davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-05
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: Fidelity National Information Services, Inc. (FNIS) (TX)

Chexsystem 's refuses to accept my FTC Report from the Federal Trade Commission, which is proof of identity theft as a source of documentation to remove the inaccurately reported checking account information which XXXX also advised me they purposely are reporting it inaccurately. The Checking account lists that there were " Account Abuse ''. Per the credit union, they reported this information after closing the checking account even though the account was current at the time of closure. The accounts were never abused per the credit union, one dispute was filed for transactions that occurred online as a result of identity theft. These transactions were for a online streaming service called XXXX. Per the credit union, they closed this checking account due to this dispute. At that time they negatively withdrew the charges twice, and then charged a fee. They never notified me " The Consumer '' about any of these charges, nor disputes nor ever provided any information on any of this. It was months later when i had to actually walk into a branch and ask them if they knew anything about the ChexSystems report. They said they weren't sure as they show the checking account current and closed and are not sure what happened. They called their management which again told them they did not report any information to chexsystems. 

Upon speaking to XXXX further, they are advising me they are reporting this information as inaccurate even though i have reported identity theft. They are reporting this because they say since the credit card accounts were " Charged off '' that automatically shows account abuse and they will report it for every account they have in their institution. Even though it isn't true. XXXX continually unblocked and blocked my online access for many months this occurred. Not only do they report this information inaccurately they show addresses i have never lived at including XXXX XXXX XXXX XXXX TX XXXX. Furthermore i reviewed the Fair and Accurate Credit Transactions Act chexsystems previously mentioned in that report this is mentioned " Notify law enforcement ; or Determine that no response is warranted under the circumstance. '' Under these circumstances since XXXX verified that they reported the inaccurate information on purpose to me and the NCUA. This information should be blocked from my file immediately. I as a consumer have a right to determine if law enforcement is warranted. They openly admitted to reporting inaccurate information. Therefore under the FCRA, I am submitting to you a statement of identity theft from the Federal Trade Commission which is put in place to protect consumers against identity theft and to have this inaccurate information blocked immediately.
Consumer complaint received 2018-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I've been a Usaa client from since XXXX. I've never missed a payment or been delinquent on any of my credit cards I have 4 to be exact I've had credit cards since XXXX when I was XXXX. I've always been responsible. My credit card limit was {$3900.00}. I paid off the account in full it wasn't easy due to experiencing a total lost of our home in hurricane Maria last my sister died the same week & also divorced. It took everything in me to payoff but it was my highest credit card & I wanted to improve my credit score. I thought someone scammed me because I called my card to make another payment because I made a few transactions & on XX/XX/XXXX they decreased my account from {$3700.00} to {$2700.00}. Not only I'm I hurt I'm confused & I don't know why my credit card company would do this to they're Loyal Client. I was not notified nor was I contacted from them about the decrease which is unprofessional & I feel it is illegal because they call for everything else I trusted them for years.
Consumer complaint received 2019-05-03
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. (GA)

On XX/XX/XXXX, I was notified by email that a hard inquiry was made between XXXX XXXXXX/XX/2019 by XXXX XXXX XXXX XXXX GA. 

After reviewing my report it showed me that XXXX XXXX did the inquiry.I did not authorize any inquiry from XXXX XXXX. 

I did call XXXX XXXX on XX/XX/2019 and ask for information regarding the inquiry and why it was done. I was told they would call me back.
Consumer complaint received 2018-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I ( customer ) signed up for a checking account through Chase Bank to take advantage of one of their promotions. After having the account open for 8 months ( or longer ) I visited a local branch to see about getting some checks. Having difficulty verifying me as a current customer, the teller told me my account was closed. When I called Chase Bank customer service ( XXXX ) to discuss the issue, I was alerted my account was closed due to inactivity. I then spoke to personal banker at the branch who told me the same thing. I inquired if Chase Bank could furnish me with proof that I was alerted that the account was " IN DANGER '' of closing due to inactivity. Furthermore, I also asked if Chase Bank could furnish me with proof that I ( customer ) was alerted that the account was ACTUALLY " closed due to inactivity ''. No one at Chase Bank could furnish proof because I ( customer ) was NOT alerted in any way, shape, or form. I ( customer ) firmly believe this is an express violation of my rights as the account owner since I was NOT alerted of the account closure either before OR after. None of which took place! Please dont allow Chase Bank to hide behind verbiage like inactivity and hold them accountable for acting fraudulently and not in the best interest of the consumer.
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

