davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have had an account with Kohls for over 10 years. Went online to pay my bill only to discover after two days of trying that I could not link my card for payment ( something I have never had to do in the past ). When I called they could not find my account because I was one of the accounts selected for an upgrade to a Capital One Visa. They provided me with the Capital One # so I could pay my bill. I asked repeatedly how my information could be given to another company without my permission with no good response. When I called Capital One they stated that they had sent me a new card in the mail. At first I told them I did not receive it but realized I likely did and threw it away. As I have no known account with Capital One and receive a disgusting amount of credit offers daily. I did not give Kohls permission to give my personal information to Capital One, nor did I accept a new account with XXXX. yet I am being told that is who I now have to lay my bill to. I will be trying again to pay online and at the store as my due date is tomorrow XX/XX/17, since I feel like this payment to Capital One will be some kind of underhanded way to show I accepted the new account. The Kohls account represented my longest credit history account at this time and if it has been closed and reopened under Capital One then it is now useless in that regard and I will be paying it off and closing the account. I have had a previous dispute with Capital One that resulted in a judgement on my credit and I refuse to do business with them again- another reason I would have not even opened what I thought was a credit account offer.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

Chase called me stating my name needs to be taken off businessaccout or they were closing business account. They told me they reserved the right to do so when asked why and gave me a XXXX # to call. I called and rep stated they reserve the right. My business call me and told me it was due to an account I had that had check fraud. I put in a compliant Chase executive office sent letter stating they can close at any time based on The deposi account agreement. Not only did they defame my character I never had an open account with Chase that had check fraud. They refuse to send evidence or get out information to myself.
Consumer complaint received 2023-07-16
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: EQUIFAX, INC. (FL)

In Accordance with the Fair Reporting Act, The listed account below has violated my federally protected consumer rights to privacy and confidentially under / / 15 USC 1681. 

Acct Name : XXXX XXXX XXXX / / Acct # XXXX Acct Name : XXXX XXXX XXXX / / Acct. 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. Also, States 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 or any other adverse item of information, other than records of conviction 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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (TX)

There is an account on my credit report from " OFFICE OF THE ATTY GEN '' which does not belong in my credit report and it is reporting totally inaccurate information across all Credit Bureaus. XXXX reports that I am 180 days late. XXXX reports that I am 120 days late while XXXX reports that I have no late payments. This is a complete and blatant violation of the FCRA especially considering the fact that federal courts have already issued a ruling on this matter. Here is a summary of said ruling : " Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. 
The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. '' I am demanding that the above mentioned credit bureaus be forced to abide by the FCRA and remove this account from my credit report immediately.
Consumer complaint received 2023-09-25
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. (NY)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (GA)

I deposited {$100000.00} with Marcus on XX/XX/15. On XXXX I tried to access to add more funds, only to find that they had locked my account. I called, the rep had no information, other than they will not allow access to my funds, and will not tell me when they will either allow me access or return my funds. I have called 4 times, XXXX, XXXX, I have spent HOURS on hold, spoken with XXXX, XXXX, XXXX, XXXX XXXX XXXX ) and XXXX, and nobody there can give any answer other than to wait another 5-7 days and call back. This is unacceptable behavior from a supposedly professional company. 

How do I get my money back?
Consumer complaint received 2023-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (SC)

Correspondence and documents attached outlining my complaint in a letter dated XX/XX/2023 to the Chief Operating Officer of Amerisave Mortgage. 

My basic complaint is that not enough time was allowed to make the necessary changes that went into effect XX/XX/2023. Letter from Amerisave received XX/XX/2023 which did not allow me enough time to create a new on line account with XXXX XXXX, which needed a profile on me together with providing a good email address and a new Password. Frankly, my week was already lined up with doctor appointments, planning for the XX/XX/XXXX XXXX, and keeping abreast of many everyday responsibilities. I wrote a very frank letter to Amerisave Mortgage explaining that the timing was too short and that a 30 day window should have been allowed for such an unexpected change. 

This is the second time in a two year period that Amerisave Mortgage has sent notices to their customers regarding a Notice of Servicing Transfer. You will learn more details when you peruse my attached documents.
Consumer complaint received 2018-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I received a XXXX  Grant that was serviced through XXXX. Terms are -- 4 out of first 8 years of XXXX  service must be spent XXXX  in a XXXX XXXX XXXX, in a XXXX XXXX. 

Each year you must certify that you have fulfilled your yearly XXXX  duty, or certify that you did not complete it -- but intend to complete the 4 year term before your 8 years are up. If this is not done annually, the grant turns into an unsubsidized loan. 

In my fourth and FINAL year needed, XXXX converted my grant to a loan citing that I did not certify my service for the year. 

-- I completed the electronic paperwork through my account on XXXX that certified the XXXX  I XXXX  at, my contact information, and my field of XXXX. 
-- I printed the PDF ( and saved a copy to my PC ) that can ONLY be printed after filing that my yearly service was completed. 
-- I had my principal sign the paperwork, and mailed it to the PO BOX I have mailed ALL of my previous 3 certifications to without issue. 

XXXX said they did not receive the paper, so they converted my grant to a loan because I did complete the annual service agreement. 

When discussing this with employees # XXXX and # XXXX I urged them to look at my account history, where they would clearly be able to see that I filled out the e-paper work ( which wouldn't show proof that they received it, but at the very least proof of INTENT on my part to continue my service ). 

However, according to these employees, when the grant converted to a loan all of my XXXX  Grant account was erased. According to them, they can not look up any previous data or find any prior information about my grant  because that is the procedure when the grant converts to a loan. This can be confirmed on my part as well, because in my XXXX account there is no ability for me to look at my archive. 

