davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
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)

My debit card for my business was lost/stolen with my cell phone I called Chase went over all the transactions {$25000.00} worth and XXXX  days later they denied my claim I again reached out with the police report of the incident and they flat denied it again, these transactions were not made by me or did I give anyone authorization to use my card, they are fraudulent transactions As a result I will probably have to close my business. 


This is not fare you can't even speak to anyone their.
Consumer complaint received 2024-01-06
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: CITIBANK, N.A. (NY)

I have communicated several times with you ( XXXX ) concerning the persistent presence of inaccurate information on my credit report. Despite multiple notifications highlighting these errors, you persist in reporting incorrect details within my file. This situation not only raises concerns about fairness but also suggests potential violations of legal standards, making it imperative for you to promptly fulfill your obligation in addressing this matter. According to regulations, you ( XXXX ) must take corrective action in response to my request. 

I am formally requesting a detailed description of the procedures employed by you ( XXXX ) to determine the accuracy and completeness of the CITICARDS CBNA account in question. Additionally, if no information related to this account can be produced, I request that it be blocked and deleted from my consumer report. I anticipate the implementation of this corrective action within four days from the date of receipt of this notice. 

Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2018-11-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Regional Processing Services (TN)

First called from a local number then left a voicemail that stated they were from some place called Regional Processing out of XXXX Ga. They threatened legal action stating I owed money to a place called XXXX XXXX and that they were getting ready to file paperwork for legal action and that the processing servers were looking for me as we speak. I do not owe any debt from said company. They have repeated called relatives and others looking for me.
Consumer complaint received 2024-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portafolio Recovery is trying to collect on debt not owed by XXXX XXXX. The debt was opened XX/XX/XXXX by XXXX XXXX XXXX and the other one was on XX/XX/XXXX. Both debt was by original owned by XXXX XXXX XXXX, which have no agreement, and have never done any contract or transaction with them. The amounts for XX/XX/XXXX is for {$1900.00} and is reported as open on the XXXX XXXX credit reports. The other amount is for XX/XX/XXXX for the amount of {$1900.00} and is stated open under XXXX XXXX. When I disputed the first amount for {$1900.00} for XXXX, Portfolio Recovery did not respond back instead they added a new one for the XXXX which was not on my report previously. This deceptively added a new unknown debt to my credit report from source I have never dealt with.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

They make it very difficult to cancel their reporting service. 
1 ) There is no online option to cancel the account. ( Its easy to sign up for the account though ) 2 ) Had to wait for 3 hours on the phone to get someone. 

Its the worst experience I had canceling my account compared to any other organization.
Consumer complaint received 2023-08-30
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. (LA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION (NC)

In XXXX, on XX/XX/XXXX, and on XX/XX/XXXX, my account was charged between $ XXXX in fraudulent transactions from an unauthorized purchase at XXXX. 

Each time I contacted my bank, North Carolina State Employees Credit Union ( www.ncsecu.org, XXXX, Routing Number : XXXX ) to report the fraud, sign a fraud affidavit and place a stop payment on the merchant. 

XXXX continues to allow this fraud to take place a total of XXXX times now! On XX/XX/XXXX, I contacted them asking why my funds were still removed from my account as they allowed this fraudulent transaction to go through a third time. After being on the phone for XXXX minutes, I was told that the fraud department had no way of blocking a specific merchant as other national banks are able to do. They have to " allow '' the fraud to go through, debiting my account each time for a period of 10 days while the fraud is being investigated. 

On XX/XX/XXXX, I contacted the XXXX to find out why my funds are still not in my account after signing the fraud affidavit on XX/XX/XXXX. I was told by the call center representative that there was no record of my fraud affidavit even though there was a record of closing the debit card due to fraud. They then submitted a new report on XX/XX/XXXX, starting the 10 day hold period again! 

On XX/XX/XXXX ( XXXX minute call ), I spoke to a Call Center Supervisor, XXXX, who contacted a Fraud Manager to prioritize the XX/XX/XXXX fraud report given the history and multiple affidavits filed. When asked why the fraud affidavit was not processed when it was received on XX/XX/XXXX, she had no answer and had to investigate why the call center representative who processed the card change form dropped the ball and did NOT properly process the fraud claim. 

In addition, when a new card is issued due to fraud, the call center representative stated, " all the old stop payments and blocks are automatically removed. '' This allows new fraudulent transactions on the newly issued card!! 

