davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
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: Global Lending Services LLC (OK)

On XX/XX/XXXX & XXXX XXXX had XXXX XXXX XXXX  inquiries show up on my XXXX  and XXXX report. 
They are as follows : XX/XX/year> Global Lending Services Auto Financing XXXX XXXX, XXXX, SC. XXXX XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX. XXXX  : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX. 

XX/XX/year> XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX 's XXXX, XXXX XXXX. XXXX : XXXX
Consumer complaint received 2024-06-20
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: WELLS FARGO & COMPANY (CA)

Wells Fargo and/or their agents engaged in intentional UDAAP violations. They filed suit and attempted to serve at an old address for over 2 years. Finally they had the process server leave the summons with the current resident who informed them that I do not live there. The process server said he didn't care and filed a fraudulent proof of service. I was notified of the lawsuit by someone that knows the current tenant of that property and I informed Wells Fargo that I live at a different address in a different county. They did not provide me with a debt validation notice and proceeded with the lawsuit. Now they have a trial date set at a court house in a different county that is over an hours drive from my house. They are intentionally trying to obtain a lawsuit in a deceptive manner by taking these abusive actions. They refuse to offer a reasonable resolution to this matter and are forcing me to prepare for bankruptcy since there's no way I can afford to pay this judgment with my XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (NY)

Hi, Earlier today I filed a complaint with the CPFB, # XXXX Today at XXXX XXXX  EST I received a call from XXXX. The person on the phone said her name was XXXX, that she was with the JP Morgan Executive Office, and had to verify some information with regards to the complaint I just filed. 

I told her it was not a good time, my wife was sick and I was watching my son. She insisted and said " it will only take a minute. '' She then asked me for personally identifiable information like my birth date, address, etc. 

I informed her I do not give out personally identifiable information ( PII ) to random people who call me. Ironically part of my original complaint was that random people were asking me for PII. 

It should be made clear to JPM that no one is under any obligation to provide PII to someone who calls them. Indeed given the number of scammers out there, they should not be requesting this.
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (TX)

The following inquiries listed are unknown and unauthorized. I have called the bereaus and requested that they remove with no response. FCRA violation XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I purchased a car at Nissan XXXX XXXX ( CA ). They requested I used Nissan Finance to finance approximate XXXX XXXX of the value of the auto. I agreed since it would lower my price. Utlimately we reached a deal and I signed all of the paper work. 

In CA dealers are permitted to cancel the installment sales agreement if they provide notice within 10 days. They failed to do that and didn't provide notice for at least 11 or 12 days. 

I asked that they withdraw their cancellation notice and have not heard anything. 

I believe this practice of " cancellation of the agreement '' is widespread among auto dealers and is a tactic to get additional money from their clients in violation of the law. 

We have previously filed a complaint against the Nissan Finance company to which they responded " we have nothing to do with that stuff '' which I don't believe. I now believe that NMAC ( Nissan Finance ) and the dealer network collude to support these inequitable and illegal practices " below the radar '' as a profit improvement strategy. 

They are preying on the most vulnerable part of the population and hoping to scare people into submission.
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (CA)

I opened a billing/charge dispute of unauthorized charges on my chime credit card XX/XX/year>. CLAIM XXXX there are charges TOTALING {$300.00} that are unauthorized on the chime credit card. Chime is holding back my refund OF PROVISIONAL CREDIT on this credit card WITHIN 1 TO 2 BUSINESS DAYS .Chime is giving me the stall tactic runaround of regulation E. there trying to fool me by using the tactic of the " it may take 90 days to investigate tactic '' This is a chime credit card that has to provide PROVISIONAL credit to my account yet Chime is up to its old tricks of holding the consumers money hostage instead of abiding and following the law. As a consumer I am not liable for any charges that are UNAUTHORIZED. I MADE IT CLEAR TO CHIME THAT I HAVE FEDERAL PROTECTION RIGHTS AS A CONSUMER, YET CHIME IS IGNORING FEDERAL LAW. THIS STUNT THAT CHIME CREDIT CARD IS DOING TO ME IS HARMING ME BECAUSE CHIME FAILS TO IGNORE FAIR CREDIT BILLING ACT, 12 CFR 1005. CHIME SEEM TO BURDEN ME WITH THEIR COMPANY POLICY BY LYING TO ME.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$620.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-08-03
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1

5 USC 1681. The letters are stated with items and issues. 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 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 Any other adverse item of information, other than records of convictions 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 2022-11-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I checked my email to find 4 emails from Bank of America first asking me to verify my email address, then welcoming me to Bank of America Online, then another email stating my email address had been updated successfully, then another email address stating my online application was approved. All of these emails and transactions took place starting at XXXX with the last one being sent at XXXX - all of which during a time I was asleep. I did not initiate any such actions with Bank of America and do not have any business dealings with them.
Consumer complaint received 2022-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (WI)

I've contacted I.C. SYSTEM, INC regarding a ATT U-verse debt that is showing up on my credit report. They informed me that the service ( I assume XXXX XXXX  ) was setup at an address in Illinois. For what it is worth, I've had XXXX XXXX  Stream service ( another ATT XXXX  ) for five years, which should make one question why I would open an account for a second cable service. 

I informed I.C. System, INC that I've lived in XXXX my entire life, and there is no scenario that any service should have been setup at an address in XXXX. This must be a fraudulent account. I made no progress with this company. In fact, they used the opportunity, when I called to dispute the debt, to get my home address in XXXX and update their records instead of doing anything to determine if this was fraudulent. I disputed the debt on the XXXX credit report two times. With both disputes, the results came back within 24 hours with no change. 

This is impacting my credit score. Please note it is the only delinquency on my credit.. 

Seeking help because I've exhausted other means of getting this corrected.
Consumer complaint received 2024-06-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO. (NY)

I would like to advise you of a debt collection scam being run by the " XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX. '' I will hereafter refer to them as XXXX I received a " Summons and Complaint '' in the mail and it looked like I was being sued. I am attaching a copy. 

I also received communications from the debt collector asking me to call up a " non-attorney debt collector. '' Naturally, I tried to file an answer to my complaint with the XXXX XXXX XXXX, where I was being sued. Imagine my surprise to find out, despite all indications to the contrary, that I was not actually being sued. 

Let me explain. Lawyers must file multiple forms to initiate a suit. One of these is an " XXXX '' or " Request for Judicial Intervention '' which then causes the case to go to court. 

XXXX filed the forms necessary to create an index number, which makes it look on the county website as if I am being sued, however, the suit has no judge assigned because they didn't file all the necessary paperwork. They just filed enough paperwork to invoke fear. 

So they have given the impression that they are suing me, but they are not. The kicker is if I want to file a counterclaim or have their suit dismissed, I would have to pay to do so. The amount is quite a lot of money, and quite time-consuming. 

My guess is this is done on purpose. They give the alleged debtor the fear of being sued, but are not open to any downside. Because in a suit, I can claim FDCPA violations and damages on my side. 

I would wonder if I had not filed an answer they would possibly have filed an RJI to force a default judgment. 

This is shameful behavior, and what's worse is they keep trying to get me to talk to non-attorneys. The numbers listed on their correspondence do not work or funnel me to voicemail, and I had to go through some hoops to get a person. 

I'd ask the CFPB to come down hard on them. This is not acceptable behavior. I have disputed the debt, and have the right not to be lied to, or referred to a " non-attorney debt collector '' representing the fact that they are part of some kind of legal proceeding.
Consumer complaint received 2024-06-19
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. (MD)

In XX/XX/year>, I received a solicitation to open a card with Chase. I was approved but card was never received. I contacted Chase and they closed that account and opened another. I never received the card for that new account nor any account information. I received a reminder to activate the card ( even though I never received it ) and called Chase. They would not help me unless I provided my social security number ( even though their website said they would never ask for my SSN ). I had no account number or any information other than my social security number and an email that I needed to activate. I refused to provide my social so they would not help me. Then I received an email thanking me for activating the card -- I never activated the card since I never received it. I finally received an email that my account needed attention and THAT email had an account number. I took the email to my local Chase office in XXXX XXXX, MD. The representative told me that the account was charged off, that charges had been made, and that a fraud investigator would contact me. Nobody has contacted me and this account is still looming.
Consumer complaint received 2024-06-19
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

On XX/XX/year> I received some text messages about a Costco XXXX Card that asked if I opened one, I responded no to that. I later received some messages ostensibly from Bestbuy about a Best Buy card I don't own. I originally thought it was a phishing attempt so reported it and didn't respond. 
On XX/XX/year> I got a Credit Report and noticed three Credit Cards that I did not apply for myself : 1. A Citibank ( CBNA ) Costco Card : {$1300.00} 2. A Citibank ( CBNA ) Best Buy Card : {$4300.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$96.00} ( prices are the balance when credit report was checked ) It seems that someone has applied for these cards under my old name, XXXX XXXX. I'm XXXX  and legally changed my name to XXXX XXXX a few years ago. 