XXXX XXXX XXXX RE : # XXXX On XX/XX/2021 my husband XXXX XXXX asked me if I was moving funds between accounts, I then logged on to USAA to find that someone was depositing unexpected checks into the checking account and then transferring our real funds out of our account. To date both checks that were deposited have been reversed. Both of the checks were sent from the payor : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX, WA. XXXX Upon reviewing the savings account, also with USAA we noticed there were transfers into the account and then fund transferred out in greater amounts. 

We have contacted USAA to report the fraud, they stated that my XXXX online password and email were changed and the transactions happened on the mobile application. They have not been forthcoming with any information such as what state this is occurring from, the account numbers that the money has been transferred to so I am unaware of who is doing this. Clearly they are doing it to expropriate funds. 

Will include bank statements as accounts are on hold.
Consumer complaint received 2019-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (TX)

In XX/XX/XXXX and in XX/XX/XXXX I contacted Sequium Asset Solutions for attempting to collect on a debt that was paid to XXXX XXXX prior to the reporting of this account on all three of my credit reports. I contacted XXXX XXXX to validate that this debt was paid in full and they stated there was no debt owed and they have attempted numerous times to recall the Debt from Sequium Asset Solutions with no response. I contacted them again and spoke to the manager of the customer service section who stated that he refused to acknowledge that the debt was no longer owed and refused to acknowledge, even with proof from XXXX XXXX, that there is no debt owed. I have sent in all correspondence to the debt they are trying to still collect on for XXXX that is not owed ad they have yet to remove this account from my XXXX credit report, falsely reporting a debt that is not owed. I have contacted them in XX/XX/XXXX as well and they still refuse to adhere to the FCRA and negatively reporting an account that is not owed and was paid.
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My capital one credit limit is XXXX. After requesting increases, I was able to make purchases up to XXXX before the card was being declined. Assuming the line was increased, I received notification from credit bureau stating my score dropped due to over credit limit ... I was told by capital one that their was a glitch allowing it to go that high, she then transferred me over to a senior supervisor named XXXX, who said there is absolutely nothing they can due regarding an issue they they made, and is affecting MY CREDIT in which im trying to build back up upon declaring bankruptcy last year.
Consumer complaint received 2018-08-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (OH)

Keep getting calls from the company XXXX XXXX XXXX ( XXXX ). Spoke to them at least twice, the last time being yesterday on XX/XX/2018. Told them that the person they are trying to collect a debt from is not at my location or number. They informed me that they would remove my home telephone number ( XXXX ) XXXX from their calling list. As of this date, they have failed to do so and are repeatedly calling my home at least 3-5 times per week. I would appreciate anything that you can do to stop these harassing phone calls.
Consumer complaint received 2018-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank decided to close my XXXX XXXX card and XXXX  card on XX/XX/XXXX of XXXX. I did not receive any warning or consultation for this closure. I have made regular payments to the cards and was never delinquent. I called their customer service number and would not tell me why the account was closed. I was told to wait for a letter. A few weeks later I received the letter. The letter had a phone number for any questions. I called it and got the same blanket statements that I received from customer service initially. They proceeded to tell me that I could write or fax a concern and the executive office would respond. That simply hasn't happened. 

In early XXXX of XXXX, I applied for the XXXX card that Chase offered. I was approved and receive my card. However, a week or two later I received a letter stating that the card account was closed by Chase. I called the number on the letter and was not offered answers or even explanations. I was advised again to write a letter or send a fax. These actions by Chase have caused me to suffer harm to my credit and put into question my good name.
Consumer complaint received 2021-12-06
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)

I pulled update of my credit report and still I see these negative  account. I already sent XXXX  complaints to you guys. Why you still posting this information. I have no idea where you get them but I never apply for it. Someone used my personal information
Consumer complaint received 2019-05-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (SC)

On XX/XX/2019, I attempted to move the payment date to XX/XX/2019. During the first conversation with the company I was told that the payment had to be made two ( 2 ) days prior to the payment date which is XX/XX/2019. I then reviewed the attached contract. Per the contract XX/XX/XXXX 's due date is XX/XX/2019 and the contract or website does not state this requirement. I then made a second telephone call to the company 's customer service requesting that the payment date be moved to XX/XX/XXXX and per the contract it did fall within the " two ( 2 ) day ''.  The customer service representative could not make the changes nor had any further explanation. I was then transferred to a manager and requested this payment date moved again.The manager then stated that the request could not be made due to a " two ( 2 ) business day prior to the original payment date ''. Again, there is NO written statement in the contract that states what has been stated by customer service.
Consumer complaint received 2019-05-03
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. (NC)

To whom it may concern looking at my credit report I noticed some errors in the reports by Experian, XXXX, and XXXX. 

1. Personal information on my report that is not minds ( Names and address ) .I live in XXXX XXXX Presently for the last 8 years. Havent live in XXXX XXXX XXXX  or XXXX XXXX XXXX. 

2.Student Loans from XXXX for XXXX dollars starting on XX/XX/16 and another one from XXXX for XXXX starting on XX/XX/16. 

3.Old information and accounts over seven years keep appearing up.
Consumer complaint received 2018-08-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Maury Cobb, Attorney at Law, LLC (GA)

I noticed Maury Cobb on my credit report for a collection i am disputing. I first called the law firm the week of XX/XX/2018. I was told my debt hasnt made it to an attorneys desk yet but will be if i didnt pay. the lady offered me XXXX to settle the alleged debt. 

i called today XX/XX/2018 to make the payment. I was told after i gave my credit card info that i will be charged a processing fee. i told the gentlemen i do not want to pay a processing fee. he goes on to tell me its going to affect my credit and will be going to one of the attorneys.
Consumer complaint received 2019-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To whom it may concern looking at my credit report I noticed some errors in the reports by XXXX, TransUnion, and XXXX. 

1. Personal information on my report that is not minds ( Names and address ) .I live in XXXX XXXX Presently for the last 8 years. Havent live in XXXX XXXX XXXX or XXXX XXXX XXXX. 

2.Student Loans from XXXX for XXXX dollars starting on XX/XX/16 and another one from XXXX for XXXX starting on XX/XX/16. 

3.Old information and accounts over seven years keep appearing up.
Consumer complaint received 2018-08-31
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc. (MN)

They keep calling me on a debt that is past its statute of limitations. I told them that they legally can not collect and he said that I was wrong. He threatened to call me everyday until the debt is paid. After he yelled at me for a minute, I hung up. This is not the first time that have tried to collect this debt from me. It has been 14 years and a lien was never filed. I know my rights.
Consumer complaint received 2022-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prosper Marketplace, Inc. (DE)

On XX/XX/XXXX I took out a loan for {$20000.00} with Prosper loan for a voluntary XXXX. I decided against the XXXX and went to pay back the loan. I was told that an extra {$2000.00} had been added above the one-month interest charges for the use of the loan. 
Loan # XXXX PAID OFF XX/XX/XXXX www.Prosper.com Amount Principal Interest Status Account Used XX/XX/XXXX {$22.00} {$22.00} {$0.00} Success - XX/XX/XXXX {$9000.00} w/ {$5.00} fee {$8900.00} {$17.00} Success - XX/XX/XXXX {$20.00} - {$20.00} Success XXXX XXXXXXXX XXXX XX/XX/XXXX {$40.00} {$12.00} {$28.00} Success XXXX XXXX... 7XXXX XX/XX/XXXX {$13000.00} {$12000.00} {$12.00} Success XXXX XXXX. XXXX This seems like an excessive charge, when I called them on XX/XX/XXXX I was told that my {$2000.00} was for service charges. 

I did not receive fair warning that such a charge would be leveled at me should I take that loan, and that I would have to pay up front. 

