davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

had unemployment sent to an account I had with them but the account was closed cause it was in the negative for {$24.00} and because I haven't used the account in 2-3 months. I was unaware it was closed until the payment was already sent. 
They recommended I open a new account so the money could be rerouted there. As soon as the money hit the account I paid my rent online via ACH. Immediately after the account was closed minutes later. It's under investigation because the Texas unemployment deposit was flagged as fraud. I have proof showing the deposit was in my name and the account is still restricted and not closed out yet. 
After it's closed I still have to wait another 7-14 business davs for my money.

I did research online and found several other Chase customers that experienced similar issues and it seems like some type of glitch in their system. 
I'm facing eviction because I do not have access to my money and the because the payment was returned which caused NSF and late fees. 
If I knew it was a chance of this happening I would have went to another financial institution or opted for a check instead. I took their advice and opened the new account. I want to be refunded for the NSF fees and for my pain and suffering. This has been extremely stressful and my kids and I are suffering tremendously. 

CHASE BANK
Consumer complaint received 2023-08-16
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. (IL)

I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I got a response from TransUnion and XXXX one stating information I provided has been updated and the other saying no credit report file in data base so Im totally confused to why they wont delete these dinosaur accounts thats affecting my credit score and holding me back from progressing in life. And I still havent heard anything from XXXX.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (GA)

I did not know that my chase credit card was charging me a min fee for every XXXX transaction I was making since the card was tied to my XXXX account. I was notified on the XXXX side of a fee that they charge but was never made aware that there was also a significant fee on the credit card side. I was using XXXX to pay friends and family members for small reimbursement purposes and sometimes the minimum fee charged by chase bank was 50 % or more of the XXXX transaction. I feel these charges have been unfair and deceptive since the additional charges from the credit card side are not reasonably visible for a consumer to be aware of these charges.
Consumer complaint received 2023-10-19
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I obtained a XXXX 's credit card managed by Capital One. The credit card offered 6 months payment term for purchases over a certain XXXX  amount. If the the amount is paid within 6 months, the 29.99 % interest will not be charged. XXXX has a similar program which works well and is fair. 

For one of my purchases, I agreed to paying the full amount in 6 months so there will be no interest added to the purchase. I set up a automatic payment option ( offered by XXXX 's Capital One site so the amount due or the minimum payment can be automatically deducted because if you are even one day late, they add XXXX $ late fee plus the 29.99 % interest for the purchase. 

I bank with XXXX which is a reputed bank. The autopayment option for my card was not accepted by XXXX XXXX  because the way Capital one has set their auto payment function. I am told they deduct the entire amount owed and not the minimum payment due or the amount due for that month. For example, if I have a balance of {$12000.00} on my credit card and set up automatic payment terms, Capital one will deduct XXXX from the account. So that is why XXXX does not accept Capital One automatic payment function I fee that Capital one has purposely set it up autopay so they can collect XXXX $ fees for late payment and 29.99 % interest on the 6 months program when some banks dont accept the Autopayment from XXXX XXXX For a purchase of {$1300.00} ( purchase date XX/XX/2023 they charged me XXXX $ cents. interest because the autopayment was denied by XXXX XXXX. 

When you set autopayment, if the auto payment is accepted, we the customer thinks it is in place. Please contact them and get them to refund the interest payment. I have the funds to pay the amount of XXXX $ in full.
Consumer complaint received 2023-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

Please refer to documentation/attachments that are included in this email and update my account to reflect the funds that was sent by me in the amount of {$2500.00} for XXXX and XXXX those funds was never sent back nor applied to my account The only funds that was applied to my account was from the Delaware XXXX XXXX XXXX XXXX XXXX XXXX program which covered up until XXXX ( please refer to attached documentation ) of this year in which then the non returned payment from me in the amount of {$2500.00} should have been applied. Please update my account to reflect XXXX of {$630.00} to be made by me in XXXX of 2024 which is what will be left after XXXX & XXXX is paid out of that {$2500.00}. Thank You.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MD)

My US bank account was compromised and someone accessed my account and did a XXXX Transfer for the amount of {$390.00}. I called the bank and raised this issue ; however bank has denied the claim. As per regulation E bank is responsible for returning unauthorized transactions. The bank has denied my claim and not following the regulations.
Consumer complaint received 2018-05-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery has violated the Fair Debt Collections Practices Act, by continuing to harass me by mail, after I sent them cease of communication letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I have just sent a 5th request dated XX/XX/XXXX. Portfolio Recovery confirmed receipt of my cease of correspondence letters by signing my certified letter with signature confirmation on XX/XX/XXXX and XX/XX/XXXX. See attached documents.
Consumer complaint received 2024-03-14
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. (OH)

I think I've been a victim of identity theft. I disputed the wrong info on my credit report. I don't know how it happened, and I have no suspects. I didn't get any money or stuff from it. Can you please investigate and remove it from my credit file? Thanks. 
XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX Balance Owed : {$1000.00} CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (MD)

This is my second time going and submitting the appropriate information and I keep getting push back when I have provided all correct documents- They keep saying they have reached out to me for a second time but I never get that communication. 


Just as a reminder I have had consultation so I know I have provided the appropriate documents because I called the support line, and they walked me through the process and looked over all my documents so please delete and block the information in the allotted time so that I can move on please. 


I am writing in response to the information I submitted to your company regarding my debt bondage situation. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed were self-attestation notarized, a picture ID, a bill, and a letter from an advocacy group helping me due to debt bondage, which falls under trafficking according to Trafficking-Debt Bondage 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW.