I've filed a report for each card and both banks and the Costco and XXXX cards were removed from my credit report, but the Citibank Best buy department refused to do the same despite them acknowledging that the Costco card was fraud. 

I never had any of these cards, someone else has applied for them under my ( old ) name and I have no idea who might have done this, whoever it is seems to have access to my social security number, an old address, my previous name, and my current phone number. I suspect maybe this was leaked from the recenXXXX XXXX XXXX XXXX XXXX  as I was a customer with them at that old address. 

I've spoken to Citibank Bestbuy fraud department I believe four or five times now and each time I contact them they tell me they've closed the case and said it wasn't fraud and then they reopen the case while I'm on the call. The only information they have requested is a copy of my driver 's license which I faxed to them but despite that they closed the case again. I've sent them the police report number ( XXXX XXXX POLICE DEPARTMENT XXXX REPORT # XXXX ) and copies of my email correspondence with the detective on the case. I have also reported the identity theft to the FTC ( reference number XXXX ) and placed a security/fraud hold on my credit. 

I've also requested from a supervisor that they contact me before closing the case if they need more information and they said they would but they haven't and they've still closed the case without taking any action. 

Despite all this, and the fact that the card was opened under a name that isn't even my legal name now or at the time the cards were opened, the card is still on my credit report and the past due amount has been consistently lowering my score and causing issues.
Consumer complaint received 2020-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This keeps showing up on my credit report from Portfolio Recovery. Collection account. {$1500.00} past due as of XX/XX/2020. 

This company has garnished my check for payments through XXXX XXXX They also keep reporting incorrect dates to the Credit bureau. 

I really do not have any knowledge of this company.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

The very first time I encountered a problem of this nature with Chase was XX/XX/year>. My boyfriends family member went into the bank hisself, and deposited a cashiers check into my account. And they put a freeze on my account and wanted to verify him through a phone number he didnt use anymore. And about a month later, after being told contradicting things by the staff of Chase, we were finally able to get it cleared. But only after my account had been closed so I received a check in the mail for the balance. So I decide to try banking with them again ( and this will be the LAST time ). I have XXXX family members of my own who can not deposit their own checks because XXXX dont have a bank account, and ones ID just expired not too long ago. So they endorsed their checks to me to be deposited. ( And let me just mention that I do not mind verifying them if need be. ) .The first XXXX, deposited on different dates in XXXX, went through without issue. But the XXXX, deposited XX/XX/XXXX, was put on a XXXX  day hold and a restriction was placed on my account. I called Chase and they said they needed a number on my uncle so they can verify. The very next day, I provided a number and they verified him. The representative said the restriction would be lifted within XXXX hours but I still have to wait the XXXX days for the check to clear. Alright. On the XXXX day I call just to verify everything is good, and they tell me that, as of that day, the XXXX, theres ANOTHER restriction being placed on the account for the other XXXX checks deposited in XXXX. That was the XXXX time they ever mentioned verification for the other XXXX. Which is crazy that thats legal to do but I guess... So I provide a number that they say they can not verify in the system for XXXX of them, and my other uncle just isnt back from his vacation yet for them to speak to him. But heres the problem.. Today, the XXXX, I call and find out my account is closed. But I was told I had XXXX business days from the date of the restriction for my account to be closed. And they verified that my account shouldve been open from the XXXX with no restrictions because I verified. So my account should not have been closed until the XXXX. At this point they just need to give me my money because this has to be discriminatory.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$80.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX XXXX XXXX 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 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CapitalJ Inc. dba Juno (MA)

I use Juno, an online bank and for days the have been freezing all payments in and out their account, claiming : " The disruptions are due to issues with our banking services provider, XXXX XXXX  XXXX XXXX. '' I need to access my funds in the account and cant pay, or transfer them. This is especially weird as they simultaneously stopped paying any interest ( previoulsy it was XXXX  % ). But more importantly, i need access to my money.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (MS)

I have an account with Juno Finance. On XXXX  XX/XX/XXXX I received an email from Juno about a disruption in service. On Monday XX/XX/XXXX I received an email that I would no longer receive XXXX  % interest on my deposit. I started the process of withdrawing my money to another bank where I would earn more. On XX/XX/XXXX XXXX learned that the ACH transfer to the other bank failed and that transfers to my account were suspended and I tried to close the Juno account. On XX/XX/XXXX I learned that Juno can't or won't close my account and give me my money back. I have almost $ XXXX with Juno that's not earning interest and that I can't access.