extensive identity theft and fraudulent activity discovered previously on my XXXX, XXXX, XXXX and several other credit reports. I called LexisNexis directly via telephone and spoke directly with their identity XXXX department and XXXX the situation in detail and that the issue with any conflicting personal information in verifying my identity is likely due to the fact that I am a victim of ongoing identity theft. The representative who informed me that they were having difficulty confirming my identity previously had instructed me to upload sensitive personal identification documents to LexisNexis in real time, which I did and that person confirmed that they were able to successfully verify my identity and would manually override the system defect and mail me a copy of my LexisNexis and XXXX credit reports. I uploaded both sides of my drivers license, social security card, a bank statement and my most recent electric bill. XXXX days later, I received yet another letter from LexisNexis stating that my identity could not be verified and my report requests were denied. XXXX months have elapsed and still nothing has been sent to me since that telephone call.
Consumer complaint received 2023-07-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2024-07-01
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (NC)

XXXX Customer Service XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> Subject : Immediate Cancellation of Order XXXX Dear Customer Service, I am writing to formally request the immediate cancellation of my order number XXXX. I placed this order on XX/XX/year>, and it was initially scheduled for delivery on the following XXXX. However, I rescheduled the delivery for XX/XX/year>. I have called your organization six times regarding this order : 1. To check on the order 2. To update my phone number and get a delivery time 3. To check on the delivery ( scheduled between XXXX XXXX  ) 4. To confirm the delivery ( I was told it would be within an hour ) 5. For an update at XXXX XXXX  when I was informed that my items were damaged and were not loaded onto the truck 6. To express my frustration Throughout this process, I have repeatedly spoken with a female operator at the number XXXX. On XX/XX/year>, I spoke with her XXXX times, and she continuously lied, claiming I had spoken to someone else. I sincerely hope that my phone calls were recorded and will be reviewed. I recorded the conversations myself, and the lies and deceit from Lowes employees are unfathomable. 
I demand the immediate cancellation of my order. I will not do business with your company again. My products were damaged, not loaded on the truck, and I gave up an entire day of operations for your delivery. My renters were inconvenienced, and your employees acted as if it was my fault and showed no care or consideration.
Consumer complaint received 2024-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX This company is not allowed to collect debt in the state of Pennsylvania ; according to XXXX XXXX XXXX. 
According to 15 US Code 1692C any false information on my credit report shall be removed.
Consumer complaint received 2024-07-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (NY)

XXXX XXXX XXXX, XXXX, is continuously harassing me by mailing a copy of a lawsuit summons every other day although I already submitted an answer to the court. I would like for them to stop harassing me by sending the same summons to my home every other day. I would contact the law firm, but after reading poor XXXX reviews, I am concerned with giving my personal information and trying to work with them. I am hoping that the XXXX XXXX district attorney can assist me with this harassment. Thank you.
Consumer complaint received 2024-07-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (WA)

There is a company by the name of Transworld Systems Inc, which is collecting on behalf of XXXX XXXX ... that is trying to collect a debt by placing a collections acccount on my credit report. I have disputed this entry on my XXXX credit report ( XXXX ) times, because .... I am a XXXX customer NOT a XXXX XXXX customer. XXXX XXXX DOES NOT provide services in the state of XXXX, in which I have been living here for over XXXX  years. I cant get XXXX XXXX services even if I wanted to, this is a clear attempt to collect something i dont even owe
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have/had a Capitol One Credit Card with a minimum payment of $ XXXX. I set it up on automatic payments. The month of XXXX, I was shocked when I got multiple " warnings '' that my account was " past due ''. When I looked at my account online, my minimum payment had been raised {$100.00}. Despite the {$55.00} XXXX payment, I was charged a {$29.00} late fee and they hit me with {$50.00} in interest. It completely blew my mind because I was not informed WHATSOEVER this was going to happen. I only knew when I got the message my payment was " past due ''. In calling them, they told me I " should've checked my statement ''. This is such unbelievable theft and deception, it's hard to even comprehend. In order for ANY company to raise your payment, slam you with fees, interest rate, IT SHOULD BE MANDATORY THEY CONTACT YOU VIA WRITTEN DOCUMENTATION BEFORE THEY DO THIS. In calling them, they just gaslit me and infuriated me plus all you can reach is the call centers that these predatory criminals hide behind. It is nothing less than theft. So I cancelled my card and cut it up. Now I am receiving threatening " notices '' that " your account is past due '', like 2-3 times a day, and the amount due is listed as the balance of the account when the ONE thing they did tell me in between gaslighting me, because I kept asking, is my account payment would be $ XXXX. Yet, I am getting notices they want the balance, about {$1900.00}, right now. It's very confusing ONCE AGAIN because these people operate like a XXXX. They lie, they deceive, they misrepresent, they shuffle the terms and explanations like the shell game it is. They prey on the low income with insane interest rates anyway, then they pull this sth. They are predators. I want the harassment to stop. I want the payment amounts to stay consistent. I want the misrepresentation to stop. 
But mostly I want to know why these monsters are allowed to operate like this? Thank you.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

So on XX/XX/XXXX I went to Chase Bank to deposit money to pay off my next college semester. I made XXXX separate deposits but the last one the ATM gave me an error saying that for the funds to go through I would have to call a number. The thing is that I did but they told me that it would take days for the case to be investigated which I can not afford as payment deadlines are close. Ao what they did was to file a claim for a missing deposit and they told me there was nothing else they could do.
Consumer complaint received 2024-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation (MS)

Account number XXXX : I am writing to formally dispute the collection account referenced above. I have recently become aware that your agency has placed this collection on my consumer report without providing the required validation information as mandated under 12 CFR 1006.34 ( b ) ( 5 ). 
Furthermore, have not been given the opportunity to dispute this account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of proper notice and validation is a violation of my consumer rights.

Your agency 's actions constitute the use of false, misleading, misrepresentation, and deceptive means in the collection of this debt. Additionally, your agency has no authority to furnish this account to consumer reporting agencies without providing the necessary disclosures required by law, which is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I request that you : 1. Immediately remove the collection account from my consumer report.2. Provide me with validation of the alleged debt, including but not limited to the original signed contract and a detailed account of the charges. 
Failure to comply with my request will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Additionally, I will consider all legal remedies available to me under federal and state laws to enforce my rights. 
Please confirm in writing within 30 days of receiving this letter that you have complied with my request and have removed the collection account from my consumer report. 
I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX