davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year> A credit card was opened using my information. The information on the account used an address where I have never lived nor traveled to state. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I contacted the company that issued the credit card Bank of America and nothing could be found. The company did not contact me about the investigation and its still reporting in my credit report.
Consumer complaint received 2024-01-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

We have had a business card with capital one since 2019 never late never not paid in full never had an issue. They closed our account and only gave us this response Capital One has observed activity on a past or present Capital One account that is not consistent with anticipated account activity based on Capital Ones account opening and ongoing due diligence. 

What does this mean? How can you offer a credit card than say we dont like how or what you buy? I want a reason as to what we did to garner our account being closed. I feel profiled by this company. I do not appreciate that they did this with zero notice just BOOM closed I had auto payment set up that were denied that could have effected my credit. I have called several times and nobody at capital one can give me a straight answer as to why this account was closed. I can tell you what wont be in my wallet anymore CAPITAL ONE!
Consumer complaint received 2022-01-28
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. (NJ)

On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CO)

I have some court issues, and the DA requested records release from Chase, they call it a XXXX. This put holds on my accounts and my childrens accounts in the amount of XXXX. I have spent hours dealing with this, and all they say is the conty court ordered this. Both the DA and the judge said they did not. I have my lawyer trying to get my {$3300.00} and my sons {$2700.00} release and his account closed. My lawyer states the have no authiroty to hold my funds unless I owe them money, which I do not. They refuse to release these accounts. My son and daughters accounts should not be affected
Consumer complaint received 2024-01-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (LA)

XXXX I purchased a XXXX XXXX XXXX at XXXX XXXX in Kentucky the lienholder listed is XXXX XXXX XXXX Acceptance XXXX Ohio. After an XXXX XXXX I ended up in North Carolina at XXXX XXXX. The XXXX XXXX was registered In North Carolina and I was given a plate. XXXX Westlake Financial sent me a lien-satisfied letter. I suppose during my XXXX XXXX, the lien-free title was sent to me and I never got it. In early XXXX, I came down to Louisiana and dropped off the car and all my things. I am currently XXXX in XXXX XXXX for XXXX years, being that I no longer need the car, I offered it to my mother. We tried to get the title with no such luck. In XX/XX/XXXX, my North Carolina plate registration was canceled and I had my mom send the plate to North Carolina. So now I have a car sitting in Louisiana with no plates because I can not register the car or donate it to my mom. I have made multiple attempts to get the title. Westlake Financial has just given me the run-around. I am in the XXXX XXXX and currently XXXX XXXX for my country, the XXXX, and it's a shame that I can not receive what is rightfully mine. I paid in full for that car and now I can do nothing with it.
Consumer complaint received 2024-01-21
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery is continuously contacting me at XXXX am. Which is a complete disturbance of my sleep! I have screenshots and have verified the number. This is harassment. I am wanting this complaint to serve as documentation as well as the company face the consequences for harassing consumers.
Consumer complaint received 2024-04-08
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 want to express my utmost discontentment with the continued existence of a fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the bank related with the fraudulent account. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent account would be instantly abstracted. Both XXXX and XXXX have already removed this account from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of this account when the other bureaus have already removed it. Please delete this account from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 



XXXX XXXX  XXXX
Consumer complaint received 2018-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BB&T CORPORATION (FL)

We have a small business account at BB & T. We requested a business credit line to be opened. We were advised that we were approved for two business credit lines, one of which was in the form of a credit card with a $ XXXX limimt. Unbeknownst to us, BB & T also opened SIX ADDITIONAL CREDIT CARDS IN OUR ACCOUNT WITHOUT OUR APPROVAL. We were already victims of the XXXX XXXX scandal where accounts were opened without our knowledge or approval. We were shocked to log in and find these 6 credit card accounts that we never approved or had ANY KNOWLEDGE OF! Our banker made a bunch of excuses and had no answer as to why we were not advised about these accounts. We have never received these cards and don't even know the full account numbers. We have attached a screen shot from our banking portal that shows the last 4 digits of these fraudulent cards, but don't even have access online to the full credit card numbers. We are seasoned business people and know that if we close these 6 credit card accounts ( which we want to do because we have no need of them and will NEVER use them ), that our credit score will be negatively impacted. We both have 800+ credit scores. What recourse do we have without our credit being damaged? We don't want these cards, nor do we want the available credit! We are also going to seek legal counsel.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (VA)

