davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (FL)

I received a credit card in the mail today. It is a Chase Visa Southwest rewards card. I did not apply for this card. I do not want this card. I called Chase to let them now. They said they would closed the account, but they would not remove the initial credit pull or the opening of the account. 
I do not believe that is the right thing to do because I never applied for this card. Ive worked really hard to have the credit that I now have and I do not think it is fair that a company can open an account in my name, fraudulently, and not remove all traces of said account when notified that they were not authorized to use my information. 
All Im asking for is that the card be closed and all traces of the application and issuing of this card removed from my credit history.
Consumer complaint received 2022-01-31
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery is attempting to collect a debt from me that I do not owe. They list the original creditor as XXXX XXXX  with a balance of {$720.00} from account number XXXX. I have not owed a debt to XXXX XXXX, and I do not have a debt obligation to Portfolio Recovery Associates. 

I have requested validation of this debt from Portfolio Recovery and they have not provided validation. It has been more than 30 days since the second request. There is no contractual agreement between me and these parties that I owe the alleged debt or that there has ever been any transaction between me and these parties that created a {$720.00} debt obligation. 

Portfolio Recovery is refusing to validate the debt by producing the document bearing my signature that has created the obligation to pay them {$720.00}.
Consumer complaint received 2022-01-31
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My IRA at Capital One was closed on XX/XX/2022. I received a letter in the mail dated XX/XX/2022 stating that my account was closed. No explanation of where my funds are. No prior notice that this would occur. 

I called Capital One today- XX/XX/2022 and was told that I should have received two email notices informing me that my account would be closed as Capital One will no longer be offering IRA accounts. The email address that the notices were supposedly sent to was correct and I have received other correspondence from Capital One before and since regarding my account statements but nothing regarding transfer of my IRA. 
The person I spoke with said she had received several other calls from customers with the same complaint so apparently this is not a problem only I am experiencing. 

The company that received my IRA funds - XXXX XXXX XXXX XXXX, Illinois has not provided any confirmation that they have my funds, and as I write this, I am on hold trying to get through to them. 

Where are my funds? Why was Capital One not required to send a written notice prior to transfer rather than only an email notice? Where is evidence that an email notice was sent? I have searched spam, deleted messages, etc, and I have no record of a notice from Capital One or XXXX.
Consumer complaint received 2022-01-03
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: EQUIFAX, INC. (DE)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-01-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I was in a deferment due to COVID 19 I was told I could put the mortgage at the back end if the loan. To qualify I needed to make 1 payment by XX/XX/2021. I made the payment on XX/XX/XXXX and was told by relationship manager that the payment was short XXXX which I paid on the phone. I was told I would receive a letter in 7 days. I get a call XX/XX/XXXX that I no longer qualify after the payment has been made. Now I'm told I'm only eligible for a modification. I'm trying to refinance and won't qualify if I am in a modification. I was told in XXXX that if I make a payment I would again qualify. I made a payment in XXXX and then told in XXXX that I don't qualify. This chase bank is playing games and giving false information.
Consumer complaint received 2019-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

I was approached yesterday on XX/XX/19, by a woman who said she needed help to buy food for her family. She gave me the impression that this would be a low cost purchase and so I offered help. On the way to the store, however, she revealed the cost would be in the hundreds and I refused. She said there was a nearby ATM that I could use to get some cash for her. While I was nervous during the entire interaction, at this point I began to fear for my life and safety, worried I could be XXXX, kidnapped, or XXXX. There have been a lot of kidnappings and stories of human trafficking in the news that started with a woman being the lure. I diverted her to my bank nearby. She waited outside the only exit for me and I withdrew {$40.00} in cash to give to her, desperate to get out of this situation. When I contacted Chase Bank the next day after reading about similar situations where the bank refunded them, I was told that since I " willingly '' made the transaction and there were no ATM errors, there was nothing I could do, despite the fact that I made it clear I was afraid for my life and safety and felt coerced to make the transaction.
Consumer complaint received 2023-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (IN)

XX/XX/XXXX I was working for XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX ) and XXXX XXXX XXXX XXXX On The Job and Went through Workers Comp and was paid and told by my Attorney XXXX & XXXXXXXX XXXX XXXX XXXX ) That ALL MEDICAL BILLS Would be paid for and not to worry XX/XX/XXXX a collection debt appears on my credit report stating I owe {$1000.00} dollars from a debt collection called Wakefield & Associates I dont own this collection when I was seen through workers comp I have documents showing proof and Ive been trying to get this removed immediately off my credit report because its hurting my score to even purchase a new home.
Consumer complaint received 2023-03-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MD)

XXXX XXXX 2022 Debt was a high interest loan higher than normal and I couldnt pay it down fast enough. So I tried getting a affordable payment plan, perhaps a few months to start because of a unemployment issue. Now the debt been sold and is on my credit report causing damage to my credibility and character.
Consumer complaint received 2022-01-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I purchased a new vehicle ( XXXX XXXX XXXX XXXX ) on XXXX XX/XX/XXXX from a dealership in FL. They selected Capital One Auto Finance, XXXX XXXX XXXX, XXXX, TX XXXX to partially fund my vehicle. I reside in NC. On XXXX XX/XX/XXXX, the loan was paid in full and Capital One sent me a " Lien Satisfied '' letter directing me to the NC DMV to acquire a " lien free title. '' I immediately went to the NC DMV and was told a " Lien Release '' was not good enough that they required Capital One Auto Finance to release the lien " electronically '' so on their computer it would show up as the lien being released and then would issue me a clear title. I relayed that to Capital One Auto Finance and only received another Lien Release letter dated XXXX XX/XX/XXXX. Went to the NC DMV with that letter and got the same response as the first time. Telling me all we ( or I ) could do was wait for Capital One to fulfill their obligation. I sent an unanswered letter to Capital One on XXXX XX/XX/XXXX. Called Capital One again on XXXX. to see if electronic notification had been sent. Called again on XX/XX/XXXX. All phone calls to the Capital One Title Department received nothing but false promises. Continued to search to find avenues to resolve my issue. On XX/XX/XXXX, filed complaint with XXXX ; on XX/XX/XXXX, filed complaint with TX AG. Recently I have found a form MVR-4 to file with NC DMV to acquire a copy of my title since " original was never received ''. However, a portion of the form is Titled Affidavit of First Lien Holder which needs to be completed by Capital One and notarized but I'm afraid if I sent it to them it may find it's way to the same place my original letter did. Any assistance in resolving this issue for me ( and I understand ) others would be greatly appreciated. Right now I feel like I'm on a merry-go-round between Capital One & NC DMV with no clear title in sight.
Consumer complaint received 2019-12-26
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 (AR)

I was charged by XXXX in XXXX of 2019 when i reported the fraudulent charge to XXXX  the refunded the amount immediately. ( I have documentation of this ) I canceled my card in XXXX of 2019. 
In XXXX of 2019 I was billed for the amount refunded. The credit card company state that i was charged again. The bill state the charge was made in XXXX and was posted on XXXX XXXX bill. XXXX stated they did not make a second charge. I explained this to American Express. American Express has not resolved this issue. American Express is trying to charge me for a charge that was refunded to them. I have tried to resolve this with American Express and they continue to bill me for the amount of XXXX.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

The company IC.SYSTEM.INC. Is requesting me to pay the sum of : {$3000.00} in Collection of an account that doesnt belong to me. 
Ive been a victim of ID Theft. 
Theyre harassing me and need to stop.
Consumer complaint received 2019-12-26
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: Credit Protection Association, L.P. (TX)

I have filed complaints and gotten responses from Credit Protections stating that they requested that this account be removed from my report and it usually takes 30-45 days for the bureaus to delete. Yet it has been well past this amount of time so I contacted XXXX  today and spoke with them and they informed me that the last notification they received from Credit Protections was on XX/XX/2019 not on XX/XX/2019 nor XX/XX/2019 like they told me to have this collection account removed. I do not owe this debt I have spoken with XXXX XXXX and also with Credit Protections and neither of them are rectifying this situation they are all just saying that they have requested for it to be removed. I am being told lies and this is a recent collection that is hurting my score and again I DO NOT OWE THIS DEBT AT ALL SO REMOVE IT PLEASE! At least actually submit the request to the bureaus to remove it like you said and attach documentation to this complaint so that I can have it for my records this is ridiculous. Somebody do something please! Stop telling me one thing but yet this account is still on my report!
Consumer complaint received 2023-02-22
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. (IL)

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (NY)

Received a letter dated XX/XX/XXXX that I was short in escrow by XXXX and my payment will go up XXXX a month. Called no one answers. Spoke to XXXX on XX/XX/XXXX she said she could spread balance out over 48 months. Not the answer Im looking for as I am not short in escrow. I had a balance of XXXX in escrow. I told her if they charged me this amount there would be an excess of XXXX at the end of the year. She said they could only keep XXXX in account at end of year. XXXX said to speak to supervisor XXXX XXXX. Left her a message she never called me back. XXXX said XXXX would call back in 48 hours. On hold multiple times over the course of the next few days sometimes 2 hours plus and no one answers. Spoke to XXXX in XX/XX/XXXX she said XXXX is working in escrow account. Requested trust ledger from XXXX XXXX ( my loan was transferred to Gregory funding on XX/XX/XXXX ) escrow balance at time of transfer was XXXX called on XX/XX/XXXX and XXXX stated it could take a month. Called on XX/XX/XXXX and no one answers your just on hold over a half hour. My current escrow balance is XXXX.
Consumer complaint received 2019-11-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Collection Services, Inc. (TX)

