davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
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: AMERICAN EXPRESS COMPANY (VA)

PLEASE HEPL!!! 

I currently have an account open with American Express for my platinum card. One of the benefits that this type of card provides is the Purchase Protection policy. It covers you for loss, damage or theft of items purchased with your platinum card for up to 90 days after the purchase. 

I recently bought a pair of gold emerald earrings in XXXX during a trip there ( XX/XX/2021 ), unfortunately I lost my earrings on a trip to XXXX, XXXX to the beach weeks after the purchase ( XX/XX/2021 ). I called Amex XXXX to provide all the details of the loss and submitted an online claim with all pertaining information. Since then, they have been really difficult to provide a resolution. Every time I call, the waits are long on the phone, and they have asked for a recorded statement, which I provided to them, nevertheless they have come back and asked for a recorded statement from all family members present in the trip with me, and also a recorded statement from the person who hosted us during the trip, and pictures from the trip. Amex XXXX is working with another party a G4 S claim examiner whose request for additional information are not adequate. This is in fact a way for them to make this claim 's resolution lengthy and difficult, and not pay the claim when by the policy means I am entitled to receive the benefit after providing all adequate information pertaining to the process of the claim. 

PLEASE HELP!! claims is for {$3700.00} Thank you!!!!
Consumer complaint received 2021-11-15
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: The Receivable Management Services LLC (NY)

The Receivable Management Services is attempting to collect a debt that is 1 ) Possible identity theft and 2 ) Possibly past the statue of limitations for collection. 
XXXX also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency. 
I am now demanding proof proving this debt belongs to me, including proof of my identifying information that connects this debt to me. 
I am also demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Propel, Inc. (CA)

On XX/XX/XXXX my debit card was stolen and use in a unauthorized matter when I called the bank they said they were going to send me the disputes forms to fill out when I received them they sent me the complete wrong dispute it was someone else 's so they never gave me a chance and denied my claim in less then 24hours also they said they denied because I had deposited money in my account the day prior and that the perimeter which the transaction occured was close to my house i told them my phone which contains my debit password was also stolen so basicly i cant deposited money in mt account because its suspicious which is ridicolous i also have a police report along with the wrong dispute form the bank sent me and never fixed it
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent a letter out to XXXX, Equifax and XXXX on XXXX XXXX However its been more than 30 days and they havent sent me the investgation According to the law 15 usc 1681 they should conduct a investgation to see if its accurate or inaccurate withun 30 days or the account should be deleted.
Consumer complaint received 2021-11-15
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 — Investigation took more than 30 days
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results
Consumer complaint received 2021-11-15
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: CREDIT ACCEPTANCE CORPORATION (NY)

Credit acceptance is attempting to collect a debt that is past the statue of limitations for collection. Amount due is also incorrect. 
XXXX, XXXX and XXXX also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency. 
I am demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's. I am also demanding detailed report of accounting. 
Information provided to me indicates original date of delinquency of XX/XX/2015 which is now over 6 years old and is now time barred.
Consumer complaint received 2023-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (MO)

Once again~Servicer is intentionally trying to delay borrowers payment to increase the risk of default. CCM has had my mortgage payment since XX/XX/23 mailed on XX/XX/23 through usps. I HAVE A TRACKING NUMBER SHOWING AND A SCREEN PRINT SHOWING IT HAS YET XXXX BE PROCESSED As of XX/XX/23 they had not processed the payment. Just like last time they waited too long to process the payment and caused a late fee and there being a returned check. Although this time these are certified funds. Last time they caused a 30 day late on my credit report making me denied for financing and higher interest rates due to credit score. I believe they are intentionally trying to make me default on the loan so they may acquire my property.
Consumer complaint received 2022-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (IL)

XXXX cards were opened in XX/XX/2022, I received XXXX credit cards in the mail from Amex. I have called AMEX and have them cancel the card and pay with the bank account that was on file. The total amounts were above {$25000.00} on the cards
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written permission.

