davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX. I am a good XXXX and just graduated from XXXX School and started my first year of university. I have a long way to go and I lack much financial knowledge very financially incompetent. I was trying to pay for my school by XXXX XXXX. A scammer took advantage of my situation and scammed me by giving me a fraudulent check. I know this happens more often, but I am a VICTIM. And now I feel that Ive been taken advantage by JPMorgan Chase ( Chase ) and XXXX XXXX XXXX XXXX ( XXXX ). When the bad check was deposited into my Chase account, it was on hold as should be, to validate that the other financial institution ( XXXX ) had funds. So when the check cleared BOTH FEDERALLY INSURED banks were responsible. However, Chase took money back a week later and left my account overdrawn and put the blame on me. Chase should've escalated and fixed it with XXXX - not blame me. Now they want me to be sole VICTIM in this situation. Is this how they treat our future Americans? 

Hiding appropriate disclosures, not being clear and leaving me to hang. I have no money now to pay for school or gas or food. 


Chase and XXXX should individually or together reimburse for my loss, as they are federally insured. Dont let the consumer be the victim again. A police complaint was filed on XX/XX/19 ... .. XXXX check - Post date XX/XX/2019 Check # XXXXCheck amount {$2700.00} Account # XXXXRouting # XXXX
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

15 u.s sc 1681 602A. States I have the right to privacy.

15 u.s. sc 1681 604A.states a consumer reporting agency can not furnish a consumer report with out written instructions from consumer. 

Accordance with the fair credit reporting act the following inquiries on my credit report violates my rights. Did not authorize inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX  ACCT # XXXX CHARGE OFF BALANCE This was a secured credit card. The account has been CHARGED off but a balance remains reported on my credit report. I have requested several times for an investigation into the continued reporting violation and haven't gotten any results. They continue to VERIFY as accurate. This has been done without any changes being made, not even an update to this balance.The credit bureaus continue to allow this although it is a clear violation to continue reporting inaccuracies. This account should be DELETED.
Consumer complaint received 2019-09-14
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)

I believe my credit report is mixed with my XXXX, who shares a very similar name to me. On our credit report, we have both of our credit history on there ( including auto loans, credit cards, etc. ) Our social security numbers are one digit apart so I can imagine why the mix up happened. We have tried to contact the three credit bureaus and sent in information to prove that we are two different people but still with no results. They are also very hard to reach in general and do not follow up with us ( even though they said they would ). Our mixed credit report is blocking me from being able to change my last name ( to my husband 's ), as well as preventing our ability to buy a home.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (FL)

i called the company on XX/XX/2019 to ask why they pulled my credit report they told me that i do not have an account with them i gave them my information and they could not tell me why. i never ask for credit from them or sign anything to have them pull my report. 

please have them delete this inquire they could not help me XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2019-11-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I spoke with my loan officer XXXX XXXX mls # XXXX after my appraisal came in. I requested that my appraisal be appealed and she sent me the forms to start that process. After I submitted the forms, weeks went by and I haven't heard anything from her. She sent my application up to underwriting without attaching the appeal letters, causing Navy Federal to deny my mortgage application. She informed me that I should apply again and hopefully get someone else to do my application. XXXX was very unprofessional about handling my business and she should be terminated from Navy Federal.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC ()

I am not aware of this debt and have not received any notification. Please furnish the Certified Mail Receipt bearing my signature if you have provided me with the appropriate notification. 

I am formally requesting verification of the alleged debt dated XX/XX/2024. To date, I have not received any correspondence or confirmation regarding my previous requests for verification and a cease-and-desist order. 

The SEQUIUM XXXX account, with a balance of {$1800.00}, contains several inaccuracies and incomplete pieces of information that need to be addressed, along with clarification on the steps taken to ensure the accuracy of the reported account. 
Specifically, these inaccuracies include the absence of recorded information in the two-year payment history from the XXXX bureaus. Furthermore, there are inconsistencies and incompleteness in the information provided by XXXX, XXXX, and XXXX regarding monthly payments, date opened, number of months, high credit, credit limit, past due amount, last reported date, comments, date last active, and date of the last payment. 

In light of these inaccuracies, I request a thorough investigation into these discrepancies and prompt resolution of this matter
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

On XXXX is the first of 2 times they held my paycheck from being posted to my account. They had the funds per my employers banknon the XXXX of XXXX and didnt post it to my account until the XXXX of XXXX. Second time was XXXX they had the funds and still have yet to post it to my account. 

I called in spoke to XXXX people XXXX of which said they could see they had my deposit pending under hold. When I asked why each time they transferred me to someone else I am now being charged late fees on bills that were due today and my phone is likely being shut off as well. 

XXXX of the XXXX people I spoke with were supervisors the last hung up on me when I questioned him on how it was XXXX people seen my deposit and magically he couldn't. After asking this he hung up on me. 

All total I am due XXXX for late fees im being charged and I want the XXXX I had to borrow because of their games. They refused to help despite informing them I would be filing a complaint. 

They also have been allowing disputed and supposed to be blocked charges to post to my account despite their saying they blocked the companies.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2023 in the early mornings someone that had stolen my phone transferred/XXXX  XXXX from my Bank of America accounts . Was done from XXXX different accounts. The same person also stole all my bitcoin money from my XXXXXXXX XXXX and ran up my credit cards that were inside my phone case. Bank of America refused to give the funds back. I filed a police report but have not had any luck with it being in the city of XXXX. Was told they have more important things to worry about. I would like to receive my Bank of America funds back that was not authorized by me using XXXX. I have the persons phone number that the funds were sent to. I believe I also know the persons name and address. After getting a new phone my XXXX had a different home address. Would also like this person to get in trouble. It took place at XXXXXXXX XXXX  and I have learned this is EXTREMELY common at this location since happening to me.
Consumer complaint received 2024-02-06
Product: Credit reporting 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: LEXISNEXIS (CA)

I requested my consumer report from Lexis Nexis in XXXX. I also requested a disclosure report from Lexis Nexis in XXXX, XXXX, and XXXX. Using the same information from my previous requests, I requested a new consumer report as well as a disclosure report. Lexis Nexis is claiming they can not find my consumer reports with the information I provided.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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.

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 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The company closed the credit card account. I called to find out why the account had been closed and I was told by the agent that it was because of returned payments. I reviewed the account and found no evidence of any returned payments. I explained to the agent that it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under Title 15 Chapter 41 of the US Code. Unfortunately, the agent held her position that the company would not be able to reopen the account. Knowing the regulations set forth in the Truth in Lending Act, and the Equal Credit Opportunity Act, I realized that I am being deprived of my rights. 

Due to the actions of the company, my faith is torn and I am devastated that the company would act in such a manner, given that I have been a valuable asset to the company. My family is being affected by the company actions. My wife and children are currently suffering due to the fact that we are not able to able to utilize the credits for food and other personal, family and household necessities.
Consumer complaint received 2022-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Neon Newco Corporation (ID)

I opened an Ace Flare on XX/XX/XXXX through the following link : XXXX XXXX XXXX This bonus offer required opening the account by XX/XX/XXXX ; setting up and receiving within 90 days of account opening, direct deposits totaling at least $ XXXX and maintaining these direct deposits for 3 consecutive months ; and completing 5 purchase transactions per month for 3 consecutive months. I should then receive {$100.00} within 10 business days of completing the activities. My account history is : XX/XX/XXXX : Opened XX/XX/XXXX : ( XXXX ) card transactions XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : {$250.00} direct deposit from my work XX/XX/XXXX : {$250.00} direct deposit from my work XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : {$250.00} direct deposit from my work XX/XX/XXXX : {$500.00} direct deposit from my work XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : ( XXXX ) card transaction XX/XX/XXXX : {$500.00} direct deposit from my work I should have received the {$100.00} bonus XXXX business days after XX/XX/XXXX, which would be XX/XX/XXXX. I did not receive the bonus and instead have had to keep my account open, which resulted in another {$5.00} fee for my account. In addition, Ace Flare did not refund the first monthly fee of {$9.00} despite me not being able to get a direct deposit in time.
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (PA)

{$760.00} was transferred to another Netspend user I don't know named XXXX XXXX XXXX XXXX.i admittedly notified NetSpend and they denied my claim because they say the IP that was used has been logging in to my account since XXXX. I searched and the IP is based in XXXX Washington. Im in XXXX pa XXXX miles away so it was not my IP. The only transaction the IP made was to steal {$760.00}. I did XXXX  transaction my own ip.
Consumer complaint received 2022-09-03
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX 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 a account without my written instructions
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was offered a credit card in store when I made a large purchase of over {$500.00}. I excepted the card and never received the actual credit card. 
About two months later I receive the statement with the total amount of the purchase and late fees - even though I still hadnt received the card nor a previous statement. 
I had tried to create an account online to pay it off quickly and I couldnt do that because I didnt have the card. 
I called to complain and they said they would send me another card. Meanwhile I decided to pay off the total amount and they said they would take off the late fee since I wasnt able to pay due to the problems with the carD delivery. 
I spent over an hour on the phone they told me they would takeoff the late fee and I paid the total balance and asked to close my account. They assured me I was paying off the total amount and yet I received another statement a few weeks later with another charge of interest and another late fee fora rotal od {$33.00}. 
I called to inquire and let them know that XXXX shouldve been taken care of and they told me at that point that unbeknownst to me, my balance had climbed to {$61.00} - versus XXXX! So now they not only didnt take off the 1st late fee that they promised but then they slapped on another {$27.00} and compounded interests! - yet my account is CLOSED. 
This is absolutely predatory- fraudulent ans needs to be stopped. I went from paying off jy total balance to owing {$60.00} without purchasing even a needle for a penny!!
Consumer complaint received 2024-04-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I recently did a forensic on my consumer report and noticed in unauthorized soft inquire on my consumer report on XX/XX/2024 from your debt collection company who is in violation of the FDCPA. I am unaware of any alleged obligation to pay any debt owed to Portfolio Recovery Associates ( DEBT COLLECTOR ). If in fact Portfolio Recovery Associates, DEBT COLLECTOR under FDCPA 15 U.S.C. 1692a ( 6 ) ], believe they have given me, the consumer under FDCPA 15 U.S.C. 1692a ( 3 ), PROPER NOTIFICATION shall send me the certified receipt with my name on it and my signature because there is no furnished information about Portfolio Recovery Associates on my consumer report other than a soft inquire. I don't know Portfolio Recovery Associates. I know I don't owe any alleged debt to Portfolio Recovery Associates. I know Portfolio Recovery Associates never offered to extend credit to me. I know Portfolio Recovery Associates never extended credit to me. I know I was never involved in any transaction with Portfolio Recovery Associates. I know I never enter into any contract with Portfolio Recovery Associates. I know I never did any business with this company. This is a sign of fraud and is damaging.
Consumer complaint received 2019-09-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (UT)

Working with Navient is a real problem and back in XX/XX/XXXX there were communication issues of how much were the payments and how to afford them. Many discussions were had and yet they still reported me late multiple times which is now affecting me from getting a house at the age of XXXX. I always make my payments on time when I know the amounts and since XX/XX/XXXX I have never missed. The part that confuses me is when my account info says the original principal balance is {$4700.00} yet the unpaid principal is {$6400.00}. My loan is suppose to be at 11.75 % interest yet the amount of interest applied after each payment keeps going up. I am paying XXXX monthly and my account says I should be paying {$78.00} until XX/XX/XXXX. If i keep paying this amount till XX/XX/XXXX i will have paid like XXXX. I have paid so much in interest it should already be paid. Navient csr said i agreed to a 20 year payoff but why would i do that when the original amount was near XXXX. I am a XXXX XXXX XXXX and my district said that Navient will take advantage of you so try to refinance it to get away from them. I think I am believing them. Those late payments should be wiped out after being current for so long. Please make them go away!
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by the credit bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by the credit bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: FinCo Services Inc DBA Current (WI)

On XX/XX/XXXX, there was money deducted from my bank account by Current, an online bank/crypto company. A fraudulent account was set up in my name and they had all my personal information. I took care of the issue with my personal bank, however when trying to work with Current to cancel the fake account they were no help. They would not allow me to do anything without an account #, which I did not have as I did not set up the account.
Consumer complaint received 2024-03-13
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.