davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

In XXXX, we got a call by the Chase bank on XX/XX/XXXX that they has cashed an IRS check dated XX/XX/XXXX for XXXX ( our company tax return check ) and advise we contact IRS to reissue a check to us. IN the phone call, they provide us with the check number and issuer and the person who cashed the check. 

We had reach out to IRS through our company accountant and submitted a 3911 from and follow up on the re-issued check since then. We have follow up twice on XX/XX/XXXX and XX/XX/XXXX We had finally received a respond from IRS that the check has been cashed, so the case is closed on XX/XX/XXXX. 

We have reached out to Chase and the branch manager search their record and shows the account has been closed by chase and flagged as account with suspicious activity back in XXXX and not active. I was advise they can't further assist me since I don't have an account with them. 

Chase has cash a government check that is not negotiable to a person that is not my name and is not responding to my request to have any further clarification or assistant, and said the only check issuer ( IRS ) can request information on this matter. 
It is my understand IRS will not act on this if they never report this to IRS as a check that has issue. 

Please let me know if you can assist us since we have not getting any
Consumer complaint received 2024-03-21
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I was contacted by CitiVisa for some charges to my account. XXXX XXXX XXXX XXXX  {$1400.00}, XX/XX/2023 XXXX {$970.00}, XX/XX/ XXXX {$430.00}, XX/XX/2023 XXXX {$130.00} They did not want to set aside the charges instead they ask me to continue paying the interest.
Consumer complaint received 2023-12-12
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I received an Amex Gift card from my employer, and have tried to use it multiple times, it never works anywhere online. Since its a virtual card I am only able to use it online. 

I have called Amex multiple times to find a solution and they only say to keep trying, that's it. NO answer NO resolution. So basically, they have my money, and I can't do anything about it.
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

Nelnet is purposely making repayment in full impossible in order to add additional balances under the guise of " accrued interest. '' Nelnet does not have a " Pay in full, '' option - instead the site directs borrowers to calculate a " Payoff Amount '' as of a certain date. On XX/XX/XXXX, I selected XX/XX/XXXX as the " Payoff Date, '' obtained the " Pay in Full '' balance in the approximate amount of {$9600.00}, and submitted that amount as payment. When I logged in the following week, it showed a balance of approximately {$51.00}. This amount would represent approximately XXXX full months of interest. Frustrated, I attempted to call the servicer - I was on hold for over XXXX hours and gave up. Although I believe adding a full month of interest within XXXX week is fraudulent- I didn't want to fight over {$50.00} so I tried again to pay the account in full. I set up a " Payoff Date '' of a little more than a week in the future ( for XX/XX/XXXX ). It would NOT let me pay any more than what was indicated as owed ( for example, I tried to pay {$60.00} for the " payoff amount '' of {$58.00} to avoid more " accrued interest '' but it would not let me- it only allowed me to pay the " Estimated Payoff Amount '' as of XX/XX/XXXX ). I logged in on XX/XX/XXXX - each loan group had a balance of {$0.00} and indicated " Paid in Full '' under repayment status. I thought it was odd that I did not receive a payment in full email confirmation, so I logged back in on XX/XX/XXXX to find more " accrued interest, '' this time in the amount of {$.00} on XXXX of the loans. This is fraudulent, inaccurate, and a deliberate scam to milk honest borrowers out of every possible cent. I emailed, attempted to call ( on hold again! ), and tried their joke of a chat bot. No response.
Consumer complaint received 2023-12-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: Driveway Finance Corporation (IL)

On XXXX  i signed documents for a car loan XXXX XXXX with driveway finance for a XXXX XXXXXXXX XXXX  to be delivered from driveway.com. Driveway financed has verified this loan is open and it's present on my credit file at XXXX XXXX XXXX XXXX When I tried to set up delivery with driveway.com they are saying that the loan is not in their system. I contacted them almost 2 weeks ago and was only able to Speak to a guy named XXXX at Driveway.com that said he would look into it. I have not gotten and update from him and every time I call I only get voicemail now and no one ever returns my voicemail
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I attempted to contact XXXX XXXX XXXX & XXXX XXXX multiple times since XX/XX/2018 and even sent a written correspondence requesting that they remove an inquiry that was reported on my Credit Report that I did not authorize. 

They informed me that they have no information on file for me. They told me they would have the inquiry removed and never removed it. 

I tried to reach out the all three credit bureaus ( Transunion, XXXX & XXXX ) and was told they will not remove any false or inaccurate inquiries and I would have to contact the " furnisher '' myself.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (OH)

XXXX XXXX was deleting and still reporting as it was deleted as i did not own the account. 
XXXX XXXX XXXX was deleted but still reporting. 