This company has given me a line of credit on XXXX XXXX which initially was supposed to be a monthly payment plan in which changed after line of credit was received of the amount of XXXX dollars into a bi-weekly plan of monthly payments being twice the amount. Also if i may add ive made all payments on time according to schedule they kept charging a XXXX dollar statement fee for 2 payments a month. Now as of XX/XX/XXXX they received two payments from me. As of XX/XX/XXXX they reported on my credit as late payment and it hasn't been 90 days past due after speaking with me on further payments.
Consumer complaint received 2024-01-21
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. (NJ)

Chase bank fraud my account and overdrawn my checking account by {$19000.00}. This happened on XX/XX/year>. 


Since then I was trying to reach customer service, Chase bank branch, executive office but all attempts to fix the issue was invein. I would like to let public know how Chase customer service handle people concerns. I cant use the money I owned because Chase system was down during this transaction for some reasons. 

I have emailed executives office and I filed complain case number XXXX. 
I will send a different emails showing my complaint to Chase multiple times contains images to prove that I have tried all my options. 

I would like my voice to be heard please. If this was other way around I would be in jail since I owe money to the bank but they owe me and I cant use my money.
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally address the ongoing issue of late open accounts on my credit report, marking my many attempts to resolve this matter. Despite repeated efforts to rectify this issue, the late open accounts persist, causing significant distress and hindrance to my financial well-being. 

I have diligently followed the procedures outlined by your organization to address this issue. However, the lack of action and resolution from your end is both frustrating and unacceptable. As a consumer, I have the right to accurate and fair reporting of my credit history, and it is disheartening to witness the persistence of erroneous information without appropriate intervention. 

Furthermore, I demand compensation for the undue stress, time, and resources expended in attempting to resolve this issue. Your failure to address this matter adequately reflects poorly on your commitment to consumer rights and protection. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX  XXXX Balance : {$10000.00}.
Consumer complaint received 2024-01-21
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I bought a vacuum cleaner through XXXX XXXX who uses Synchrony bank for credit with six months no interest in XX/XX/2023. I schedule regular payments on the credit card through the website, the due date established was the XXXX of the month, the payments started XX/XX/2023, in XXXX the bank moved my due date but not the payment date, they have been assessing me late charges since. I just got a call today to let me know the account is delinquent when it should have been paid off this month. They are charging me an additional {$220.00}, these is all late fees and interest. 
They have opened a complaint - No XXXX
Consumer complaint received 2024-01-21
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Dave Operating, LLC (PA)

Took an advance before due date I contacted to revoke. They stopped answering emails. Today XX/XX/year> they debited {$15.00}. That is not an agreed upon date. They need to return the {$15.00} asap and I will contact them to pay in full.
Consumer complaint received 2024-01-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (NV)

I paid off a loan of {$910.00} in XX/XX/XXXX. Speedycash said XXXX XXXX  retraction was done on XX/XX/XXXX. My bank said that didn't happen. Now Speedycash has the loan in default status. I've emailed XXXX times show bank statements loan was paid and no retraction. I've spoken with customer service and collections department over 30 times. They tell me emails not received or attachments not received. I need help getting this resolved.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Credit Card Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states " I have the right to PRIVACY '' 15 U.S.C 1681 section 604 A. section 2 : It also states " a consumer reporting agency can not furnish an account without my written instructions '' 15 U.S.C 166b " a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS : Except as provided in paragraph, the term consumer report does not include -- ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (OH)

XX/XX/XXXX I got an email that I had a username and password created and a checking account made in my name with ally bank. I dont do business with them and it wasnt me. 
So I called and they said it would be closed, they didnt close it. I continued to get emails that they added a XXXX XXXXXXXX bank ( which I also dont have ) for transfers. Ive sent letters, Ive emailed and Ive called ( and been hung up on ) they wont close this fraudulent account. 
If its not permanently closed I will be getting a lawyer.
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received my credit report from XXXX, TRANSUNION AND XXXX on XX/XX/XXXX and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report. 

XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (VA)

Three reporting bureaus and Credit Karma abused file to deny age of creditor, utilized information from over ten years ago [ employment history ], and company denies any wrongdoing for their failure to report accurately from 2019
Consumer complaint received 2024-01-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (CA)

It with 2 credit cards. Chase and XXXX XXXX XXXXXXXX. My identity was compromise in 2017. I didnt know until XXXX notified me, I discuss this with the credit company because I was paying for charges that I didnt even make. I said to close the account and because it wasnt making them.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

I went to a Chase ATM that wasn't working. I went to the next Chase ATM & my card was declined twice. I called customer service told him what was going on & was transferred to fraud department. While holding XXXX minutes I went to XXXX XXXX ATM & pulled cash. When I spoke to lady I said I'd like to be refunded ATM fee. She was very rude & told me to take it up with XXXX XXXX it's their fee. I responded if your ATMs worked I wouldn't have to go there. She accused me off yelling at her said she was going to put me on a brief hold to calm down & hung up on me. I called back got transferred to fraud department & asked for a supervisor. I held a very long time. While she was on the phone my card decided at a drive through. She told me there's nothing wrong with my account or card the ATM probably has dirt in it etc & that after 1st lady in fraud department hung up on me she intentionally & maliciously put a block on my card. In my opinion that is fraud. She has access to my personal information & account & thinks she's God on a power trip. I don't trust that she won't do this again. I spent an hour on these calls & plan to switch banks after XXXX years with this account.
Consumer complaint received 2023-12-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (SC)

I paid the balance on XX/XX/XXXX. They said that they would report on XXXX XXXX XXXX that it was paid in full. Its still showing as unpaid on my reports. I have disputed it with all three bureaus and they still refuse to remove it even though I can show the transaction where I paid the debt.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I was looking at my credit report and saw that I had some accounts that wasnt mine am a victim of identity theft. XXXX XXXX XXXX, XXXX XXXX  account number XXXX and XXXX XXXX  XXXX account number XXXX please delete these accounts immediately.
Consumer complaint received 2023-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault.
Consumer complaint received 2024-04-08
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2024-01-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I use my bank 's bill payment feature very infrequently -- in fact I have only used it twice. On both occasions, the amount was debited to my account within 2 days and shown as " deposited. '' In the first instance, about 2 years ago, the payee called me weeks later to complain that they had never been paid. Based on the bank 's description of the check as " deposited '' I would never have known had the vendor not complained and I might have incurred a penalty to my credit score for late payment, or pursuit by a collection agency. I stopped using this feature as a result of this bank defect. 

Recently, I decided to use the feature again and experienced exactly the same problem, only this time it involved a check sent to my son. Aa a result of my previous experience, I initiated communication with him about whether he had, in fact, received the check. He had not and to this date, still has not. 

I consider the bank 's use of the word " deposited '' in the bank 's online accounting summary of transactions to be a form of fraud and open to abuse, particularly in instances when payment is made to an individual who is not expecting a check and would not be on the lookout for it. 

I leave this to your judgement and possible follow up.
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received my credit report from XXXX, TRANSUNION AND XXXX on XX/XX/XXXX and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report. 

XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-21
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. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One sold me on a high yield 360 savings account. Ive had the account for years. When rates moved the account paid more/less interest. All of a sudden when rates increase. Their rate did not increase. I was never notified that there were any changes to my account. Today I learn via the XXXX that they changed the terms on my account and created a performance account that pays market interest. I have transferred my balance to the performance account but would like someone to hold them accountable. This is fraud plain and simple. You cant sell someone on a 360 high yield savings account and the when rates increase pay as if it were a savings account.