davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

I had a business banking account with Chase. One day I was out trying to use my card and it declined. I called the bank and they informed me my account was restricted and they couldn't tell me why. Later, they said my account would be closing due to reasons that were unknown. My account closed on XX/XX/year>. Chase told me all the remaining funds would be mailed to me within 7-10 business days of account closure. On multiple occasions I was told my check was mailed out on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Today is XX/XX/XXXX and I was told my check hasn't even been sent out. I requested they send the check to a new address since I never received it. Chase is telling me this is an issue on the back end of the bank and I'm not able to speak to them in regards to this continuous problem. Apparently chase has been lying to me to me this entire time about my check being sent out, it has been two months and I still don't have my funds. I have been severely inconvenienced without my funds and without my account closing with no reason.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (FL)

This company is resporting inaccurate information on my credit report. Theyre reporting a delinquent balance on a closed account since XX/XX/year>. The amount is also inaccurate. The FCRA states that everything reporting on my credit report should be accurate.
Consumer complaint received 2024-06-24
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NY)

I just received a letter from XXXX, which I have been a Loyalist for years, pay above amount due on time all the time, etc. that as of XX/XX/year>, They intend to raise the XXXX interest rate to 34 %. This has to be illegal what they are doing and needs to be looked into. And I have a Great Credit rating. Appreciate your assistance in this matter.
Consumer complaint received 2024-06-18
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

On XXXX XXXX I checked my credit report on XXXX & I notice XXXX hard inquiries from XXXX companies from XXXXXXXX XXXX Im unaware of, I didnt make any payments or purchases & unawares
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

There is a second midland credit account on my collections thats obviously not mine as no cradit company would issue a second and larger line of credit to someone that was already in collections with them mmmm Im guessing its probably my dads as Im a XXXX XXXX we have same name
Consumer complaint received 2024-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank America closed a Credit Card saying that I had applied for some sort of debt relief or government benefits and because of that they closed an account on which I had not ever missed a payment and could easily payoff. I ask for the source of information and they just said it came from my social security number- i have checked all three credit reports and there is no adverse information or information regarding this and my XXXX score are good to high. There are no public reports indicating such action.They also refused to provide the benefits I had earned on that card through accumulation of points. They provided no help just gave me the run around sending me to different phone numbers.
Consumer complaint received 2024-06-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION (OK)

Recovering from a XXXX XXXXXXXX, my payment was eight days late. Now nine days late the company calls every hour from XXXX XXXXXXXX XXXX XXXX XXXX. When I answer, they hang up. Finally when someone talked to me they informed me that regardless of my health and the detriment to it I would continue to get calls. They are correct as it has continued today. I have made every attempt to help them understand I have no way to make the payment at this time or make a payment before my XXXX starts paying.
Consumer complaint received 2024-06-22
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (GA)

I tried to use my U.S. Bank National Association Gift Card ( debit Visa ) on XXXX on XX/XX/XXXX and XX/XX/XXXX ; however it did not process. So I tried again on XX/XX/XXXX to use the card on XXXX but still same issue. So I called the number on the back of the card to officially register it, assign a pin and add my contact info and address. I went back to XXXX to try and use and still several failed attempts. I went online to their site to double check that my info was correct and it was. I called the number again on XX/XX/XXXX and spoke to someone in customer service who advised that I clear my browser and not save the card. I cleared my browser went back on XXXX and still same thing. Even tried on my phone and still same thing. This is not a usable card. A friend spent their hard earned money to gift me a card for my birthday and now their money has gone to waste with the only benefit going to the company.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (DE)

On XX/XX/year>, my Apple Card was unexpectedly closed by Apple without any prior notice or explanation. This sudden action has left me without access to my credit card and its associated benefits. Despite multiple attempts to contact Apples customer service for clarification and resolution, I have received no meaningful information or assistance. I am deeply concerned that this decision may be discriminatory, as I have been given no valid reason for the closure, and my account was in good standing. The lack of communication and transparency from Apple regarding this matter has been highly frustrating and has caused significant inconvenience.
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Chime Financial Inc (NJ)