Please Help, XXXX XXXX XXXX
Consumer complaint received 2018-08-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (VA)

checking account was used in error for my XXXX truck payment of {$540.00}. I saw the overdraft fee {$36.00}. I held line over 20 minutes spoke to a female associate and her manager XXXX on XX/XX/18 st XXXX. Neither helped. I als spoke to a manager named XXXX at the XXXX, Va location today at XXXX wS no help. 
They can see this is a secondary account & this has never happened before. I also called the Corperate office and spoke to XXXX awaiting a follow up. If this is the way B.B. & t treats its long term customers, Ill clear my balance ; close my account. Ill never recommend family or friends to come here & report this to the news and social media.
Consumer complaint received 2019-05-03
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: AMERICAN EXPRESS COMPANY (GA)

XX/XX/2019 Bluebird Customer Care XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : Im writing this letter regarding My Fraud Report, which I filed on Monday XX/XX/2019 at XXXX XXXX. I received your email dated XX/XX/2019, declining my Dispute and I spoke with a representative via phone call and asked that my case be reopened. I do not believe that the investigation was fairly completed in less than 2 days, nor do I feel that the investigation was true or in the interest of the true situation. 

Enclosed please find documentation that sustains and corroborates the suspicious nature of the 4 transactions in question that have left me out of {$2500.00}. The activity on my Bluebird accounts show the attempts by whomever to send test amounts before emptying my account. I did not approve nor did I make those transactions. 

Those transactions have the date and time of when the person ( s ) used my bank account to fraudulently steal my money and the email addresses they used to send four ( 4 ) different amounts of money to four ( 4 ) different people that I didnt approved nor authorize and that were done at a time of early morning where I am still in bed, asleep. I sustain that I do not know any of the email addresses or person ( s ) who received this money. 

included proof that there was suspicious activity leading up to these transactions in the days prior, where my debit card was locked due to the PIN being changed. I had to contact Bluebird to unlock my card on Saturday, XX/XX/XXXX. I do not know if this incident was coincidence or if it was a precursor to these fraudulent transactions on my account. But I have to believe that I was being set up to being a victim. 

I hope that this situation can get clarified as soon as possible and my money get restituted. I deserve protection by your financial institution, appreciating my almost 5 years of business with you. 

Unfortunately, I will be obligated to pursue my legal options in this matter if the situation can not be resolved on your end in my favor, where my assets and my rights are being protected. I believe responsibility in this matter belongs to your financial institution to thoroughly investigate my transaction history for the entire time I have been a customer, where you will find that I have never sent money in these astronomical amounts to anyone and the account holders that belong to the email addresses where the transaction amounts were sent. They are not on my account as approved or added as Bluebird contacts that I frequently use. 

I look forward to resolving this matter between your institution and myself. But I am prepared to take legal action against Bluebird. 
Sincerely,
Consumer complaint received 2018-08-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (UT)

I recently applied to increase the limit of our exisiting HELOC at KeyBank. This was denied, but I was told the decision would be reconsidered if I transferred ( rolledover ) my IRA to XXXX XXXX XXXX Is it legal for them to do this?
Consumer complaint received 2018-08-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pono Ventures Inc. (NV)

XXXX XXXX ATT : XXXX XXXX /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , HI XXXX RE : Case # XXXX/Wage Garnishment To Whom it may concern, To date I have not received any documentation in regards to said debt that you are currently seeking wages for in the amount of {$4000.00}. My employer has allowed one deduction as I was completely unaware of garnishment. They will not be deducting any future pay checks as I formally submitted a dispute with possible fraud with corporate so you will not receive any further garnishment. I have also mailed a dispute to the Hawaii Small Claims courts. 
Ive searched Public records and was able to locate case that way, Im still unaware of what debt is for as there are no details. I would like to request the court order and proof of original debt. 
I am formally disputing debt and garnishment as I have not been served or on the island to even possibly show up to court to dispute anything in person for the last 2 + years. I was completely unaware of garnishment until XX/XX/2018. I request you provide proof of said debt and court order via email XXXX or to my mailing address of XXXX XXXX XXXX XXXX, HI XXXX. 

On XX/XX/XXXX a garnishment in the amounting of XXXX was taken from payroll was forced to resign due to unknown garnishment. 

Also " XXXX XXXX XXXX " is a dba for XXXX XXXX XXXX which is also a previous employer I feel it is a conflict of interest for agency to have even handled case due the fact they would have more privileged information then other collections agencies.