davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

In answer to my previous complaint ( Complaint Number XXXX ), Chase has not followed through in resolving the remaining amount of {$2100.00}, taken from my account. Chase answered my complaint by " approving my claim '' for {$6.00} and stating that they would file a " Late Return '' to attempt to recover the funds from the merchant ( XXXX ). 
I have received and returned two forms from Chase Risk Operations that appeared to be validation that I did not have any part in this fraudulent activity and it stated that I would be notified of the results of their research in this matter. These forms were returned to them on XX/XX/XXXX and XX/XX/XXXX of 2020. After not hearing anything after returning those forms, I contacted Chase and no one in either their Deposit Risk Operations or corporate office has any information except to say that my claim has been marked as closed. Chase has apparently dropped the ball on their attempt to recover my funds. I am still struggling to recapture money which has been stolen from my account while under possession of Chase Bank. Chase is responsible for the safe keeping of accounts held by them. My account needs to be made whole for the money stolen from my account while under Chase Bank 's possession ( balance to be recovered is {$2100.00} ).
Consumer complaint received 2022-01-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Auto Financing : Purposely delays crediting customer accounts in order to accrue more interest owed on principal. Monies were transmitted electronically from XXXX to Capital One XXXX XXXX. On XXXX XXXX ( the 2nd business day after the holiday ) XXXX marked it " completed, '' meaning the transaction was confirmed that it arrived at the destination and was accepted. Every day after that, I called and chatted with Capital One, was put on hold while they checked and was told each time that their system had no record of my payment. When asked how long it takes for an electronic payment to post, the Capital One person said, " Oh, it's automatic, in one or two days. '' It is now 8 days ( 5 full business days ) and I literally watch the interest accrue on my account about {$2.00} every 24 hours. I know that's a small amount but if you multiply that by millions of customers, that's a lot of money! They use the excuse of " the holidays '' to generate more interest. I had XXXX draft a letter and I faxed it to Capital One. I have no doubt they will eventually post my payment but I find this purposeful delay practice horrible in an economy when every penny counts. Shame on Capital One!
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I submitted a complaint for this fraudulent claim. the response back from that complaint was that I needed to provide utility bill that proves where I resided during the time of the false reporting. I have attached that document as well as the previous documents.
Consumer complaint received 2023-03-08
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (OH)

On XX/XX/XXXX at a KeyBank location in XXXX, Ohio, I attempted to withdraw a {$1100.00} money order from 1 of my 2 checking accounts with a teller. The account I tried to withdraw from had a recent SBA loan deposited. This loan I had recently applied for and was approved for since I own businesses. The teller saw this deposit as potential fraud needing verification according to how she said she was trained because she is a new employee so she called over a manager named XXXX. I asked them both if I could draw from my other account which had sufficient balance to cover the {$1100.00} money order and he said no. He proceeded to tell me my in front of other customers, staff and the other manager that my account " was fraud '', my account would be flagged due to the SBA fraud and he needed me to sit and wait while he verified this deposit. I sat and waiting while he and another manager named XXXX called someone regarding this. I do not know who he called. As I waited I asked XXXX why could I not get {$1100.00} since my accounts had more than enough to cover this and/or I could take it from the other checking and he said XXXX is handling this. I showed him the SBA loan approval in my phone and the screen went dark and he asked me to reload it and I did and he looked again but still did not help. After 15 minutes XXXX told me I could get the {$1100.00}. As the teller was withdrawing my money order he mentioned to me where both of my accounts were opened and said in front of her that my account may be closed after I leave due to fraud. XXXX accused me the entire time I was at the bank a being a criminal. He and XXXX did not allow me to withdraw from either account which is not proper protocol. XXXX had no reason to suspect a fraudulent transaction. I showed my ID, I have been a customer since XXXX. I believe he profiled and discriminated against me. I am young and XXXX. He also made an exerted effort to watch me walk out the back to see what car I was going to or who I was with. His behavior was over and beyond protocol. He can not determine by calling anyone if my SBA loan was fraudulent. In speaking to a KeyBank executive, she acknowledged that he was supposed to at least let me draw from the other checking account. I want to know who XXXX called and what was said about me. I also suggest the video be seen of this situation. I asked a few times while I was there why I could not draw money when my SBA loan was less than my account balance before it was even deposited. He blocked all my funds, not only the loan amount. He spoke to me as it was definitely fraud every time we communicated and I had corrected him to not say that in front of XXXX and the teller because it was a legit loan.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (AL)

