davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 I went to a shop to get my car repaired. I used my chase debit card to pay for the {$200.00} repairs. The mechanic did not repair my car buy did more damage to my car. 

I wanted to get replacement brake pads and the mechanic messed up my power steering rack and pinion making my car very dangerous to drive as my steering wheel rack and pinion was un steerable. 

I called chase bank on XX/XX/XXXX and filled a dispute claim. Chase granted me provisional credit of {$200.00}.

After 90 days chase back sent me a email stating that I owe the them {$200.00}.

Chase claims that I did make the transaction, Yes I did make the transaction for my car to be repaired correctly and not for my car to be Sabotaged.

Chase is in the wrong for not protecting me as a customer.

I do not owe chase and will not pay chase my {$200.00} of which was stolen from me by way of a untrustworthy crooked mechanic who was out to destroy my car.

Chase needs to be under severe investigation for not following the guidelines of customer financial protection.

Chase was against me as a customer in regards to my {$200.00}.
Consumer complaint received 2024-01-10
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. (GA)

XXXX XXXX XXXX XXXX XXXX  XXXX Amount : {$110.00} XXXX XXXX XXXX XXXX XXXX Amount : {$140.00} XXXX XXXX Account XXXX XXXXXXXX Amount : {$2300.00} XXXX XXXX Account XXXX XXXXXXXX Amount : {$270.00} I contacted this creditor ( XXXX XXXX XXXX ) on XX/XX/XXXX XXXX XXXX XXXX XXXX which is also the number that is furnished at the bottom of my consumer report for me to contact regarding this account. I requested to speak with a supervisor and explained I have not received a 1099-C form due to the account being written/charged off as loss/paid debt. It will then become taxable income for me to file which is prohibited to furnish taxable income on a consumer report per FCRA. The supervisor stated the account has been turned over to a collection agency known as XXXX and he can not provide me with additional information due to no longer owning the account. He then proceeded to transfer me to the agency. The line had given a busy signal and then disconnected. I then tried contacting them directly with the number the supervisor provided me which is XXXX and it never rings only to provide me with a failed call message. I would like this account to be removed from my consumer report as it is hurting my chances to obtain credit or continue with my homebuying process. I would also demand for the additional accounts that I have listed above to be removed as well due to not receiving a 1099-C form, the account being listed as charged off and the creditor not being able to provide me with additional information. These accounts have been disputed in the past beginning XX/XX/XXXX as well as validation of debt letters sent directly to the creditors on XX/XX/XXXX with no response.
Consumer complaint received 2020-04-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PNC Bank N.A. (FL)

I called PNC bank at the customer service # XXXX talked wiith XXXX XXXX in XXXX2020 at XXXX XXXX   aproximately regarding a payment extension because i'am on an unpaid leave until further notice pending federal, state or county authorization to reopen because of the COVID 19 W.H.O. declared pandemic and US nationally declared emergency and he told me he was transfering me to collections department to resolve the issue, then XXXX answered at XXXX aproximately from the collections department i explained my issue and she told me that i will have a payment term extension and not pay nothing until XXXX2020 and a letter will be sent to me. 

I received the letter aproximately a week later from the XXXX2020 call and it states that in one of the terms and provisions that i may have a negative effect on my credit. I called immediately at the phone number on the letter which is XXXX when someone i assume a female voice answered ( who didn't give me time to ask her name by the way ) from PNC Bank collections department on XXXX XXXX XXXX XXXX2020 at aproximately XXXX i asked her that if my credit will be affected by this agreement and she rudely and in a cutthroat manner told me they dont work with credit reporting companies that i need to call them or handle it with them. I asked her for a manager and she told me that the manager will tell the same thing and in the second time i asked her she cut me off and sent me to a hold and then another customer service agent i think from collections named XXXX answered at aproximately XXXX am that day. XXXX told me that that is just a term or condition that is in the blanket agreement but that i don't have to sign it and send it. 

Also PNC bank sent me another letter stating : a Notice of Right to  cure and intent to repossess dated XXXX XXXX 2020 stating i need to pay XXXX2020 or they will be exercising their rigths under the law such as the rigth to repossess any property held as collateral and hold me personally liable or responsible for any diference between the sale of the property and the final balance. 
The CARES act specifically provides information and what to do regarding this situation.
Consumer complaint received 2020-04-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I got an email from Bank of America in response to my previous claim. In the mail has been stated to call this number before the XXXX of XXXX to speak with miss XXXX, I called multiple time avery day during the whole week and every time what I get is a Voice note. I LEFT A VOICE MESSAGE WITH MY NAME AND PHONE NUMBER AND TILL THIS DAY NO ONE HAS CONTACTED ME.
Consumer complaint received 2023-01-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI (MI)