If we could see my archive, we could see proof that I did indeed fill out the paper work, which at the very least should prove my intent to fulfill this agreement, even though they conveniently did not receive my paperwork in the last year of my service. 

My principal would prove that she signed the paperwork, and if we could look at the date stamp on my erased account we would see that it was filled out on time.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (IL)

I have contacted Equifax several times to inform them that there is information from a company called XXXX XXXX on my consumer report that should NOT be visible on my report. I have NOT given them written consent to report this company and Equifax is aware of this. This is aggravated identity theft. See attached document.
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (ND)

Someone has gained access to all of my online accounts, including XXXX, I've called PayPal and given them my social and my license I even have my birth certificate but the lady said I'm not me because the social is different and hung up. Any cash that goes through it is used, the statement for my other account is obviously different because they think its a different account, I've not accessed that one in years, o have a substantial amount of money from a loan in it I can't touch and the company is going to try to prosecute, I have receipts of the money leaving my account and all I can do ask for help.
Consumer complaint received 2020-07-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (NY)

My father passed away on XXXX. I have called Kia Finance 10 times spoken to 20 people and faxed the death certificate 6 times. Kia will not accept the return of the deceased 's car. Kia keeps telling me that they never received the paperwork although it has been sent 6 times. This is an attempt to continue to accrue fees and frustrate the return of the vehicle.
Consumer complaint received 2018-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BB&T CORPORATION (CA)

I'm very dismayed by my recent interactions with BB & T. After many years as a devoted customer, my beloved mother passed away. I've been attempting to close my mother 's BB & T checking account. I live in California. I've been told to fly 3,000 miles to come in person to a Florida branch to close it. I'm the only beneficiary. I have a trust account at a different bank and I have all forms required ( will, trust paperwork, notarize death certificate ). BB & T will not allow me to close my mother 's accounts. In the age of internet banking, this is not a feasible option. My mother 's other banks all provided online forms or requested notarized copies of materials. How can there not be other options? I've spoken to people in the corporate offices several times and the only other recommendation they offered was consider flying to Texas and going into a branch there as it is a bit closer. This is something that has happened to many others I've learned as I researched the BB & T complaints which are extensive on the consumer protection websites.
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Atlanticus Services Corporation (GA)

I have a new account with Fortiva and the first payment was due XX/XX/2023, they have reported the account 30 days late on XX/XX/2023!! I called and spoke with a supervisor over there on Friday XX/XX/XXXX. Her name is XXXX, she advised me the account was not reported late. I advised her that I have proof from XXXX and XXXX that account has been reported late.. I would like for them to resolve this issue and correct error reported to credit bureaus!!!!! This is hurting my credit file and was done in error!!!!!!!!
Consumer complaint received 2023-11-16
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc. (GA)

I received a 30 day late on my credit report. I wasnt notified until my credit scrore dropped. I filed a complaint for the wrong doing and included my email. I reveived an email from them today and this hasn't happened until I included my email on the complaint. This company is using tactics to cover up not properly notifying me before ruining my credit.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

This mistaken late payment on my account is causing me considerable distress, especially considering my history of punctual payments. I am appealing you to correct this error promptly by removing it from my account, as it does not accurately reflect my payment habits.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

Remove all ID THEFT FRAUD inquires related to these accounts per FCRA : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ID fraud accounts to be removed : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TD BANK TARGET ALL ADDRESS DOCUMENTS 2 forms of ID, bank statement, police report, FTC ID THEFT REPORT and validation attached.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Experian, XXXX, AND XXXX have protected an entity called COURT. No address no other information to identify who is doing inquiries on my credit report as much as they did. The reason Fico, Experian, XXXX and XXXX protects this company is to intentionally reduce a persons credit score and credit rating. Im atttaching all Experian provides who this is.
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Texas Guaranteed (IL)

XXXX discrimination against me XXXX XXXX charged my grandma XXXX and me XXXX from my mothers insurance death benefit. I lost XXXX XXXX XXXX XXXX  as well by CDC standards because of the XXXX XXXX XXXX manipulation techniques utilized in the dormitory. Resulting in prolong adherence to nonsense coating my XXXX addition in property and other acquisition like XXXX XXXX sec report for XXXX XXXX XXXX and XXXX as well.
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

We received a shady late night email from Chase Payment Tech merchant services on XX/XX/year> that they were going to " close our account '' on XX/XX/year>, ie, the next day, today. The problem is not only that they gave us less than 1 days notice, but also that they have been holding more than {$15000.00} in our XXXX XXXX XXXX retainer funds for the past 2 weeks, when they are supposed to release our funds within 1-2 business days. I called these XXXX XXXXoday and the XXXX on the phone boldly told me that they are " going to hold our money for 6 months. '' Well, I certainly lost my patience at that point and yelled at her in an understandable excited utterance. Please investigate and advise on these modern day highway robber thieves stealing money from small business like ours. We desperately need our money to pay bills, rent, child support, etc., and we should not have to explain ourselves like this.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-02-07
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. (CA)

Someone got a hold of our account information and set up ACH to withdraw from the account. They kept the ammounts low so it did not trigger the 'large withdrawal ' warning and could make several withdrawals a day. This went on for months before I finally caught it yesterday. Chase will not refund any transactions over 60 days of when I reported it. I'm a victim of identity theft and according to the bank if someone else gets my account number again, the same thing could happen. This seems like a really unfair burden for the indidividual consumer to handle given the sophistication of professional fraudulent organizations. I try to check my statement every month but the past few months I had some issues come up, I realize looking back how vulnerable I and so many other consumers have always been and it feels like our banks could be protecting us more given their expertise in this space. I don't know what to do and thought to report it.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
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