davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (LA)

I attempted to cash a check on XX/XX/year> at Chase bank. I have an account at Chase bank and the check was from a Chase account holder. The check was not NSF and no problems with the account holder. One of the tellers computers froze up during my transaction and they sent me to the next teller. The new teller told me I could not cash the check, but I could deposit it. I told them that was unacceptable and asked for the manager/ supervisor. No one could help according to the teller and depositing was my only option. I left with the check.which is possibly voided due to their attempts to cash. I will return to the branch tomorrow morning and attempt to resolve..they could not explain to me why this was Chases policy. Only that the computer would not let me proceed.
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I've started receiving hang up calls from Comenity Bank/XXXX XXXX on my cell phone and today ( XX/XX/21 ) they've left messages on my brother 's phone giving a misleading bank name. I called the message phone number left on his phone and found out it wasn't " XXXX XXXX '' but Comenity Bank/XXXXXXXX XXXX. The collection agent " XXXX '' was very rude, wouldn't let me talk, kept contradicting me as to whether I made payments ( I have ) and refused several requests for the address for their Customer Service Department. Finally he gave it to me and then started another rant non-stop and I hung up. I'm sending them a cease and desist letter per the Fair Credit and Collections act but I don't like the threats he was making so I want to register a complaint. I had an agreement to make payments monthly at {$20.00} a month, actually have been making them at {$30.00} a month and they state that what I pay doesn't even touch the principle of my account! I want the calls and rude threats to stop.
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARM Professional Services LLC (IL)

I HAVE OVER 50 ITEMS ( VIDEOS, Calls, emails, and pictures ) Of proof PLEASE DO ME THE FAVOR AND TAKE ME TO COURT PLEASE!!!!!

A complaint with the XXXX  is filled, numerous pictures and emails ( some attached ) proving the amount is completely wrong/ the balance is XXXX. I waited over months for them to fix the itemized document and they ignored me then sent the account to collections I I okayed them taking me to court ( bluffing to scare me into paying ) they breached the contract in numerous ways and know it that's why they quickly handed the debit off and literally refuse to speak to me now. No calls or emails received and when I do reach out I am hung up on as recently as XX/XX/2021. ( Proof in emails attached as well ) 1.the pipes where ruined while I was in the building and even after the fact ( sign telling tenants don't run the water until further notice on the door ) 2.I paid my last, first month 's and deposit and got non of it back 3. Proof in emails that I gave over 3 months notice!!! And even asked to stay of they would just fix the issue that breached our contract and they didn't 4.Pictures attached of how clean and fixed up I left the apparent and videos were emailed and saved. Showing nothing needed repair 5.I advised and they knew as seen in the text between me and the leaser that I was gone hints the electricity would be off and they said I " turned the switch in the basement off '' causing ( already damaged pipes ) more damage which is a LIE.they just wanted a discount for their repairs Everything about this is a scam look at the XXXX reviews from real people and not bots THEY ARE MONEY HUNGRY XXXX  DISCRIMINATING unprofessional people. That don't even call you or contact you back
Consumer complaint received 2021-07-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

Re : REQUEST TO REMOVE AN INITIAL FRAUD ALERT AND REMOVE AN EXTENDED FRAUD ALERT To Whom It May Concern, Ive sent this complaint to your credit reporting company in request to REMOVE AN INITIAL FRAUD ALERT AND REMOVE AN EXTENDED FRAUD ALERT appearing on my credit report, under the Fair Credit Report Act you are required to comply with my request, I know that your company will need some sort of verification to prove my identity. My documentation is clearly enclosed and attached. Thank you!

After these FRAUD ALERTS has been REMOVED, please send me written confirmation to the address as it appears on Government Issued ID and bank statement. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX ENCLOSED ARE THE FOLLOWING THREE DOCUMENTS THAT VERIFY MY IDENTITY GOVERNMENT ISSUED ID/SOCIAL SECURITY CARD/BANK STATEMENT
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I already had a complaint filed with you against them they contacted me and it seemed as if they had corrected the situation however upon the recent check of my credit report they have not- I have unemployment insurance on this one I notified the company of my financial problems prior to the loss of my income on XX/XX/XXXX and then at that same time provided them with the correct documentation for which to process my unemployment insurance claim. I am still unemployed and the governors office is working with me to file a claim for XXXX which they have already submitted for me.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I already had a complaint filed with you against them they contacted me and it seemed as if they had corrected the situation however upon the recent check of my credit report they have not- I have unemployment insurance on this one I notified the company of my financial problems prior to the loss of my income on XX/XX/XXXX and then at that same time provided them with the correct documentation for which to process my unemployment insurance claim. I am still unemployed and the governors office is working with me to file a claim for XXXX which they have already submitted for me.
Consumer complaint received 2021-07-26
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. (AL)

I am victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.
Consumer complaint received 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

When searching for a refinance we encountered XXXX XXXX of Rocket Mortgage, a branch of Quicken Loans I believe. We were promised quick efficient service because we had XXXX accounts, and THAT WE WOULD NOT NEED A HOME APPRAISAL. 

Over a period of many months they asked for document after document. Then they claimed that so much time had gone by that we had to redo some of the documents. 

And then, when we sat down to sign, the process was halted because of a spelling error. 
Then, they said they couldn't continue until they had another closing sum from our bank. 

Now they claimed that the original interest rate offer had expired. 

NOW THEY CLAIM SO MUCH TIME HAS PASSED THAT WE NOW NEED AN APPRAISAL OF OUR HOME 'S VALUE! This does seem like bait and switch? 

In any case we have heard nothing further from them.
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

We never received our XXXX credit card statement from Capitol One due to the dismantling of the US Postal Service initiated by the Trump Administration. Capitol One is a major contributor to the XXXX XXXX in general and the Trump administration in particular, so they share in the responsibility for what is happening at the USPS. When we were able to view the statement a {$25.00} late fee had been charged as well as a {$13.00} interest fee. We contacted Capitol One and made immediate arrangements to pay after having the fees were waived by a bank associate. 

Today I checked my Capitol One statement online because once again the statement has not arrived. Once again the bank has assessed a {$4.00} interest fee which they said is due to last months late payment. I called Capitol One and this time they have refused to waive the fee. They also refused to provide contact information for higher level management to appeal to. I have no recourse but to file a complaint with the CFPB. 

I have an excellent credit rating and I refuse to submit to extortion. I am appealing for your help with this because not receiving my statement was totally out of my control.
Consumer complaint received 2021-07-26
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: JPMORGAN CHASE & CO. (ID)

I have been receiving calls from Mr. XXXX who will not give his company name but states he is collecting a credit card debt that I owe Providian now Chase Bank for XXXX and that they have been trying to serve me papers but have been unable to reach me. Mr. XXXX states I was sent a letter on XX/XX/2021 explaining I am being sue and I have not responded He did repeat my actual social security number, my date of birth and place of employment. He stated that they were going to show up at my job and serve me papers and have my wages garnished, and that will ruin my credit. Problem is I have never had a card with Providian or Chase Bank I explained that to him and he said it was an old debt and since Providian was bought out by chase bank they have a right to collect this debt. I ask to be mailed validation that I owe this debt and he said they mailed it in XX/XX/2021 and that they are only required to mail it one time so if I lost it that is my problem. I have never received anything from anyone regarding being sued for a debt. I have a credit score as of today of XXXX and there is nothing on my credit report as of today. they have already called me back 5 times in the last few days. I hang up but am concerned that they have my social security number, date of birth and place of employment. The number Mr. XXXX calls from is XXXX and they say my file number is XXXX with so many scams out there I thought this needed to be reported. Per Chase Bank they have no record of this.
Consumer complaint received 2021-07-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (NJ)

Obtained 1 year interest free loan. The interest free period allegedly expired on XX/XX/XXXX the last day of my billing cycle ( XX/XX/XXXX through XXXX ) and my payment is not due until XX/XX/XXXX. I called Wells Fargo in an effort to remedy the situation, ask for the interest to be removed, and advised that I could pay the remaining balance due on the loan so that I could close out the account. I was advised since the interest free loan cycle allegedly expired on XX/XX/XXXX ( the last day of my billing cycle ) all they could do was offer a reduction in the interest amount by about {$200.00} - whereas the full amount of interested charged was {$890.00}.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Today, XX/XX/2021 I called the credit card issuing company ; XXXX XXXX XXXX  which is an actual credit card. 

The reason for my call was to request a letter stating that the credit bureaus can delete XXXX XXXX from my credit reports since I had paid off that debt. 

I was told by to request this letter by a person named XXXX in the dispute department at Experian credit bureau and he told me he needed that letter for them to delete the negative account from my credit report since I had paid the balance and no longer owe them any money. 

When I contacted XXXX XXXX the lady told me they do not do letters like that and would not provide that information for me to give to the three major credit bureaus. 

I paid this on XX/XX/XXXX. 2021 and I do have a letter confirming it has been paid and I will upload it now All I want is to be able to have this negative debit deleted from my credit report since I have paid it off and no longer owe anyone so I can get a mortgage to buy a house but the mortgage company wants that off the report to be able to proceed with my first home purchase.
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

after a dispute submitted with Bank of America where I received the nevada unemployment benefits they in their resolution decide to charge my account back for almost XXXX they allege that there was not fraud that left my account negative but the rest of the money from my years worked in unemployment they never provide me with the money nevada ui said they sent it but when I call boa they won't unlocked my account because is negative. its been a horror movie leaving me with no money after years and years of work done Bank of America hasn't release almost XXXX $ from nevada ui. I HOPE SOMEBODY CAN HELP ME WITH THIS MATTER THANKS, XXXX
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

I am not able to access my credit files. The three bureaus have told me that my information does not match the information on file. I can not get anyone on the phone, and when I call, none of the prompts are what I need to access my files. When I try to make accounts on the websites, I am not able to do that either.
Consumer complaint received 2023-01-23
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. (NJ)

XXXX is reporting a debt on my account that is inaccurate. It also has incorrect information reporting. The amount is {$700.00}. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Account # XXXX
Consumer complaint received 2021-12-31
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: Social Finance, Inc. (NY)

On XX/XX/2021 I logged into my sofi account and my balance was XXXX XXXX the next day I logged onto my account my balance was XXXX and there is absolutely no trace of a posted payment on to my card yet I am being charged XXXX $ from XXXX yet I can not see this charge in my transaction history and they claim it is still pending. If it was a pending charge it would NOT effect my current balance until it was posted. This credit card company SOFI is refusing to help me and remove the transaction, and also refusing to provide a proof of purchase or anything of that sort to help me. They change their story every 2 minutes and treat their customers like trash. One employee XXXX XXXX, XXXX XXXX XXXX went as far as personally insulting me. " You're a XXXX '' she said, on a recorded line. I then talked to XXXX ( XXXX ) and she did absolutely nothing but waste my time and say that she cant help me. There is no proof of purchase, I can not see the purchase and they will not send me any proof. They are refusing to remove the charge and will not work with me. This will ruin my credit score because of the high utilization on the card, but I believe it was a sofi member who spent my money and that is why they will not give me proof of purchase and they keep running me around in circles. This company is complete fraud and they have stolen from me. Please Avoid SOFI at all costs, it is a terrible bank.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Allied Collection Services, Inc. (Nevada) (CA)

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. 
XXXX XXXX XXXX account XXXX Open XXXX closed XXXX Balance XXXX ALLIED COLLECTION SVCS Original creditor Balance Balance updated XXXX XXXX XXXX {$11000.00} XX/XX/XXXX Have duplicate accounts on my credit report, I have no knowledge of this account and car collection bureau of a has violated my rights. 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 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (FL)

this is what is reporting on my credit report company has not sent no paper work regarding this information or did they show me a contract of the information. i try disputing it with the credit bureau regarding this and the company says its verified. please send me a copy of the debt that it belongs to me. 

I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX  Balance details 0 % paid off Balance {$470.00} Balance updated XXXX XXXX, XXXX  Original balance {$470.00} Account info Account number XXXX Date opened XX/XX/2024 Account type Collection Status Collection account. {$470.00} past due as of XXXX XXXX. 
Status updated XX/XX/2024 Payment summary XXXX  XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments- Your statement - Contact info Name I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2021-12-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (WA)

GM Financial declined payment assistance during Covid-19 pandemic. Predicated any assistance on the payment of a predatory {$89.00} fee. This has caused 4 late payments to show up on my account. They also charged fees for payment assistance during other federal natural disasters. Additionally, what makes matters more frustrating, is that their website was down for payments on multiple occasions. This caused a 30-day late to become a 60-day late for XX/XX/2020. I believe this was done intentionally to cause additional late fees.
Consumer complaint received 2021-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc. (NJ)

AMERICAN COLLECTIONS E ; LOCATED AT:XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$560.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.