15 U.S.C 1692 C
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I asked the CRAs to take off old information, as NY now says that 3 year old information can be removed. I have been paying off my debts and cleaning my record. A woman at Transunion got mad at me and has since been destroying my credit information. She has been refusing to remove old information of delinquent payments, my loans that I just payed off have been completely removed from my history. Some paid items are still being reported as unpaid. XXXX is on my report with an old debt and the date is being shown as current and neither will remove the debt. Also every few days my score is dropped for no reason. It just shows XXXX points removed. Since my complaint, my score has dropped XXXX points and nothing has changed. They are systematically destroying my credit on purpose because I complained. They speak to me unprofessional, and are using their position to destroy my credit. Their behavior should be investigated federally.
Consumer complaint received 2018-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (SD)

I keep getting calls from XXXX XXXX XXXX. They use different phone numbers every time but I have kept track. I have requested to be removed from their list every time and yet they continue to call. They are trying to contact my father, but I am not responsibly for anything related to him have no knowledge of debts he owes so they need to leave me out of it. They have called me a total of five times after I initially requested to be removed and this last time they said that previously my name was not added to the Do Not Call list. This is illegal. I have nothing to do with the debt owed and have requested to be removed. This needs to be handled. 

I received calls : XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX STOP WITH THIS ILLEGAL PRACTICE.
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

XXXX first missed payment XX/XX/XXXX. Target gets judgement XX/XX/XXXX. 7 years credit reporting should end XX/XX/XXXX. Equifax says XX/XX/XXXX. Does a creditor get XXXX chances to report bad debt 7 years to the credit agencies? XXXX with the first missed payment and XXXX for a judgement for same debt., in my case 1 year later. Loophole : Creditor can report debt when first delinquent then wait till the last month of the 7 year period, obtain a judgement for same debt then get another 7 years of reporting for a total of 14 years of reporting to credit report agencies for XXXX debt. FDCA needs to be amended to reflect that the 7 years clock starts the first month of default, or no payment on the debt and that any subsequent judgement obtained by the creditor does not start a second 7 years debt reporting but fall under the 7 years that started the first month of default or non payment of the debt. The law needs to reflect that a judgement is just a part of the debt collection process and does not make an already reported bad debt as a new separate debt. By changing the law, creditors will have to obtain a judgement in a timely manner and close the loophole that allows them to wait as a strategy to report the debt for longer then 7 years. It will also prevent the creditor from having XXXX debt reporting clocks. The way the law is now creditor can report debt twice, the debt itself, and then the judgement giving XXXX, 7 years debt reporting clocks as if they were XXXX separate debts.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

On Saturday XXXX, XX/XX/2021, I deposited A cheque in my business account at the ATM for the amount of {$3900.00}, The Balance in My account was {$7100.00}. 
On Monday XXXX, I checked my account on line, the balance was {$0.00}, I called citi bank to see what is happening. 
they advised me to call the fraudulent Department, because my account is blocked, I called the fraudulent Department, I give them my account number, she said no account with that number. 
I give her my debit card number, she said no card with that number. i said i will go to the branch. 
on XX/XX/XXXX, i went to the branch, and i asked to close the two accounts i have with them.

They closed one, and they have to call the fraudulent Department to unblock the other account. 
XXXX XXXX called them and told me, my account blocked because i deposited a fraudulent cheque. and i have to wait for the fraudulent department to close my account and send me a letter explaining what happened. i give them the proof that the cheque is paid from XXXX  XXXX XXXX to citi bank, they did't care.
Consumer complaint received 2023-02-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I am stil very surprised you all are reporting inaccurate information on my credit file. You are violating my rights, You received my dispute on XX/XX/23 but didnt start investigating ( see tracking info ). You now have less than 15-30 days to delete this inaccurate info. It seems like you verified information thats inaccurate information without doing a proper investigation. Please reinvestigate this matter because I am trying to get insurance. I found inaccurate information on my file, Experian please remember the law states you are out of metro two compliance and will face violations if this information isnt removed from my file. I also circled the inaccurate information with red ink and attached the credit report showing inaccurate information, my ID, and my proof of address. this is a form of defamation on my strawman.. I am expecting a new report sent to my address above as soon as the inaccurate information has been removed.
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

JPMorgan Chase Bank , N.A . acquired my previous bank First Republic Bank. The transition date for commercial checking accounts was XX/XX/XXXX. Since that day I have been unable to access the commercial checking account for my business or check on the status of the account. 