This continued negligence on the part of a financial institution has caused me financial harm and they do nothing to protect customers from " known '' fraudulent transactions. After being a customer for over XXXX years, I have NO confidence that XXXX XXXX protect my financial assets going forward.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: COOLEY ENTERPRISES INC (TX)

In XX/XX/2018 I paid {$2400.00} on my existing car loan, with the intent to pay them 6 months in advance. For the last 3 months they have been increasing the balance on my credit report instead of decreasing it. It went from being XXXX to now being increased to almost XXXX. How can that be? I have never missed not one payment. At this time I believe I owe less than what they are reporting and they are attempting to get over on me.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2024-01-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I was threatened to be sued by Portfolio Recovery account # XXXX without being provided with proof that I owed such debt. According to the 15 U.S.C. 1681 law there should not have been any damages on my credit report which was a defamation of my character. I was harassed at least 3-4 times a day by phone. I was eventually served court papers and was advised that I must pay such debt or risk being garnished. Although, I tried obtaining proof of debt prior to being served legal paperwork. On XX/XX/21 I agreed to settle the debt to avoid a judgement against me. I was already laid off my job as a result of covid and this additional burden was too much. I made a decision to agree to something that was not valid. I XXXX XXXX  at the time and the harassment caused emotional distress which resulted to me having a XXXX XXXXXXXX. As a result, I had my baby XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (TX)

I do not owe this debt. I was not notified of this debt. The creditor had my address when I moved ( I am 1000 % sure I gave it to them ), yet the debtor quoted my old address when I called. I did not receive anything in the mail, so I had no time to dispute. I saw this on my credit report. I want this deleted from ALL 3 Credit reports.
Consumer complaint received 2024-04-17
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. (CT)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. 
The information I am disputing is as follows : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit 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: JPMORGAN CHASE & CO. (OR)

On XXXX XXXX XXXX my partner of 12 years died. He was an authorized user on my credit card with Chase Bank. I have been a customer with Chase for 18 years with no late payments and good standing. I have had to close all accounts with Chase due to their predatory practices. I locked the account on XXXX XXXX after his death since I couldn't face calling anyone to have him removed and I couldn't do it on the app with the understanding no payments could go through on a locked card. Then on XXXX XXXX XXXX XXXX, they allowed two subscription charges to go through. These were not authorized as the card was locked but apparently, they allow subscription charges to go through and argue they are authorized. No other bank credit card I have allows this. I called them on XXXX XXXX  and then again on the XXXX to dispute the charges and have them reversed. I explained the circumstances and talked to three different people. The first said I would have to call their charge dispute line during business hours. The dispute line said they said they were authorized and I had to contact the vendor, even though I had locked the card and the authorized user had been dead for two months ( not sure how you authorize charges while dead ). I explained I didn't have that information since the account holder was dead and that these charges or any future charges were not authorized. They said they couldn't help with the current charges or future charges. I was liable and I would need to talk to customer service if anything else might be done. I talked to customer service, they said they could not help. I chose then to shut down my account that I had for 18 years. They then said we want to warn you that even with account closure recurring charges could go through. That is insane! I unequivocally stated that if any charges went through, they were liable as I am closing all accounts with Chase and never doing business with them again. The charges were not even large, just under XXXX in total, but this is about principle. I had been a good customer and this wasn't even escalated to someone with more authority. Their practices are predatory. I did not have any of these negative experiences with any other bank credit cards. It is gross.
Consumer complaint received 2018-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (VA)

Consumer and XXXX XXXX XXXX were involved in an ongoing dispute regarding the underlying credit card account. In or around XX/XX/2018, consumer and XXXX XXXX XXXX engaged in settlement negotiations to resolve the dispute. In a letter dated XX/XX/2018, consumer agreed to settle the dispute. On XX/XX/2018, XXXX XXXX XXXX confirmed the settlement agreement and accepted the agreed-upon settlement amount noted satisfaction in full. Between XX/XX/2018 and XX/XX/2018, consumer heard nothing more from XXXX XXXX XXXX  and XXXX XXXX XXXX sent no further correspondence of any kind. Moreover, no more collection efforts were evident. 
XXXX XXXX XXXX sent consumer a letter dated XX/XX/2018 indicating that the debt had been " charged off '' on XX/XX/2018 and sold to another company called XXXX XXXX XXXX XXXX. Despite the settlement agreement, XXXX XXXX XXXX   continues to report the matter negatively to the credit bureaus. Consumer  contacted XXXX XXXX XXXX to honor the agreement, which required that the matter be reported as settled in full/ satisifaction in full. XXXX XXXX XXXX did not respond and instead continued to report the matter negatively. 
Documentation, to include settlement correspondence and a deposited check, verifies the settlement agreement.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I have 5 loan groups under NelNet corresponding with 5 loans I had taken out for various semesters of school. I activated auto debit on my student loan account to pull a total amount of ~ {$270.00} from my checking account to be applied to the 5 separate loans for the amount due for each loan group every month. 
On XX/XX/XXXX an autodebit for ~ {$270.00} was pulled from my checking account. This was supposed to be applied to the amount due for each loan group. 
The payment was pulled for the correct amount but was only applied to 1 loan group. The other 4 loan groups reported that a payment was made on XX/XX/XXXX but no payment was actually applied and interest continued to accrue between the last payment that was processed on XX/XX/XXXX and XX/XX/XXXX : when my monthly payment was due. The 4 loan groups were reported as current and paid however no payment was applied, no interest or principle was reduced, and my due date was moved to XX/XX/XXXX as if I had made my XX/XX/XXXX payment. The 1 loan group that had the full {$270.00} payment applied had most of the payment go to principle and pushed my due date for that loan forward into XXXX of XXXX. I called NelNet on XX/XX/XXXX who reported that they submitted a ticket to have the payment amounts corrected and to have all future payments corrected should the ticket be processed after my XX/XX/XXXX payment. 
By XX/XX/XXXX the payment was still not corrected and a second call was placed. The representative reported that the ticket was still in progress and could take up to 6 weeks to be completed. During this time interest was accruing on the 4 loans groups that had an erroneously reported payment for XX/XX/XXXX. 

