davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

My Familys members dont have bank account for the Unemployment Benefit from the New State Department Of Labor,  so they used my bank account. There was no problem until XXXX, XXXX, 2020, i saw all the money was gone and i called in. They told me that they need to hold {$2000.00} for some reason and then, they closed my account. They didnt call me to let me know until i called in and found it out. After 3 days from the date account was closed, i called back in and they said they need to investigate. Then, i called back in after 2 weeks, the money is still not returned back to the New York State of the department of labor for my familys members. I believe that there is illegally action in my  situation and I want to file the claim against the bank
Consumer complaint received 2022-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA (GA)

Received a credit card statement in the mail from First National Bank of Omaha XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/22 for a balance of {$1900.00}. My identity was stolen. This is not my activity. The representative on the phone was able to flag this as fraud and close this account. I do not know what becomes of that false charge or what happens next.
Consumer complaint received 2020-08-13
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: Experian Information Solutions Inc. (IL)

I filed a dispute on Experian XX/XX/2020. This dispute was against XXXX. I had filed the same dispute with XXXX  and after they investigated they agreed to remove the negative remark from my report. Experian and XXXX have been difficult to work with and both companies have been hard to get a hold of. This account with XXXX has been paid off. I have the title of the vehicle in my possession. This account is also included in the current settlement XXXX is facing. I am a father to XXXX  children looking to buy our first home. These negative remarks that are not relevant or applicable are severely affecting my ability to do so.
Consumer complaint received 2020-08-13
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: BMO Bank, N.A. (MI)

Inquiry from BMO Harris BK N.A on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I was a victim of the Equifax data breach and Equifax actually admitted to it. My information was sold and bought illegally. I want these negative things removed from my credit reports. this has been ongoing since XXXX  and I have spent endless hours and years trying to fight this activity. Below is my proof I was affected by the data breach Your claim form has been submitted successfully Your claim number is : XXXX
Consumer complaint received 2024-02-22
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX I was searching for some products on XXXX  for my upcoming birthday By a designer name XXXX XXXX and I had found one item I had like and I contacted the person about it. Everything seemed okay very legitimate. I thought I was contacting the real person. Because He gave me very details instructions and I went through with it. Because they didnt have the item I had wanted on the website. I had Sent him a {$150.00} he then told me my money was not going through. An ask me did I just make my XXXX XXXX. I told him yes. So he canceled the payment and told me try again this time send the whole amount in Increments. So I did that after I sent the {$150.00} again I sent {$130.00} and {$300.00} and another {$300.00}. Not knowing he was scam artist and he fraud designer not the real XXXX XXXX
Consumer complaint received 2020-08-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (MI)

Hello FTC ; Comenity Bank calls my phone and my wife 's phone numerous times a day. Starting before XXXX every week day and every Saturday and Sunday until after 2100.We are enrolled with XXXX  XXXX XXXX XXXX XXXX and they have issued Comenity Bank multiple power of attorney notifications in which case a Comenity Bank agent informed me they don't work with debt solution companies. Comenity Bank has called my brother and my son.This has been ongoing since we started with XXXX XXXX XXXX on XX/XX/2020 to present XX/XX/2020 were they called my brother this morning. I ask that the FTC abolish all my debt and all my wife 's debt with Comenity Bank and fine them {$1000.00} for breaking FTC laws. Thankyou.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Sent this same complaint to company last month and they responded they was not going to reinvestigate theses items that Im challenging! Its the law to investigate! Please remove all items listed or verify that they belong to me! XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX! None of these items mentioned has validated that they belong to me! Also I have no contracts with these creditors! Please remove immediately! 
,
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I generally run a positive balance on my credit card at Bank of America ( BAC ) to ensure that if I miss a payment I am not debited with the inordinate charges that banks levy in such instances. 

Ever so often, BAC debits my credit card with the credit balance on my account, e.g., {$1000.00} on XX/XX/XXXX. A week later, my account shows a balance of {$680.00}, which obviously does not look right to me, as I had a credit balance of more than a XXXX XXXX a week ago. On investigation, I notice that they removed ( dare I say, stole? ) {$1000.00} from my account. This debit did not go straight into my current checking account. So, where is it? 

So, I now have to set aside time in my busy schedule to call them up and eventually find a person to whom I explain the situation. Much apologies, etc. but not sure where the money went. I told him it happened before and I think you sent me a check to cover the debit the amount in my account. 