My name is XXXX XXXX XXXX XXXX, I am the original creditor, natural person, and consumer moving in commerce on behalf of my estate. I have been reaching out to this Collection agency, demanding that they delete all of my information out of there system because they are a third part company that I never did business with. I never gave them consent to have any of my information. They are infringing on my privacy. They are regulating under the FDCPA, in which they are violating there laws. This is abusive practices because this in hindering my lively hood. I never gave them written consent to have any of my information. 15 U.S. Code 1692b - Acquisition of location information- ( 2 ) not state that such consumer owes any debt ; I called them 56 times today every call they stated that they were attempting to collect a debt. Therefore they are violating my rights. I also demanded that they delete all of my information out of there system. And everytime they refused that they wouldnt, and told me I had to pay. Those responses made me feel that I am being extorted and if I dont pay them I am going to continue to be forced to be stagnant in life because this collection is hindering my well being. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Also, ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or
Consumer complaint received 2020-08-04
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. (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. XXXX XXXX {$5200.00} XXXX   XXXX {$2700.00} XXXX XXXX XXXX XXXX {$910.00}
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX is both identfied wrong on my credit file it should br XXXX XXXX not XXXX  the correct listing is XXXX XXXX and amount owed is wrong i owe XXXX not {$85000.00} they have listed so me missing payments are somebody fault there not mine do what you have to thanks
Consumer complaint received 2020-04-14
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA STILL HAS NOT CREDITED THIS BECAUSE ** ( THERE ARE NO TEMPORARY CREDITS TO BEGIN INVESTIGATION FOR XX/XX/XXXX TRANSACTIONS ) ( DUPLICATE ** UNAUTHORIZED TRANSACTIONS. ARE POSTED XX/XX/XXXX ) This investigation took a year to complete and NO REFUND OF FRAUD See attatched FRAUD CLAIM LETTER XX/XX/XXXX XXXX XX/XX/XXXX claim date {$470.00} UNAUTHORIZED ) & TEMPORARY CREDITS MADE PERMANET. see transactions XX/XX/XXXX - XX/XX/XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOTAL {$470.00} ** THIS AFTER XXXX & XXXX REFUNDED BY MERCHANTS. XXXX XXXX {$120.00} XXXX {$210.00} see attatched XX/XX/XXXX statement transactions XX/XX/XXXX XXXX ** KINDLY NOTE ( F ) REFERNCE NUMBER in front of transactions ** MEANS USAA WAS WELL AWARE THESE ARE PREVIOUSLY REPORTED FRAUD. USAA KNOWING POSTED **'DUPLICATE UNAUTHORIZED TRANSACTIONSC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOTAL {$470.00} USAA HAS HELD ME ACCOUNTABLE FOR {$470.00} & {$470.00} FOR 2 YEARS. THIS DESTROYED MY EXCELLECT GOOD CREDIT.
Consumer complaint received 2023-02-18
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: Experian Information Solutions Inc. (GA)

XXXX please remove the credit inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian please remove these credit inquiries, they are fraudulent XXXX XXXX XXXX XXXX XXXX please remove these credit inquiries they are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-13
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 (NC)

I am unaware of any valid contract with XXXX. They are currently reporting negative information on my credit file ; in which they claim I owe {$580.00}. I was first made aware of this situation when I went to apply for a personal loan and my application was declined due to this derogatory account that is still in my credit file. 

Please be advised that all attempts to validate this debt and request a contract have been unsuccessful. I have been told by this company numerous times that they can not provide me with a signed contract. They repeatedly keep sending me bill copies. This is not a validation. I was also sent a letter dated XX/XX/2019 indicating that they no longer have my application on file. How can they prove that this account belongs to me and that I initiated this account? 

I am keeping a file of the ongoing correspondence with XXXX  and demand that this negative information be removed from all XXXX credit files immediately. This has been an ongoing issue and I would like for it to be resolved as I am preparing to file suit for derogatory information on my credit file.
Consumer complaint received 2020-06-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

I received a call stating that someone had used my XXXX account to purchase a new Cell Phone. 
XXXX XXXX  XXXX  was to be my source bank to process the cancellation of this charge. 
The got as far as trying to get XXXX to send {$300.00} to their email to deposit that money to recover the the theft of the charge to my XXXX account. 
XXXX correctly placed a hold on this payment. 
When the criminals called again to verify the transfer I explained that I had reported them to The FBI! I also told them some very caustic statements for my pleasure. 
Another bad guy from XXXX XXXX XXXX stifled at his own game.
Consumer complaint received 2024-03-13
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: EQUIFAX, INC. (NJ)

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 2023-02-18
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. (GA)

This problem is with the reporting a negative item by XXXX XXXX XXXX XXXX. 
This IS NOT in dispute of the accuracy of the information provided by company. This IS NOT in dispute of any information used as verification. 

This dispute is in accordance to the FCRA violation of 15 U.S code 1681A ( 2 ) ( a ) ( i ) which states : 1681A Definitions ; rules of construction ( 2 ) exclusion ( a ) a consumer report SHOULD NOT include any_ ( I ) Report containing information as solely to transaction or experience between consumers and persons The attached documents show that this account is a transactional account ( deposit checking overdraft ) and does not report within the FCRA guidelines. This the type of account that this law was put in place for.
Consumer complaint received 2020-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I applied for XXXX cc accounts ( XXXX consumer and XXXX for my company ) back in XXXX of last year. I had built my credit up over a period of a few years to the high XXXX 's and hadn't had any cc 's for a number of years so decided to apply for a few to take advantage of some of the perks and benefits ( travel miles, cash back, etc ) that many of of the CC companies offer these days. I was approved for the XXXX mentioned above with Chase ( plus a couple others from other institutions ). At the end of XXXX my work took me to XXXX XXXX and in XXXX, the whole Covid crisis hit and my business was dramatically impacted ( not for the better ). 

