davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C. (IL)

This is regarding old credit card debt with XXXX XXXX. It was initially sent to a law firm that I set up monthly payments with and had been faithfully making them for quite a while, and then they suddenly stopped. A month or two later, I receive an introduction letter from Blitt & Gaines our of XXXX, Illinois saying they were taking over the debt. I dont recall anything in the letter stating I needed to contact them or something bad would happen. I assumed they would contact me with what they wanted me to do because thats their job as debt collectorXXXX. This was months ago, possibly as far back as XX/XX/2018. I didnt hear anything else from them until my bank account was frozen yesterday, XX/XX/2018. When I called the law firm, someone there stated they only did it because they tried to garnish my wages but I didnt work there. She named a company Ive never even heard of, let alone worked at. At the time Blitt & Gaines reportedly tried to garnish my wages in XXXX, I had had the same job for over two years. I file taxes. I get direct deposit. How could they not find my actual job? I received no communication that the wage garnishment was unsuccessful and they needed job information from me. I have not moved. I have not changed my phone number. The only thing the woman kept telling me was that it was my fault that I didnt respond to the letter from XXXX. I feel like this frozen bank account could have been avoided and now I dont know how Im going to pay my bills the rest of the month. I dont really have family to ask for help so this is really terrifying. Furthermore, wage garnishment would not have been necessary because I would have wanted to set up a similar payment plan as to what I had before and assumed I would have again. But they did not contact me and took the most drastic action without even informing me ahead of time.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UMB FINANCIAL CORPORATION (IL)

UMB Bank restricted access and blocked my access to my account and money. I called UMB on XXXX XXXX and spoke with XXXX at XXXX, he told me the fraud department was closed and needed to call back earlier in the day and he could not help me. 
I called again on XXXX XXXX and spoke with XXXX in the " online banking technical support '' department and he told me he could not help me access my online account and I needed to call a branch, which he provided a phone number XXXX. I called this branch and was told that I should have not been sent to the branch and they could not help me. He took my information and said someone would call me. Later that day, XXXX, called me from XXXX and after confirming my information she told me I could access my account the next day. It is now 2 days later and I still can not access my account. 
I have been lied to and I am outside the XXXX so it costs me {$2.00} per minute to talk to UMB and they keep passing me off and lying about my account. I need to access my account and it should not matter where in the world I am currently at to do so. I spend many months per year outside the XXXX and it is not alright to lock my account and deny me access to my money.
Consumer complaint received 2018-11-16
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: Westlake Services, LLC (NC)

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that XXXX XXXX XXXX as not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

Yesterday ( XX/XX/2018 ), I received a 1 page,  mailing from Chase bank titled : " Action Needed : Make a deposit to keep your overdrawn account open ''. I am continuing to DISPUTE, Chase Banks ' mismanagement of my account. As of today, Chase have repeatedly refused to set my personally set PIN number back to my choosing. As of today, Chase Bank have refused to properly manage my checking account. I do NOT owe Chase Bank a dime. The overdrawn amount ( {$34.00} ) was caused by Chase Banks ' mismanagement of my account. As of today, Chase Bank have REFUSED to adhere to the rules, policies and procedures that govern their business.. As of today, Chase Bank have fraudulently add my daughters name to my account ( via this mailing dated, XX/XX/2018 ). My daughter, left Chase bank month 's ago ( which had absolutely NOTHING to do with my personal checking account or relationship with the bank ) .. And, Chase Bank closed her account month 's ago ( which had NOTHING, to do with my personal checking account ). However, Chase Bank and their representatives have continued to practiced unlawful DISCRIMINATION towards me and my personal checking account. Her name, have NEVER been included on any mailings associated with my personal checking account mailings. I will continue to FIGHT legally, for my rights. i DO NOT OWE CHASE BANK A DIME! IN FACT, CHASE BANK OWES ME FOR THE ONGOING UNLAWFULLY PRACTICED, DISCRIMINATION! ALL SUPPORTING DOCUMENTATION WILL BE FAXED TO THE CONSUMER FINANCIAL PROTECTION BUREAU. ALL INFORMATION SUBMITTED TO THE CFPB IS TO BE USED " ONLY '' BY CFPB ( NOT, CHASE BANK OR ANY CHASE BANK SUBSIDIARIES )! XX/XX/2018.
Consumer complaint received 2024-04-15
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. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (TX)

I discovered signs of identity theft in XX/XX/XXXX when reviewing my annual credit report. This theft has had severe impacts on my financial stability, causing significant personal stress and anxiety. I have taken immediate actions, including contacting police and credit agencies, to address the fraudulent activities linked to my identity. 

Affected Accounts : 1. Fraudulent Auto Loans or Leases - XXXX XXXX XXXX : - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$84000.00} - XXXX XXXX XXXX : - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$0.00} - XXXX XXXXXXXX XXXX : - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$0.00} 2. Fraudulent Personal or Business Loans : - XXXX XXXX XXXX XXXX : - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$3600.00} - XXXX XXXX XXXX : - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$980.00} 3. Fraudulent Information on Credit Reports : - XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX reported fraudulent accounts or charges. 