I filed bankruptcy on XX/XX/XXXX. Netcredit or NC Financial was included in the debtors listing and was notified by several methods by my lawyer. During the entire bankruptcy process netcredit continued to report the account as a charge-off and a collection. My bankruptcy was discharged on XX/XX/XXXX. I tried disputing the account multiple times through all my credit reports and they all returned that netcredit verified my account as accurate. This was a deliberate lie. I tried contacting netcredit myself on several occasions though email and they finally responded and said that collection efforts would continue. Once I received that email, I contacted my lawyer again. My lawyer reopened my case and filed a lawsuit against netcredit for violation of the Discharge injunction. Once this happened, my lawyer could not even get netcredit to respond to her. No one ever once contacted her back, nor did they show up to court on XX/XX/XXXX and Netcredit was found in contempt. For the sanction hearing, once again there was no contact from netcredit and no one showed up to court. Accordingly, the Court entered an Order : ( 1 ) Holding NetCredit in Contempt Pursuant to 11 U.S.C. 105 ( a ) ; and ( 2 ) Scheduling Hearing on Sanctions, ECF No. 24. entered on XX/XX/XXXX. As of today, this company is STILL continuing to report this account as an account in charge-off and collection status, multiple late payments, reporting as derogatory and stating that it was sold to another lender. There is no other lender that holds this account because they would be violating my bankruptcy rights by reporting. I have been fighting this company for a year now, post bankruptcy filing and they do not care at all about violating any laws. I am about to file another lawsuit with my lawyer and I want the entire account removed from all my credit reports as they have greatly harmed the fresh start I was promised. 
Not only do they not care about consumer credit reporting laws, they are predatory lenders that charge extremely high interest rates, exorbitant fees and keep adding them on despite closing the account and will not provide any documentation. I want it all removed from my credit reports and I never want to hear from them again.
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX APT XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX ( Original XXXX : XXXX XXXX XXXXI ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} ; XXXX  XXXX Balance : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$680.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX Balance : {$990.00} ; XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: FIRST NATIONAL BANK OF OMAHA (GA)

Got a call from First Bank Card 's ( 1st National Bank of Omaha ) fraud department asking if one of my employees cards was trying to be used ... XXXX I went online and notice that mine and my employees cards had been shut off - I called the regular number on the card XXXX ... he said someone tried to use my card on XXXX ( not my employees that the other person called about-but mine ). This card has not been in circulation or had a purchase for almost 2 years. I asked him how ... he said must have been someone when I was walking around blah blah.. The card has been locked up in the house for 2 years ... I said they must have been hacked ... he said no.. it must have been gotten another way. Then he pulls up my employees card and his also had an XXXX attempted purchase.. this card has been inactive and locked up for 3 years. 
It's obvious someone has hacked into 1st National Bank of Omaha ... no other way they could have gotten both of the credit cards info and tried charging at the exact same place at the exact same time. 
They are trying to cover it up and I have no idea how much of my information is out there now. This is a problem that they will not fess up to.
Consumer complaint received 2020-07-11
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: Experian Information Solutions Inc. (FL)

Experian Report Number : XXXX Date Generated : XX/XX/XXXX I am a victim of the XXXX XXXX  breach. This event has placed me and my family into a debilitating financial hardship. I am not a person who uses my credit much to pay for things, I work hard and pay cash and that is something that I believe in. 
However, I recently went to a XXXX dealership and they shotgunned my credit to several banks and ended up asking me for {$15000.00} down. This amount upfront is crazy to me as down payment so after further investigation, I found accounts that were not opened by me. Here are the accounts that followed : XXXX XXXX XXXX   Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$490.00} Collection Opened : XX/XX/XXXX Collection Opened : XX/XX/XXXX Original creditor : XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX  XXXX. 
{$280.00} Inquiries : XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX   Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX These issues are hindering my financial future. Please investigate and assist me in removing this negative information.
Consumer complaint received 2021-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

Attached you will find the original complaint against debt collector for violating my HIPPA rights. Company wrote a statement that they would remove accounts off my credit report. Company removed 10 of the accounts and left five more accounts my credit reports that I would like removed immediately based on the word in attached complain of company and for violating my HIPPA rights.
Consumer complaint received 2023-02-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NAVY FEDERAL CREDIT UNION (TX)

