davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On the date of XX/XX/2023, my wife and I visited JP Morgan Chase Bank N.A. ( XXXX ) Branch, located at XXXX XXXX, where we engaged in a transaction with XXXX XXXX XXXX, who facilitated the opening of a Business account, Account # XXXX, for our company, XXXX XXXX XXXX XXXX, doing business as XXXX, XXXX. 

During this visit, we deposited 32 checks amounting to {$79000.00} into the account. XXXX XXXX handled the checks and no concerns were raised regarding the number of checks being deposited to open the account. 

Regrettably, it appears that XXXX XXXX inadvertently omitted to include the second page of the Doing Business As ( DBA ) document, which contained our fictitious name, XXXX. Consequently, Chase 's fraud department red-flagged the transaction due to the checks being written under both XXXX and XXXX XXXX XXXX XXXX XXXX with the majority under the latter. 

This situation resulted in the suspension and subsequent cancellation of our account without any explanation from Chase, leaving us without access to our funds. Multiple attempts to resolve the matter by contacting the branch have proven futile, with representatives stating that the checks have already been cashed by Chase. Despite this acknowledgment, they have refused to allow us access to our funds and offered no reason for the account cancellation. 

For over a month, our attempts to gain resolution and retrieve our funds have been met with unresponsiveness from Chase. They have even suggested that the money may be sent to the California unclaimed property fund. Moreover, Chase has expressed difficulty in verifying the legitimacy of the checks with the issuing institutions, requesting a list of phone numbers for verification purposes. Although we promptly provided the requested list, Chase maintains that they can not verify the legitimacy of the contact information. 

This inaction and negligence by Chase have had severe consequences for our small company, as we now face challenges in meeting our financial obligations, including paying our employees. Despite all the checks having been collected and cleared by Chase long ago, they have not provided a timeframe for resolution. 

In light of the circumstances, we demand that Chase promptly rectify this matter, grant access to our funds, and provide a clear explanation for the account cancellation. Our company 's financial stability and ability to fulfill our obligations are at stake, and we expect the due diligence and professionalism expected of a reputable financial institution. Failure to address this situation satisfactorily will compel us to seek legal remedies to safeguard our rights and interests.
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (AZ)

XXXX is trying to collect a debt that I'm already in a payment arrangement with another company for the debt they are suing me for. They are violating my rights as consumer by attempting to collect 2 times for the same debt.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NY)

I didn't realize that this account exists until I received a debt card in the mail. This account was opened without my consent. I called the bank and reported it. They requested me to give them more personal information to close it. Since I'm not sure how it was created I didn't feel comfortable giving out more personal information to closed it. After I told them that I didn't request this account to verify opened. They told me that they needed this information so they can verify it was me. This bank just don't want to closed this account and I don't know why.
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: National Credit Systems,Inc. (ME)

A lease for property was taken out at XXXX XXXX, in XXXX XXXX in my name via online. In XXXX of XXXX. 

I do not live nor have ever resided in the state of XXXX. I am a resident of XXXX, and have lived in XXXX, as well as XXXX. 

I lost my wallet about a month prior to this transaction being taken. 

XXXX XXXX went to court for eviction and sued me for over {$4000.00}. 

I never knew this as I was never notified. I went to purchase a car in XXXX XXXX and this line item was on my credit report and I disputed it fully with all 3 credit bureaus and put a freeze on my credit report. 
There is also a notation that my identity is compromised, and I have a duplicate identity, to please verify its me. 
I reached out to the property in XXXX and XXXX of XXXX with no success via phone and email. No returned communication. 
I notified the credit bureaus in XXXX of XXXX of the unsuccessful attempt. 
After months of trying to dispute with credit agency and the creditor not working cooperatively with me I filed a motion in court on XX/XX/XXXX with XXXX XXXX XXXX to have the judgement dismissed for lack of notification, I was never in this state, and identity fraud. 

I additionally picked up a copy of the original complaint from the attorney that was never received to me dated XXXX, they mailed it to the property address that was rented in my name however I have never resided there. 

XXXX XXXX property attorneys were served/mailed on the XXXX of XX/XX/XXXX with my motion.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (SC)

My personal information was included in a data breach by XXXX. Ive recently noticed a rental lease charge off on my credit report for an address I have never had ties to. Ive tried to contact the company listed and was unsuccessful in having it removed.
Consumer complaint received 2019-11-14
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. (FL)

IN XXXX MY IDENTITY WAS STOLEN I FILED A POLICE REPORT. IN THE BEGINNING OF XXXX I STARTED TO SEE ACCOUNTS OPENING IN MY NAME XXXX XXXX WAS ONE OF THOSE ACCOUNT SO I DID ANOTHER POLICE REPORT AND PLACE THE FRAUDULENT ACCOUNTS ON THERE IT WAS INVESTIGATED BY XXXX XXXX POLICE AND THIS ACCOUNT WAS PROVEN NOT TO BE MINE SO IT WAS REMOVED FROM MY CREDIT REPORT. THIS XXXX XXXX ACCOUNT HAS REAPPEARED ON MY CREDIT REPORT WITH ANOTHER ACCOUNT NUMBER SO THAT IT COULD BY PLACED ON MY CREDIT AGAIN. IT IS THE SAME INFORMATION THAT WAS ON THERE THE FIRST TIME BUT NOW UNDER A DIFFERENT ACCOUNT NUMBER. I HAVE SENT CERTIFIED LETTERS ASKING THEM TO SENT ME A COPY OF ALL PAPERWORK BEARING MY SIGNATURE OR REMOVE THIS ITEM FROM MY CREDIT REPORT FREEDOM PLUS I HAVE NEVER OPEN AN ACCOUNT WITH THEM THERE ARE NOT WILLING TO ASSIST ME WITH THIS ACCOUNT. BECAUSE THE PERSON WHO OPENED THE ACCOUNT HAD ALL OF M INFORMATION.. WELL WHEN PEOPLE STEAL YOUR IDENTITY THEY CAN YOUR LIFE HISTORY THEY KNOW INFORMATION THAT CAN GET THEM LOANS OR CREDIT CARDS OR WHATEVER THE CASE MY BE. I HAVE SENT CERTIFIED LETTERS ASKING THEM TO SENT ME A COPY OF ALL PAPERWORK BEARING MY SIGNATURE OR REMOVE THIS ITEM FROM MY CREDIT REPORT
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

I have always made timely payments and never missed a payment. This mistake is causing me significant stress and anxiety, and it is affecting my ability to sleep properly. I kindly request that you update my account as soon as possible to reflect my accurate payment history.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MS)

I banked with chime for at least two years. I was supposed to receive my tax payment to my account. I'm not able to sign in the app. Upon calling chime, I was told to verify some account details that I have not ever opened. I lost {$6000.00} and my account due to my account being hacked and a bank account linked. I'm very unhappy with the bank and have considered a lawsuit for the inconvenience of not being able to pay my bills.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

XX/XX/2023 I had no access to my checking account with Citi bank there was a block from franchise tax board so I called the its and cleared the issue and they lifted the block I called my bank back and they informed me there was now a fraud block I asked how much was in my checking account in which I was told {$1800.00} and that my account was waiting to be closed. I asked on what basis I was told for too many dispute claims. I explained that I had I made one claim and the lady handling my claim didnt dispute all the charges and I didnt know that until my dispute was found in my favor and provisional were final but what I received back wasnt what the initial dispute was for so when I called my bank is when I found out only 10 out of the 67 were disputed. So I disputed the remaining 57 that were then denied I informed them I never received an alert or a block on my account when these purchases were being done and I shouldnt be having to dispute this had the 1st worker done her job and disputed all the charges that is when I was told that it only took them 4 days to fully investigate 57 transactions but it took 60 days to investigate 10 transactions and they didnt have a response. But I was told that I wouldnt have access to my account and it will be closed soon and any funds in the account will be issued in a check. It took XXXX more days and I recieved a check but for only {$500.00} not the {$1800.00} that was in my account.
Consumer complaint received 2023-06-19
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: Atlanticus Services Corporation (MD)

These companies are violating the Fair Credit Reporting Act ( FCRA ). These companies have pulled my credit report without my consent. 

XXXX XXXX XXXX XX/XX/XXXX sales financing company XXXX XX/XX/XXXXXX/XX/XXXX ; XX/XX/XXXX personal loan company XX/XX/XXXX XXXX XX/XX/XXXX bank credit card company XXXX XXXX XX/XX/XXXX department store credit card Fortiva XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

Two different hard credit inquiries have been submitted by an unknown person and without my authorization. 
The first one was submitted in XX/XX/XXXX by a company named Factual Data. 
XXXX XXXX XXXX XXXX, Georgia XXXX ( XXXX ) XXXX A second hard credit inquiry was made in XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have not apply for any loans, credit cards, or have authorized any credit inquiry.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Back in XXXX of 2024, I was at my gym and when I was leaving I realized my bag was missing/stolen containing my wallet and phone from the locker rooms. Due to apples XXXX factor authentication it took some time for me to be able to access everything again. ( Less than XXXX hours ). As soon as I had access and noticed funds missing I froze my account and contacted Huntington bank. I explained the XXXX charges I noticed for {$1000.00} dollars each totaling {$2000.00} were not mine and were not authorized by me. I explained I had a police report with the time and date of the incident as well. This is where it gets odd. After successfully filing my dispute with all the information I could have possibly give, the dispute was denied due to a text message sent by Huntington to my cell phone verifying the charge which had clearly been stolen. I called back and explained my situation again to which the customer service rep couldnt believe it was denied, she then detailed it out again in the notes that my personal belongings were STOLEN and I had all of the proper reports to document it. They then denied it again for the exact same reason. I then spoke with XXXX separate supervisors who reopened the case explaining I did not have possession of my phone and again, for the XXXX and XXXX time the disputes were closed with out investigation for a text message to my stolen cell phone. This has been an absolute nightmare. The last rep who reopened the case recommended I file complaints with cspb and bbb about my experience with this if for the XXXX time they denied my dispute for the same reason. I received a letter a couple days ago stating it was indeed denied again for the same reason. This takes unprofessionalism to a whole new level.
Consumer complaint received 2024-05-28
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (GA)

I was sent a bill in the mail in XXXX for this account. This was the first time I was made aware of this account. I called in XXXX to report and close the account with the bank, then called XXXX to open an investigation as well. 

I called the bank for months asking about the status of the investigation and was just told on XX/XX/XXXX that the investigation was closed and I was found responsible. They said that ID was presented at the time of purchase and that the purchases were made XXXX minutes away from my address. 

On XX/XX/XXXX, I called XXXX to re-open the investigation. 

I have been dealing with identity theft for months. I have received bills in the mail for multiple accounts I have not had any knowledge of including XXXX and XXXX. I have had credit inquiries from XXXX, XXXX XXXX XXXX, and XXXX XXXX. And, I had a XXXX XXXX credit card started in my name that I was able to get removed. 

This card is also the result of identity theft.
Consumer complaint received 2024-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp. (GA)

On XX/XX/year>, I was checking my credit report when I noticed a negative entry from a company called True Accord. The company placed a negative entry on my report for a debt allegedly owed to XXXX. True Accord did not provide me the opportunity to dispute this debt before placing on my credit report causing my credit score to drop. Furthermore, the company is trying to collect a debt that is not valid. In addition, I did not receive written notification of this debt I had to review my credit report to learn of the action by this company in placing a negative entry on my report.
Consumer complaint received 2024-05-28
Product: Credit reporting 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. (IL)

On XX/XX/XXXX I was notified by my credit monitoring service that a hard inquiry was performed by JPMCB CARD SERVICES. Phone numbers I found on internet said to visit the bank Monday. I went into the branch Monday XX/XX/XXXX and was told they did not have a profile in their system. They gave me a " Chase Identity Theft Protection Kit '' with phone numbers to call. I attempted to call but got minimal response, all said they could not locate a 'profile '. Much later that week, in the mail, yet dated XX/XX/XXXX, I received a letter from Chase Bank stating they were concerned someone was using my personal information fraudulently. That letter told me to file a police report along with other strategic things to protect myself - I had already froze my credit report, filed a consumer statement, etc.. I filed a report with the local law enforcement on XX/XX/XXXX. I again attempted to call Chase and ask them to remove my hard inquiry. Again, no profile. Possibly because they have spelled my name wrong on the inquiry- just a guess? In addition to these measures, I have filed a dispute with XXXX - to no avail. I have recently filed a dispute with XXXX It does not appear on XXXX. While thankfully, there is no actual loan/ credit card extended I do plan on applying for a loan in the near future and this on my credit report is not going to help. I'd like it removed.
Consumer complaint received 2024-05-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Specialized Loan Servicing Holdings LLC (CA)

Its been over 8 days since I have received verification which started this week. There was no requirement to get verification to upload documents when I tried to log into account before. 

This is the first time I tried to login into my account. It states verification code will be text to cell phone. 

Numerous instants I tried it was fertile and I received no verification. I called and spoke to the staff person who stated she transferred the call to loss mitigation. However, call was not transferred but phone was disconnected. 

SLS did not send verification and was not a prior requirement. This is and only purpose is to not accept requested documents for loan medication. Then afterwords foreclose the property.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (CA)

several letters sent to debt collector ( Spring Oaks Capital ) from XXXX of XXXX present asking for proof of debt. attempting to collect from me. I understand that this debt was originally with XXXX XXXX not first bank, and I had an agreement with them. However, I have not entered into any contractual agreement with spring oaks and that I require validation of the debts legitimacy. They could not provide " proof '' of such account stated all they provided was a " bill of sale '' with the number accounts they bought from another debt collector. They are in violation of reporting false information to XXXX credit bureau and should be deleted immediately from my credit report. However, after review of the documentations, I have become aware that there is no account stated **** in Spring Oaks Capital LLC portfolio/Bill of Sale to the alleged debt in question, therefore I have concerns regarding the accuracy and legitimacy of the debt as there is no mention of this XXXX stated. I asked for evidence of such debt and could not be validated on several attempts of sending letters to this debt collector. This does not comply with ( FDCPA ) the Fair Debt Collection Practices Act ( FDCPA ) Since XXXX oXXXX XXXX they have continued to report false information. That's immediate volitation FDCPA
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

On Friday, XX/XX/28 I reviewed by Bloomingdale 's account and noticed that my credit limit was decreased from XXXX to XXXX dollars based on the fact that I missed a XXXX interest fee after paying the account in full a few days previously. When I missed that payment they pulled my credit report and based on history that was the factor in decreasing my credit limit. I initially called and spoke to agent # XXXX I was informed that when I paid the past due amount with her she would transfer me to another department so they could reinstate my credit limit. I asked to be transferred prior to making the payment to ensure that this information was correct. I then was transferred to agent XXXX who then informed me that once I paid I could request a credit line increase. Why would I request a credit line increase, I was told it could be reinstated, by request only i was informed. Why would I, because you would be looking at the same credit report that you decreased my balance on. I finally requested the increase and of course was denied. After speaking with that agent I asked to be transferred to her supervisor only to be kept on hold for over XXXX XXXX when the call " suddenly '' dropped. I tried calling back from my cell phone and the call would drop before it even rang. I then used my landline to verify that the call would go through which it did. The fact that I was punished with over XXXX XXXX of my available credit being removed seems extreme at best. Yes, my credit history is not the best, but it is a history and my history with bloomingdales has been impeccable which is even what the agent expressed to me. I just want fairness and I want to be treated like a human being who doesn't constantly want to be punished for past mistakes.