I am actively working with financial institutions and law enforcement to address this issue and request investigation and resolution of all fraudulent activities linked to my identity. I also seek assurance that my credit score and financial reputation will not be adversely affected.
Consumer complaint received 2023-12-29
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. (NY)

On XX/XX/2023 I was going to buy a car and I left a deposit of XXXX dollars to a dealership located in XXXX New Jersey. The following week I was going to pay the car off but I and my friend found a problem. In this matter I have a witness.

I explained what happened to Chase Credit Card but instead to help me as customer they didn't do nothing to solve the issue. Car was defective and also I and my friend found trash behind the engine. I decide to step back from this purchase. I didn't sign any contract it was a retailer order. 
I've been with Chase Credit Card around XXXX  years I couldn't expect such behavior. Chase Credit Card was acting like a government agency not as a regular financial company. 
I'm trying to fix this situation but they refused to help me.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (WI)

I am going through XXXX XXXX at the moment and have been getting donations for my benefit. I had a gentleman call me explaining how he lost his wife to XXXX XXXX and his daughter is a XXXX XXXX survivor and wanted to donate. He asked me if he could mail me a check. He did not say an amount but did say it was coming from his beneficiary lawyer. I was a little skeptical but thought I would just open up a new bank account to avoid any funds being taken from my original bank account. I opened an account with BMO and gave this XXXX XXXX he called himself the routing and acct # 's for the lawyer. On that exact first day I opened that account and gave him that information there were emails coming to me with login issues. I called BMO right away to make sure no one was in my account and the lady said there was no issues. About a week later the check showed up in the mail. It was larger than I thought he would of sent but I thought maybe with both his wife and daughters issues he was being generous. I deposited the check knowing that I wasn't going to use right away because I'm putting together a benefit for cold capping and if there was an issue with the check BMO would let me know. Well this guy already was hacked into all my accounts. He online deposited XXXX checks into my BMO account and withdrew all {$5000.00} the bank approved before clearing the check. BMO has done the investigation and is now telling me I am responsible for the loss and owe them {$5400.00}. I don't know how they can not see the device used for the XXXX online checks is not mine. This hacker also got into my credit card account and maxed it. Then proceeded to make a payment from an account I have no idea where its from to pay it off. My credit card has completely settled everything on their end but BMO told me its my fault because I deposited the check. Is there something I can do to get this solved? Please let me know what my options are.
Consumer complaint received 2023-12-28
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (VA)

DEPT OF ED / NELNET Account # XXXX 15.U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (NC)

I called the National Recovery XX/XX/XXXX to confirm more information on debt being that I have not received anything in the mail regarding this debt, XXXX is the representative I spoke with informing me they sent out text messages I informed the representative that I havent got a text message and by law I needed something in writing she then confirmed they sent out a letter on XX/XX/XXXX. I have not got XXXX letter or text message about this debt. I have not got the opportunity to dispute and/or pay this debt. I want this removed from my credit report immediately or I will file a lawsuit for violating my consumer laws.
Consumer complaint received 2023-05-26
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: Resurgent Capital Services L.P. (DE)

LVNV Funding LLC is unlawfully making attempts to collect a debt and currently reporting a collections debt of {$770.00} to credit bureaus. This is being reflected on my credit report. They are not licensed to operate in Delaware, my state of residence.
Consumer complaint received 2023-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC (LA)

I purchased a Fridge ( kitchen appliance ) from XXXX, who had a lease agreement option called XXXX. I paid all my payments in full and they kept taking money, XXXX XXXX was then involved, they are the original creditor, they called, harrassed me daily for months, took money out of my account, kept taking money out of my account, the bank couldn't do anything about it because XXXX stated it was a legitimate debt. It was not. 
Payments below {$91.00} XX/XX/2017 {$91.00} XX/XX/2017 {$91.00} XX/XX/2017 {$91.00} XX/XX/2017 {$91.00}XX/XX/2017{$100.00} XX/XX/2017 {$82.00} XX/XX/2017{$180.00} XX/XX/2017 {$91.00} XX/XX/2017 {$91.00} XX/XX/2017 {$91.00} XX/XX/2017 {$410.00} XX/XX/2017 ( I was told I was buying out the contract agreement ) That no Money was due after this last payment {$180.00} XX/XX/2017 ( They took this without my knowledge when I learned what they did they said it was the buyout fee... I stated on XX/XX/XXXX i was told i was buying out the contract, they said this is the last fee ) {$120.00} XX/XX/2017 ( They took this after I verbally told them they could not ) {$200.00} XX/XX/2017( Once again they verbally were told to not take anymore money from me & they did. I spoke with management I was assured My agreement was paid in full {$200.00} XX/XX/2017 ( They continued taking payments ) {$200.00} XX/XX/2017 ( I asked if i could bring the product that i originally purchased back told them this was complete bull XXXX that they were stealing from me and committing fraud ) {$320.00} XX/XX/2017 ( Was contacted to pay off unit I said I already have, they took this payment without my permission ) {$100.00} XX/XX/2017 ( Took more money from me with out my permission on the same day ) I finally got smart changed banks and cut off that card. they continued trying to take payments but it was a dead card. 
XXXX then sold my account to Security Credit Services , LLC and now they are being awful about all of this wont let me speak to upper management, told me & my husband we are not important enough to speak to her superiors ( she was a supervisor ) They wont help, they wont acknowledge my emails, or calls, they reported to the credit bureaus that i owe XXXX I owe nothing, infact they owe me, they scammed me, and they committed fraud by taking money without my permission even after I told them they couldn't. Please help. This is negatively impacting my credit score, it has caused -me to have high interest rates, lower credit score than what i should. 
My number is XXXX
Consumer complaint received 2023-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (MD)