Luckily ( or so I thought ) I had the credit cards available as a back up to keep things going. While I did wind up having to max them out, I never once missed a payment ( nor was I ever in any danger of doing so as things were beginning to pick back up ). Imagine my surprise then when not XXXX, but all XXXX of my cc 's with Chase were closed all at once in XXXX. This ultimately wound up putting extra strain on my business as I was unable to access any funds I had paid down as things were still not consistent even though business was picking back up. 

I have been with Chase for 10 years and have tried getting in touch with them regarding this matter. So far, I've only been able to speak with someone from an outsourced country who clearly has zero power to address any of my concerns. On XXXX occasions, they merely took my information down then said I would be getting a letter in the mail indicating their decision and that someone from their XXXX offices would be calling me. While I did receive a letter, I never heard from anyone to give me an opportunity to present my case. I have been treated as a number and not a person. My middle FICO score is still in the XXXX 's and to this day haven't been late on any financial obligations in over a decade.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (AL)

I have already filed this once and it did get resolved, here we are again. In XX/XX/2024 they yet again changed it to in repossession. When in fact it is not. This is hurting my credit file and way of life. Please for the last time do something or Im sueing.
Consumer complaint received 2024-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX  there was a fraudulent ach payment out of my business account to XXXX XXXX in the amount of Ach amount of {$21000.00}. 
While it was in pending status I called Chase Bank to report it XXXX. They paid it and I called 3 days later to get status of it and they said they denied my claim. They said take it up with XXXX XXXX. I called XXXX XXXX and they open a claim but said they probably wont be doing anything as it la on the bank. I filed a police report also after this happened. During same time frame someone wrote a fraudulent check also for {$40000.00} which they did reverse. But they are denying the {$21000.00} Police file number Reference XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-14
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: Quality Recovery Services, Inc. (GA)

I reached out to the XXXX by mailing a letter XXXX  XX/XX/XXXX asking them for verification on Account XXXX I requested them to please investigate and delete from my credit report because I knew it wasn't accurate. It lacked any information about who was the debt collector reporting this inaccurate information that also violated my rights. They responded that they " verified the information ''. After they sent this I asked them to send me a breakdown of what they are alleging that I owe, the breakdown of fees, or bills and who the information came from. They DIDN'T RESPOND. I waited until to this matter was followed up with another letter from me on until XX/XX/XXXX to send a reminder letter and said they needed me to verify my identity. Which I did. On XX/XX/XXXX XXXX finally responded with who was reporting this inaccurate information and they told me Quality Recovery Systems. Being that XXXX  received my dispute back in XXXX via XXXX they were well aware of my dispute and decided to disregard my dispute AND ignore all my request for validation. They are claiming that this is a medical bill. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX  ) to protect my privacy and medical records from third parties. I do not recall giving permission to ANYONE, for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. IT HAS NOW BEEN OVER 90 DAYS SINCE THEY HAVE RECEIVED MY ORIGINAL LETTER. Being that they haven't responded means that they couldn't verify the information and therefore not only violated FDCPA but also HIPAA. This account, account numbeXXXX XXXX XXXXneeds to be removed from my credit report immediately being that it is inaccurate and violates the regulations of the FDCPA and HIPAA.
Consumer complaint received 2020-06-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (KY)

The CARES Act allows borrowers with government backed mortgages ( e.g. XXXX XXXX and XXXX XXXX ) to defer payments up to 6 months, with a simple claim they have encountered financial hardship because of Covid 19 pandemic. The mortgage holder / loan servicer is to defer payments for up to six months without documentation of hardship. At the end of the six months, the borrower can choose to take an additional 6 months deferrement, pay the amount deferred, modify the monthly payment amount, or extend the maturity date for the months of deferrment. It is understood that the normal interest accrual will continue during the deferrment period. 

Numerous source documents, including the CFPB website, reflects this information. 

PNC Mortgage requires an application, proof of hardship, and allows only 3 months forebearance, after which the loan must be brought current with a lump sum payment ( 4 months payments ). PNC Mortgage reserves the right to offer loan modification ( e.g., increased monthly payments ) as an alternative to the lump sum payment. However, going into the 3 month forebearance period, the borrower has no certainty of what PNC Mortgage will require. 

I spoke with, and emailed with, XXXX XXXX, XXXX. She claimed that PNC Bank was awaiting clarification from the federal government about the policies, and claimed that the CARES Act was not clear. 

After I emailed her that I intended to take the option of deferring payments for 6 months on my government backed loans ( one XXXX XXXX, one XXXX XXXX ), and having the maturity date extended by 6 months, I received documents informing me of a 3 month forebearance, after which I must make a 4 month lump sum payment to bring the loans current. This contradicts the CARES Act, and the CFPB guidance.