First of all, I don't want a check, another waste of my time. Secondly, if it takes a week for the check to get to me, they had the free use ( float ) of my XXXX  XXXX  for a week. Multiply this practice by a million customers and the bank has just created a billion-dollar float. 

I warned them that I was going to file a complaint with the FTC, so, they promised me that someone from the bank would call me and leave a message if I don't answer. I ask them to text me to let me know of the failed attempt to contact me. Well, almost two days later and no call, no text. Hence, the reason for filing a complaint. ( Other than that, BAC has been my bank since XXXX, and it has been a happy relationship. ) They have to stop the practice of removing credit balances from credit cards. If they insist, then they must immediately wire the money back into the account from which the transfer was made in the first instance. They should not have the right to hold my money form from XX/XX/XXXX to XX/XX/XXXX and counting. I'm sure you will agree it is almost unconscionable. 

This has happened before and I pleaded with them to stop doing this, but they are hard of hearing. Maybe this complaint will correct the matter.
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (DE)

Receive the loan XX/XX/XXXX into my account on XX/XX/XXXX try to make a withdrawal and was denied and told I was not able to use the funds because I was committing fraud straight up discrimination Each bank or credit union has its own rules as to when it will let you access money after you deposit a check, but federal law establishes the maximum length of time a bank or credit union can make you wait. 
Generally, if you deposit a check or checks for {$200.00} or less in person to a bank employee, you can access the full amount the next business day. If you deposit checks totaling more than {$200.00}, you can access {$200.00} the next business day, and the rest of the money the second business day. 
If your deposit is a certified check, a check from another account at your bank or credit union, or a check from the government, you can withdraw or use the full amount on the next business day if you make the deposit in person to a bank employee. 
If you make a check deposit at an ATM at your bank, you can withdraw or use the full amount on the second business day. 
Your bank or credit union has a cut-off time for what it considers the end of the business day. If you make a deposit after the cut-off time, the bank or credit union can treat your deposit as if it was made on the next business day. A bank or credit unions cut-off time for receiving deposits can be no earlier than XXXX XXXX. at physical locations and no earlier than noon at an ATM or elsewhere. 
The amount of time a bank or credit union holds funds you deposit by check is sometimes referred to as a deposit hold or check hold. Some banks or credit unions may make funds available more quickly than the law requires, and some may expedite funds availability for a fee. If you need the money from a particular check, you can ask the teller when the funds will become available. A receipt showing your deposit does not mean that the money is available for you to use. 
It may take longer for you to access your deposit for a few reasons : If you have a new account or if your account has been overdrawn too many times in the past six months ; If you make a deposit over {$5000.00} ; If you make a deposit at an ATM owned by someone other than your bank or credit union ; or If the bank or credit union reasonably believes the deposited check may be uncollectible.

If you or your bank redeposit a check that has been returned unpaid
Consumer complaint received 2020-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Im disputing the Bank of America - XXXX account below. The bank is reporting this debt as a charge off and no payments have been made. I have attached proof that this account is being paid on monthly and that the balance is wrong. 


BK OF AMER {$24000.00} Closed 28 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Charge-off Status date XXXX  XXXX Past due amount {$24000.00} Original loan amount {$45000.00}
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

This company has added their information to my credit report and I in fact had NO DEALINGS or NO CONTRACT signed with this company. Please remove from my credit report now or I will be forced to take legal matters! Please remove from my credit report NOW!!!
Consumer complaint received 2020-06-11
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX XXXX {$2800.00} XXXX {$740.00} XXXX {$2000.00} XXXX {$2800.00} XXXX {$2000.00} XXXX {$960.00} XXXX {$1300.00} XXXX {$2000.00} XXXX {$1300.00} XXXX {$1500.00} XXXX {$2200.00} XXXX {$790.00} XXXX {$460.00} XXXX {$1100.00}
Consumer complaint received 2020-08-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP (MO)

I leased a vehicle from American Honda Financial in XX/XX/XXXX. Made every payment on time through autopay. At the end of the lease ( XX/XX/XXXX over 6 years ago ), XXXX XXXX financed the residual value with a direct payoff quote from American Honda Financial. ( see attached ) Now 6 years later and in a " blackmail '' fashion randomly and without notice, start submitting a " charge off '' of {$450.00} to all credit bureaus. When contacted they claim it was from property taxes paid in XXXX. I contacted XXXX XXXX County Collector to make sure I paid those taxes and I did as well as American Honda Financial. According to the Collectors office, it was the responsibility of American Honda Financial to have requested a refund since I already paid. They had 3 years to request their refund. They never requested a refund and 6 years later are now reporting to the credit bureaus a charge off. This is completely unacceptable and although the bureaus tell me it will just automatically be removed next year ( after 7 years ) I will not allow this unethical behavior that has dramatically impacted my finances and created hardship for me and my family go unchecked.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (FL)

To Whom It May Concern, I am writing to file a complaint regarding a serious data privacy violation that occurred at the XXXX XXXX XXXX Chase Bank located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

Chase account holder : XXXX XXXX Chase banker : XXXX XXXX XXXX XXXX check owner : XXXX XXXX On XX/XX/2024, XXXX XXXX opened an account at this branch XXXX XXXX XXXX Chase Bank located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX, with the banker XXXX XXXX, XXXX XXXX ask the banker can he endorse the check to XXXX to deposit into the account. XXXX the banker said yes, there will be no issues, endorsing a third-party check, and assured XXXX that the funds would clear in a few weeks due to the new account status. 

Ongoing situation due to the block in freeze of the funds for third-party verification. 

However, on XX/XX/XXXX, when XXXX and XXXX XXXX visited the bank to inquire about the status of XXXX account, XXXX informed XXXX that she had mistakenly requested XXXX to endorse the check, which had been red-flagged by the fraud department. XXXX The banker for chase was on the phone with the fraud department at the time and admitted that she was unaware of the protocol regarding check endorsements. She expressed regret for her actions and she wasnt unaware about the updated policy for third-party checks. She feel like all the actions for the miss guidance should fall on her because she represent chase bank. And she should return the check to XXXX immediately or send the funds back to the third-party holder. 

XXXX XXXX express his dissatisfaction with the phone verification process for Chase Bank. For the past month XXXX attempted to verify his identity over the phone, but was unable to do so successfully. This has caused XXXX great inconvenience and frustration. 

Furthermore, lanzie concerned about the potential violation of XXXX data privacy during this verification process. I believe that lanzie personal information may have been compromised or mishandled in some way, which is unacceptable. 

Chase Bank have been unable to verify lanzie identity over the phone, which has resulted in a delay in the release of my check. This situation is not only frustrating but also unfair, as I was misled and given incorrect advice by a Chase employee when opening the account.

I believe that this misrepresentation by a Chase employee is unacceptable and should not be tolerated. I request that appropriate action be taken to prevent such incidents from occurring in the future. It is crucial that customers receive accurate information and guidance from bank employees. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (GA)

NCB Management Services failed to comply with an agreement to remove Account XXXX from all credit bureaus. This is still reporting as a derogatory remark which is affecting my financial health considerably. The original creditor was XXXX XXXX XXXX. The account was settled over 2 years ago on XXXX.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (GA)

Transferred {$500.00} to Coinbase and the funds were taken from my bank account. Coinbase is refusing to allow me access to the funds and it has been three years. Coinbase is claiming that they have reversed the funds to my bank. I have evidence that the funds were never returned to my bank, but Coinbase refuses to view the evidence. I now have to take them to court to even get a reply from them.
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery reported me to XXXX XXXX credit bureau for XXXX different accounts. XXXX of the account is {$1000.00}, the other is {$320.00}, and the is {$1300.00}. I have never done business with Portfolio Recovery, I have never signed any contract with Portfolio Recovery, and I certainly have never given my consent to Portfolio Recovery to place fraudulent information in my credit report at XXXX XXXX. I value my right of privacy. Portfolio Recovery has violated my right as a free man. I repeatedly demanded that portfolio recovery provided me proof that I ever entered into a contract with them, I ever gave them the authorization to put any information in my XXXX XXXX report, and provided me proof and verification of the debt claimed against a free man. I have never received a response from them. Portfolio Recovery clearly violated my right of privacy, my right of freedom, and etc .... I demand that Portfolio Recovery cease to publish false, misleading, and fraudulent information about me to XXXX XXXX.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CA)

There is incorrect item on my Expierion Credit report. I took over a car payment for my mother who passed. Seven months later I had a XXXX   XXXX XXXX. The hospital bills were enormous and I returned the car. The dealer took the car and issued me a 1099. All three credit services posted the transaction as a repossession, which I disputed. XXXX  and XXXX   immediately removed the transaction but Expieron  did not. Tuesday XX/XX/XXXX of this year, I disputed the line item again in Expierion 's website. The next day I received five unsolicited calls from lenders associated with XXXX XXXX from loan officers offering to help me with the credit reporting and requesting I use their services for a loan. I have never called XXXX XXXX and do not know how they received my information