Which I have provided both all of my documentation as well as an attestation validated by a court appointed representative hence the form was read and notarized. Victim determination according to 1022.142 ( b ) ( 6 ) A self-attestation by a consumer ( myself ) who Identifies as a victim of debt bondage which is included in the trafficking CFPB -FCRA FINAL FACT. I have been in therapy since before the final ruling effective date XX/XX/2022, and I have self- attested as well as provided documentation showing I am in group sessions with an advocacy group and my attestation was signed by a State appointed rep from the courts with time stamp and dates. I have provided all appropriate documentation and Im in compliance under the Final Rule which established me as a victim of debt bondage which falls under trafficking. Once again I will Please ask you to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (CA)

On XX/XX/XXXX I mad my XX/XX/XXXXcar payment which was XXXX $ with the processing fee which left my balance at XXXX $ I then made an early payment for XX/XX/XXXX on XX/XX/XXXX of XXXX and asked that the extra XXXX $ be applied to principle On XX/XX/XXXX I made an early payment for XX/XX/XXXX of XXXX and asked the extra XXXX $ be applied to principle balance None of my principle payments have been applied to the balance and the company has not updated my payments since XX/XX/2018 which is 3 months ago.
Consumer complaint received 2018-05-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Commonwealth Financial Systems, Inc. (TX)

I recieved multiple calls from a Commonwealth Financial Systems , Inc. before XXXX and after XXXX  CT on multiple occasions as well repeated calls to relatives from XXXX, XXXX, XXXX XXXX, XXXX XXXX. These appear to be from Commonwealth Financial Systems , Inc .
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Consumer complaint received 2023-04-01
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: EQUIFAX, INC. (OH)

It has been drawn out that Credit Bureaus 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. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 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 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 2023-04-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance XXXX {$30000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$600.00}
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (UT)

On XX/XX/2023 I made a transfer of {$10.00} I made a transfer to Robinhood Financial with the intention of purchasing XXXX and to make sure I could make the transaction successfully. The transaction was successful. On the XXXX of XX/XX/2023 I transferred {$50000.00} to Robinhood. On the XXXX of XX/XX/2023 I transferred {$4700.00} to Robinhood. These funds were to be available to me on the XXXX and XXXX of XXXX to enable me to purchase stocks or crypto assets. On the XXXX of XXXX I purchased crypto ( XXXX  ) for {$50000.00} at the price of {$25000.00} after which I tried sending the assets out of Robinhood to my personal wallet. Error messages came up stating that the amount exceeded how much I could send. When I tried again an error message came up stating my account is restricted from withdrawing crypto at this time. I gave it a 24 hour wait time to retry again but still got the same message. At this time I had {$49000.00} as my crypto assets and {$4700.00} as my cash holdings. This was on XX/XX/XXXX. I tried several times that day but the same message kept popping up so I had to contact support about the situation.I was told that my account was under review and would be processed within 3-4 days max. On the next day ( XX/XX/XXXX ) I got an email requesting my bank statement which I sent them. I didnt get any messages from them until the XXXX of XXXX when I contacted them to ask about the process. I got no response until the XXXX of XXXX when they told me they were waiting for me to send the bank statement. I resent the statement to them. They said it would take 7-10 days. On the XXXX of XXXX I called them again because it was taking too long and because I am a XXXX XXXX  I wanted to make sure that I got my money back. On the XXXX they sent me an email saying they were closing my account with them and they would be selling off my assets to refund the money. On the XXXX I received an email that my stock was sold on the XXXX of XXXX I was told they would be in contact about how I could withdraw the money. I also got another email that my Crypto was sold for {$26000.00}. The market value on that day was {$27000.00}. After that I didnt get any messages from them so XX/XX/XXXX I tried withdrawing from the account but the restriction was still there. I contacted them on XX/XX/XXXX to know when the funds would be available in my XXXX XXXX XXXXXXXX account in XXXX, Utah and was told it would take 15 business days or whenever they got around to it. Meanwhile my bank account was closed at XXXX XXXX XXXXXXXX probably due to lack of funds. I will need to have other arrangements made to send the money to me. I have read stories from others who have had difficulties getting there money from Robinhood and I believe without your help they intend to keep my money.
Consumer complaint received 2023-06-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom this may concern : The following account are unverifiable, inaccurate and reporting them on my credit report is a violation of my rights according to the FCRA. 

1 ) 1 ) XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX 2 ) ) XXXX XXXX XXXX XXXX 
Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account numberXXXX I have tried multiple times to resolve this issue with this credit bureau and they continue to violate my rights. 
I have asked for them to remove the accounts listed above because they can not provide me with any proof bearing my signature making me responsible for these accounts. Therefore, making these accounts unverifiable according to FCRA.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NC)

Contacted Citi AAdvantage on XX/XX/2023, in regards to a credit card statement I received with purchases that were not made by me. The company has terminated this card and I will not be charged for the purchases and or fees
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

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 XXXX 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 2024-03-14
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)

Im writing to you today asking for help to inform that I am a victim of identity theft. Per FCRA section 605b CREDIT BUREAUS are required to remove any item listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of ITEM which do not belong to me or were opened without my permission. XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX Inquiry Date : XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Im writing to you today asking for help to inform that I am a victim of identity theft. Per FCRA section 605b CREDIT BUREAUS are required to remove any item listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of ITEM which do not belong to me or were opened without my permission. XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY (NJ)

I was called today by the XXXX XXXX XXXX XXXX about student loan forgiveness they were able to get all my information and they seemed like a scam. I spoke to someone named XXXX XXXX and he wouldnt give me his last name. They were to send my information to me but never did. Im nervous that my identity will be stolen.
Consumer complaint received 2017-12-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (AZ)

Received two calls ( with automated messages - no info about the debt ) within an hour on XXXX/XXXX/XXXX at XXXX and XXXX. I have not received any written letters about any debt that I owe.