XXXX XXXX is reporting twice as XXXX and should only be one charge of XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I noticed some unusual activities on my checking account where my debit card ending in XXXX was used. The transactions in questions are : XXXX XXXX {$67.00}, XXXX- {$22.00}, XXXX XXXX  {$59.00}, XXXX XXXX XXXX, XXXX XXXX XXXX. There were also some other charges were someone called and had some of my previously paid transaction reversed. My account has been compromised and I also filed a complaint with the FTC ( Report number : XXXX ) and CFPB ( XXXX ) after I got over some of my embarrassment. Both of these report were filed on XX/XX/XXXX. On XX/XX/XXXX Chase bank reversed the credit and is charging me for these fraudulent charges.
Consumer complaint received 2017-09-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NC)

For a mobile transaction, this is your receipt. For all other transactions, this is a summary of your online receipt. 

Your tracking number ( XXXX ) is : XXXX Transaction Date :XX/XX/XXXX XXXX ET Payment Method : Card Number : XXXX XXXX Delivery Method : At any agent location in receiver 's expected payout location. 
Sender : Name : XXXX XXXX Address : XXXX XXXX XXXX City : XXXX State : NC XXXX : XXXX Phone Number : XXXX Receiver : Name : XXXX XXXX XXXX City : XXXX State : TAB Country : XXXX Expected Payout Location : XXXX, TAB, XXXX Payment Information : Card Type : XXXX XXXX Number : XXXX Expiration Date :XX/XX/XXXX Transaction type : Purchase Payout Information : Today 's Date : XX/XX/XXXX Date available in receiver 's country :XX/XX/XXXX Delivery Method : At any agent location in receiver 's expected payout location. 
Billing Summary : Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Promotion Discount : - XXXX USD Total : XXXX USD Any promotion discount already has been applied Transfer Summary : Exchange Rate : XXXX USD = XXXX XXXX Transfer Amount : XXXX XXXX Total XXXX XXXX For all transfers, receiver may receive less due to foreign taxes. For transfers to a bank account, receiver may also receive less due to fees charged by the receiver 's bank. 

You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days of the date we promised you that the funds would be made available to the Receiver at XXXX or https : //care.westernunion.com/us/en/ask You can also contact us for a written explanation of your rights. 

Subject to applicable law, you may cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited.
For inquiries or comments, please visit https : //care.westernunion.com/us/en/ask, e-mail Western Union or write to : Western Union Financial Services , Inc . 
XXXX XXXX XXXX, XXXX, CO XXXX or call : XXXX For questions or complaints about Western Union, contact : Consumer Financial Protection Bureau XXXX XXXX ( TTY/TDD ) http : //www.consumerfinance.gov/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX http : XXXX  Western Union also makes money from currency exchange. 

If your payment method is a credit or debit card please note card issuer cash advance fee and associated interest charges may apply.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (VA)

Going over my student loan and online I am missing statements from XXXX XXXX and there are missing statements as well from XX/XX/17 to XX/XX/17. 

On all of my billing statements they show some fees but none of the fees make sense. I have spoken online a few times about the situation and they seem very helpful and want to help but still nothing gets accomplished. 

I have filed a dispute on credit report but now I cant even find the account on any of my credit reports. 

I was late on making payments but having the conversation online with a chat representative because that's the only way to actually get a hold of someone. and They said my late payments should be removed and they weren't and now the account is just gone. But they have me okay for some months during my rehabilitation process and then out of no where I'm late and my payment is late again when it is set up on automatic repayment plan. Now every time I go to check my bill it says that there is a 0 balance due. I reported this last month and then this month it happened again. I'm just confused and it is just unprofessional. I do not trust them with my student loans and want to know where my money is going and to what and why things are just appearing and disappearing.
Consumer complaint received 2024-03-21
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)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-12-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (SC)

I received a response to my previous CFPB complaint regarding the account Midland credit management acct XXXX stating that this debt was purchased from another creditor and that the inaccurate information was not placed on my credit report by them. As you have mentioned in your response the FDCPA governs you collection practices and you have admitted to so many violations. If the original creditor which is XXXX XXXX has charged off the debt that loss was placed on their XXXX return which would make the debt be written off. At the same time a XXXX should have been given to me to file on my tax returns because that charge-off would be considered to be gross or ordinary income according to the IRS. Now you have just admitted that you purchased this charged off debt which is illegal because that would mean though XXXX XXXX wrote it off they were still compensated for the sale of the alleged debt. Now 15 USC 1692f ( 8 ) clearly states that Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Your company has violated this law along with 15 USC 1692e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. You have violated my privacy rights by admitting you purchased my personal information from another company.
Consumer complaint received 2023-12-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XX/XX/2023 I applied to Citizens Bank for a VA Cashout Refinance Loan. After some initial steps, an appraiser was sent to my home, On XX/XX/XXXX I was supplied with a list of repairs that had to be addressed in order to " meet all VA minimum property requirements. '' I was told that once all of these issues were handled, I would only have to await a closing date. The repairs listed were : install handrail for basement stairway, install handrail for front porch steps, cover switch at bottom of basement stairs, sump pump cover, scrape and paint various areas of house and garage to remove chipping & peeling paint, and hire a licensed mold contractor to determine if discoloration on basement walls is mold. I attended to all of these issues. From the beginning, my contact person was loan officer, XXXX XXXX. On XX/XX/XXXX, I informed him that all of the repairs were completed. A few days later I began to receive emails from mortgage processor, XXXX XXXX. On XX/XX/XXXX she sent me an expanded list of requirements that had to be met, which included : XXXX ) House and garage roof inspection/repairs. Contractor must state amount of remaining life expectancy in the roof ( s ).

2 ) Structural inspection of the crawl space foundation/ 3 ) Furnace/boiler to be inspected and all repairs made and listed in good, working condition.

4 ) Licensed contractor to determine cause of water infiltration and repairs needed.

5 ) Licensed mold contractor to test for mold in the basement walls and floors. 
None of these items was on the appraiser 's list. On XX/XX/XXXX she informed me that repairs of the house and garage roofs and the foundation would have to be completed before closing. 
My purpose for the VA Refinance Loan was to take care of these repairs. This seems cruel to take me through 4 month long process only to be told I have to make repairs that I need a loan to make.
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX Re : Capital One Fraudulent Actions XXXX XXXX XXXX XXXX Products XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Acct # XXXX XXXX XXXX XXXX In XXXX of this year, I received a letter ( see attached ) from Capital One stating that according to federal law they needed additional information to prove my identity. As per the instructions, I faxed the completed form along with copies of my drivers license and passport. After a couple of weeks with no response from them, I phoned and asked the status of the review. After being placed on hold for a long time, I was told that the copies of my license and passport were not clear enough and that I needed to re-send them. So, thinking that the process of making copies and then faxing them XXXX have degraded the images, I printed copies and mailed them. After no response for several weeks, I called and asked the status. Again, I was placed on hold for a long time and then was told that the copies I mailed were not clear enough. Next, I mailed enlarged copies and verified that everything was legible. After several weeks and no response from Capital I called again. This time I was told the account was closed. 
Other than the letter I received in XXXX, I have not received any communications from Capital One regarding the status of my credit card account. I have an XXXX credit score. I pay my bills on time. There is no other reason for them to close my account other than to take my {$950.00} credit balance and my XXXX points that I earned. This whole scenario smacks of fraud. It is obvious that closing my account and keeping my points creates much quicker profit for them. Capital One can run their business any way they choose, and if they want to close my account, no problem. They should not be allowed to steal my money and earned points.
Consumer complaint received 2023-12-12
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: TD BANK US HOLDING COMPANY (FL)

I reviewed my credit report XXXX and was in complete shock with multiple duplicate inquiries I seen negatively impacting my credit and without consent. All on my XXXX credit report I have NEVER heard of a company called : XXXX. XXXX  XXXX XXXX XXXX that appears on my XXXX Credit report XXXX XXXX. TD Auto Finance inquiries XXXX The below listed company did XXXX inquiries on my credit report which is excessive. XXXX XXXX  XXXX, and XXXX. XXXX inquiry for an approval should be suffice, not XXXX.
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NJ)

i have been getting calls from XXXX recovery for years over a debt that iiiis not mine. it's the same name but not exact to my own. ive asked them to send me the info showing i applied for the credit and they have not been able to show anything. the statement they provided is for a " XXXX XXXX '' however i have never gone by that name ever especially when applying for credit. it's a XXXX name not a legal name. I asked for them to verify the actual applicaation submitted to the creditor and all they submitted to me was a statement which proved nothing as i suspected.
Consumer complaint received 2018-09-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am attaching a copy of the letter than my husband XXXX, and I, mailed to the credit bureaus on XX/XX/XXXX. The bureaus are supposed to investigate the accounts we listed, and respond within 30 days. XXXX  DID respond, but XXXX  and Trans Union have not.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

I basically lost my card before I left the us for vacation I saw the transactions 2 days later so I called them & told them they gave me my XXXX & I was good It wasnt until a month later I check my account & its negative with the same amount they gave so I called & told them & they said that happens sometimes & I owe them money now. I also asked what can I do to fix the problem & they never told me