davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
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: JPMORGAN CHASE & CO. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' JPMCB is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' JPMCB the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, JPMCB whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. JPMCB Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (WV)

I was working with a mortgage lender through First National Bank and asked her to get me a quote to see what my odds of approval were based off of my income and debt. I specifically told her several times I did NOT want my credit ran until we knew I could get approved for a loan, and then we could decide to run it later and talk about which loans I wanted to apply for. She said the only way she could look at my taxes is if I uploaded my documents to the application link she sent me because she couldn't access them on her personal computer via dropbox, or any other means. She stated there would be a section on the application to state that I didn't want my credit pulled. I went through all the sections, demographics, etc. and then uploaded the 1099 's and taxes for XXXX and XXXX. I then received an Alert that there was an inquiry on my credit report on their application website, and on my XXXX XXXX  app. I sent her a screen shot of this and she stated that she didn't do it and was in a meeting. I told her it must've been automated, but either way I was furious. She called me once she got out of her meeting and tried to said it was my fault because " I submitted a full application and clicked 'submit ' ". I said " no ma'am, this is NOT going to be on me, I specifically told you I did not want me credit ran, and you said the only way that you could look at my documents was to upload them on this site. I used the same exact process and application with XXXX and theirs looks EXATLY the same and they didn't run credit, so it has to be something with your system, maybe it was automated, or something, but I am not happy. '' I have documentation over text message where I specifically told her I did not want my credit ran. I immediately called the number from the XXXX XXXX  app XXXX and spoke to a XXXX, and disputed the inquiry and told her it needed to be removed IMMEDIATELY because it was not authorized.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (PA)

We have 2 complaints regarding Chase Bank XXXX XXXX XXXX XXXX, NJ First complaint we opened a checking and savings account with XXXX who inputted my first and last name incorrectly, my SS number incorrectly and only had my DL number correct. 

When we were referred to him to resolve the issue XXXX made our checking account our savings account and savings account our checking account without our knowledge. 
This resulted in our initial deposits being incorrect which XXXX corrected himself without our knowledge. 
This also resulted in us having checks for a savings account and a checking account created by XXXX. 

These checks also had 2 different routing numbers on them which we still have not received a valid answer for to date. 
When we asked the branch manager what would happen if we used these checks he said they would probably bounce and it was no big deal. 
No big deal to who them? 

On XX/XX/XXXX our checking should have had {$3600.00} in it and our Savings {$5000.00} they did not as initially opened. The money was Secondly we were given a voucher that states if we open a checking. and savings account we would receive {$600.00}. The money was moved on XX/XX/XXXX without our knowledge. 

The {$600.00} voucher money appeared in our account on XX/XX/XXXX for a day and than disappeared. 
We question how this money can deposit and withdraw from our account without a trace and were told this never happened. 

We spoke with the brand manager XXXX and got no response to date. 
We requested the regional manager address the issue got no response to date. 
We contacted Chase Corp and spoke with XXXX who did not resolve our issues and would not return our calls in a timely fashion. 
We spoke with XXXX 's supervisor XXXX who was more attentive to our issues and returned our calls but has now referred us back to XXXX. 

Per our conversation with XXXX on XX/XX/XXXX we were told we had to deposit {$15000.00} to get the voucher in our savings account. 
as can be seen by the voucher no such requirement exists. The voucher states deposit {$15000.00} in savings OR have direct deposit set up. 

We are against setting up direct deposit until our concerns are addressed. 
Money disappeared from our account without a trace. 
We were issued bad checks from the bank representative Money was moved without our knowledge XXXX was questioned and lied he never did any such thing, well than how do we have these checks and deposits slips which reflect our statements? 
Customer service is horrendous!! 
I have no faith in this bank doing the right thing.
Consumer complaint received 2023-06-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC (FL)

Hello, I bought a XXXX XXXX XXXX from Carvana. I am financing through XXXX XXXX XXXX XXXXXXXX. Carvana was giving my loan draft and even called my credit union to make sure the draft was okay. They told me everything was okay and I picked up the car on XX/XX/XXXX. Now my credit union is telling me the car is overpriced and they won't pay over the 125 % of the loan. Carvana is coming after me for the remainder of the loan which is almost XXXX. I have gone back and forth with both Carvana and XXXX XXXX XXXX XXXX said Carvana would take the XXXX because I have had the car since XX/XX/XXXX and now Carvana sent me an email where my credit union said I must pay the rest
Consumer complaint received 2023-06-01
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: CITIBANK, N.A. (TX)

The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did use misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute multiple time on 4 inquiries with XXXX, XXXX and XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from the credit bureaus stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is upsetting and made me physically ill. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,
Consumer complaint received 2024-07-14
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: Experian Information Solutions Inc. (CA)

This account was charged off on the following XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment hisipry. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (IL)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. This account was never late XXXX Account Number : XXXX Please ensure that all information is accurate XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2017-03-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I have worked hard on my credit ever since learning about it 's importance. I was very naive on my private student loans. I thought they were all the same. It is only years later, that I am fully understanding these things. A couple years ago, I began reaching out to companies holding my student loans to get them on the road to paid. Unfortunately, this has been a terrible experience, that I am losing. When I called for the Federal Student Loans, they were easy to work with and easy to contact. For the private loans, it has been an impossible dance around obstacles. I have been " disconnected '' and found not able to reach the holder. Then, whenever I do reach a person, if I do n't agree to an outrageous payment plan, they are not interested in setting me up on a payment plan. If I say, I can only pay {$25.00}, they want {$50.00}. If I say I can pay {$50.00}, then want a {$100.00}. And, the merry-go-round continues. All the while, they are docking my credit like crazy. Every year, they are selling and reselling my debt. The next collector calls and the dance continues. I get every other hour roto dialed calls ( and when, I go on the site to select not to be texted or auto-called, it never saves - so it appears I am accepting these calls ). When I answer, the dance continues. I tell them I want to pay. They say without agreeing to their terms it is useless and they are unable to enter me into a repayment plan. This is impossible. Even when I am not working ( currently ) they are not willing to hold my loans or accept any payment other than their bottom line. HOW DO I END THIS NIGHTMARE THAT LOOKS TO BE FOR THE REST OF MY LIFE!!!!! If I only had known how much this was going to affect my life, I would NEVER HAVE SIGNED MY NAME FOR THE LOAN!!!!
Consumer complaint received 2023-06-01
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did use misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute multiple time on 4 inquiries with XXXX, XXXX and XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from the credit bureaus stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is upsetting and made me physically ill. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,
Consumer complaint received 2023-06-01
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Galaxy Capital Acquisitions, LLC (FL)

I am contacting you to request the deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this action constitutes a direct violation of the FDCPA and FCRA. I urgently demand that you promptly delete and remove these accounts and information from my consumer report, as their presence is in clear violation of multiple laws. I expect immediate action to rectify this matter.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

Starting XX/XX/2023, my checking account with Chase Bank started being charged a $ XXXX  monthly service fee due to lack of funds. However, I have adequate funds in my savings account. When I contacted Chase Bank they stated they can not " link '' my savings account to my checking account. They said it was a technical issue on their end and are working on a resolution. They have refunded the service charge for XXXX, but no others, including XXXX, XXXX, and XXXX. I am out {$75.00}, with no resolution in sight.
Consumer complaint received 2023-06-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION (TX)

This company attempted to collect a debt while I was under bankruptcy protection. They called and harassed me 8 times in two days. Also prior to the harassment, they had already charged the account off and put {$0.00} balance owed that was reported to the credit bureaus. I also sent this to the company. Then whole time I had made the payments to bring the vehicle current. Sent a company to repo the vehicle after the account was made current. To recap, attempted to collect a debt during bankruptcy protection. Charged off the account and reported {$0.00} balance to credit bureaus. The whole time I was paying payments, Attempted repossession after the account was brought current.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAROLINA FINANCE, LLC (NC)

I have Reached ( XX/XX/year> out to Carolina finance which is located in XXXX NC and they stated that they do not have an account for me or never did I apply for credit. The creditor is listed on my XXXX report. I would like this hard inquiry removed since it is not my information. 
Phone number XXXX
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (SC)

Cedar Business is attempting to collect a debt that they've been made aware of with multiple pieces of information from the ORIGINAL creditor. I do not owe this debt, and they are aware. XXXX has given me 2 documents showing a XXXX debt, and they are also in possession of a call recording in which I was informed there was NO DEBT owed by me. This is a violation of my rights! This aught be removed from my credit report immediately.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NY)

I have asked him numerous times to close my account I do not want to do business with them because of their attitude theyre directing me in misdirection multiple times not giving me straight answers when I came to my account felt as if I was given the runaround completely when I ask what was going on they would not answer me I do not want to bank with them at all I am completely disgusted with the service I do not want to have any affiliation with TD Bank XXXX XXXX New York
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

CFPB Case XXXX Company that performed a fraudulent Hard Inquiry, XXXX, resolved the issue on their end and sent a letter to Transunion for them to resolve the issue. Transunion has failed to follow through with removing the Hard Inquiry after receiving the letter from XXXX. Attached is the letter from XXXXXXXX XXXX describing their mistake.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (WA)

I received an alert of a collection bill I checked my credit report and seen that this account from XXXX has report that I owe them which isnt true this isnt my account which I disputed back in XX/XX/XXXX and the item was removed now we are here in XX/XX/XXXX and they have place this account back on my credit report with a different balance. This has dropped my score so very much and this just isnt fair and something need to be done about this. Again this is not my debt and it should not be on my report.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2023 three ( 3 ) blank checks with no signature was allowed too go through my account. I rarely write check but I did write a {$3.00} check to a medical merchant on XX/XX/2023. Instead three individual checks for {$100.00} dollars were sent through my account.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid 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. (LA)

On XX/XX/XXXX, we purchased an attraction pass with the merchant, XXXX XXXX, in the total amount of {$200.00} ( Exh. 1 ) for 2 persons or $ XXXX to be used on XX/XX/XXXX, the selected activity date. A week after the purchase, I changed my mind and requested a full refund of the total amount paid of {$200.00}. However, on XX/XX/XXXX, the merchant only issued an arbitrary refund of {$66.00}. 
According to the merchants cancellation policy ( Exh. 2 ), Full refunds will be issued for cancellations made at least 15 days before the selected activity date and a cancellation fee of JPXXXX XXXXXXXX will be applied before the selected activity date. Considering this cancellation policy, the total refund due is {$190.00} ( {$200.00} - {$4.00} = {$190.00} ). Therefore, the merchant still owes the remaining refund of {$120.00} { {$190.00} ( total refund due ) {$66.00} ( amount partially refunded ) = {$120.00} }.