In attempting to resolve this, I have spoken to 11 employees of the bank in the client services group, the local branch, the commercial banking group, and the tech support group and spent roughly XXXX hours on the phone. So far there has been no progress in getting access to this account, and the current state is that they have no one for me to call that can resolve this problem. I am informed by XXXX of commercial banking and XXXX XXXX in the local XXXX XXXX branch that the request for access is escalated, but no indication of who to or what the timeline for a response is, now 11 days after I lost access to the account and the money in it.
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc. (TX)

Dear Sir : I have a membership with Experian Credit watch : I have been in good standing with them for a long time and have an auto debit for my monthly membership fees. Well on XX/XX/year> which will clear on XX/XX/year> they took {$21.00} out of my account. I called them about it and they said they would take care of it and refund the money. I thought it was taken care of but today I checked my Bank Account and they took another amount of {$17.00}. Sir this is not the first time. This has happened in the past. I want money back I'm a XXXX XXXX XXXXXXXX veteran and live on a budget. They are suppose to protect against money rip off deals and here they are doing it. This can not stand. I demand my funds back and then and only then I will consider if I stay with them or not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2021 we noticed a {$300.00} transaction from XXXX XXXX XXXX was approved and pending on our account. We immediately called Chase and notified them of the fraud and to get a new debit card number. This all happened ok except having to wait an hour on hold and being disconnected multiple times. 

I thought everything was ok and we watched the account for the outcome of the pending transaction. Would it fall off or post? If posted we knew more follow up would be required. As we waited, we were using the remaining debit card as the other was shut off. On Sunday, XX/XX/XXXX we withdrew funds from an ATM to purchase our XXXX son a puppy. I got a text from Chase fraud asking if I attempted the transaction. I replied yes and Chase acknowledged my reply. Next, Chase restricts my account and will not allow access to my remaining funds. I am being treated like a criminal instead of a victim of fraud. I have tried to call multiple times. The average hold time is an hour and a half. The agents do not try to help or offer anything. We get disconnected in hopes we dont have time to wait another hour and a half. We tried the branch no help there just to call the fraud department. Well thats more wait times over an hour and the agents just transfer us around with more exorbitant hold times. The bank is willfully understaffed. 

I need someone to resolve this. I just need someone to help me. I hope the cfpb can get someone to help and address their service levels. 

At this point, I dont know if I want to continue business with them. I just want what is rightfully mine. It is criminal to hold someones money hostage without being able to talk to a person without spending hours upon hours on the phone.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (FL)

This morning I was placing credit freezes on my credit reports at XXXX, Experian, & XXXX. I had no problem putting freezes on my report at XXXX and XXXX. Experian did not allow me to place a freeze on my report. Their webpage is confusing and attempt to direct you to a paid service to place a freeze on one 's report. They should be made to make it easy to locate the area for a free credit freeze per the law. 

After I located the correct area to place the freeze and completed the form it took me to another form which stated they were unable to place the freeze and gave me instructions to send them a certified letter to complete the freeze. This is unacceptable. They seem to be making it intentionally difficult to provide this mandated free service. 

When you attempt to call them their system takes you on a multi-minute phone tree which at the end disconnects the line. Unacceptable.
Consumer complaint received 2022-11-28
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. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-11-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Hello this is a new complaint for chase bank jp Morgan not sending my savings account funds that was closed on XXXX for the amount of {$18000.00}. I was told by chase to speak to XXXX at XXXX XXXX at XXXX XXXX to release my funds. I did speak to XXXX on XXXX and he stated that he and XXXX XXXX were not in fact holding my funds and he and XXXX have not spoke to chase since XX/XX/2021. He stated that chase was holding my funds and they have no involvement in my funds being released.He would be willing to make a statement in court and testify to assist me in getting my funds released.I have since called chase corporate office at XXXX XXXX several times and left messages for XXXX the person handling my funds and she will not return my phone calls and or messages that I have left.it has been XXXX  days since my account was closed and still have not received my funds. I have consulted a financial service attorney to file a lawsuit against chase bank, jp Morgan. thank you for your assistance in this matter. XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.