First, this is a medical bill. Secondly, the amount I was told I would owe was SIGNIFICANTLY lower than this collections account of {$15000.00}. I was told by hospital my bill would be 10 % of total. Initially insurance paid but then requested refund. Hospital then billed me for this balance. When I contacted them they refused to investigate further and said I needed to contact insurance company even though hospital is the one who initially agreed to only charge me the 10 %. This medical procedure was done XX/XX/2018.
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (TX)

My name is XXXX XXXX, the natural living man, Executor, trustee, beneficiary and legal copyright owner of the said name XXXX XXXX and all other variations of such name/entity. Notice, it is a fact, affiant is aware, credit as defined in 15 U.S.Code 1602 ( f ), is the right granted by a creditor to defer payment of debt or to incur debt and defer its payment. In conjunction pursuant to 15 U.S. Code 1602 ( g ) creditor refers only to a person, meaning not the organization but only a natural person, meaning I, the affiant and the consumer, who regularly extends consumer credit, in connection with loans, sales, property or services payable by agreement which a finance charge may or may not be required or the natural person whom the debt arising from the consumer credit transaction which may be payable on the face of the evidence of indebtedness such as a contract or by agreement. It is unlawful to discriminate in any aspect against anyone who exercised their right in good faith. Credit is the right granted under title 1602 ( f ). Notice, it is a fact, affiant is aware, I have exercised my rights in good faith and I have reason to believe and do so believe I have been wrongfully discriminated against by Discover, as seen in Exhibit A, violating 15 U.S.Code 1691 ( a ) ( 3 ). I was denied credit in this consumer credit transaction, which is an adverse action and in violation of USC 1691 ( d ) ( 6 ). Discover can not send me an adverse action and I have already completed the transaction when I did the credit application. This is aggravated identity theft because they took my business application and entered me into a consumer credit transaction ( knowingly took my business credit application and opened up a checking account without my permission ).
Consumer complaint received 2019-12-26
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. (TX)

On XX/XX/2019 I sent a final letter to the Credit Bureaus discussing an issue with my consumer credit report. I explained that I have sent multiple letters regarding the furnishing of my personal credit file. In the letter, I stated the following : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I also requested verification via a signed application or contract with said companies and have not received anything to verify that I authorized the release of my personal credit file to these companies. To date, I have not received any verification documentation of any kind to resolve this matter nor has the item been deleted. My next step will be small claims court if this matter is not resolved. 

I have studied the law and noted that in order for an account to continue reporting on my file, it must be accurate and verifiable. Neither of which are the case regarding this account. 

I received a letter on XX/XX/2019 stating that they have verified the inquiries. Due to the number of inquiries, I am attaching the documentation sent to each company regarding the request for deletion. 

The additional letters were sent XX/XX/2019, XX/XX/2019 and XX/XX/2019. I have attached copies of the certified receipt and I appreciate your assistance with resolving this matter.
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX I lost my wallet and on XX/XX/XXXX someone made two purchases for a total of {$910.00}. I immediately called the bank and was advised that because the funds were pending and had not posted, they couldnt do anything. I called on Monday and they said because of the Holiday ( XXXX XXXX ) the funds still hadnt posted. The funds didnt post until Wednesday XX/XX/XXXX and by then my account was already - {$72.00} due to bills and a {$35.00} negative funds fee. By this time I had called 5 times and had spoken to multiple representatives that I did not intend to get an immediate resolution to my issue, but I did NEED my funds due to bills and being able to care for my family. On their website they have a XXXX liability policy which they did not adhere to claiming that they had to abide to their claim timeframes. Its now Friday XX/XX/XXXX, my account is - {$570.00} due to bills and I have yet to receive any temporary funds. It is unfair that my card was stollen and I am being held liable. I am working class and I can not wait 10 business days for my account to be credited.
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (IL)

Received a CHIME XXXX debit card in mail and called customer service number on back of card ( XXXX ) to close fraudulent account. I requested account to be frozen and closed immediately in which agent said it could take 3-5 business days. 

Agent would not provide confirmation the account was frozen, nor a confirmation # or ticket number for discussion. There were Managers or Fraud Department specialists to discuss.
Consumer complaint received 2022-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.