davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO. (VA)

In XX/XX/XXXX I financed new XXXX through XXXX XXXX Chase Bank ; As always on recurring charges I institute automatic payments to be deducted from checking account ; As XX/XX/XXXX arrived, I expected my title to be sent as every payment except the last payment was deducted from my acct.. Instead, In XX/XX/XXXX I received a letter from Chase advising that I was late in my payment and they had charged me a {$9.00} late payment fee. I called their number & explained that this was their error as I was auto-pay for the loan. The lady said she understood & woud take care of it, including the late fee & it would not go on my record as being late ; a few weeks late in checking my XXXX I found that my score had dropped to XXXXfrom over 850.I called Chase back & spoke to a man with my complaint ; he said that Chase could do nothing about it, although the prior agent told me that it would be taken care of.In 30 years I have not been late on a payment. I have always had a XXXX at XXXX or above. I am quite upset about this.In checking, XXXX XXXX has gone up to XXXX.My acct. # for this loan : XXXX.
Consumer complaint received 2016-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC (FL)

Fidelity Information at XXXX XXXX XXXX XXXX, XXXX CA XXXX continues to report negative information to XXXX that I owe money to XXXX XXXX XXXX a property management company where I use to live. When I resided at this property I paid my lease up for a year in advance and when I moved out had no issues. I just recently went to apply for an apartment and was told I was denied because I had an eviction from this property. I keeping all my documents for seven years or more went back to old documents like my receipts for payment of rent and all of my move in documents disputed this debt. I also went to county records to see XXXX XXXX did in fact file a eviction process because I lived out my lease and had no idea that an eviction was filed. I found that an eviction process happened but was later volunteer dismissed by XXXX XXXX. I printed out this information and disputed the fact that I was never notified that a eviction had taken place one and two that I owed this property management company any money. And why would I I lived out my lease and paid my rent for the year in advance. This company Fidelity Information continues to calm that I owe XXXX XXXX XXXX money but can not provide me any documents supporting there calm. I sent a certified letter disputing there calm and asking them to stop sending negative reports and calms to the credit bureaus to there company XXXX XXXX in XX/XX/XXXX and again in XX/XX/XXXX. And they keep saying that they never received the documents I sent but it shows by mail that it was delivered to this company. I have also asked for them to send me a copy of there documents with this so call calm. If I owed XXXX XXXX XXXX any money they did not notify me at any time after I moved out and then the eviction they filed which I still to this day do n't know why, would not have voluntarily dismissed the complaint for eviction. This company Fidelity Information have questionable practices and should be investigated. Also I looked up this debt ( if there was a debt ), and this is a Time Barred Debt and the statue in my state is 5 years.
Consumer complaint received 2023-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One is reporting false wrong information to my credit reporting regarding XXXX XXXX credit card. The company offered me a settlement offer back in XXXX of XXXX. The settlement offer was for XXXX payments in the amount of {$90.00} by XX/XX/XXXX, giving a total of {$270.00}. 

All three payment were made, and the company have negative information on my credit report saying I owe them three different amounts on all three credit reports. By the fair credit reporting act, they must remove this from my credit due to the error of reporting.
Consumer complaint received 2022-12-15
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: CITIBANK, N.A. (RI)

I had an XXXX dollar balance with AMEX/CBNA they have had me showing a balance since XXXX when closed account. But never realized this and its XXXX dollars. 

I just paid this but would like the XXXX dollars removed from my history as delinquent as did not have or was not given notification had this balance. 

There is no reason should have had this on my credit report. Its absolutely erroneous and needs to be removed as negative impact. 


Credit usage 2 % Balance {$8.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit Card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO XXXX XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO - PAYMENT XXXX XXXX On Time CO Charge off - Data Unavailable
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX I called Chase to report that my accounts were compromised due to a scammer, and that I wanted all withdrawals halted/account frozen. The scammer transferred {$450.00} to himself. Thats all I had in the account. The agent said they could not do that, and that I had to wait until the funds posted to file a fraudulent transaction claim. On XXXX Chase gave me a provisional credit for the funds. On XX/XX/XXXX they withdrew the money and denied my claim saying I didnt call promptly and I could not substantiate my claim. Chase claim to protect its client by providing zero liability in cases of fraud, but does not back up its claims.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (TX)

On XX/XX/XXXX IC Systems added a collection account on my credit file for {$120.00} without any type of notification which violated 15 U.S. Code 1692g of the Federal Trade commission.

I filed bankruptcy in XXXX which this debt was discharged XXXX XXXX Case # XXXX Attorney is XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX As a condition of my employment, I can not have any derogatory information on my credit file after my discharged bankruptcy. 

This was an XXXX XXXX bill which I had no knowledge of still owing. I have contacted the company and was assured that the item would be removed by XX/XX/XXXX, this company has been known for not following FDCPA guidelines. I spoke with XXXX ID # XXXX. This has to be resolved immediately. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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)

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.
Consumer complaint received 2023-03-07
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: Bread Financial Holdings, Inc. (FL)

I am submitting this complaint because of a Hard Inquiry on my Credit Report by Comenity Bank for a XXXX credit card on XX/XX/2022. ( Appears as COMENITYCAPITAL/XXXX  ) XXXX I have NEVER applied for a XXXX credit card, therefore, the hard inquiry by Comenity Bank is totally unauthorized. I reached out to Comenity Bank and they denied the inquiry stating, " they are unable to explain my credit report ''. They advised me to contact XXXX directly. XXXX confirmed the inquiry and advised me to file a complaint and send copies of the complaint to them to have the hard inquiry removed from my credit report.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

On XX/XX/2022, I opted to open a citibank checking account promoting {$50000.00} for a {$1000.00} bonus. Ive met all terms and conditions. I never received the bonus. Several expedited inquiries, including requests from the branch manager have all been ignored. Its been OVER 5 months since the initial deposit was made.
Consumer complaint received 2024-03-13
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. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-01
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: ACIMA CREDIT, LLC (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (TN)

I contacted this company for validation of the debt that they have inaccurately reported to my credit profile. I have found *several* contradicting information on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again.

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I opened the account on XX/XX/2021 for a credit limit of XXXX I was using the credit to obtain XXXX. The debt was immediately charged and I have been making timely payments. I had signed up for e-statements but did not start receiving them until XXXX regardless I have always just gone on the site and made the payment. Recently as I was noticing after over a year of paying my balance was not dropping much so I pulled up a statement. On that statement, I noticed XXXX being charged for Credit protection in case something happens and I can't make the payment. I NEVER sign up for add-ons like that as I don't see the need for them. I have asked repeatedly to see when and how I signed up for it. What did I sign? I did not authorize this charge and if it was because I didn't opt out of something that is not right. Services like that are to opt in! I have been charged almost XXXX. I have canceled the service but am looking for a refund of prior charges as again I DID NOT authorize this payment. When I call the company I have been hung up numerous times and last I spoke I am to hear back from someone. I'm confident I won't.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

I have tried numerous times contacting Lexis Nexis to provide verification of any such bankruptcy. And was told numerous times to contact XXXX, who in turn placed me back to Lexis Nexis. A representative at Lexis Nexis continues to state again that I need to contact XXXX again. Lexis Nexis has continued to fail in providing verification of such record. I requested Lexis Nexis if they are not able to provide any sort of paperwork and verification, that I requested to have the information deleted from my file, which they did not do. And that I would be filing a CFPB, FTC, and State Attorney Generals complaint as well as leaving an unfavorable XXXX review.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: MIDFIRST BANK (CA)

I sent an email to XXXX on XX/XX/23 with this message : My account XXXX, i got the 1099 and it says you withheld money from me, why did this happen when i am not subject to withholding? 

They replied with information that had nothing to do with my inquiry so i called XXXX and spoke to a supervisor on XX/XX/23 requesting my original application paperwork that i signed and completed, it was supposed to arrive in 15 min and it did not, i was supposed to respond to this missing email with my fax # in order to also receive my previous 1099s I called on XX/XX/23 and no supervisor was available and i was told i would receive a call within 48 hrs, that did not happen I sent an email on XX/XX/23 with this message : Hello, I spoke to a supervisor on XX/XX/23 requesting my original application paperwork that i signed and completed, it was supposed to arrive in 15 min and it did not I called on XX/XX/23 and no supervisor was available and i was told i would receive a call within 28 hrs, that did not happen I want my paperwork sent to me and i will not call again and waste my time, if i do not get this paperwork within 28 hrs i will assume VIO is refusing to send it and i will be filing a CFPB complaint XXXX XXXX told me to call the XXXX #
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CO)

While traveling overseas, I was given a drink that was XXXX for several hours. During this time my wallet was stolen, a merchant initiated fraudulent transactions totaling over {$20000.00} across every credit card in my wallet, then after I had awoken ( and not realized I was XXXX ) my wallet was returned to me as " found ''. I did not realize these charges were made until I saw fraud alerts on my phone the next morning. 

I have attempted to resolve the issue with Chase multiple times and they have rejected my case and declared " You notified us that this transaction is valid '' This is false. 

The charge in question was to a merchant I never visited nor can I identify. An internet search of the merchant yields no results and does not appear to exist. It was XXXX of the XXXX merchants that initiated charges on my cards that night. 

I have tried to contact them multiple times and have been told someone will contact me within 24-48 hours and no one ever does.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COMMERCE BANK (MO)

Commerce Bank XXXX XXXX XXXX, MO A snowball effect of overdraft charges from smaller XXXX transactions going through one at a time. All overdraft charges were from legitimate charges going through when I did not have enough money in my account. The overdraft charges inevitably made it impossible to bring my account into the positive. Each penalty is worth {$36.00}. 

XX/XX/XXXX - XXXX x {$36.00} = {$140.00} XX/XX/XXXX - XXXX x {$36.00} = {$140.00} XX/XX/XXXX - XXXX x {$36.00} = {$72.00} XX/XX/XXXX - XXXX x {$36.00} = {$36.00} XX/XX/XXXX - XXXX x {$36.00} = {$140.00} XX/XX/XXXX - XXXX x {$36.00} = {$140.00} Total = {$680.00} I called the bank to ask for help. They were able to refund 4 overdraft charges, along with an additional {$50.00} leaving me {$490.00} in the hole. I called again asking to speak to a manager but was never able to reach them and was told this wouldn't be solved by a manager override. I've been having financial issues stemming from a divorce in XXXX and being blindsided by a lack of additional employment due to COVID. I've been asking for years for any kind of tools or resources I can use to help mitigate issues, and until I prodded today over the phone was not aware that I could be using a loan I had from them to buffer my overdraft charges, nor was I made aware that setting up a savings account could help. I was given no valuable advice or suggestions in 4 years. It's hard for me not to believe these resources were withheld from me ( after REPEATED requests for assistance ) because overdraft charges are a more lucrative endeavor than helping customers get on their feet.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I checked my account on night of XXXX and found both my checking and savings account to be drained. There has been no warning or notice. My account was just closed. Thinking it could have been a system error, I decided to wait until the morning of XXXX. Now I'm not able to even access my account or find out how much money was in my account. All it shows me is my credit card debt. 

There were money both in my checking and savings account. But both accounts are now closed. Fortunately, I saved my checking account statement. Unfortunately, I didn't save my savings account statement. For my checking account, I should be receiving {$160000.00}.
Consumer complaint received 2024-03-13
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)

TransUnion is reporting unknown and unauthorized inquiries 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 2023-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

On XX/XX/XXXX, I received a past due notice on my property taxes by XXXX XXXX XXXX. These taxes have not been paid by Freedom Mortgage since we purchased the property in XXXX. I called Freedom Mortgage and they advised me to submit an email to their Customer Service center and they would research the issue and have it paid within ( XXXX ) business days. Since then I received an email from them stating that they would have to research the issue and would have me a answer by XX/XX/XXXX. To date XX/XX/XXXX they keep telling me that they are trying to get in contact with the XXXX XXXX XXXX office but the County said they have heard nothing from Freedom Mortgage. I have emailed them the phone number, statements and follow up on a weekly basis and was told they will have to research the problem again. My property goes on a `` County for sell List '' on XX/XX/XXXX if this is not paid in full. I make all of my payments to Freedom Mortgage on time and have never been delinquent on a payment. There is an escrow account set up for this property through Freedom Mortgage and they have failed to make the appropriate payments for taxes.
Consumer complaint received 2023-03-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (AR)

My husband and I have files several disputes with XXXX, XXXX, XXXX, and BRIDGECREST, about inaccurate information on my credit report. The first time Bridgecrest was reporting all the negative payment history and refused to include the positive payment history. After trying to dispute that, Bridgecrest started placing IN REPOSSESSION for each month for 3 years after the car was repossessed. We sent in another dispute, XXXX, XXXX and XXXX reported the same inaccurate information. We tried to fix the problem by calling BRIDGECREST to report the inaccurate information. XXXX told us, they wasn't fixing anything, because everything they sent to the credit bureaus is correct until 2026. We explained that the account cant be still open, if we don't have the car. We also let him know, reporting IN REPOSSESSION for years on our account is not fair. He replied, it is what it is and that is what they will continue to report every month.
Consumer complaint received 2023-02-28
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. (CA)

XXXX XXXX Account # XXXX has violated my rights by : 15 U.S.C 1681 Section 602A : states I have a right to privacy. 

15 U.S.C 1681 Section 604A section 2 : states a consumer reporting agency can not furnish account information without my written consent or instructions. 

15 U.S.C 166b A : states 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 1692C : states a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S.C 1692G : states debt collector will obtain verification of the debt or copy of judgment against consumer and will be mailed to the consumer by the debt collector, at the consumer 's written request. 

I have no knowledge of this alleged account and request extensive proof of debt. This is an FCRA 15 U.S.C 1681 602A, 604A, 166bA, 1692C, and 1692G violation. Proper consumer practices were not adhered to and proper notification was not complied with either. Please REMOVE immediately.