On XXXX I made a payment of {$75.00} to pay down the interest that had accrued on the 4 loan groups that were not paid on XX/XX/XXXX. This was interested that should have been paid with the XX/XX/XXXX payment. 

On XX/XX/XXXX I made my monthly payment to each loan group manually but had I not paid extra interest in XX/XX/XXXX my entire payment on XX/XX/XXXX would have only gone to interest that was left unpaid on XX/XX/XXXX. 


As of writing this complaint, there has been no update from NelNet on the status of my ticket, they have no corrected my payment at all, and I have paid about {$75.00} in extra interest that accrued on my loans due to NelNet reporting a payment being made that was never applied.
Consumer complaint received 2024-03-26
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)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2024-01-02
Product: Credit 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. (NC)

I have reported fraudulent charges in XXXX of 2023 and followed up with Citi Cards XX/XX/23. They had no information and thought maybe someone did not report the charges initially. Citi provided very little details, no case number, no verification the complaint had been recorded. Basically overall customer service is very poor.
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (IL)

This is a follow-up to complaint XXXX which involves forced placed insurance. 
Shellpoint Mtg. promised to refund {$2600.00} for XXXX. I tried many times to send documents which prove I have XXXX insurance through XXXX XXXX XXXX XXXX, but Shellpoint doesn't receive them. I have attached these documents. 
I deeply appreciate you help.
Consumer complaint received 2023-12-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Unable to convert/transfer my capital one venture X miles to an airline - loyalty program. 

Every time I attempted to transfer, it brought me to a verification page which is impossible to get verified. 

Have been calling and spoken to multiple customer services but unable to resolve the issue.
Consumer complaint received 2024-01-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (WA)

XXXX XXXX XXXX Last reported XX/XX/XXXX {$3500.00} Open balance XXXX XXXX Original creditor Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) I have had a XXXX account that has been active. This popped up and they refuse to validate the account. Please delete from my transunion.
Consumer complaint received 2023-12-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I hired an independent contractor to build a porch. We communicated both in person and via email. He said he required no $ down until the job was finished but I then received an email from him requesting 50 %, {$2100.00}, due to the high cost of supplies. I sent it via XXXX to the link he provided. When the job was completed, I said that I had paid him 50 % and he said he had never requested that. I showed him the email and he said it was not him. I contacted BOA immediately and filed a complaint. They temporarily refunded the # but took it back on XXXX after they sent a letter saying they were unable to approve the claim. They furnished the recipient providers name, XXXX, their email, XXXX, and their phone #, XXXX. I went to the XXXX, NY office and spoke with XXXX, who put me on the phone with XXXX from their fraud dept. She said it did not fit their definition of fraud and there was nothing more they could do. I then spoke to one of her supervisors, XXXX, who also said the same thing. He said he was giving it to their scam tracker dept. but that there was no way I could speak with them. IF they recover the XXXX I will get it back. I told him that I was reporting this to the XXXX XXXX XXXX XXXX XXXX who has now forwarded it to you, I believe, and the BOA and also suggested that I file a complaint with your dept who has jurisdiction over the subject matter of my complaint. I do not understand why the BOA is not more persistent in recovering the XXXX We have been with BOA for decades. I am hoping that you can be more affective that the BOA. Sincerely, l XXXX XXXX XXXX