I refinanced my loan from XXXX XXXX XXXX to Navy Federal Credit Union XX/XX/2022. XXXX wouldn't accept or lost the 10-day payoff paper check Navy Federal mailed to me to mail to them 2 separate times. Could not make contact with XXXX whether by phone or through the customer service messages on the app. Had to get Navy Federal to make contact and we did a three way phone call and we're able to get the 10-day payoff complete for the loan transfer. But since the payoff took longer then 10 days, XXXX said I still owed another {$500.00} in late interest payments. I had to pay this before they would send the title to Navy Federal. I paid this 3 months ago, and Navy Federal said they haven't received it still and had warned me that if they didn't receive the title they were going to raise my interest. I did everything I could, and now Navy Federal raised my interest from 7 % to 16.85 %. I have attempted to make contact with XXXX, but they do not answer, call back or reply to my messages. And I do not believe Navy Federal should raise my interest because they can not get the title.
Consumer complaint received 2021-02-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

on XX/XX/21 I mailed a dispute letter regarding inaccurate/unknown items on my consumer report. To this day I have not received a response. i feel my dispute has been ignored. Section 611 ( a ) plainly states that a fairly to investigate these items within 30 days gives a reason to immediately remove those items from my report. i demand these accounts be removed immediately or I will file for litigation due to the stress caused by inaccurate reporting. My info was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-15
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 — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/2022 I contacted NAVY FEDERAL CREDIT UNION I requested that Navy federal credit union furnish me with a copy of a 1099-C for each of the following accounts that they have charged off. That is reporting on my credit report. 
ACCOUNT NO : XXXX, ACCOUNT NO : XXXX ACCOUNT NO : XXXX, and also ACCOUNT NO : XXXX. Pursuant to the Department of the Treasury Internal Revenue service instructions for forms 1099-A and 1099-C Acquisition or Abandonment of secured property and cancellation of debt. Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. 
As of todays date I received no reply from NAVY FEDERAL, IT HAS BEEN WELL OVER 45 DAYS. I am requesting that these accounts be deleted off my credit report because they have been charged off and Pursuant to 2022 publication from the Federal Government once a debt is charged off it becomes ordinary income, and because it is ordinary income it is not reported on the consumer report. I am requesting that Navy federal delete the accounts in question Per Federal law enclosed are the following documents proving that a DISPUTE WAS FILED WITH Navy Federal and sent certified mail and certified return receipt
Consumer complaint received 2020-07-11
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (VA)

Im XXXX XXXX XXXX XXXX. I went TDY on training out of the country on XX/XX/2020. On XX/XX/2020 a payment didnt go through and after contacting my mom as a emergency contact she paid the payment on my behalf. Once I return in XXXX, Ive noticed a 30 day late payment charge on my credit report. Ive been a customer with no missed payments for over 4 years. Ive called and send them documentation showing my orders in XXXX and XXXX and early XXXX and I was told it cant be removed.
Consumer complaint received 2021-03-17
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. (FL)

This is ridiculous! I can not move on in my life and apply any financial planning!! Could you please help me and remove fraud account from my credit report? THIS ACOUNT IS ABSLUTELY NOT MINE! It just appeared this month from nowhere ... .Its a fraud, identity theft I have no idea hat is that but I do not want to see it in my credit report! REMOVE IT ASAP!
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (GA)

My unemployment is deposited on a government issued MasterCard. My finance company doesnt accept payment from cards. I searched and found how to transfer money to my bank account. It worked the first time, when tried second time option wasnt there. Searched, read through their fine print, found out how to do it by phone. Third time option is no longer there. They have a 800 number that doesnt give you the option to speak with a person. There paperwork gives you a number to resolve with the Consumer Fraud Protection Bureaus that is fraudulent ( 1-855-411-2372 ), when you call and sit through fifteen minutes of commercials they give you some 411 service. I have money and cant pay my car note, when I try using an atm, they will only allow me to withdraw XXXX and then charge me XXXX dollars, and thats not enough to pay car note. Id like assistance with getting these people to unhand my money. There paperwork says they can charge me for not using my money, then they say I cant get a jury trial, I never agreed to that.
Consumer complaint received 2023-02-13
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: EQUIFAX, INC. (TX)

I am having a difficult time getting XXXX, XXXX, and Equifax to remove an account that they are inaccurately reporting. I have sent many dispute letters to the point of no avail. They are reporting that the account XXXX XXXXXXXX XXXX  XXXX was late 2 times and eventually charged off. This is not true. During 2020, I was on deferment due to covid so there should be no late payments according to the FCRA. I am asking that the credit reporting agencies remove the account from my credit report or update the account to paid as agreed never late, removing all late payments for their negligence. I am aware that I can be compensated up to {$1000.00} per violation, but at this time I am only interested in the deletion of the inaccurate information to reflect my true credit profile as this is causing me extreme distress. I do look forward to a response within 15 days.
Consumer complaint received 2021-02-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (SC)

My debt with midland financial had already been removed from my credit report after I had disputed the debt with XXXX. Therefore they can not threaten to sue me as the debt had been discharged due to " The balance and/or past due amount being incorrect ''. This judgement was completed on XX/XX/2020 and was subsequently deleted from my credit history. 
They call me multiple times a day, have called family members of mine, and have threated to sue me if I do not pay, even though I no longer owe money to this company. If they do not stop I will take legal action of my own. They have been sued many times and threaten many other people and it is time this stops now.