Thursday XX/XX/2024 Transaction XXXX  unauthorized withdrawal of {$500.00} at XXXXXXXX XXXX Thursday XX/XX/2024 Transaction XXXX  unauthorized withdrawal of {$1300.00} at XXXX XXXX unauthorized withdrawal of {$300.00} & XXXX unauthorized withdrawal of {$37.00} & XXXX unauthorized withdrawal of {$27.00} Chime bank has been aware that suspicious transactions were occurring starting with XXXXXXXX XXXX  I called & they blocked after that I woke up in the morning my money out of my account not only was it gone I had verify myself to get access to my account I never have before so chime wax aware before me which I dont know why I was not contacted.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX and the last four of my social security numer is XXXX. I recently was denied for an apartment. I received my Tenant Screening Report and was appalled that Transunion Tenant Screening is reporting fraudulent information that do not belong to me. Did you confirm my full identifiable infortmation as in my full social security number, my full date of birth and my personal identification? You must not have because you would not have posted this information in my consumer file. You are reporting XXXX evictions under XXXXXXXX XXXX XXXX XXXX XXXX SEARCH and they are the following : Case # : XXXX Plaintiff : XXXX XXXX XXXX XXXX, Case # : XXXX Plaintiff : XXXX XXXX and Case # : XXXX Plaintiff : XXXX XXXX XXXX XXXX XXXX. I HAVE NEVER LIVED IN THOSE PLACES. I have attached with this complaint a copy of my FTC Identity Theft Report. The Federal Credit Report Act Under 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have attached with this complaint a copy of FTC Identity Theft Report. Also 15 U.S. Code 1681c2 - Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer. PLEASE REMOVE THIS FRAUDULENT INFORMATION FROM MY CONSUMER FILE WITHIN 4 DAYS OF RECEIVING MY IDENTITY THEFT REPORT PER FEDERAL LAW. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the accuracy, privacy, and fairness of credit information. Violations of the FCRA can lead to civil penalties, including monetary damages, for those found to be in non-compliance. if a consumer can prove that a credit bureau 's violation of the FCRA was " willful '' ( reckless or knowing ), they may be eligible to recover damages. These damages can include Actual damages, Statutory damages : Between {$100.00} and {$1000.00} for each violation, Punitive damages : Based on the harm caused by the violation and what would be needed to deter similar violations in the future. I am a litigious consumer and one of the FCRA violations I can fie a lawsuit is your Failure to Delete inaccurate information. I have attached a copy of my passport for identification purposes as well.
Consumer complaint received 2023-09-11
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: EQUIFAX, INC. (PA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CAVALRY INVESTMENTS, LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. They also cant verify my identity by showing roof my social, ID, and personal handwritten signature. They stalled me by saying they investigated it but there has been no update on my report. Please see the attachment below they have been using my credit report to slaughter my image and future with false allegations
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint personally to address an issue regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters concerning this matter over 30 days ago, I have yet to receive a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this matter promptly and efficiently.
Consumer complaint received 2023-08-28
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. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$430.00}
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

In 2016, a government-backed debt security was used to acquire a {$4000.00} credit line for the beneficial use of the trust estate in discussion. Once credit was acquired, JP MORGAN CHASE & COMPANY assumed equitable interests, violating their fiduciary duties. The management delineated by JP MORGAN CHASE & COMPANY has verified deceptive sales practices, in concurrence with indications of illegal insider trading.

Through the exclusion of material facts, JP MORGAN CHASE & COMPANY has undervalued the equitable interests of the trust estate, causing damages. Their exclusion of material facts has caused them to devise a scheme to defraud, using the United States Post Office for the purpose of executing a scheme on a government-backed security.
Consumer complaint received 2023-04-11
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. (TX)

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 U.S.C 1681. 
Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has Violated My Rights. 

15 U.S.C 1681 Section 602 A " States I have the right to privacy '' 15 U.S.C 1681 Section 604 A Section 2 " States A Consumer Reporting Agency Can not Furnish an Account without My Written Instructions '' 15 U.S.C 1681c ( a ) ( 5 ) Section " States No Consumer Reporting Agency may make any Consumer Report containing any of the following items of information Any other adverse item of information other than records of Convictions of crimes which antedates by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) " States 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.
Consumer complaint received 2024-06-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

in accordance with the Fair Credit Reporting act -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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-06-24
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: Incomm Holdings Inc. (NJ)

I have several Visa debit cards issued by XXXX and serviced by Incomm which have been locked or blocked and I am unable to use. This has happened to me previously and requires a lengthy phone call to obtain replacement cards. I have had to call about 6 times already for other cards to have this resolved. I know of other individuals who are or have experienced similar issues. I can provide card numbers.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (VA)

I contacted lvn funding and told them XXXX a victim of Id theft and I never did business with lvn funding I do not have a account with XXXX XXXX XXXX XXXX and I do not give them permission to report fraudulent accounts on my credit report The company told me that they will continue to report fraudulent charges on my credit report Regardless if I never signed no contract that makes me obligated to lvn funding or XXXX XXXX XXXX XXXX  My information was stolen and being pass around with 0 consequence
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MA)

My Fair Credit Reporting act consumer rights have been violated. The account listed below have XXXXXXXX : Account number XXXX, Youve reported different dates under date of last activity. Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report. DELETE THIS ACCOUNT violated my federal given consumer rights to privacy amongst other things. 

15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumerto anyconsumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


PLEASE SEE ATTACTHED EVIDENCE DOCUMENT
Consumer complaint received 2024-06-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

On XX/XX/year> my wife and I sold our home in XXXX XXXX, CA. and moved to XXXX, NV. We had a escrow account refund balance due to us and we were told that it would take approximately 20 days for us to receive it. At this time we provided our new mailing address to our mortgage company Pennymac. On XX/XX/year> we called PennyMac to check on the status of our refund. We spoke with XXXX ( Customer Service Rep ) who informed us that the payment was being processed to mail to our old California address and not our new address. We were confused since we had previously provided our new address to PennyMac on XX/XX/XXXX. We updated our address again but XXXX suggested that we sign up for E-Disbursement which would allow Pennymac to deposit our refund into our bank account and get our funds quicker. She said this process would take approximately 4-8 business days to happen. We called Pennymac today ( XX/XX/XXXX ) to follow up with them and were alarmed to find out that Pennymac had mailed our check out on XX/XX/XXXX to our new address. Our complaint is that if they were going to mail the check why did they suggest that we provide our bank information to them without even using it. We have had issues before with providing our bank information and getting burned because of it. Pennymac is a huge corporation and we would not like it if our bank information was compromised in any way. We spoke to a Supervisor ( XXXX XXXX today and she didn't have any logical reason as to why this occurred.
Consumer complaint received 2023-08-28
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. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX  XXXX Balance : - XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$36.00} XXXX  XXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX