davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/19 I contacted capital one about funds I deposited into this account that is now being held due to Capital one not being able to verify me. 

If CAPITAL ONE have all of these technologies to verify someone identities than they need to do so prior to allowing someone to get approved and allow them to submit money into the accounts just for them to hold people money is wrong. 

They stated they wanted me to contact the SSA to verify my ssn. They asked questions regarding me, they sent codes to my phone to verify me to still tell me Im not who I say I am and just hung up. 
I have XXXX thats is being held. I asked them to release my funds and close my account The continuous treatment this company display is horrible and due too that I no longer want to hold an account with this company I want them to release my funds immediately
Consumer complaint received 2022-08-18
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. (FL)

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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
Consumer complaint received 2019-02-09
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. (GA)

I recently pulled my credit report because i'm in the market to buy a home. I noticed some items on my report that were not approved by me. Please remove these items from my credit report. This isn't fair and totally embarrassing. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX. PH XXXX XXXX XXXX XXXX XXXX. I am doing this by myself and I also contacted the FTC and my local police.
Consumer complaint received 2019-02-08
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: JPMORGAN CHASE & CO. (CA)

I filed fraud activities on my credit card statement but Chase Bank never took care of this issue. I called Chase multi times to go over but never called me back. They sent me a letter stating it's all valid charges becuase I got benefit from those charges, I even sent out the letter to Chase back in XX/XX/2019 asking what kind of benefits I received except bunch of unauthorized charges? Chase never replied my letter. 
Last conversation I had with one of officer with Chase stated that some of the package using my credit card were sent to some name XXXX XXXX and they resolved as my charge since we have same last name as " XXXX ''. As you know more than 40 % of XXXX people have same last name as " XXXX '' just like " XXXX '' in US. I requested to re-open this case but my requested was ignored. I told an agent at Chase that I have similar case going on with some one name XXXX XXXX but never responded to me.
Consumer complaint received 2019-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

A week prior to XX/XX/XXXX I went into XXXX XXXX XXXX to ask if they can fix my son 's computer to play video games on it. I specifically said for games such as XXXX and XXXX. The clerk said yes and left it with him. On XX/XX/XXXX received a call stating it was ready and paid the {$420.00}. XX/XX/XXXX and XXXX same clerk who repaired it was on the phone with us walking us thru how to fix it since XXXX   nor XXXX  could not load on computer. We followed the clerk 's instructions on how to fix it via some instructions he found on XXXX and after 2 days it still did not work. XX/XX/XXXX, I went into XXXX   XXXX XXXX asking for a refund and they refused. I gave their merchandise back ( have pics to support this ) and stated I will dispute thru my bank ( us bank ). I called in to dispute the charge and US Bank filed it as fraudulent as I later found out. I specifically explained to US Bank that we are filing a dispute for not receiving the product/service. We were told by US Bank we would receive paperwork in the mail to further explain our dispute and any supporting evidence. We received the refund in about a week. We didn't receive any paperwork as described so we called in. US Bank kept transferring us from dept to dept and stated that they had to refile our dispute. Again we stated we are filing a dispute based on not receiving a product/service. Again, they filed it as fraud as we found out later. A month later we receive a notice stating that after their investigation they didn't discover any fraud as the transaction was done by pin and US Bank withdrew the {$420.00} from my account. I called in again and found out the 2 disputes filed were fraud when I never stated it was fraud. US Bank stated they would refile the claim again. US Bank explained the funds would go back into my account in about a week however the funds never appeared. Multiple calls were made week after week asking when the money would be returned to my account and no one could give an answer. Multiple times as I was on hold for over an hour and transferred from dept to dept as no one could give me a solid answer. Finally, got a hold of someone and they stated based on the type of transaction that was done ( by pin ) it was not fraud. Again i explained I never once said it was fraud I am disputing the fact that I didn't receive my product/service. US Bank stated because 60 days had gone by at this point there's nothing they could do for me as it was too late to file a dispute and to seek legal advice. This claim was handled incorrectly for 60 days and then US Bank covers themselves by stating it's too late to dispute it at this point. This is unfair and I deserve my {$420.00} back for not getting the product/service I paid for. I barely found out about cfpb or I would have filed this a long time ago.
Consumer complaint received 2019-02-09
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: EQUIFAX, INC. (OH)

I would like my security freeze / block to be REMOVED ASAP I am trying to buy a car and they can not pulled up credit report information. My name XXXX XXXX XXXX
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

reporting a 30 day late payment for XX/XX/XXXX on a CLOSED XXXX XXXX Mortgage account on my TransUnion and XXXX XXXX reports. 

I have a letter from XXXX XXXX dated XX/XX/XXXX that says clearly in ( XXXX and white ) that I was never late for XX/XX/XXXX. 

Why is this still showing on my reports? I know it's old but it still is inaccurate.
Consumer complaint received 2023-07-26
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (OH)

In my JPM Chase branch I reported fraudulent activity on my Slate card ending in XXXX. They contacted Chase Fraud and closed the card. I then opened a new card. I paid the final bill in XXXX, XXXX. Apparently, despite the fact that the account was closed, JPMC continued to accept charges through XXXX. The card was closed and I had no visibility to it. In XX/XX/XXXX I was notified by the credit bureaus that my JPMC account was delinquent and that my credit rating was lowered as a result. JPMC did not contact me in any way to notify me that a payment was delinquent. On XX/XX/XXXX I went back to the branch ( see handwritten notes on the detail PDF ). The Private Banker verified that the account had been closed in XXXX and called JPMC Credit Card Services. They said they don't handle this and said to contact JPMC Security who said they don't handle this and said to contact Customer Claims and Disputes. They said Credit Card Services needed to handle it. Credit Card Services said that Security needed to handle it. The banker and I were both totally frustrated. I paid the remaining balance {$100.00} ) prior to leaving the branch. I wrote to XXXX ( attached ) but the issue remains unresolved to my satisfaction.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NV)

Never missed a payment and CHASE BANK took away XXXX air miles worth about {$4000.00} to {$5000.00} dollars. To help from anybody, they just don't care. 

Sent letter with all information to Chase Bank, XXXX XXXX ; CEO - XXXX XXXX, Board of Directors XXXX XXXX XXXX, Board of Directors XXXX XXXX - Customer service Manager
Consumer complaint received 2019-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VT)

I am a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, VT and have been since XX/XX/XXXX. As a XXXX, I enrolled in the Public Loan Service Forgiveness Program and began making payments that qualified my student loans for forgiveness in early XX/XX/XXXX. My loans were transferred two times and have been serviced since XX/XX/XXXX by XXXX XXXX. In XX/XX/XXXX, I began to file the Employment Certification Form annually as I have worked in a qualifying school district since XX/XX/XXXX. 

The reason Im writing is because XXXX XXXX has had, per my request, my account under review since XX/XX/XXXX. It has been 18 months since then. Currently, I have 15 months of payments that are not counting toward the required 120 months of payments to loan forgiveness. I have documentation to prove XXXX XXXX received payment these months. I have called them regularly, and documented these phone calls, and every time I call they tell me they have no idea of when my account will be reviewed. I called them today requesting my full account history with all the details of the phone calls. I was advised that I was not allowed that information. 

Im writing to your office to inform you and your staff that there are serious problems with XXXX XXXX. The people answering the phones are always professional, but give out advice that is not accurate and state they will submit requests that I later discover with a future phone call were erroneously submitted or not submitted at all. As someone who has diligently followed this process and educated myself on the PSLF requirements, Im concerned XXXX XXXX is not able to accurately review my loans and submit documentation to the Department of Education once 120 qualifying payments have been made. 

While Im certainly concerned about myself, Im more concerned about my fellow teachers and public service professionals. I am aware not everyone has the same level of understanding of the PSLF requirements that I do nor the resolve to keep in regular contact with XXXX XXXX to double check everything they say they are going to do. Many people are basing their futures on having their loans forgiven, when that may not be the case due to errors caused by XXXX XXXX. I am particularly concerned that XXXX XXXX refused to release my account history to me and is consistently not able to provide clear and understandable information to help public servants meet the complex criteria of the program. 

I appreciate any support you and your office staff are able to give to myself and more importantly, public servants throughout the country.
Consumer complaint received 2023-07-25
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. (SC)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$2900.00} 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 SC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance XXXX {$2900.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC (PA)

GB Collects , LLC ( of XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ) continues to call me and send me letters concerning a debt I do not owe. They claim I owe XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) a sum of {$1.00}, XXXX premium for the month of XX/XX/XXXX. However, I terminated my policy on XX/XX/XXXX and I did not have any coverage with XXXX thereafter. I sent a copy of Form 1095-A (  Health Insurance Marketplace Statement ) to GB Collects , LLC in XX/XX/XXXX to prove to them that I did not owe XXXX any money. Even though GB Collects , LLC does not have any proof of my coverage with XXXX for the month of XX/XX/XXXX, they keep harassing me through phone calls and letters.
Consumer complaint received 2019-02-08
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: JPMORGAN CHASE & CO. (AZ)

On XX/XX/17 I filed a dispute with my credit card company ( Chase VISA ) for an online purchase made on XX/XX/17. Chase VISA kept closing the dispute even though it wasn't resolved, acting upon misinformation from the vendor. When I called to discuss and provide necessary documentation, they advised me to " reopen '' another dispute. I did so four ( 4 ) times. Since my written disputes weren't getting reviewed, I attempted a phone resolution many times with many CHASE associates ( most of which had foreign accents ). I became very frustrated with their service and visited my local CHASE branch to seek assistance. The branch manager " escalated '' the matter, only to then discover it was past the time it could be disputed - due to Chase VISA failing to research, discuss and act upon the original dispute dated XX/XX/17 as well as the many follow-up ( re-opened ) disputes. This was no fault of my own and CHASE must take responsibility for their failure to resolve this matter.
Consumer complaint received 2022-09-16
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: CITIBANK, N.A. (NJ)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This was already included in my prior complain, and I'm including it again. 
CITI XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2019-02-08
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (MN)

Navient is repeatedly calling my husbands mom, his step dad and now their land line. They are also repeadely calling my mom and dad and now my employer. I have told them in XX/XX/XXXX to stop calling my husbands mom and step dad as well as my mom and dad as they have my number. I also told them to not call my place of employment. I told them to stop calling me 4 times a day When i talk to them they threaten me that because my loan is in default they can get a lean on my house and wage garnishments. They repeatedly ask me for my finiacial information to post date a check of XXXX after i have told them i can not afford that right now due to my husband being part of the federal government shutdown and funds are tight. So now the lady today XX/XX/2019 threatens she will continue the collection efforts and she can legally call me 8 times a day. I told her i work night shift and to stop calling me during the day as i am sleeping!
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The following dispute form applies to all three ( 3 ) credit bureaus. In addition to the recently submitted credit report from XXXX  after the discharge in XX/XX/XXXX, the following disputes will be updated for the year of XX/XX/XXXX : 1. XXXX XXXX XXXX XXXX account was reaffirmed in the Chapter XXXX   Bankruptcy and a Homestead Deed of Exemption was filed. In regards to the Chapter XXXX Bankruptcy filed in XX/XX/XXXX, there were pre-petition payment ( s ) dating back to XX/XX/XXXX, post-petition payments that are still be accounted for and payments made through the bankruptcy court. The only directive was to stop wage deductions and that directive was in mid-late XX/XX/XXXX, approximately 1 1/2 years after filing. This matter is to be reported indefinitely. 

2. Spouses Name and/or Co-Borrower on the XXXX XXXX XXXX XXXX   was discharged in the Chapter XXXX Bankruptcy in JXX/XX/XXXX and credit reporting should have ceased on that co-borrowers credit report in XX/XX/XXXX. 

3. Per the XXXX  dispute form and all other sources of reference, " Positive information may remain indefinitely '' and the request is for all credit history ( positive ) to remain indefinitely. This credit report goes through XX/XX/XXXX and there is a sufficient amount of positive credit history and after this report, there are approximately 3 or more positive reporting credit history account in addition to what is on this XX/XX/XXXX credit history report. Some were reestablished credit history, etc. The request by the consumer of this credit history is that all three ( 3 ) credit bureaus are to report credit history indefinitely.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

The credit card was opened in my name on XX/XX/2022. I have not approved, was not aware of this. I do know anything about this credit card and am a victim of identity theft and fraud.
Consumer complaint received 2022-08-18
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-18
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)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the rights to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.