davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On Monday XX/XX/2020 I received a text appearing to be from chase bank, I clicked a link and it appeared to be the chase bank homescreen. I signed into my account but it appeared not the same so I exited out of the web browser and called my bank. They informed me that they didn't send me a text and to ignore further emails and text messages. 

On Wednesday XX/XX/2020 my cell phone completely loss all service, I wasn't able to text, browse the web or making calls. I immediately went toXX/XX/XXXXXX/XX/XXXX on XXXX XXXX, they informed me that my sim card was not matching my XXXX any longer so they changed my sim and my service was working again. No other explanation was given and I went to XXXX XXXXXX/XX/XXXX. I purchased shoes at the XXXX  store with my debt card with no problem. 

On Thursday XX/XX/2020 my cell phone loss service again I noticed around XXXX. I felt something was wrong so signed into my bank account and noticed money was being filtered from my savings account to my two checking accounts. The first amount was {$2000.00} taken on the XXXX around the time my phone wasn't working and then the second {$2000.00} was taken right as I was online looking, both amounts were used by someone in XXXX, Michigan based on location that was on my Chase statement. I immediately used a friend phone to call Chase bank. They informed me to lock my debt card and change passwords and they would flag my account. The pending amounts could not be stopped. I also called XXXX on my friends phone and they had to re-active my sim card over the phone and later realized during the times my phone wasn't working someone managed to access my account in XXXX and were posing as me to talk to Chase Bank. I never authorized the wire transfer. This evidence shows on my XX/XX/XXXX records. I can not be at two places at once. 

On XX/XX/2020 I filed a fraud claim with Chase bank over the phone and went inside a branch to change account numbers and debt card. I believe my SSN was obtained and is being falsely used. 
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Consumer complaint received 2020-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Social Finance, Inc. (GA)

Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT*** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and wellbeing by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT*** )
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The following account was created without my knowledge, and I have no contractual agreement with the creditor : XXXX XXXX XXXX XXXX XXXX {$1000.00} Charged Off XXXX XXXX XXXX XXXX XXXX, IA XXXX. I have spoken to XXXX XXXX XXXX XXXX, and explained to them that I discovered an erroneous account in my name on my credit report. They informed me that the onus was on me to prove that I did not create this debt myself. I am a XXXX individual, and I do not have the wherewithal to go head to head with a bank to prove my innocence. The fact is, that they can not produce a contract with my wet ink signature on it. They have done damage to my commercial person, preventing me from participating in commerce at the level and status to which I am entitled.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was shocked to find inaccurate accounts on my credit report this morning, and I have no clue how they got there. I always check my report regularly, but this time there were random discrepancies. I even tried refreshing the page thinking it was just a glitch, but nothing changed. The wrong accounts stayed there. Given this situation, I need the documents I've sent to be reviewed carefully so I can stop worrying about this once and for all.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (FL)

XX/XX/XXXX to XX/XX/XXXX PNC Bank XXXX XXXX XXXX XX/XX/XXXX - Would not freeze account or even speak to me until they receive Probate documents. Documents have been sent 4 times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with confirmation they received, then again to XXXX on XX/XX/XXXX to her email. XXXX ID, XXXX XXXX, Probate Documents, DL with account numbers. They confirmed they moved Mortgage to XXXX account but I have not received documentation or access. I still don't have access to checking, money market accounts and bills are 2 months overdue. Water was shut off, I had to pay out of my own pocket. Electric was going to be shut off XX/XX/XXXX, we paid that out of our own pocket. 
PNC Bank XXXX XXXX - NEVER ANSWER THE PHONE OR DISCONNECT YOU WHEN THEY ANSWER I live in XXXX, I am the executrix of the Estate and have all applicable documents. This bank is dragging their feet for a pittance of money. They do not return phone calls or emails. It appears they are anticipating us to just fold and let them have what small amount there is. This estate is one of our 22 years plus XXXX XXXX 

Thank you, XXXX XXXX
Consumer complaint received 2020-03-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Maximum Title Loans, LLC (AZ)

I have a title loan with maximum title loan and I borrowed {$5000.00}. I have since made approx 2500 in payments and they have not deducted any of these from the balance. They also refuse to give me a break down of what Im paying, what the penalty fees are or a breakdown of my total amount owed. They wont provide me with any documentation from my loan and have never given me a copy of the signed contract. Theyve been charging me {$100.00} or more per day and I have no reason to believe I am in default or responsible for any late penalties at all.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CHARLES SCHWAB CORPORATION, THE (CA)

It's been several weeks since bank suspended my XXXX profile. I contacted many times to get it resolved. But they haven't done anything. They refuse to get a complaints registered because they say they have nothing to do because XXXX XXXX needs to do it. What am I supposed to do
Consumer complaint received 2020-01-14
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITY NATIONAL BANK (OH)

City National Bank did not provide the CRA Public File in a timely manner ( 5-calendar days ) as per Regulation BB 228.43 ( c ) ( ii ). This occurred between XXXX XXXX and again XX/XX/XXXX. 

Additionally, substantial parts of my complaint were not placed in the Public File under Comments as per my request and per Regulation BB 228 43 ( a ) ( 1 ). I learned this when I again requested the CRA Public File XX/XX/XXXX. 

The CRA Officer XXXX XXXX merely referred me to the Public Evaluations online and said " pretty much everything you want is in there. '' When I continued to plead for the entire Public File, he said I had to come to the Headquarters Branch, that he could not produce the files electronically. I explained that the spirit and intent of CRA was to make information available to all consumers by reasonable accommodation and explained a scenario that if I was low-income, without a car, and XXXX and couldn't ride the bus, this should not preclude me from exercising my consumer rights. This conversation string of emails and my scenario were omitted from the Public File and I believe this should be visible for all to see in the Comment File.

I urge you to ensure proper violations of law are cited against City National Bank and appropriate ramifications enacted so others do not have to ensure this inconvenience.
Consumer complaint received 2020-12-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (TX)

{$5000.00} stolen from money market account in branch in XXXX. XXXX Pd dosnt have time for this. BMO needs to make exception, and let me sign affidavit. I know this is just to make sure Ill go to jail if lying. 


Complained before
Consumer complaint received 2020-12-26
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: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I sent XX/XX/XXXX a letter about items on my credit report that doesnt belong to me, they are still reporting inaccurate. I am including a copy from XX/XX/XXXX that is reporting accurately from XX/XX/2020 I filed a previous complaint against Experian, complaint number XXXX please update that case with the information provided by XX/XX/XXXX
Consumer complaint received 2020-03-04
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: ENCORE CAPITAL GROUP INC. (SC)

On XX/XX/2020 I sent a 3rd party debt validation letter to Midland Credit Management requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt has a fraudulent charge amount associated with the account. By law pursuant to 15 U.S.C section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Midland Credit Management has failed to validate this alleged debt in the allotted ( 30 ) day time frame pursuant to 15 U.S.C 1681 ( g ) ( d ). They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C section 1681b.
Consumer complaint received 2020-12-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXX XXXX XXXX XXXX XXXX, TX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX FTC violations or FCRA XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY wrong address please remove it or correct it not by adding the last four of my zip thank you
Consumer complaint received 2020-12-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXX XXXX XXXX XXXX XXXX, TX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX FTC violations or FCRA XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY wrong address please remove it or correct it not by adding the last four of my zip thank you
Consumer complaint received 2020-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I purchased a purse on line from XX/XX/XXXX. The date was around the last week of XXXX. I used my B of A card ( debit card ) for this transaction. 
The transaction showed on my statement as a pending charge ( 3 ) times when I only purchased and received ONE purse. 

I called B of A and was told ( 1 ) one charge was coming off the other would be investigated. They asked for documentation and I provided the documentation TWICE. They only respond via regular mail. The letter does not include a phone number nor email for the B of A dept handling the dispute or investigation. There is a fax number only. I am XXXX yrs old. I do not have access to a fax. I have had to travel out of my home TWICE to the post office and ONCE to my local B of A branch. During COVID this is a risk for me as I suffer from XXXX. 

This PENDING charge on my debit card reduces my available funds and I am on a fixed income. 

B of A has responded and issued a " temporary '' release of the funds and has requested documentation AGAIN. I don't know what else they need. I have documentation from XXXX that they only billed me ONCE. 

I can not afford to keep going in circles with B of A. The department writing the letter hides behind the letter with no phone, extension and or email. There is not even a representatives name. I have documentation that EVERY time I reach out to B of A I am speaking to someone new/different. THIS WILL NEVER BE RESOLVED. 
I can not afford to lose money at my age and I can not keep venturing out of the house during time of COVID. 

Please help me. If a representative from your office reaches out I prefer XX/XX/XXXX speaking. I am XX/XX/XXXX but am most comfortable in XXXX. - I requested help in filing this complain in English.
Consumer complaint received 2020-12-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

HI. A few days prior to XX/XX/2019 I called chase to pay up my balance in full from my XXXX statement that was due XX/XX/2019. On XX/XX/2019 I was overseas and was tight on available funds in my account and therefor made a payment for the minimum payment due. It was the first time in all my years ever doing that. I have always been careful to only charge that which I can pay in full. I also asked the rep to charge me in full for my balance for the upcoming XXXX statement, thereby bringing my account to balance to XXXX. My unpaid balance from XXXX was approximately XXXX less the minimum payment of {$35.00}. My current statement balance at the time of the call was {$2100.00}. I paid a total of {$5600.00}. On XX/XX/2019 that amount was debited from my XXXX XXXX XXXX  Account. On XX/XX/2019 I got an alert from XXXX XXXX that my checking account was on overdraft. Knowing that I had sufficient funds to pay for my current expected expenses, I checked on my account as to what was overdrawn. I saw a pending charge from Chase Bank for {$5600.00} ( .11 interest charge ). I called Chase to inquire as to what the charge was about. They informed me that on XX/XX/2019 during a call to Chase where I requested a card downgrade, I also gave permission to have an automatic payment set up for a future date of XX/XX/2019, for my balance at that time of {$5600.00}. I have no recollection of ever requesting or agreeing to an automatic payment. In the event that I had a senior moment and did agree, which is quite shocking because why would i then call in a week prior to make the payment by phone, there was still a XXXX balance on my account on XX/XX/2019 when they made the charge. I questioned the rep and the supervisor as to why they were charging a XXXX balance account a previous balance amount. I was told that because when I agreed to the auto payment I didn't make a verbal condition that if the balance goes to XXXX they shouldn't charge me, they said they have every right to charge me. They said they cant do anything to credit me the overdraft fee from my bank and can't stop the charge because it is pending. They were very cold and hung up the phone on me before settling with me. I contacted XXXX who said they will remove the fee and won't process the charge because there isn't available funds. I just received a charge from Chase on my next statement for {$27.00} for the return payment fee for a return payment on XX/XX/2019!!!! I would like to know if Chase acted Legally and Lawfully. 
We placed a complaint on XXXX  and Chase is wiping their hands clean stating that the didn't do any error because I scheduled a payment they had permission to make a withdrawal. They say they are not responsible to clear the balance when a payment is scheduled.
Consumer complaint received 2023-03-16
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ;
Consumer complaint received 2020-12-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2022-11-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (DC)

Case ID XXXX Disputed amount {$310.00} USD Transaction ID XXXX Transaction amount {$310.00} USD Transaction date XX/XX/2022 Seller name XXXX  XXXX XXXX The merchant, XXXX XXXX XXXX, agreed to comply with the dispute, acknowledging the grounds for the dispute ( the merchant had sent an item that was significantly not as described ). The merchant had not provided a return label as a part of the dispute process. PayPal wrongly continues to hold the consumer liable for an incorrect product delivered by the merchant, which goes against consumer financial protection laws.
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (OH)

Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT*** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and wellbeing by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT*** )
Consumer complaint received 2020-12-26
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: Experian Information Solutions Inc. (NY)

I recently reviewed my credit report and found following alleged accounts : 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 Us Dept of Education XXXX U S Dept of Ed/XXXX This is my second time sending a complaint about this matter. The accounts has already be reinvestigate. I am not aware of these accounts as indicated.
Consumer complaint received 2020-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2020, I sent a letter to your company disputing incorrect information on my credit report but they did not correct the erroneous information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report, which they failed to do so. Physical verification was not provided.