National Recovery put a collection on my credit report without giving me a right to dispute. I received an alert from XXXX XXXX stating that a collection was added to my report. I do not owe XXXX XXXX and XXXX nor National Recovery. Per the FCRA, I am supposed to receive notice regarding a collection before it can be added to my report and then I have to be given the right to dispute the validity of the debt, I have not received any correspondence from National Recovery.
Consumer complaint received 2023-12-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC (IN)

Purchased a home with the understanding that I could refinance in XXXX  months due to needs of home purchased XX/XX/2022. The refinance was started then they denied it stating I needed XXXX more months. They had encouraged me to use my credit cards for repairs. Carrying the debt another XXXX months has trashed my credit. Wrote the XXXX  and in their response the stated that they had told me wrong information at the time of purchase and they have retrained their staff. That doesnt help me. Since then I have received XXXX notices that I am pre approved for a refinance. Each time I asked about the prior denial. Each time stating I qualified. I have all the paperwork. I have XXXX in equity that I cant use
Consumer complaint received 2024-01-06
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 discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 2023-12-28
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I paid in full credit card with XXXX with Capitol One on XX/XX/XXXX from checking account ending XXXX to credit card ending in XXXX of {$5300.00}. My confirmation number from Capitol One ... XXXX. payment was due by XX/XX/XXXX. I called customer service at Capitol One when I noticed they tacked on a finance charge of {$44.00}. The female representative refused to credit finance charge or acknowledge I paid off my entire credit card balance! I request finance charge to be removed and letter sent or email reflecting no further monies due from Capitol One to me XXXX XXXX.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NC)

I have a checking account with JP Morgan Chase Bank. I sent two faxes to them asking that the following restrictions be added to my account : - No online banking. 
- No online electronic transfers out of my account - No debit cards. 
- No authorized persons to handle my account besides myself. 
- All changes are to be done inside the branch only, not by phone or otherwise. 
- No online access, this includes, but is not limited to, the Chase app and online banking is to be blocked at this time. 
- I am only to receive deposits via online transfer. 

I went into a branch on XXXX XXXX XXXX. I spoke to XXXX XXXX who called customer service to tell them these things, however, since then, I have not gotten any communication ( s ) from Chase bank in the mail to confirm my request. The email that I have provided is a temporary email and after this communication I can not be contacted this way.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

There are late payments for account -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). I had some issues with my income being affected by the XXXX PANDEMIC SHUTDOWN. I have a legal right to dispute anything that is on my credit report. I am not an ATTORNEY OR THIRD-PARTY REP. I am requesting some accommodations so I care to protect the integrity of my credit file. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (KY)

XXXX  identity was stolen and There is XXXX inquires on XXXX XXXX that I did not do. last thing I have requested XXXX  for was for XXXX XXXX XXXX I bought a XXXX  car in XXXX, that was all that was on XXXX XXXX and school loans. now there is other XXXX  I did not make. there were so many but they were on there a XXXX  times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD Bank XXXX have reached out to the XXXX  berau to try to dispute them but there is so many. please help I did put a lock on XXXX XXXX  but the person who is stealing my information has acess to everything I have. he broke in my home and got XXXX  XXXX  off my computer and stole XXXX  from XXXX.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

Last XX/XX/2023, there were Fourteen fraudulent charges of {$73.00} in my Chime debit card. These transactions amounting to {$1000.00}. I have complained to Chime customer service that these are all fraudulent. I live in Florida, and all of these transactions says XXXX XXXX XXXX, XXXX XXXX Of XXXX, PA, XXXX. Chime sent me a denial letter that there was no billing error at all. I have submitted them all evidences, and they could even track my location during that time, but they denied all of them. Same day these fraudulent transactions occurred, I was doing my grocery shopping from XXXX XXXX XXXX XXXX. Their letter did not even have a specific reason for denying me. They requested me to file a police report, but I still got denial letter from Chime.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX