davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX at XXXX am, I received a text message from what I thought was Chase Bank asking about a purchase at XXXX for {$440.00}. I pressed " no '' and received a call from a woman claiming to be from Chase, asking about the same purchase.

To continue working with the supposed Chase representative, I was sent a link to login and verify my account. I assume this is how the fraudster had access to make transfers and see my transaction data. 

I told the woman I did not make the purchase and she sent me a code to authenticate the call. The call was dropped due to poor cell service. 

I agreed with the woman to continue the call in a half hour, after I was in a better area for cell service. 

After dropping my son off at school, I received another call from the woman, who began to review my account transactions with me. We noticed an unauthorized {$100000.00} transfer from my savings to my checking account. 

The woman asked me to validate my account by texting them a number. I assume this was the wire transfer verification number. 

The woman reassured me that she was working to stop the transfer. We received a text from Chase saying the money was being transferred back to my savings account. 

The woman instructed me and my wife to go to our bank. We arrived at the bank ( which had not yet opened ) and were still on the phone with the woman. 

When the bank opened, my wife and I spoke with a bank manager, XXXX XXXX, and handed her our phone so she could verify the identity of the woman on the call. XXXX asked the woman for additional verification numbers, but the woman refused to provide them. XXXX determined that the call was not from Chase and hung up. 

At XXXX XXXX, my wife and I were at Chase bank complaining about the fraud. The wire had not yet gone through. We filed a fraud claim with Chase and were told that our accounts had been frozen. 

At XXXX XXXX, the wire went through, despite XXXX having put a hold on our online account. 

My wife and I went to XXXX XXXX XXXX and tried to put a hold on the fraudulent wire, but were told to file a fraud claim with Chase. We called XXXX XXXX XXXX XXXX XXXX department and were told they were able to put a hold on the wire. XXXX XXXX XXXX told us that the money was frozen and that we needed to work with Chase 's fraud department to get it back. 

We then provided XXXX with the XXXX XXXX XXXX email for fraud communication to ensure that the funds were not released. 

By Monday morning, however, we went into Chase and found that the funds were released. 

We then filed a report with the police.
Consumer complaint received 2019-12-24
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: Experian Information Solutions Inc. (TX)

I submitted a dispute via certified mail ( XX/XX/2019 ) to the 3 credit bureaus to remove my non account holding dealership hard inquiries under the 1681 Fair Credit Reporting Act. XXXX  removed them no problem. However, I called XXXX  and Experian ( XX/XX/2019 ) and was told that there was nothing i could do to remove them. Even after i explained that i didnt give authorization for the dealerships to run my XXXX  credit 32 times and my Experian credit 52 times. Its affecting my score negatively AND that they didnt verify any of them. I contacted each dealership and finance company and none of them have any of my information. Soo theyre violationg the 1681 Fair Credit Reporting Act as well as falsely validating information on my credit report.
Consumer complaint received 2023-05-11
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 — Investigation took more than 30 days
Company: CAINE & WEINER COMPANY, INC. (MI)

The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/23 and my second letter to XX/XX/23.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (GA)

I received my Social Security payments through a Direct Express card beginning with XXXX. 
My XXXX  had a XXXX and my family and I were having to travel back and forth from XXXX ( XXXX ) and XXXX, GA. 
Total by XXXX charged my account in XXXX XXXX times {$110.00} for XXXX XXXX phone. I couldn't get XXXX to correct the charges, so I tried through Direct Express. 
My XXXX XXXX  later in XXXX and I need the money to make payments for the XXXX, etc. 

My card was " Hot-Carded '' on XX/XX/XXXX and a new card allegedly mail out to me. 
As of XX/XX/XXXX - STILL no card and I can't get anyone on the phone to discuss it, nor is there a link on the website to assist. 
Please, please help!!
Consumer complaint received 2020-06-10
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. (LA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, CHILD SUPP, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : 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 I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX, Account # : XXXX XXXX XXXX BANK XXXX Account # : XXXX XXXX XXXX  XXXX, Account # : XXXX 15 USC 1681 section 602 A. states I have a right to privacy.

15 USC 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not an account without my written instructions.

15 USC 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 7 years.

15 USC 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 2023-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (FL)

I do not have a contract with LVNV Funding LLC the debt collector does not have my express written consent or any permission to have my information, it is Identity theft LVNV Funding LLC does not have. my permission to contact me 18 USC 1028a states Knowing use without Lawful authority of Information of another person is a violation, copyright violation see attached, FDCPA state Federal Law 15 USC 1692c ( c ) states communication no consent was given to collect at all it is a violation of my right to privacy unauthorized use of my credit report card 15 USC 1602 ( p ) I did not I do not consent to this debt collection company having or using my Information without a permissible purpose 15 USC 1681b to collect on a debt see XXXX XXXX XXXX XXXX XXXX or substantiation of the alleged Debt the debt is alleged I have not been supplied proof of the debt under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo, 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

i am challenging the accuracy and integrity of the accounts as well
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On or about. XX/XX/2020 I was looking at my XXXX  account and saw my husbands Walmart/Capital one card on my credit report. My husband and I spoke before about why my name was a authorized user on his card when I had my own Walmart/CapitalOne card with a higher limit of XXXX and his was only XXXX. I called XXXX  and tried to explain it to the while my husband was sitting there with me and I was advised to file a dispute that he said he could do for me I explained the situation and said my husband didnt want my name on his card my husband gave me the last 4 of his credit card and I told the man my last 4 Numbers I told him the XXXX # # was my card that card is fine my husband wants my name off his and gave him the last 4 of XXXX card thats all I wanted to do but I checked dispute report about XX/XX/2020 and saw it was deleted. I called Walmart/Capital one and asked about my card they sent me to fraud department after identifying who I was they said my card was closed due to fraud. I explained that it was not fraud and that I have payments that need to be made and I was told I couldnt make a payment on it either I told them Im trying to get my credit together and I dont want to miss any payments that can mess with my credit. I was told I can write a letter explaining what happened send 2 forms of ids and have it notarized. I had already applied for a social security card so I waited a few weeks it didnt come so I called Capital One again was again sent to fraud department and tried to explain my situation again and was hung up on at least 3 times finally talked to man at Capital one explained my situation again I was put on hold the man returned and said he would transfer me to another department I asked for the direct number so I could call he said wasnt one. I told him I was told by a lady in fraud department to fax info with 2 forms of ids and could I use my XXXX card he said no social security card and picture Id but I cant fax it I can only mail i t to Capital one XXXX XXXX XXXX XXXX XXXX Utah XXXX .i have just received my social security card and will try to get a letter notarized but my bank only has drive up  service but Im trying to get some answers here.
Consumer complaint received 2020-01-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (CA)

This summer I was able to receive a forbearance due to hardship with XXXX, however, Nelnet was unreachable. I submitted the application through the Federal website and when I attempted to call, confirm, and proceed with the action with Nelnet as I had done easily with my other service provider, I was unable to reach a representative by phone. I called multiple times and waited 30+ minutes each time before hanging up. I sent an email and it took months for them to reply, by then my account was past due and my credit score had been reduced. This is unacceptable!  Months later when my XXXX forbearance has ended, I made another attempt to bring my account current with Nelnet and was able to speak with someone by phone with minimal wait time. Why ignore my calls until my account is way past due? I had hoped to have the forbearance back dated and the negative reporting to the credit agencies eliminated, they refused and countered by suggesting that I had never qualified for a hardship in the first place. I wonder how is it possible to qualify with one loan provider and not another? I also wonder how is it acceptable for a company to ignore customer calls until their account is past due? I had no issues with Navient, and nothing but roadblocks with Nelnet. I believe that Nelnet is negligent and their practices need to be investigated.
Consumer complaint received 2019-11-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: World Omni Financial Corp. (GA)

A dispute was filed asking for the original creditor name and address, a letter was sent saying they received the complaint, the next day the car was stolen in violation of the cease to collection of the debt until validation which never occurred. I am a consumer/ natural person / human and the ultra vires act prevents companies from acting natural person as an artificial entity. Violation of 15 usc 1692, the GAAP Act, Truth in lending, Fair debt Collection Practices Act, and National Currency Act.
Consumer complaint received 2020-01-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (MD)

I receive upwards of AT LEAST 10-15 phone calls/voicemails every single day from Sallie Mae, in regards to my student loan bills. Due to the high volume of my medical bills that I am juggling as well, occasionally my payments to Sallie Mae are a TAD late ( tad as in a couple days to a week ), but they are always paid. I am tired of the round-the-clock harassment that I receive from Sallie Mae. My health concerns/disability are my top priority, which unfortunately is not necessarily affordable in America, and the last thing I need is constant XXXX phone calls reminding me to pay what I already am well aware of. Even if I DIDNT have a debilitating disability, the amount of times that good ol Miss Sallie Mae calls would STILL be deemed unacceptable, excessive, and extremely unnecessary. My own grandmother cant even leave me loving voicemails sometimes because XXXX keeps blowing up my voicemail box, and its extremely tedious to repetitively delete all of XXXX hundreds upon hundreds of voicemails that shes left for me. I have wasted MINUTES, I repeat MINUTES, of my life deleting voicemails from Sallie Mae. Wasted seconds I could maybe deal with, but minutes? That just crosses the line. I feel as if I am being stalked and violated by a crazy ex gf that I never had, and quite frankly, I am sick of it. XXXX XXXX. RANT OVER, and thank you for coming to my XXXX Talk.
Consumer complaint received 2020-01-03
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: HSBC NORTH AMERICA HOLDINGS INC. (ID)

I got a robo call from an Idaho Number suggesting legal action on XXXX sent it to voice mail. I called the number they provided and they claimed a debt from HSBC for {$350.00}. After fight over the phone Im requesting validation of debt and being hung up on multiple times I finally got an email sent with a debt claiming HSBC for {$570.00} however no dates of the debt they would only provide verbal dates of XXXX through XXXX of XXXXThe email also showed an address on file with them that I moved from in XXXX of XXXX. I asked over the phone for validation of debt and provided my current address on XX/XX/XXXX. They said they are not responsible for burden of proof. I called again on XX/XX/XXXX asking for what address I write to gain validation of debt and they said the address in the email. I asked if it was the address of their business I would write to or who owned the debt. I was told who owned the debt. I asked if that was them they said yes. So I asked if they own the debt then they are responsible with burden of proof for validation of debt. They said they are not and will provide that through judge on my court date. They still had my address from 10 years ago on file and had to dig through the notes to see the correct address and county. Multiple times XXXX would hang up on me when I would get confrontational in my questions. Her supervisor Mrs. XXXX wouldnt provide any info and hung up on me. 

The name of the company is XXXX XXXX XXXX with a mailing address of a XXXX Store XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2022-12-26
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. (TX)

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 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 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NY)

I closed this account in XX/XX/XXXX, in XX/XX/XXXX I received an alert from XXXX  that i missed a payment on this account. so i called the bank, and was told it was a late payment for the annual fee for XX/XX/XXXX. 
I explained that I closed the account in XXXX. I was told no problem they would reverse the charges and clear my records. 
now in XXXX my credit report dropped XXXX points. I called the bank and was told i was missing payments. I went through the whole story and was assured that it would be cleared and that they would clear it off my credit report. 

that has not happened They only thing they did was mark the account paid. they did not delete the late marks.
Consumer complaint received 2020-01-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP (WI)

Honda Finance is trying to collect a " turn in fee '' or a " Early termination fee '' of {$350.00} from me. No where in the contract does it state I will be charged a fee for trading in a lease. On their website which I have screen shots of it say the opposite of what they are telling me over the phone. They have not updated the amount they have collected from the dealership that I traded in the XXXX XXXX into. If I go to my online account they show me owing 2 payments. I have been lied to several times by reps and managers in attempt to collect this money which I do not owe them. When I XXXX  for a XXXX XXXX, I have called in several times and got the {$350.00} disposition fee waved when someone turned in a lease with out buying a new Honda or leasing one. They have told me that they are unable and it would be illegal to do so.
Consumer complaint received 2020-01-03
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. (MD)

Experian and XXXX are reporting an erroneous debt on my credit file from XXXX. XXXX paid premiums for a policy that I was not eligible for. I have provided documentation to prove that I was not eligible and that I waived the benefit. In order to become eligible for the policy I have to write a letter asking for reinstatement which the company has not provided. I have provided documentation of me waiving the benefit and documentation stating that I was not eligible but XXXX continues to report every month. My check is currently being garnished but my score is not changing. Also, Experian and XXXX is reporting incorrect debt to income ratio. Per the XXXX ' website I didn't meet the criteria for eligibility for the benefit of SGLI during the period that the charges were incurred.
Consumer complaint received 2020-01-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Direct Recovery Services, LLC (CA)

it's the same scammers in Georgia Direct Recover Services. There are plenty of complaints online about them and a class action suit was filed in XX/XX/2017 I owe nothing to the company the claim to represent. When I called the number and provided a reference number they left on my voicemail, they became threatening and verbally abusive, just like before.
Consumer complaint received 2022-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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 2020-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Creditors Specialty Service Inc (CA)

On XX/XX/XXXX Received letter of collections from XXXX regarding Metris Account XXXX ( last four digits ). Stating XXXX XXXX is attempting to collect a debt {$4400.00}. Not recognizing this debt, I called for further information and advised I do NOT recognize this debt. The representative stated she would request background information which should take 45-days. 

After phone call, I recalled a previous law suit from XXXX XXXX. I looked up my old paperwork and found the previously settled account with XXXX XXXX was also for the amount of {$4400.00}. This debt was settled and registered with XXXX XXXX XXXX XXXX, posted XX/XX/XXXX Case # XXXX